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

Legal disclaimer

Use the information and tools on Sorted as a guide and starting point only, then seek professional advice.


Te Ara Ahunga Ora Retirement Commission 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 tools are not intended to be your only source of information when you are making financial decisions. The information and tools on Sorted 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 Te Ara Ahunga Ora 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:

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

Calculator results are not exact

The Sorted tools 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 may eventually be deleted

We may delete My Sorted accounts that have not been used for 3 years if they have no saved tools, and after 7 years if they do have saved tools. Saved tools 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 Te Ara Ahunga Ora.

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. Any change to these terms and conditions will take effect from the time the revised terms are first displayed on Sorted.

Links from other sites to Sorted

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

Intellectual property

Te Ara Ahunga Ora owns the content, information and tools on Sorted.  Sorted logos and trade marks may not be used on another site without Te Ara Ahunga Ora's expressed written permission. 

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.

Your Sorted account

Your Sorted account 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 or test out different situations.

Any identifiable personal information saved in My Sorted is stored in accordance with good industry practice and the Privacy Act, and will not be disclosed to any third parties unless you consent or we are required to disclose your personal information by law or court order. Such personal information will be used by Te Ara Ahunga Ora for the purpose of facilitating your use of Sorted.

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 operator) to do this. We will only carry out your request if we are satisfied that you are the account holder.  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 blog posts. Our comment moderators will read what you write 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, edit 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:

From time to time we aggregate the information obtained in order to publish statistics. The information is also used regularly for continuous website improvement and to ensure a personalised user experience.


Sorted uses a technology commonly referred to as "cookies". A cookie is a token that is stored on your computer. When you access Sorted the token acts as a record-keeping device. Cookies help Te Ara Ahunga Ora 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, 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 Te Ara Ahunga Ora has collected from you and holds (or to request the correction of any such information) please write to:

Te Ara Ahunga Ora Retirement Commission
Level 15, 19 Victoria Street West
Auckland 1010
New Zealand

More information

For more information on our privacy policy can be found here or please visit the Privacy Commissioner's website.

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Flick a question to the Sorted team, or reach out to MoneyTalks on 0800 345 123 for personalised help.


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