Terms and Conditions
Full Stack Property and My Property Wealth Playbook Platform Terms and Conditions
( Propertystack.co.nz )
Welcome to Propertystack.co.nz! We provide a cloud-based platform (Platform) where you can access property investment resources.
In these Terms, when we say you or your, we mean both you and any entity you are authorised to represent (such as your employer). When we say we, us, or our, we mean My Property Wealth Playbook (NZ Property Academy Limited, Company Number 9259552) and Full Stack Property (Full Stack Property Limited, Company Number 9391660) (together, “we”, “us”, “our”).
These Terms form our contract with you, and set out our obligations as a service provider and your obligations as a customer. You cannot use our Services unless you agree to these Terms.
Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms.
For questions about these Terms, or to get in touch with us, please email: Jason@fullstackproperty.nz.
These Terms were last updated on 26/03/2026
Engagement and Term
These Terms apply from when you sign up for an Account, until the date on which your Account is terminated in accordance with these Terms. We grant you a right to use our Services for this period of time only (which may be suspended or revoked in accordance with these Terms).
You must be at least 18 years old to use our Platform.
Variations: We may amend these Terms at any time, by providing written notice to you. By clicking “I accept” or continuing to use our Platform after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you may close your Account with effect from the date of the change in these Terms by providing written notice to us. If you close your Account, you will no longer be able to access our Services (including our Platform) on and from the date of cancellation.
Our Services
2.0 We provide the following services to you: access to our Platform; property investment content; presentations and seminars via our Platform; and access to our troubleshooting support (Support Services), (collectively, our Services).
2.1 User Responsibility
You acknowledge and agree that:
(a) you are solely responsible for all decisions made using the Platform and any inormation provided through it;
(b) you must conduct your own independent due diligence before entering into any property transaction;
(c) you must seek independent advice from appropriately licensed professionals, including financial advisers, mortgage advisers, accountants, and solicitors, before making any financial or investment decisions; and
(d) you use the Platform entirely at your own risk.
2.2 Platform Tools and Outputs
The Platform may provide calculators, projections, estimates, deal analysis, or other outputs based on data entered by you.
You acknowledge and agree that:
(a) all outputs are indicative only and are not guaranteed;
(b) outputs are generated based on assumptions and inputs provided by you;
(c) inaccurate or incomplete inputs will produce inaccurate or misleading results;
(d) outputs do not constitute financial advice, investment advice, or recommendations; and
(e) you must not rely solely on Platform outputs when making financial or investment decisions.
We are not responsible for any decisions made based on Platform outputs.
2.3 Separation of Platform and Services
You acknowledge that Propertystack is a software platform only. Any consulting, coaching, mentoring, property sourcing, or related services provided by Full Stack Property Limited or My Property Wealth Playbook are governed by separate agreements.
Use of the Platform does not create any obligation for us to provide consulting, property sourcing, acquisition, or execution services. Nothing within the Platform constitutes an offer to provide, or agreement to provide, any such services.
2.4 Unless we agree otherwise, Support Services cannot be used to support any other products or services, and does not include training, installation of software or hardware, software development or the modification, deletion or recovery of data or any on-site services.
2.5 Where we require access to your premises or computer systems in order to provide our Services, you agree to provide us with such access free from risk to the safety of our employees and contractors.
2.6 You acknowledge and agree that any information, advice, material or work provided by us as part of the Services does not constitute legal, financial, or investment advice. We are not a licensed financial advice provider and we do not design investment plans or take into account your particular financial situation or investment needs in providing the Services.
2.7 We will not be responsible for any other services unless expressly set out on in these Terms or on our Platform.
2.8 Additional Services: If you require additional services, we may, in our sole discretion, provide such additional services (to be scoped and priced in a separate contract provided by us).
2.9 Third Party Products or Services: Where you engage third parties to operate alongside our Services (for example, any third-party software systems you wish to integrate with our Platform), those third parties are independent of us and you are responsible for (meaning we will not be liable for) the goods or services they provide, unless we expressly agree otherwise under clause 2.6.
3.0 No Guarantees of Outcome: While we provide educational resources and support to assist you in your property journey, we do not guarantee any particular results, profits, or investment outcomes. Your results will depend on your own efforts, decisions, due diligence, and external market factors outside of our control.
3.1 If you require Support Services, you may request these by getting in touch with us through our Platform.
3.2 Client Responsibility: Members are responsible for their own due diligence and decisions. Participation in the program does not constitute a promise of property success. Members must take personal responsibility for taking action and implementing what is taught.
3.3 Member Conduct and Community Access: We reserve the right to remove any member from our community, property platform or coaching platform without refund for breaching community guidelines, including disrespectful behavior, unethical conduct, spamming, unauthorized access or misrepresenting information.
