Draft — pending NZ-qualified legal review. The text below is a substantive working draft based on docs/compliance-notes.md and Privacy Act 2020. Final wording will be reviewed by a NZ-qualified lawyer before public launch. Until then, treat it as our best-effort statement of intent rather than a finalised contract.

Terms of Use

Effective April 2026 · Last reviewed draft 1 May 2026

ClearHold helps New Zealand residential landlords prepare their tax properly. It turns messy receipts, bank statements and property records into structured, accountant-ready workpapers with the evidence needed to support the result. These Terms of Use govern your use of the ClearHold web application at app.clearhold.nz and any related services (together, the "Service").

By creating an account, you agree to these terms. If you don't agree, please don't use the Service.

1. Your ClearHold account

You need an account to use the Service. You must be 18 or older and authorised to manage tax information for the rental properties you add. You are responsible for the security of your login credentials and for any activity under your account.

2. What ClearHold is — and isn't

ClearHold is a record-keeping and calculation tool. It is not tax advice and we are not a registered NZ tax agent. You remain responsible for the accuracy of your tax filings. Please confirm your specific tax position with a registered NZ tax agent or accountant before filing.

3. What ClearHold is built for — and what it isn't

ClearHold is built for NZ-resident individuals (or jointly owning couples) with long-term residential rental properties held in their own name. It is not suitable, and we do not support, the following situations in the current version:

  • Property held through a trust, look-through company (LTC), ordinary company, or partnership
  • Short-stay or Airbnb-style accommodation, listed-services marketplace activity, boarding, or other GST-registered rental activity
  • Mixed-use properties (e.g. a holiday home used privately for part of the year) and properties with private-use periods
  • Commercial, industrial, or farm property
  • Property owned by a non-resident or subject to Residential Land Withholding Tax (RLWT)
  • Cross-border, rollover-relief, and relationship-property transfers
  • Social housing or employee-accommodation arrangements

If any of the above applies to your situation, ClearHold's outputs (including any IR3R pack) may be incomplete or incorrect. You should use a registered NZ tax agent or accountant instead of relying on ClearHold.

4. Subscription, billing, and cancellation

Paid plans are billed annually at the price shown at sign-up, inclusive of GST. You can cancel at any time from your Billing settings; you retain access until the end of the billing period you have paid for. Lifetime-access plans are a one-off payment and covered by our separate Refund Policy.

5. Your data

You own the data you put into ClearHold. We process it to provide the Service, in line with our Privacy Policy. You can export your data as CSV + PDF at any time, and for 90 days after cancellation.

6. Acceptable use

Don't use ClearHold to break the law, impersonate someone else, scrape or resell the service, probe our security, or do anything that interferes with other users. We may suspend or close accounts that do.

7. Limitation of liability

To the extent permitted by the Consumer Guarantees Act 1993 and other applicable NZ law, our liability for any loss arising from your use of the Service is limited to the amount you paid us in the 12 months preceding the loss. Nothing in these terms limits your rights as a consumer under the CGA.

8. Disputes and governing law

These terms are governed by New Zealand law. Any dispute will first be discussed in good faith, then escalated to the Disputes Tribunal or another NZ court of competent jurisdiction.

9. Service availability

We aim for the Service to be available all the time, but we don't guarantee it. We may take it offline for short maintenance windows, urgent security work, or when our hosting providers (Railway, Stripe, Akahu) are degraded. We'll publish planned maintenance to your account email when we can.

10. Beta and friend-trial use

Until ClearHold opens to public sign-ups, the Service operates as a closed friend-trial. Features may be incomplete, and outputs (including any draft IR3R pack) are intended to be reviewed and adjusted by your accountant before filing. Friend-trial participants are encouraged to flag anomalies via email so we can fix them before public launch.

11. Changes to these terms

We may update these terms from time to time. Material changes will be notified by email to your account address at least 14 days before they take effect. Continued use of the Service after the effective date means you accept the updated terms.

Questions? hello@clearhold.nz