Terms of Use

Last updated: 01 November 2025

Introduction

Welcome to Crayon!

Before you start using the services, information, products, features and assistance and other content available or provided by us on our website (including any sub-domain) or by way of other modes of communication (“Services”), please read these terms of use (Terms) which apply to and form part of your agreement with Crayon. That agreement comes into effect when you commence use of our Services.

This website is owned and operated by Crayon Limited (company number 8130252) (Crayon, us, we or our).

This website, including the Services, is provided by Crayon to you, the user, on the basis of these Terms.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect the interpretation or application of these Terms.

If you have any questions or comments after you’ve read these Terms, we welcome your enquiries at hello@gocrayon.com.

Section 1 - Application of Terms

1. By accessing and using our website and the Services, you agree to be bound by these Terms, including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms apply to all users of the site, including, without limitation, users who are browsers, vendors, customers, merchants, and/ or contributors of content.

2. If you do not agree to these Terms, you should immediately cease accessing our website or using the Services.

3. We may, in the future, offer additional or replacement Services through our website or other modes of communication (including the release of new tools and resources). The availability and use of such new Services will also be governed by and subject to these Terms.

Section 2 - Changes to Terms

4. We may need to update or change these Terms from time to time, including when necessary, to reflect changes to Crayon, updates to the Services or any changes in the law. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms by posting updates and changes on our website.

5. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Services following the posting of any changes to these Terms constitutes acceptance of those changes.

6. You can review the most current version of the Terms at any time on this page.

Section 3 - Your Obligations

7. You warrant that all information and data provided by you to us in order to use or gain access to the Services are true, accurate and complete and not misleading or deceptive.

8. In addition to other restrictions stated in these Terms, you are prohibited from using the site or its content:

(a) for any unlawful purpose;

(b) to solicit others to perform or participate in any unlawful acts;

(d) in infringement or violation of our intellectual property rights or the intellectual property rights of others;

(e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;

(f) to submit false or misleading information;

(g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of our website or the Services or of any related website, other websites, or the Internet;

(h) to collect or track the personal information of others;

(i) to spam, phish, pharm, pretext, spider, crawl, or scrape;

(j) for any obscene or immoral purpose; or

(k) to interfere with or circumvent the security features of our website or the Services or any related website, other websites, or the Internet.

9. We reserve the right to terminate your use of the Services or any related website for committing any breach of these Terms.

10. You indemnify us in respect of any loss, damage, liability, cost and/or expense (including legal costs on a solicitor and own client basis) we suffer or incur as a direct or indirect result of your failure to comply with these Terms.

Section 4 - User Comments, Feedback and Other Submissions

11. If, at our request, you send certain specific submissions (for example, contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'your materials '), you agree that we may, at any time, without restriction and on a royalty-free basis, edit, copy, publish, distribute, translate and otherwise use in any medium any of your materials.

12. We are and will be under no obligation (1) to maintain any of your materials in confidence; (2) to pay compensation for any use or publication of any of your materials; or (3) to respond to any of your materials.

13. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion to be unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms.

14. You warrant that your materials will not violate any right of any third-party, including copyright, trademark or other intellectual property, privacy, personality or other personal or proprietary right. You further warrant that your materials will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of our website or the Services or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin, validity or authenticity of any of your material. You are solely responsible for your materials and their accuracy. We take no responsibility and assume no liability for any of your materials whether posted by you or by any third-party.

Section 5 - Personal Information

15. Your submission of personal information through access to our website or your use of the Services is governed by our Privacy Policy. To view our Privacy Policy, please click here.

Section 6 - Intellectual Property Rights

16. All proprietary and intellectual property rights in the Services are owned exclusively by us or our licensors, including all content, information, data, text, graphics, artwork, photographs, logos, icons, sound recordings, videos and look and feel (Crayon IP).

17. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services or any contact on the website through which the Services are provided, or any content on or accessible through our website, without express written permission by us.

Section 7 - Modifications to the Services and Prices

18. The price for the provision of any Services or any other charges shown on our website are in New Zealand dollars unless expressly stated otherwise and are exclusive of GST. The applicable GST is payable in addition to the specified price.

19. We may change our pricing for Services from time to time. The price for providing our Services to you are those prevailing at the time that you commit to or place an order for such Services. .

20. We reserve the right, but are not obligated, to limit the provision of our Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities or extent of any Services that we offer or provide.

21. The scope and descriptions of Services to be provided by us are subject to change at any time without notice.

22. We will not be liable to you or to any third party for any modification, price change, suspension or discontinuance of all or part of the Services.

Section 8 - Disclaimers

23. The content made available on the Services has been prepared solely for informational and educational purposes. Any information or guidance provided or described in the Services are intended to be of a general nature and provide general information only.

24. The opinions expressed by Crayon do not constitute investment or financial advice and are not to be viewed as investment or financial advice. They do not take into account your investment or financial needs or personal circumstances. Independent advice should be sought where appropriate. Should you require financial advice you should consult a financial adviser.

