Terms of Service - ACCAdvisor.ai

Effective Date: 16th January 2026

Welcome to ACCAdvisor.ai (“we,” “us,” “our”). These Terms of Service (“Terms”) explain how you may use our digital tool designed to support people navigating ACC claims in New Zealand.

By accessing or using our services, you agree to these Terms. If you do not agree, please discontinue use.

We recognise many users are injured, stressed, or financially vulnerable, and we commit to operating fairly, ethically, transparently, and in good faith.

1. Our Service

ACCAdvisor.ai provides general procedural and medico-legal guidance to help users better understand ACC processes, options, and next steps.

Our service:

  • provides general information only
  • does not provide legal representation
  • does not replace professional legal, medical, or financial advice
  • supports informed decision-making but does not guarantee outcomes

Users remain responsible for decisions made based on information provided.

2. Subscription Plans

We currently offer the following subscription options:

Immediate Support — $4.99

Provides 24-hour one-time access.
   This plan does not auto-renew.

Monthly Support — $49.99/month

Provides ongoing access, billed monthly.
   Renews automatically unless cancelled.

Long Term Support — $499/year

Provides 12 months of access, billed annually.
   Renews automatically unless cancelled.

Pricing may change from time to time. Any changes will apply at the next renewal unless required otherwise by law.

3. Billing, Renewals & Cancellations

Payments are processed securely through Stripe.

  • Immediate Support is a one-time purchase
  • Monthly Support and Long Term Support renew automatically unless cancelled
  • You may cancel at any time through your account settings
  • Cancelling stops future charges, but access continues until the end of your paid period
  • Except where required by law or under our Refund Policy, partial refunds are not issued

4. Refund Policy & One-Time 7-Day Money-Back Guarantee

Our Refund Policy forms part of these Terms.

4.1 Immediate Support

Because Immediate Support provides instant full access, it is generally non-refundable.

Refunds may be considered where there is a billing error or technical failure.

4.2 Monthly Support & Long Term Support — 7-Day Guarantee

If you subscribe to Monthly Support or Long Term Support and within 7 days feel ACCAdvisor.ai has not provided meaningful value, you may request a full refund — no quibbles, no arguments.

This guarantee exists to reduce financial risk for people under stress or hardship.

Important conditions

  • The guarantee applies once per customer only
  • If you receive a refund and later subscribe again, the guarantee will not apply to future subscriptions
  • Refund approval does not require justification, though optional feedback may be requested

4.3 Refunds After the 7-Day Period

After the 7-day window:

  • refunds are generally not provided for unused time
  • exceptions may apply where legally required or in exceptional hardship cases, reviewed in good faith

5. Eligibility & Account Responsibility

You must:

  • be 18 years or older
  • reside in New Zealand
  • provide accurate registration information

You are responsible for:

  • safeguarding your login credentials
  • all activity under your account
  • notifying us if unauthorised access occurs

We may restrict or suspend accounts where misuse, fraud, or harmful behaviour occurs.

6. Acceptable Use

You agree not to:

  • misuse or exploit the platform
  • interfere with system integrity
  • upload unlawful, misleading, or harmful content
  • reverse-engineer or abuse functionality
  • use the service in a way that harms others

We reserve the right to restrict access to protect users and platform safety.

7. Important Disclaimers

7.1 No Legal Representation or Professional Advice

ACCAdvisor.ai provides general guidance only and does not provide legal, medical, or financial advice.

If you require tailored advice or legal representation, consult a qualified professional.

7.2 No Guarantee of Outcomes

We cannot guarantee:

  • ACC outcomes or decisions
  • uninterrupted service
  • error-free content
  • suitability for every individual case

7.3 Service Changes

We may update, modify, or improve features to maintain quality, legal compliance, and user safety.

8. Limitation of Liability

To the fullest extent permitted under New Zealand law:

  • We are not liable for indirect or consequential losses
  • Our liability is limited to the amount paid for the service in the previous 12 months

Nothing in these Terms limits rights under the Consumer Guarantees Act 1993, Fair Trading Act 1986, or other non-excludable NZ legal protections.

We aim to resolve concerns fairly and in good faith.

9. Indemnification

You agree to indemnify ACCAdvisor.ai against claims arising from:

  • misuse of the service
  • breach of these Terms
  • unlawful or harmful actions taken through your account

10. Privacy & Data Protection

Your use of ACCAdvisor.ai is governed by our Privacy Policy, which explains how personal information is protected under the Privacy Act 2020.

11. Suspension or Termination

We may suspend or terminate access where:

  • Terms are breached
  • unlawful or harmful activity occurs
  • platform safety is threatened
  • required by law

We aim to act proportionately, fairly, and transparently wherever possible.

12. Changes to These Terms

We may update these Terms from time to time.
 Material changes will be published and communicated where appropriate.

Continued use after updates take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by the laws of New Zealand, and disputes fall under the jurisdiction of New Zealand courts.

14. Contact Us

If you have questions, concerns, or complaints, contact us — we will respond promptly, respectfully, and in good faith, especially where users are experiencing injury-related stress or hardship.

📧Email: support@accadvisor.ai