Buffer Builder

Terms & Conditions

1. Acceptance of Terms

Use of the Buffer Builder mobile application (“the App”) is provided by CAP Initiatives Limited (“CAP Initiatives”, “we”, “our”, “us”), a non-profit organisation NZ Charites register No. CC61781.

By downloading, accessing, or using the App, you agree to be bound by these Terms and Conditions.

We may update these Terms from time to time. Continued use of the App after updates are published constitutes acceptance of those changes.

2. About Buffer Builder

Buffer Builder is a standalone digital tool designed to help users:

  • Build emergency savings (“buffers”)
  • Develop healthy financial habits
  • Track progress toward savings goals
  • Receive encouragement and guidance

3. Not Financial Advice

Buffer Builder:

  • Provides general guidance and behavioural support only
  • Does not provide financial, legal, or investment advice
  • Does not guarantee outcomes or financial improvement

Users are solely responsible for their financial decisions.

4. Relationship to CAP Services

While CAP Initiatives is associated with Christians Against Poverty New Zealand:

  • The App is not a substitute for CAP debt help or financial mentoring services
  • Use of the App does not create a client relationship with CAP NZ
  • Any engagement with CAP NZ services is subject to separate terms and processes

5. Acceptable Use

You agree to:

  • Use the App only for lawful purposes
  • Not interfere with or disrupt App functionality
  • Not access systems or data without authorisation
  • Not use the App in a way that harms CAP Initiatives or other users

You must not:

  • Copy, modify, or reverse engineer the App
  • Use the App for unauthorised commercial purposes

6. User Accounts

If the App requires an account:

  • You are responsible for maintaining login security
  • You must provide accurate information
  • You are responsible for activity under your account

We may suspend or terminate access where misuse is identified.

7. App Availability

The App is provided on an “as is” and “as available” basis.

We do not guarantee:

  • Continuous access
  • Error-free functionality
  • That all features will always be available

From time to time, we may:

  • Update or modify features
  • Perform maintenance
  • Temporarily suspend access

8. Data and Privacy

Your use of Buffer Builder is governed by our Privacy Statement.

By using the App, you acknowledge that:

  • Information you enter (e.g., savings goals, financial behaviours) will be used to deliver App functionality
  • Data may be used to personalise your experience and improve the App
  • Data is handled in accordance with applicable New Zealand privacy laws

9. User Data Inputs

Information you enter into the App:

  • Remains your responsibility for accuracy
  • Is used to generate insights, tracking, and guidance
  • Does not constitute verified financial records

CAP Initiatives does not validate or guarantee user-entered data.

10. Intellectual Property

All App content and functionality remain the property of CAP Initiatives or its licensors, including:

  • Branding and logos
  • Content and guidance material
  • Software and underlying systems

You may use the App for personal, non-commercial purposes only.

You must not reproduce or distribute content without permission.

11. Third-Party Services

The App may include links or integrations with third-party services.

CAP Initiatives:

  • Has no control over third-party platforms
  • Is not responsible for their content or availability
  • Does not endorse third-party services

12. Device and Security Responsibility

You are responsible for:

  • Securing your mobile device
  • Protecting your account access
  • Notifying us if your device is lost or compromised

CAP Initiatives is not responsible for unauthorised access due to failure to secure your device.

13. Limitation of Liability

To the fullest extent permitted by New Zealand law:

CAP Initiatives will not be liable for:

  • Any loss arising from use of the App
  • Any financial outcomes or decisions made using the App
  • Loss of data or savings
  • Indirect or consequential damages

14. Termination

We may suspend or terminate access if:

  • These Terms are breached
  • The App is misused
  • Continued access poses risk to users or CAP Initiatives

Users may stop using the App at any time.

15. Governing Law

These Terms are governed by the laws of New Zealand.

Any disputes are subject to the jurisdiction of New Zealand courts.

16. About CAP Initiatives

CAP Initiatives Limited develops and operates standalone products aligned with the mission of Christians Against Poverty New Zealand, a registered charitable trust (CC22349).