Terms & Conditions

1About these Terms & who we are

The Katana mobile application, together with any related software, content, updates and websites (including trykatana.app), is the “App” or the “Service”.

The App is published, owned and operated by Shogun Ventures Limited, a company incorporated in New Zealand (“Shogun Ventures”, “we”, “us” or “our”). In these Terms, “you” and “your” mean the person who accepts these Terms and uses the App.

• New Zealand Business Number (NZBN): 9429051904760
• Registered office: Suite 1243, Unit A, Level G, 26 Hobson Street, Auckland 1010, New Zealand
• Contact: [email protected]

These Terms apply to the maximum extent permitted by law and should be read together with our Privacy Policy, which is incorporated into and forms part of these Terms.

2Acceptance & changes to the Terms

By downloading, installing, accessing or using the App, or by tapping to accept these Terms in the App, you confirm that you have read, understood and agree to be bound by these Terms and the Privacy Policy. If you do not agree, you must not use the App.

These Terms are versioned. The current version and effective date appear at the top of this page. We may update these Terms from time to time — for example, to reflect new features, or changes in law or our practices. When we make a material change, we will publish the updated Terms here with a new version number and may require you to accept the updated Terms in the App before you continue to use it.

Your continued use of the App after an updated version takes effect constitutes your acceptance of it. If you do not accept an updated version, you must stop using the App. It is your responsibility to keep the email address and account details associated with your account current so we can reach you.

3Eligibility

You may use the App only if you can form a legally binding contract with us. You must be at least 16 years old (or the age of majority in your jurisdiction, if higher) to create an account and use the App. The App is not directed at, and must not be used by, children under that age.

By using the App you represent and warrant that you meet these requirements, that the information you provide to us is accurate, and that your use of the App complies with all laws that apply to you, including in the country where you live and access the App.

If you use the App on behalf of an organisation, you represent that you are authorised to bind that organisation to these Terms, and “you” includes that organisation.

4The service Katana provides

Katana is a personal budgeting and money-organisation tool inspired by the Japanese practice of Kakeibo. It helps you manually record your income, fixed costs, spending and savings goals, and it presents calculations, summaries, categories, charts and reminders based on the information you enter or arrange.

You acknowledge and agree that:

• All figures, categories, goals and other inputs are provided, selected or arranged by you (or by members of your household). We do not verify, source, reconcile or audit any of them.
• Any output the App produces — including budgets, “safe to spend” figures, projected savings, goal progress, trends and reports — is an automated calculation or presentation of your own inputs and general information, and is not a recommendation, forecast, assurance or advice.
• The App does not connect to your bank, does not access your accounts, and does not import, hold, move, receive or pay out any money.
• You are responsible for the device(s), operating system, software and internet connection needed to use the App, and for any associated data or carrier charges.
• Features, content and availability may change, and some features are offered only on a paid basis (see section 9).

5Not financial advice

The App does not provide financial, investment, tax, accounting, legal or other professional advice, and nothing in the App should be relied on as such. Katana is an informational and organisational tool only.

We are not your financial adviser, accountant, broker or fiduciary, and no such relationship is created by your use of the App. The App does not take into account your particular objectives, financial situation or needs. Before making any financial decision, you should consider whether it is appropriate for you and, where appropriate, obtain independent advice from a suitably qualified and, where required, licensed professional.

You are solely responsible for your financial decisions and their outcomes. To the maximum extent permitted by law, we are not liable for any decision you make, or refrain from making, in reliance on the App or any output of it.

6Not a financial service or product

Katana is a software tool for personal record-keeping and budgeting. It is not a bank, financial institution, money service business, payment service, e-money or stored-value service, credit provider, investment platform, or provider of any regulated financial service or financial product.

In particular, the App does not:

• hold, receive, remit, exchange or store money or client funds;
• provide, arrange or facilitate any deposit, loan, credit, insurance, investment or other financial product;
• offer a financial adviser service, an investment planning service, a broking service, or a keeping, investing, administering or managing service in respect of money or property; or
• make offers of financial products or deal in financial products.

Nothing in the App is intended to constitute, and it should not be construed as, a regulated financial service under the Financial Markets Conduct Act 2013, the Financial Service Providers (Registration and Dispute Resolution) Act 2008, the Financial Advisers regime, or any equivalent law in New Zealand or elsewhere. Any calculation, category or general educational information provided in the App is generic in nature and is not tailored financial advice.

7Your account & security

To use most features you must create an account, which you can do using an email verification code or a supported third-party sign-in (such as Google). Where you sign in with more than one method using the same verified email address, we may link those methods to a single account.

