Legal

FMO provides AI-assisted marketing tools for New Zealand financial advisers. By using the service you agree to these terms.

Your responsibility. FMO drafts marketing content and runs an automated FMA Fair-Dealing pre-flight check. You remain the publisher. Nothing publishes without your approval, and you are responsible for the final content, its accuracy, and its compliance with the FMC Act 2013, FMA guidance, and your own disclosure obligations. The compliance gate is a tool to assist review, not a guarantee or a substitute for your professional judgement or your licensee's supervision.

Acceptable use. You will use the service only for your own licensed advice business, will not misrepresent products or returns, and will not use it to generate misleading or personalised-advice content outside your authorisations.

Availability & liability. The service is provided "as is." To the extent permitted by law (and subject to the Consumer Guarantees Act where it applies), our liability is limited to fees paid in the prior three months. We are not liable for regulatory action arising from content you approved and published.

Fees & termination. Plans are billed per the pricing you select; either party may terminate on notice. On termination you can export your data (brand brief, content plans, reports).

This policy explains how we collect, use, and protect personal information, consistent with the Privacy Act 2020 and the Information Privacy Principles (IPPs).

What we collect. Firm and adviser details (incl. public FSPR register data), your account details, content and settings you create, usage data, and — where you connect them — data from integrated tools (CRM, ad accounts, analytics) and any leads captured through your campaigns.

How we use it. To provide and improve the service, generate and check your marketing, produce your reports, and support you. We process lead data on your behalf as your service provider; you remain responsible for your clients' personal information.

Sharing & storage. We share data only with sub-processors needed to run the service (e.g. hosting, the AI model provider, analytics) under confidentiality obligations. Your content is not used to train third-party AI models. Data is held on reputable cloud infrastructure; we apply access controls and tenant isolation.

Your rights. You may access and correct your personal information, and ask us to delete it, subject to legal retention. Contact our privacy contact (below). You may also complain to the Office of the Privacy Commissioner.

FMO uses large language models (Anthropic Claude) to draft marketing content from your Company Brain and verified product facts.

Human in the loop. Every output is a draft for your review — nothing is published autonomously. You approve, edit, or discard each item.

Compliance checking. Drafts pass an automated FMA Fair-Dealing check (FMC Act s19–s22) before entering your queue, and cited product claims are drawn only from a verified, currency-checked facts corpus. This assists, but does not replace, your compliance review.

Accuracy. AI can make mistakes. Verify figures, product details, and claims before publishing. Your data is not used to train external models.