3.4 Use of Testimonials and Results: Any testimonials, case studies, or results presented in our materials are based on individual experiences and should not be interpreted as typical or guaranteed. These are shared for informational purposes only
3.5 Refund Policy: Due to the nature of digital products, platform access, and online services, all fees paid are non-refundable except where required by applicable law. If you believe you are entitled to a refund under applicable law, you must notify us in writing with full details of your claim.
3.6 Account - You must sign up for an Account in order to access and use our Platform.
3.7 While you have an Account with us, you agree to: keep your information up-to-date (and ensure it remains true, accurate and complete); keep usernames and passwords secure and confidential, and protect them from misuse or being stolen; and notify us if you become aware of, or have reason to suspect, any unauthorised access to your Account or any logins linked to your Account.
3.8 We may suspend your access to our Services where we reasonably believe there has been any unauthorised access to or use of our Services (such as the unauthorised sharing of login details for our Platform). If we suspend your access to our Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate your Account and your access to our Services will end.
3.9 No Agency or Transaction Involvement
You acknowledge and agree that we do not act as a real estate agent, broker, or intermediary in any property transaction unless expressly agreed in writing under a
separate agreement. We do not negotiate, secure, or acquire property on your behalf through the Platform.
The Platform is provided for informational and educational purposes only and does not facilitate or constitute real estate agency services.
Payments
4.1 You must not pay, or attempt to pay, any fees due under these Terms or as a result of your use of our Services by fraudulent or unlawful means. If you make payment by debit or credit card, you must be the authorised card holder. If payment is made by direct debit, by providing your bank account details and accepting these Terms, you authorise our nominated third-party payment processor to debit your bank account, and you confirm that you are either the holder or an authorised signatory of that bank account.
4.2 Late Payments: If any fees due under these Terms or as a result of your use of our
Services are not paid on time, we may:
suspend your access to our Services (including access to our Platform); and
charge interest on any overdue payments at a rate equal to the Reserve Bank of New
Zealand’s cash rate, from time-to-time, plus 2% per annum, calculated daily and
compounding monthly.
4.3 Taxes: You are responsible for paying any levies or taxes associated with your use of
our Services, for example sales taxes, value-added taxes or withholding taxes (unless we
are required by law to collect these on your behalf).
Platform Licence
5.1 While you have an Account, we grant you a right to use our Platform (which may be
suspended or revoked in accordance with these Terms). This right cannot be passed on or
transferred to any other person.
5.2 You must not:
access or use our Platform in any way that is improper or breaches any laws, infringes any
person's rights (for example, intellectual property rights and privacy rights), or gives rise to
any civil or criminal liability;
interfere with or interrupt the supply of our Platform, or any other person’s access to or use
of our Platform;
introduce any viruses or other malicious software code into our Platform;
use any unauthorised or modified version of our Platform, including but not limited to for
the purpose of building similar or competitive software or for the purpose of obtaining
unauthorised access to our Platform;
attempt to access any data or log into any server or account that you are not expressly
authorised to access;
use our Platform in any way that involves service bureau use, outsourcing, renting,
reselling, sublicensing, concurrent use of a single user login, or time-sharing;
circumvent user authentication or security of any of our networks, accounts or hosts or
those of any third party; or
access or use our Platform to transmit, publish or communicate material that is,
defamatory, offensive, abusive, indecent, menacing, harassing or unwanted.
Availability, Disruption and Downtime
6.1 While we strive to always make our Services available to you, we do not make any
promises that these will be available 100% of the time. Our Services may be disrupted
during certain periods, including, for example, as a result of scheduled or emergency
maintenance.
6.2 Our Services (including our Platform) may interact with, or be reliant on, products or
services provided by third parties, such as cloud hosting service providers. To the
maximum extent permitted by law, we are not liable for disruptions or downtime caused or
contributed to by these third parties.
6.3 We will try to provide you with reasonable notice, where possible, of any disruptions
to your access to our Services.
6.4 Platform Changes
We may modify, update, remove, suspend, or discontinue any part of the Platform,
including features, tools, functionality, or content, at any time without prior notice.
We are not liable for any loss, inconvenience, or impact caused by changes to the
Platform, including where features are altered or removed.
Intellectual Property and Data
7.1 We own all intellectual property rights in our Services (including our Platform). This
includes how our Platform looks and functions, as well as our copyrighted works,
trademarks, inventions, designs and other intellectual property. You agree not to copy or
otherwise misuse our intellectual property without our written permission (for example, to
reverse engineer or discover the source code of our intellectual property), and you must
not alter or remove any confidentiality, copyright or other ownership notice placed on our
Platform.
