Full terms below for the edge cases. Nothing below contradicts the summary.
These Terms of Service govern your subscription to and use of Materiality (the "Service"), operated by Dan Ibbotson, Sole Trader, Auckland, New Zealand ("we," "us," "our"). By subscribing or accessing the Service, you agree to these Terms.
Free tier: weekly newsletter, public archive, right to forward to colleagues.
Paid tier ($19 USD/month or $179/year, subject to change with 30-day notice): everything in free tier plus monthly tool-stack spreadsheet, vendor discount codes (where Materiality has negotiated partner rates), bi-monthly long-form deep-dives, reader Q&A AMA archive.
Subscribing grants you a non-exclusive, non-transferable, worldwide license to:
You may not:
30 days, no questions asked, from your first paid charge. Email editor@materiality.media with "Refund" in the subject.
After 30 days: cancel anytime, prorated to your next billing date. No refund for partial months/years.
If we materially fail to deliver paid-tier content, you can request a pro-rated refund regardless of the 30-day window.
We warrant that the Service is what we describe; we follow our editorial standards; paid-tier features are delivered as described.
Everything else is provided "as is." We don't warrant business outcomes from reading. We don't warrant that information is up-to-date the moment you read it. The Service is editorial guidance — decisions about your firm's tool choices remain yours.
Materiality is journalism about software and tools used in accounting practice. It is not professional advice. For advice on your firm's specific situation, consult a qualified accountant, lawyer, or tax advisor in your jurisdiction.
Our total liability is capped at the amount you paid in the prior 12 months (zero for free subscribers). We are not liable for indirect, consequential, incidental, or punitive damages. Nothing excludes liability that cannot legally be excluded (e.g., NZ Consumer Guarantees Act protections).
You agree not to share paid-tier content with non-paying readers, harass or defraud any vendor or individual, misrepresent Materiality's coverage, or submit fraudulent payment.
The Service uses third-party services (beehiiv, Stripe, Wise, Zoho, Cloudflare, SparkLoop). Their availability, fees, and policies are governed by their own agreements.
Sponsorships are clearly disclosed per editorial standards. Sponsorship does not influence editorial coverage. We may decline sponsorships at our discretion.
You agree to indemnify us against third-party claims arising from your use of the Service in violation of these Terms.
We may update, modify, or discontinue features. Material changes (paid-tier reductions, price changes) trigger 30-day email notice.
You may unsubscribe at any time — instant via the link in every issue. We may terminate your access if you breach these Terms.
Governed by New Zealand law. Disputes addressed by good-faith discussion first; if unresolved, by NZ courts — unless your jurisdiction's consumer-protection law gives non-waivable local rights.
We're not liable for failures from events beyond our reasonable control. If such an event makes the Service unusable for more than 30 days, paid subscribers can request pro-rated refund.
These Terms + our Privacy Policy are the complete agreement. If any part is unenforceable, the rest remains.
editor@materiality.media — plain English, real human, reply within 48 business hours.