You are responsible for:

• maintaining the confidentiality and security of your account, device, email inbox and any sign-in credentials;
• all activity that occurs under your account, whether or not authorised by you; and
• notifying us promptly at [email protected] if you suspect any unauthorised access or security breach.

You must provide accurate account information and keep it up to date. You must not share, sell, transfer or allow others to use your account, except through the household feature described in section 8. We may refuse, suspend or reclaim any account, username or household at our discretion where we reasonably consider it necessary to protect the App, other users or us.

8Shared households

The App lets you create or join a shared “household” book so that more than one person can view and contribute to the same budget. If you use this feature, you acknowledge that:

• information you add to a household (including entries, goals and figures) will be visible to, and may be edited or deleted by, other members of that household;
• the household owner controls membership, may invite or remove members, and manages household-level settings and any applicable subscription;
• you are responsible for who you invite and for the consequences of sharing information within a household; and
• we are not responsible for the acts or omissions of other household members, or for any dispute between members.

Only invite people you trust. If you leave or are removed from a household, you may lose access to that household’s data.

9Subscriptions, purchases & billing

Katana offers a free tier and optional paid “Premium” features. Paid plans may be offered as auto-renewing subscriptions (for example monthly or yearly) and/or as a one-time “lifetime” purchase.

All purchases are made through, and billed by, the app store you downloaded the App from (the Apple App Store or Google Play), subject to that store’s own terms. We do not process, collect or store your payment card details.

• Pricing. Prices are shown in the App and are set and charged in your local currency by the relevant app store based on your store account’s country. Taxes may apply. Prices may change; changes do not affect a billing period already paid for.
• Auto-renewal. Subscriptions renew automatically for successive periods at the then-current price unless you cancel at least 24 hours before the end of the current period, in the manner required by the relevant app store. You can manage or cancel a subscription in your app store account settings.
• Free trials & introductory offers. If a free trial or introductory price is offered, it applies for the stated period only and, unless you cancel before it ends, your plan will automatically convert to (or continue at) the standard price and billing period. Only one trial or introductory offer may be available per person or household, and we may vary or withdraw such offers at any time.
• Refunds. Payments are handled by the app stores, and refunds (if any) are governed by the app store’s policies and by any rights you have that cannot be excluded by law. Except where required by law, subscription fees are non-refundable and cancelling only stops future renewals.
• Platform-specific purchases & ownership. Purchases are processed by, and tied to, the app store and store account through which they are made, and can only be managed, renewed, cancelled, restored or (where applicable) refunded through that same store. You cannot restore or manage an Apple purchase through Google Play, or a Google Play purchase through Apple. Premium applies at the household level, so members of a household may receive Premium features while the household has an active purchase; however, a purchase is owned only by the person who made it, and only that person can manage or cancel it. Other household members do not own the purchase and their access depends on the purchaser maintaining it. If you want a purchase that you own and control on a particular platform, you must buy it through that platform’s store: a purchase made on one platform does not transfer to another, and if you switch platforms or stores you may need to make a new purchase. You should not assume that buying on one platform gives you an owned subscription on another. We are not responsible for any duplicate purchases or charges resulting from buying on more than one platform.
• Changes to plans. We may add, change, withdraw or re-price features and plans. Where a paid feature is discontinued, your remaining paid access will continue for the period already paid for, unless we are required to act sooner.

If your Premium entitlement ends (for example, because a subscription expires or is refunded), paid features may become unavailable, although your entries and history remain accessible in the free tier subject to any applicable limits.

10Your content & data

You retain ownership of the information you enter into the App (your “Content”). You grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, process, transmit and display your Content solely to operate, provide, secure, maintain and improve the App and to provide the features you use (including household sharing and cross-device sync).

You are solely responsible for your Content and for keeping your own copies. The App may let you export your data; we recommend you do so regularly. While we take reasonable steps to protect data (see the Privacy Policy), to the maximum extent permitted by law we are not liable for any loss, corruption or unavailability of Content.

Data export limits

Data export is a Premium feature and is subject to reasonable limits to keep the service stable for everyone. Each export currently covers up to 50,000 records (for JSON and CSV) or up to 5,000 records for a PDF report, and each household may make a limited number of export requests per day (currently up to 3). If your history is larger than a single export allows, you can export it in parts by selecting a specific period. We may change these limits, or apply other reasonable technical restrictions, to protect the App and our systems.

You represent that you have the right to provide your Content and that it does not infringe the rights of any third party or breach any law. We may remove Content or limit the App where we reasonably believe it breaches these Terms or any law.

Feedback

If you send us ideas, suggestions or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use them for any purpose without any obligation or compensation to you.

