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Terms and conditions

By viewing and using Sorted, you agree to the following conditions of use.

Legal disclaimer

Tip: Use the Sorted information and calculators as a guide and starting point only, then seek professional advice.

The Commission for Financial Capability (CFFC) hopes Sorted will help you to make better informed decisions about how best to manage your finances and to plan for your future.

Sorted information and calculators are not intended to be your only source of information when you are making financial decisions. They should be treated as a guide only. Use Sorted as a starting point and then seek professional advice.

No warranty or liability

We make every effort to ensure that, at the time of publishing, Sorted's information is accurate and the calculators are reliable. However, neither the Commission nor any of its employees make any express or implied representations or give any warranties regarding the material or facilities contained or referred to in this site, and we accept no liability for:

  • any loss or damage whatsoever which may arise in any way out of the use of any of the material or facilities
  • any errors in or omissions from the material or facilities, or
  • the accuracy of any information obtained through use of this site.

We cannot guarantee that the Sorted website will always be accessible or free of errors.

Calculator results are not exact

The Sorted calculators give ballpark figures only - they are not exact. The assumptions in the calculators may not always hold true or be relevant to your particular situation.

Unused My Sorted accounts are eventually deleted
We delete My Sorted accounts that have not been used for 3 years if they have no saved calculators, and after 7 years if they do have saved calculators.

Views of others are their own

Articles or reports by named authors express their views, and do not necessarily reflect the views of the Commission for Financial Capability.

Changes to these terms and conditions

We may change these terms and conditions, including the terms in Your Privacy below, by publishing new terms and conditions on the Sorted website from time to time. We won’t need to give you separate notice of any change, and any change will take effect from the time it is first displayed until and unless it is changed again.

Your privacy

You can use the Sorted website without supplying personal information, but some services won’t be available unless you supply a minimum amount of personal information.

My Sorted

My Sorted lets you save the results from Sorted tools, and build a picture as your finances change over time. You can reload calculators with saved results, test out different situations, or set reminders to come back and check your plan.

Any identifiable personal information saved in My Sorted is stored in accordance with good industry practice, and will not be disclosed to any third parties unless you consent or we are required to disclose your personal information by law or by a court. Aggregate demographic data on My Sorted users is assessed for reporting purposes from time to time. In this assessment, all individuals remain anonymous.

How we verify your identity

If you ask us to reset the password for your My Sorted account, change your personal details, or close or confirm your My Sorted account, we will need to access your My Sorted account and view your personal information so we can ask you questions and verify your identity.  You give permission for us (or our third party call centre operator) to do this. We will only carry out your request if we are satisfied that you are the account holder and we reserve the right not to reset your password or make the changes requested. If you are unable to access your My Sorted account, you may have to create a new account using a different email address.

Your comments

On Sorted, users can comment on content. Our comment moderators will read what you write before it is published and by so doing may collect personal information regardless of whether you intend us to see it. You can post comments under an “anonymous” user name if you wish, but you must supply your email address (which will not be published on the Sorted website).

We make no commitment to post comments on the Sorted website and we may remove or re-post any comment at any time.  We accept no responsibility for   comments by any user that are displayed on the Sorted website.

Web measurement tools

We use web measurement tools to tell us:

  • how people are using Sorted
  • what calculators they use, and
  • which pages they read, and so forth.

From time to time we aggregate the information obtained in order to publish statistics.

Our web measurement tools cannot identify the individuals using the site. This means we can see a record of what people do on the site, but not who they are. 


Most web browsers are set to accept cookies. If you do not wish to receive cookies from Sorted, you can set your browser to refuse them or to warn you when you are about to receive one. Please note that some Sorted features and services may not function properly if you disable cookies.

Checking your personal information

If you want to check personal information that the Commission for Financial Capability has collected from you and holds (or to request the correction of any such information) please write to:

Web Manager
Commission for Financial Capability
108 Quay Street, Auckland 1010
New Zealand

More information

For more information on privacy, please visit the Privacy Commissioner's website.

December 2014