Financial Disclaimer and Independence Statement

About this page

ThatDay is committed to transparency about how we operate, how we are funded, and how we maintain our independence. This page explains those matters clearly.

What ThatDay does

ThatDay is a free retirement planning platform. It helps New Zealanders estimate how much they need to save for retirement, understand the impact of their spending decisions, and explore different savings scenarios based on information they provide.

ThatDay does not provide financial advice

The information and results produced by ThatDay are for general educational and planning purposes only. They do not consider your complete personal or financial circumstances and should not be relied upon as a substitute for professional financial, investment, tax, or legal advice. ThatDay is not a licensed financial adviser and is not regulated as one by the Financial Markets Authority (FMA).

If you are considering making investment decisions, changing your KiwiSaver arrangements, or planning your estate, we encourage you to seek advice from a qualified professional.

How ThatDay is funded

ThatDay Charitable Trust (Registered Charity CC59983) is entirely funded by donations. We receive no government funding and generate no revenue from our services, which are free to all New Zealanders.

Our funding comes from three sources:

Four organisations provide financial support to ThatDay through charitable donations: Craigs Investment Partners, Milford Asset Management, Harbour Asset Management, and Perpetual Guardian.

Their support reflects a shared commitment to improving the financial wellbeing of New Zealanders and encouraging wise saving and investing habits. These organisations are listed within the ThatDay app at the point where users may be considering their next steps—such as exploring investment options or seeking financial planning advice. This listing is provided as a practical resource for users who choose to seek professional support. It is entirely the user's decision whether to contact any of these organisations or any other organisation should they so wish.

ThatDay receives legal and accounting services free of charge from a small number of professional firms who support our charitable mission. These firms are Allen & Associates, Chester Grey Chartered Accountants, Cygnus Law, and Davenports West Lawyers. Their contribution is provided as a donation of professional services and does not constitute an endorsement of ThatDay's content or results.

ThatDay accepts donations from members of the public through our Givealittle page. All donations are used solely to support ThatDay's charitable objectives.

Our Independence

ThatDay operates with complete independence from all funding partners and service providers. This means:

Calculations and results are independent. The retirement projections, savings estimates, and planning results produced by ThatDay are based solely on the information users provide and the assumptions described on our Assumptions page. No funding partner, service provider, or third party has any influence over how ThatDay's calculations work or the results they produce.

Partners do not direct our operations. Our funding partners and service providers have no role in how ThatDay conducts its business, develops its platform, or produces its content. As a registered charitable trust, ThatDay is governed by its trustees and operates in accordance with its charitable purposes — not in the interests of any commercial funder.

No referral fees are paid or received. ThatDay receives no payment, commission, or referral fee of any kind in connection with listing or referencing any organisation, including our funding partners. We do not benefit financially if a ThatDay user contacts or engages with any of the organisations listed on our platform.

No advertising. ThatDay does not carry advertising of any kind and does not allow any organisation to pay for placement or prominence within our platform or content.

A note on our Funding Partners

Craigs Investment Partners, Milford Asset Management, Harbour Asset Management, and Perpetual Guardian are all financial services firms operating in New Zealand. They are listed within ThatDay's platform as a resource for users who may wish to explore professional investment or financial planning advice.

Their financial support for ThatDay is provided as a charitable donation. They support ThatDay because they believe in what we are doing — helping all New Zealanders plan for retirement and make more informed decisions about saving and spending. That support does not entitle them to any influence over ThatDay's platform, content, calculations, or results.

ThatDay does not recommend any of these organisations over any other financial services provider. The decision to contact any of them, or any other professional adviser, rests entirely with the user.

Questions

If you have any questions about ThatDay's funding, independence, or the information on this page, please contact us at contact@thatday.co.nz.