Aggregated & de-identified data

We may create and use aggregated, anonymised or de-identified information derived from use of the App (which does not identify you) for any lawful purpose, including improving and promoting the App.

11Acceptable use

You must use the App lawfully and only as intended. You must not, and must not attempt to, or allow anyone else to:

• copy, modify, translate, adapt or create derivative works of the App, except as expressly permitted;
• reverse engineer, decompile or disassemble the App, or attempt to derive its source code, except to the extent this restriction is prohibited by law;
• rent, lease, lend, sell, sublicense, distribute or commercially exploit the App or provide it as a service to third parties;
• access or use the App to build or train a competing product or service, or scrape, harvest or extract data from it;
• interfere with, disrupt, overload or circumvent any security, rate-limiting, authentication or usage limits of the App or its infrastructure;
• use the App to store or transmit anything unlawful, harmful, infringing, deceptive or malicious, or to violate the rights of others;
• use, or permit the use of, the App in breach of any applicable export control, trade sanctions or anti-money-laundering laws, or from any country or by any person subject to such restrictions; or
• remove or obscure any proprietary notices, or misrepresent your affiliation with us.

We may investigate and take any action we consider appropriate for a breach of this section, including suspending or terminating your access.

12Intellectual property

The App, and all intellectual property rights in it — including the software, design, user interface, text, graphics, logos, the “Katana” name and marks, and all related content (other than your Content) — are owned by or licensed to Shogun Ventures and are protected by law. All rights not expressly granted are reserved.

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to download and use one copy of the App on devices you own or control, for your own personal, non-commercial use. This licence ends automatically if you breach these Terms or stop using the App.

You must not use our name, logos or trademarks without our prior written consent.

13Third-party services & stores

The App relies on, and interoperates with, third-party services — including the Apple App Store and Google Play, sign-in providers (such as Google), payment and subscription infrastructure, analytics, and cloud hosting providers. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for them.

Apple & Google. If you obtained the App from the Apple App Store or Google Play, these Terms are between you and Shogun Ventures only, not with Apple or Google. Apple and Google are not responsible for the App or its support, and are not party to these Terms. Where required by Apple, you agree that Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them, and you confirm you are not located in a country subject to a relevant embargo or on a prohibited-parties list. Any App-store maintenance, support, warranty, product-claim, or refund obligations are as set out by the relevant store; as between you and us, we provide the App on the terms set out here.

14Availability, changes & beta features

We may change, update, suspend, limit or discontinue the App or any feature at any time, with or without notice. We do not guarantee that the App will be available, uninterrupted, timely, secure or error-free, or that defects will be corrected.

From time to time we may offer beta, preview or experimental features. These are provided “as is”, may be changed or withdrawn at any time, and may be less reliable than other features. To the maximum extent permitted by law, we exclude all liability in connection with beta features.

15Disclaimers & “as is”

To the maximum extent permitted by law, the App and all content and output are provided “as is” and “as available”, with all faults and without warranties of any kind, whether express, implied or statutory.

Without limiting the above, we do not warrant or guarantee that: the App will meet your requirements or achieve any particular result (including any saving or financial outcome); the calculations, projections, categories or information in the App are accurate, complete, current or suitable for your circumstances; or the App will be secure, available, uninterrupted or free of errors, bugs, viruses or data loss.

We disclaim, to the fullest extent permitted by law, all implied warranties and guarantees, including merchantability, fitness for a particular purpose, title and non-infringement. Any reliance you place on the App is at your own risk.

16Consumer law (New Zealand)

Nothing in these Terms limits or excludes any rights or remedies you may have that cannot lawfully be limited or excluded, including (where they apply) under the Consumer Guarantees Act 1993 (the “CGA”) and the Fair Trading Act 1986 in New Zealand. Where such rights apply and cannot be excluded, our liability is limited to the extent permitted by that law.

Business use. If you acquire or use the App for the purposes of a business, you agree that the CGA and sections 9, 12A, 13 and 14(1) of the Fair Trading Act 1986 do not apply, and that it is fair and reasonable that they are excluded. Where the CGA applies to a supply that is not of a consumer nature, our liability for a failure to comply with a guarantee is (to the extent permitted) limited as set out in section 17.

If you are a consumer in a jurisdiction with mandatory consumer protection laws, those laws apply to the extent they cannot be excluded, and the remaining provisions of these Terms continue to apply so far as they lawfully can.

17Limitation of liability

The following applies to the maximum extent permitted by law and subject to section 16.

