Terms and conditions

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


Effective from June 2019

By accessing the Sorted Sessions platform and website (“Sorted Sessions”) you agree to these terms and conditions and our Privacy Policy (collectively the “Ts&Cs”).  These Ts&Cs make a contract between you (the individual user of Sorted Sessions) and us (the Commission for Financial Capability (“CFFC”, “we” or “us”)).

Legal disclaimer

Sorted Sessions is an online learning platform, provided free of charge. Users sign up to participate in a self-paced interactive course to improve their financial wellbeing.

CFFC hopes Sorted Sessions will help you to make better-informed decisions about how best to manage your finances and to plan for your future.

The information, activities, and links on Sorted Sessions are not intended to be your only source of information when you are making financial decisions. The information and tools on Sorted Sessions should be treated as a guide only. Use Sorted Sessions as a starting point and then seek professional advice.

Your Sorted Sessions account

In order to use Sorted Sessions, you will need to create an account with us. Your Sorted Sessions account lets you save your progress through Sorted Sessions courses and activities, and to build an action list throughout your journey.

To understand how we handle any personal information you provide us, check out our Privacy Policy.

You agree that before providing us with anyone else’s personal information, you will get any necessary permissions from that individual so that we can collect, use and store that information in accordance with our Privacy Policy, and you will take reasonable steps to ensure that individual knows about our Privacy Policy.

Changes to these terms and conditions

We may change these terms and conditions, including the terms in our Privacy Policy, by publishing new terms and conditions on the Sorted Sessions platform from time to time. Any change to these Ts&Cs will take effect from the time the revised terms are first displayed on Sorted Sessions. If you are not happy with those changes, you can close your account at any time.

Calculator results are not exact

The Sorted Sessions tools give ballpark figures only – they are not exact. The assumptions in the calculators and other tools on Sorted Sessions may not always hold true or be relevant to your particular situation.

Email communications

From time to time, you will receive email communications from Sorted Sessions relating to your registration and progress through the platform, or indicating completion at certain points. Should you wish to stop receiving email communications from Sorted Sessions you can click the unsubscribe link located at the end of every email. 

Unused Sorted Sessions accounts may eventually be deleted

We may delete Sorted Sessions accounts that have not been used for 3 years if they have no saved progress, and after 7 years if they do have saved progress. Saved progress may be deleted in the event of website updates, upgrades or redevelopments.

Views of others are their own

Articles or reports by named authors express their views, and do not necessarily reflect the views of CFFC.

Links from other sites to Sorted Sessions

You may create a hyperlink to Sorted Sessions from another website. However, the link must not be presented on the site in any context that implies that Sorted Sessions has an association with your site, or endorses your site or product.

Intellectual property

CFFC and its third party content providers own the content, information and activities on Sorted Sessions. Sorted Sessions logos and trade marks may not be used on another site without CFFC's expressed written permission. 

You must not copy, modify, adapt, reproduce or republish any part of Sorted Sessions. You retain any rights you have in the content you upload or save to Sorted Sessions, and you give us all permissions necessary for us to use, copy and store that content for the purposes of providing Sorted Sessions to you and other users, helping us improve Sorted Sessions, and for any of the purposes outlined in our Privacy Policy.

Your privacy

Most services on Sorted Sessions won’t be available unless you supply a minimum amount of personal information.

Web measurement tools

We use web measurement tools to tell us:

  • how people are using Sorted Sessions;
  • what pages they view; and
  • which videos they watch, and so forth.

Sorted Sessions uses a technology commonly referred to as "cookies". A cookie is a token that is stored on your computer. When you access Sorted Sessions the token acts as a record-keeping device. Cookies help CFFC provide additional functionality to you and help us analyse site usage more accurately. Most web browsers are set to accept cookies. If you do not wish to receive cookies from Sorted Sessions, you can set your browser to refuse them or to warn you when you are about to receive one. Please note that some Sorted Sessions features and services may not function properly if you disable cookies.

Closing your account

We can limit, suspend or close your account at any time, without or without a reason, by giving you 14 days’ notice to the contact  email address listed in your account, and we can do these things at any time, with or without giving you notice, if we reasonably consider that you have breached these Ts&Cs.

You can close your account at any time by contacting us at sessions@sorted.org.nz.

If we or you close your account, the contract between you and us that is based on these Ts&Cs will end, except for the remaining terms of these Ts&Cs (excluding those in the Privacy Policy) set out below, which will survive and continue indefinitely.

No warranty or liability

We make every effort to ensure that, at the time of publishing, Sorted Sessions information is accurate and the calculators are reliable. However, to the extent permitted by law, neither CFFC nor any of its employees make any express or implied representations or give any warranties regarding the material or facilities contained or referred to on Sorted, and we accept no liability for:

  • any loss or damage whatsoever which may arise in any way out of the use of, or inability to use, Sorted Sessions, or  any of the material or facilities on Sorted Sessions;
  • any errors in or omissions from the material or facilities; or
  • the accuracy or reliability of any information obtained through use of Sorted Sessions.

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


If at any time we do not exercise or enforce any rights available to us under these Ts&Cs, or give you extra time to comply, that does not mean we have waived those rights.

These Ts&Cs are governed by New Zealand law and any disputes between you and us in connection with them or Sorted Sessions will be resolved by the New Zealand courts.

If a term of these Ts&Cs is found to be invalid or not binding, it will be replaced with a term which, as far as legally possible, accomplishes the original purpose of that term, and all other terms will continue to be binding.

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