Terms of Service

1. Who these terms are with

Bloomly is provided by Jagganaut Ltd. (9429052945786), of 113 Jean Archie Drive, Rolleston (we, us, our). By creating an account or using Bloomly, you agree to these terms. If you are agreeing on behalf of a company or other entity, you confirm you have authority to bind it.

2. What Bloomly is — and what it isn’t

Bloomly helps New Zealand businesses keep records and prepare tax figures: invoices, expenses, receipts, bank reconciliation, asset depreciation, GST returns and income tax estimates.

To be completely clear about the limits:

• We are not a tax agent. We are not listed as a tax agent under the Tax Administration Act 1994, we have no access to your myIR account, and we cannot act for you with Inland Revenue.
• We do not file anything for you. Bloomly prepares figures for you to enter into myIR yourself. Marking a return as “filed” in Bloomly is a record-keeping note for your own reference — it does not send anything to Inland Revenue.
• We do not give tax, accounting, legal or financial advice. Nothing in Bloomly is advice about your situation. Using Bloomly does not create an accountant–client or agent–client relationship.
• Our figures are calculations, not determinations. They are only as good as the information you enter and the rates in effect. Tax rates, thresholds and rules change.

For anything unusual or significant, talk to a chartered accountant or a registered tax agent, and check the current rules at ird.govt.nz.

3. Your account

• You must be at least 18 and able to enter a binding contract.
• Bloomly is built for New Zealand tax rules. It is not suitable for businesses taxed in other countries.
• Keep your login details secure. You are responsible for activity under your account. Tell us promptly at support@bloomlymoney.com if you think it has been compromised.

4. Your responsibilities

Because we don’t see your source documents, you agree to:

• enter complete and accurate information;
• review every figure before you file or pay it. You are responsible for what you submit to Inland Revenue, including any shortfall, penalties, interest or use-of-money interest;
• keep your own business records for at least seven years, as Inland Revenue requires — Bloomly is a convenience, not your statutory record of account;
• keep your own backups of anything you can’t afford to lose. You can export everything at any time from Settings.

5. Fees

• Paid plans are billed in advance at the price and interval shown when you subscribe. Prices are in New Zealand dollars and include GST unless stated otherwise.
• Subscriptions renew automatically until cancelled. You can cancel any time and keep access until the end of the period you’ve paid for.
• We don’t give refunds for partly-used periods except where the law requires it.
• We may change pricing with at least 30 days’ notice before it applies to your next renewal.

6. Your data

• Your business records remain yours. We claim no ownership of them.
• You grant us only the licence needed to host, process, back up and display your data so we can run the service for you.
• You can export your data at any time, and request deletion. See our Privacy Policy.

7. Information about other people

If you enter details about your customers or contacts, you confirm you are entitled to do so and that you will handle their information in line with the Privacy Act 2020. As between you and us, that information is yours and you are the agency responsible for it — we process it only to provide the service to you.

8. Availability

We work to keep Bloomly running, but we don’t promise it will be uninterrupted or error-free. We may change, suspend or discontinue features. If we discontinue the service altogether, we’ll give reasonable notice and a way to export your data first.

9. Acceptable use

You agree not to:

• break the law, or use Bloomly to evade tax or mislead anyone;
• try to access other users’ data, or probe, scan or disrupt the service;
• resell or white-label Bloomly without our written agreement, or copy it to build a competing product.

10. Our intellectual property

Bloomly’s software, branding and design remain ours. These terms give you a limited, non-exclusive, non-transferable right to use the service while your account is active.

11. Consumer Guarantees Act and Fair Trading Act

If you are a consumer under the Consumer Guarantees Act 1993, that Act gives you guarantees that these terms do not limit or exclude.

Bloomly is supplied for business purposes. Where you acquire it in trade, you and we agree that the Consumer Guarantees Act 1993 and sections 9, 12A, 13 and 14(1) of the Fair Trading Act 1986 do not apply, under section 43(2) of that Act and section 5D of the Fair Trading Act 1986. You and we agree it is fair and reasonable to be bound by this.

12. Liability

Nothing here limits liability that cannot be limited by law — including for fraud, or for death or personal injury caused by negligence.

Subject to that:

• we are not liable for indirect or consequential loss, or for lost profits, revenue, goodwill or data;
• we are not liable for tax shortfalls, penalties, interest or use-of-money interest arising from figures you filed — reviewing them is your responsibility under clause 4;
• our total liability in any 12-month period is limited to the fees you paid us in the 12 months before the claim arose, or NZ$100 if you are on a free plan.

13. Suspension and termination

You can close your account at any time in Settings. We may suspend or close an account that breaches these terms, or where fees are unpaid, giving reasonable notice where we can. After closure we keep or delete data as set out in the Privacy Policy — export anything you need first.

14. Changes to these terms

We may update these terms. For material changes we’ll give reasonable notice by email or in the app before they take effect. Continuing to use Bloomly after that means you accept the updated terms.

15. Governing law

These terms are governed by New Zealand law, and the New Zealand courts have non-exclusive jurisdiction.

16. Contact

Questions about these terms: support@bloomlymoney.com.