No liability for certain losses. We (together with our directors, employees, contractors, agents, suppliers and licensors) will not be liable to you for any:

• indirect, incidental, special, consequential, punitive or exemplary loss;
• loss of profit, revenue, savings, business, opportunity, goodwill or anticipated benefit;
• loss, corruption or unavailability of data or Content; or
• loss or damage arising from any financial or other decision made, or not made, in connection with the App, or from your reliance on any calculation, projection or information in the App,

whether the claim arises in contract, tort (including negligence), equity, under statute or otherwise, and whether or not the loss was foreseeable or we were advised of its possibility.

Cap on liability. Our total aggregate liability to you for all claims arising out of or in connection with the App or these Terms is limited, in aggregate, to the greater of (a) the total amount you paid us (or paid through the app stores for the App) in the twelve (12) months immediately before the event giving rise to the liability; or (b) NZ$50.

Because the App is provided at no charge or for a low fee, you acknowledge that these limitations are reasonable and reflect a fair allocation of risk, and that we would not provide the App without them.

18Your indemnity

To the maximum extent permitted by law, you agree to indemnify and hold harmless Shogun Ventures and its directors, employees, contractors, agents, suppliers and licensors from and against all claims, liabilities, losses, damages, costs and expenses (including reasonable legal costs on a solicitor-and-own-client basis) arising out of or in connection with: your use or misuse of the App; your Content; your breach of these Terms or any law; or your infringement of any rights of a third party.

We may, at our option and expense, assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with us. You must not settle or compromise any such matter in a way that affects us without our prior written consent. This indemnity is in addition to, and does not limit, any other rights or remedies available to us.

19Suspension & termination

You may stop using the App at any time and may delete your account through the App. Deleting your account removes your data as described in the Privacy Policy.

We may suspend, restrict or terminate your access to the App (in whole or in part) at any time, with or without notice, where we reasonably consider it necessary — including if you breach these Terms, if required by law or an app store, to protect the App or other users, or if we discontinue the App.

On termination, your licence to use the App ends and you must stop using it. Sections that by their nature should survive termination — including sections 5, 6, 10, 12, 15, 16, 17, 18, 20, 21 and 22 — will survive.

20Privacy

Our handling of personal information is described in our Privacy Policy, which forms part of these Terms. By using the App you acknowledge that we collect, use and disclose personal information as set out in that policy. We handle personal information in accordance with the Privacy Act 2020 (New Zealand) and other applicable laws.

21Governing law & disputes

These Terms and any dispute or matter arising out of or in connection with them or the App are governed by the laws of New Zealand, without regard to conflict-of-laws rules.

You and Shogun Ventures submit to the exclusive jurisdiction of the courts of New Zealand in respect of any such dispute, and you waive any objection to those courts on the grounds of venue or inconvenient forum. Nothing prevents us from seeking urgent or injunctive relief in any court of competent jurisdiction.

Resolve issues first. Before starting any formal proceeding, you agree to contact us at [email protected] and attempt in good faith to resolve the matter. Any claim must be brought within one (1) year after it arises, to the extent permitted by law; otherwise it is permanently barred.

22General

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the App and supersede any prior agreement or understanding.
• Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions continue in force.
• No waiver. Our failure to enforce any provision is not a waiver of it.
• Assignment. You may not assign or transfer these Terms without our written consent. We may assign or transfer these Terms (for example, as part of a sale or restructure of our business) without your consent.
• No agency. Nothing in these Terms creates any partnership, employment, agency or fiduciary relationship between you and us.
• Force majeure. We are not liable for any failure or delay in performing our obligations caused by events beyond our reasonable control, including acts of God, natural disasters, outages, failures of telecommunications, internet or third-party services, cyber-attacks, epidemics, strikes, war or government action.
• Rights of third parties. Our directors, employees, contractors, agents, suppliers and licensors (and, where stated, Apple and Google) may rely on and enforce any provision of these Terms that is expressed to benefit or protect them, and those provisions are intended to be enforceable by them under subpart 1 of Part 2 of the Contract and Commercial Law Act 2017. Otherwise, a person who is not a party to these Terms has no right to enforce or take any benefit under them, and these Terms may be varied or cancelled without the consent of any such person.
• Electronic communications. You consent to receiving communications and notices from us electronically (including in the App, by email, or by posting on our website), and you agree that electronic communications satisfy any legal requirement that a communication be in writing.
• Notices. We may give you notices through the App, by email, or by posting on trykatana.app. You may contact us as set out below.
• Language. These Terms are drafted in English, which prevails over any translation.

23How to contact us

Shogun Ventures Limited
Registered office: Suite 1243, Unit A, Level G, 26 Hobson Street, Auckland 1010, New Zealand
NZBN: 9429051904760
Email: [email protected]

By using Katana you acknowledge that you have read and understood these Terms & Conditions and agree to be bound by them.