25. This site may contain certain historical information. Historical information, necessarily, is not current and is provided for reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site. Past performance or indication is not a guarantee of future performance.

26. To the extent permitted by law, we and our licensors have no liability or responsibility to you or any third party for any loss, liability, damage, cost or expense however caused (whether direct, indirect or consequential) in relation to:

(a) the Services being unavailable (in whole or in part) or the timing for the provision of Services;

(b) any error in, or omission from, any information made available through the Services; and/or

(c) any exposure to viruses or other forms of interference which may damage your computer system or expose you to fraud when you access or use our website or the Services. To avoid doubt, you are responsible for ensuring the process by which you access and use the Services provides you with adequate security and protection from harm.

27. We will use reasonable endeavours to ensure that the Services provided are free from fault and to correct any errors or omissions as soon as practicable after becoming aware of them.

28. We reserve the right to make corrections and changes to the Services at any time without notice (including to block access to and/or to edit and/or remove any material which in our reasonable opinion may give rise to a breach of these Terms or allow for repairs, maintenance or the introduction of new functionality on our website or for the provision of the Services).

Section 9 – Consent to Use Personal Financial Data

29. In order to provide some of the Services to you, we will need to obtain some basic personal financial data from you (“Your Data”) which will enable us to obtain relevant personal financial information about you from specialised third parties who can gain access to such information. When you provide Your Data to us, you are deemed to consent to our using Your Data to obtain relevant personal financial information about you from such third parties and to consent to such third parties using Your Data to extract such relevant personal financial information about you.

30. The consent which is granted by you as stated in clause 29 above is considered to be informed and freely given, and will continue in force and effect until you give us written notice to withdraw or discontinue such consent or the Service has been completed or terminated, whichever occurs first.

Section 10 – Third Party Links

31. Certain content, products and services available via our Services may include information, data or materials concerning you or your financial situation which are provided by or from third parties.

32. Third party links on this site may direct you to third party websites that are not affiliated with us. We are not responsible for examining or evaluating their content or accuracy, and we do not warrant and will not have any liability or responsibility for any third party materials or websites, or for any other materials, products, or services of third parties.

33. We are not liable for any harm or damage arising from or related to the purchase or use of services, resources, content, or any other transactions made in connection with any third party websites. Please review carefully the third party's policies, practices and terms of use and make sure you understand them before you engage in any transaction. Complaints, claims, concerns or questions regarding third party websites or suppliers should be directed to the third party.

Section 11 - Limitation of liability

34. To the extent permitted by law, we are not liable or responsible to you or any third party (whether arising in contract, tort (including negligence) or otherwise) for any loss, liability, damage, cost or expense however caused (whether direct, indirect or consequential) under or in connection with these Terms, the Services, or your access and use of (or inability to access or use) our website or the Services.

35. The limitation of liability set out in clause 34 above includes any loss, liability, damage, cost or expense (whether direct, indirect or consequential) arising from or in connection with any of Your Data or any of the relevant personal financial information about you obtained by us from from third parties being not true, accurate or complete or being misleading or deceptive or arising from or in connection with any breach of these Terms by you.

36. Except to the extent permitted by law, nothing in these Terms has the effect of contracting out of the New Zealand Consumer Guarantees Act 1993 or any other consumer protection law that cannot be excluded.

37. To the maximum extent permitted by law and only to the extent clauses 34 and 35 above do not apply, our total liability and the liability of our directors and agents to you under or in connection with these Terms, or in connection with the Services, or your access and use of (or inability to access or use) our website or the Services, will not exceed NZD1000.

Section 12 - Suspension and Termination

38. Without prejudice to any other right or remedy available to us, if we consider that you have breached any of these Terms or we otherwise consider it appropriate, we may immediately, and without notice, suspend or terminate your access to our website or the Services (or any part of the Services).

39. On suspension or termination, you must immediately cease accessing or using our website and the Services and must not attempt to gain further access or use.

Section 13 - Severability

40. If any part or provision of these Terms is or becomes illegal, unenforceable, or invalid, that part or provision is deemed to be modified to the extent required to remedy the illegality, unenforceability or invalidity. If a modification is not possible, the part or provision must be treated for all purposes as severed from these Terms. The remainder of these Terms will remain in effect and be binding on you.

Section 14 - Governing Law

41. These Terms are governed by New Zealand law and the Courts of New Zealand have non-exclusive jurisdiction in relation to any dispute arising out of or in connection with these Terms or your access to our website or your use of any of the Services.

Section 15 - General

42. If we need to contact you, we may do so by email or by posting a notice on our website. You agree that this satisfies all legal requirements in relation to written notices and communications.

43. For us to waive a right under these Terms, the waiver must be expressed and in writing.

You’ve made it to the end. Thanks for reading our Terms!