7.2 We may use any feedback or suggestions that you give us in any manner which we
see fit (for example, to develop new features), and no benefit will be owed to you as a result
of any use by us of your feedback or suggestions.
Your Data
7.3 We do not own any of Your Data, but when you enter or upload any of Your Data into
our Platform, you grant us the right to access, analyse, backup, copy, store, transmit, and
otherwise use Your Data while you have an Account with us (and for a reasonable period of
time afterwards). We may use Your Data (or disclose it to third party service providers) to:
supply our Services to you (for example, to enable you to access and use our Services),
and otherwise perform our obligations under these Terms;
diagnose problems with our Services;
improve, develop and protect our Services;
send you information we think may be of interest to you based on your marketing
preferences;
perform analytics for the purpose of remedying bugs or issues with our Platform; or
perform our obligations under these Terms (as reasonably required).
7.4 You acknowledge and agree that because of the nature of the internet, the
processing and transmission of Your Data by us may occur of various networks, and may
be transferred unencrypted.
7.5 You are responsible for (meaning we are not liable for):
the integrity of Your Data on your systems, networks or any device controlled by you; and
backing up Your Data.
7.6 When you use our Services, we may create anonymised statistical data from Your
Data and usage of our Services (for example, through aggregation). Once anonymised, we
own that data and may use it for our own purposes, such as to provide and improve our
Services, to develop new services or product offerings, to identify business trends, and for
other uses we communicate to you. This may include making such anonymised data
publicly available, provided it is not compiled using a sample size small enough to make
underlying portions of Your Data identifiable.
7.7 If you do not provide Your Data to us, it may impact your ability to receive our
Services.
Confidential Information and Personal Information
8.1 While using our Services, you may share confidential information with us, and you
may become aware of confidential information about us. You agree not to use our
confidential information, and to take reasonable steps to protect our confidential
information from being disclosed without our permission, and we agree to do the same for
your confidential information. This also means making sure that any employees,
contractors, professional advisors or agents of ours or yours only have access to
confidential information on a ‘need-to-know basis’ (in other words, the disclosure is
absolutely necessary), and that they also agree to not misuse or disclose such confidential
information.
8.2 However, either you or we may share confidential information with legal or
regulatory authorities if required by law to do so.
8.3 We collect, hold and disclose and use any Personal Information you provide to us in
accordance with our privacy policy, available here, and applicable privacy laws.
8.4 You must only disclose Personal Information to us if you have the right to do so
(such as having the individual’s express consent).
8.5 We may need to disclose Personal Information to third parties, such as our related
companies or our service providers (for example, IT and administrative service providers
and our professional advisors).
New Zealand Consumer Laws
9.1 To the maximum extent permitted by law, our warranties are limited to those
expressly stated in this Agreement. Any implied condition or warranty (including any
warranty under Part 3 of the Contract and Commercial Law Act 2017) is excluded.
9.2 You agree and represent that you are acquiring the Services for the purposes of
trade. The Parties agree that:
to the maximum extent permitted by law, the Consumer Guarantees Act 1993 does not
apply to the supply of the Services or the Agreement; and
it is fair and reasonable that the Parties are bound by this Agreement, including this clause
9.2.
9.3 This clause 9 will survive the termination or expiry of this Agreement.
Liability
10.1 To the maximum extent permitted by law, we will not be liable for, and you release
us from liability for, any Liability caused or contributed to by, arising from or in connection
with:
your computing environment (for example, your hardware, software, information
technology and telecommunications services and systems);
your property investment success; or
any use of our Services by a person or entity other than you.
10.2 Regardless of whatever else is stated in these Terms, to the maximum extent
permitted by law:
neither we or you are liable for any Consequential Loss;
a party’s liability for any Liability under these Terms will be reduced proportionately to the
extent the relevant Liability was caused or contributed to by the actions (or inactions) of
the other party, including any failure by the other party to mitigate its loss; and
our aggregate liability to you for any Liability arising from or in connection with these Terms
will be limited to NZ$1,000.
Termination
11.1 We may terminate these Terms (meaning you will lose access to our Services,
including access to your Account) if:
you breach these Terms and do not remedy that breach within 14 days of us notifying you
of that breach;
you breach these Terms and that breach cannot be remedied; or
you experience an insolvency event (including but not limited to bankruptcy, receivership,
voluntary administration, liquidation, or entering into creditors’ schemes of arrangement).
11.2 You may terminate these Terms if:
we breach these Terms and do not remedy that breach within 14 days of you notifying us of
that breach; or
we breach these Terms and that breach cannot be remedied.
11.3 You may also terminate these Terms at any time by notifying us through your
Account or to our email for notices (as set out in clause 12.8), and termination will take
effect immediately.
11.4 Upon termination of these Terms, we will retain Your Data (including copies) as
required by law or regulatory requirements.
11.5 Termination of these Terms will not affect any other rights or liabilities that we or
you may have.
General
Assignment: You may not transfer or assign these Terms (including any benefits or
obligations you have under these Terms) to any third party without our prior written
consent. We may assign or transfer these Terms to a third party, or transfer any debt owed
by you to us to a debt collector or other third party.
Disputes: Neither we or you may commence court proceedings relating to any dispute,
controversy or claim arising from, or in connection with, these Terms (including any
question regarding its existence, validity or termination) (Dispute) unless we and you first
meet (in good faith) to resolve the Dispute. Nothing in this clause will operate to prevent us
or you from seeking urgent injunctive or equitable relief from a court of appropriate
jurisdiction.
If the Dispute is not resolved at that initial meeting:
where you are resident or incorporated in New Zealand, the Dispute is to be referred to
mediation, administered by the New Zealand Disputes Resolution Centre, who will decide
the time, place and rules for mediation, and the costs of mediation will be shared equally;
or
where you are not resident or incorporated in New Zealand, the Dispute is to be referred to
arbitration administered by the New Zealand International Arbitration Centre, with such
arbitration to be conducted in Hamilton, New Zealand, before one arbitrator, in English and
in accordance with the NZIAC Arbitration Rules.
12.3 Events Outside Our Control: We will not be liable for any delay or failure to perform
our obligations (including our Services), if such delay or failure is caused or contributed to
by an event or circumstance beyond our reasonable control.
12.4 Governing law: These Terms are governed by the laws of New Zealand, and any
matter relating to these Terms is to be determined exclusively by the courts in New Zealand
and any courts entitled to hear appeals from those courts.
12.5 Illegal Requests: We reserve the right to refuse any request for or in relation to our
Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-
compliant with these Terms.
12.6 Marketing: You agree that we may send you electronic communications about our
products and services. You may opt-out at any time by using the unsubscribe function in
our electronic communications.
12.7 Nature of Legal Relationship: These Terms do not create, and should not be
interpreted so as to create, a partnership, joint venture, employment or agency
relationship between us and you.
12.8 Notices: Any notice you send to us must be sent to wilson@nzpacademy.com Any
notice we send to you will be sent to the email address registered against your Account.
12.9 Publicity: You agree that, subject to your prior written consent, we may advertise or
publicise the fact you are a customer of ours, for example on our website or in our
promotional material, and you grant us a right to display and use your logo and branding
solely for that purpose.
12.10 Survival: Clauses 7 to 11 will survive the termination or expiry of these Terms.
12.11 Third Party Sites: Our Platform may contain links to websites operated by third
parties. Unless we tell you otherwise, we do not control, endorse or approve, and are not
responsible for, the content on those websites. We recommend that you make your own
investigations in relation to the suitability of those websites. If you purchase goods or
services from a third party website linked from our Platform, those goods or services are
being provided by that third party, not us. We may receive a benefit (which may include a
referral fee or a commission) should you visit certain third party websites through a link on
our Platform, or for featuring certain goods or services on our Platform. We will make it
clear by notice to you which (if any) goods or services, or website links, we receive a benefit
from by featuring them on our Platform.
Definitions
13.1 In these Terms:
Account means an account accessible to the individual or entity who signed up to our
Services.
Consequential Loss includes any consequential loss, special or indirect loss, real or
anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill,
loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption
of data, whether under statute, contract, equity, tort (including negligence), indemnity or
otherwise. However, your obligation to pay us any amounts for access to or use of our
Services (including our Platform) will not constitute “Consequential Loss”.
Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement,
investigation, demand, proceeding or judgment (whether under statute, contract, equity,
tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or
indirect and/or whether present, unascertained, future or contingent and whether involving
a third party or us or you or otherwise.
Personal Information means any information or opinion about an identified individual, or
an individual who is reasonably identifiable, whether the information or opinion is true or
not, and whether the information or opinion is recorded in a tangible form or not.
Platform means our cloud-based platform, available at https://propertystack.co.nz/ .
Services means the services we provide to you, as detailed in clause 2.1.
Your Data means the information, materials, logos, documents, qualifications and other
intellectual property or data supplied by you when receiving our Services or stored by or
generated by your use of our Services, including any Personal Information collected, used,
disclosed, stored or otherwise handled in connection with our Services. Your Data does
not include any data or information that is generated as a result of your usage of our
Services that is a back-end or internal output or an output otherwise generally not available
to users of our Services.