Terms of Service

Effective Date: 12-05-2025

Welcome to SIP Abacus New Zealand. These Terms of Service (“Terms”) govern your access to and use of our website, https://sipabacus.co.nz/ (the “Site”), and any services, programs, or content provided by SIP Abacus NZ (“we,” “us,” or “our”). By accessing or using the Site, you agree to comply with and be bound by these Terms.

Acceptance of Terms: By using our Site, enrolling in our programs, or contacting us through the Site, you agree to these Terms and our Privacy Policy. If you do not agree, you may not use our services or access the Site.

Services Offered: SIP Abacus NZ offers educational programs that include abacus training, mental arithmetic development, and other related activities for children. All services are subject to availability and may be modified or discontinued at our discretion.

Eligibility: Our services are primarily intended for children aged 5–14, with all registrations and transactions completed by a parent or legal guardian. By enrolling your child, you confirm you are legally authorized to do so.

Fees & Payments:All program fees must be paid in accordance with the rates listed on the Site or as communicated directly. We reserve the right to change prices or introduce new fees at any time, with reasonable notice.

Dishonoured Payments — If a direct debit payment is dishonoured, SIP Abacus reserves the right to resubmit the direct debit within 5 business days without further notice.

Failed Payment Fee — A failed payment fee of $11.95 is charged by the direct debit provider and will be passed on to the account holder.

Late Payment Fee — A late payment fee of $20.00 will apply to any outstanding balances not settled by the due date.

Notice of Direct Debit — SIP Abacus will provide written notice of the amount and date of each direct debit no less than 2 business days before the date of the debit. If a dishonoured direct debit is resubmitted within 5 business days, a second notice will not be provided.

Consumer Protection — You are also protected by the Consumer Guarantees Act.

Cancellations & Refunds: A minimum of 28 days’ written notice is required to withdraw your child from the SIP Abacus Programme and cancel subsequent payments, regardless of whether you are on a monthly, six-monthly, or annual payment plan.

All fees paid are non-refundable, including six-monthly and annual payer fees. If SIP Abacus is unable to start a batch as requested, the entire fee charged will be refunded in full.

If you are a six-monthly or annual payer, your term will continue until the end of your payment period. If you do not renew before your renewal date, you will automatically be moved to the fortnightly payment plan.

Code of Conduct: We expect respectful behavior from students, parents, and guardians. SIP Abacus NZ reserves the right to terminate services for disruptive, harmful, or abusive behavior without refund.

Intellectual Property: All content on this Site, including course material, logos, videos, and designs, is the property of SIP Abacus NZ or its licensors. You may not use, reproduce, or distribute our content without prior written consent.

Third-Party Links: Our Site may contain links to third-party websites. We are not responsible for the content or privacy practices of these sites and encourage you to review their terms independently.

Disclaimer of Warranties: The Site and services are provided “as is” without warranties of any kind, either express or implied. We do not guarantee the Site will be error-free, secure, or uninterrupted.

Limitation of Liability:To the fullest extent permitted by law, SIP Abacus NZ shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of or inability to use the Site or services.

Modifications to Terms: We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the Site after changes constitutes your acceptance of the revised Terms.

Governing Law: These Terms shall be governed by and interpreted in accordance with the laws of New Zealand. Any disputes arising out of these Terms shall be subject to the exclusive jurisdiction of the courts of New Zealand.

Contact Us: If you have any questions about these Terms, please contact us at info@sipabacusanz.com

SIP Abacus Promise

SIP Abacus promises that children completing Foundation Level 4 of the SIP Abacus and Brain Gym Programme will be able to perform arithmetic calculations 5 times faster and with greater accuracy.

This will be proven by comparing two assessments:

A pre-assessment done before starting the SIP Abacus Programme
A post-assessment done after completing Foundation Level 4

If the child does not show at least 5 times improvement, SIP Abacus will refund a total of $2,000/-.

As part of the SIP Abacus Promise, we conduct a pre-assessment before your child begins Foundation Level 1/Junior 2. Based on this result, we guarantee that by the end of Foundation Level 4, your child will perform at least 5 times better in a similar assessment.

SIP Abacus is the first abacus programme in the world to offer an objective quality promise backed by a money-back guarantee.

Parents’ Support & Responsibility

The following Terms and Conditions apply to parents enrolling their child under the SIP Abacus Promise, through our authorised Licensee:

Eligibility Criteria
- This promise applies only to children who have not attended any other abacus or brain development programme.
- You confirm that your child has not attended such programmes before.

Age Requirement

- The promise applies to children aged 5 to 12 years (as of the enrolment date).
- Children older than 12 at enrolment are not eligible for the refund.

Conditions for Refund Validity
The $2,000 refund offer is void if the following are not met:

- Regular Attendance: The child must attend all sessions or complete makeup classes.
- Improvement Classes: The franchisee may conduct extra classes if needed. The child should attend these sessions.
- Break Policy: A break between levels is allowed, but must not exceed 8 weeks.
- Refund Timeframe: Refund must be claimed within 2 weeks of completing Foundation Level 4.

Post-Refund Restrictions

- If the refund is claimed, the child cannot continue to Advanced Levels in the SIP Abacus Programme.

Agreement Acceptance

- You must accept the agreement within 28 days of the email being sent by SIP Abacus for the SIP Abacus Promise to be valid.

Terms and Conditions – SIP Abacus ANZ Parent App

Effective Date: 1st July 2025
Version: 1.0

These Terms and Conditions (“Terms”) govern your access to and use of the SIP Abacus ANZ Parent App (“Parent App”, “App”), operated by Bhaani Consulting Limited (“SIP Abacus ANZ”, “we”, “us”, “our”). By downloading, registering, or using the Parent App, you agree to be bound by these Terms. If you do not agree, you must not use the App.

Eligibility and Registration

To use the Parent App, you must:

Be a parent, guardian, or legally authorised caregiver of a student enrolled with SIP Abacus ANZ
Be at least 18 years of age
Provide accurate and complete information when registering
You are responsible for maintaining the security of your account and any activity that occurs under your login credentials.

App Features and Usage

The Parent App offers the following features for authorised users:

Create and manage your child’s profile
View upcoming class schedules and attendance
Mark your child absent and schedule make-up sessions
Book parent-teacher meetings, practice, and improvement sessions
Receive class updates, progress reports, and notifications

All features must be used for lawful and educational purposes only.

3. User Responsibilities

By using the App, you agree to:

Keep your login information confidential and secure
Provide accurate and up-to-date information for yourself and your child
Not misuse or interfere with the operation or security of the App
Not attempt to reverse-engineer, duplicate, or tamper with the App
Promptly notify SIP Abacus ANZ of any suspected unauthorised access or misuse

4. Session Booking and Cancellations

You may use the App to:

Schedule or cancel make-up classes
Book practice sessions or parent-teacher meetings

Cancellations must be made within the timeframes defined by SIP Abacus ANZ policies. Frequent no-shows or late cancellations may affect your ability to book sessions.

5. Intellectual Property and Copyright

Unless otherwise stated, all content and materials featured in the Parent App and on associated websites are the copyright of SIP Abacus ANZ. This includes but is not limited to text, graphics, documents, instructional materials, and digital media.

You may not copy, reproduce, republish, upload, post, transmit, or distribute any content from the App without prior written permission from SIP Abacus ANZ.

6. Names, Images, and Logos

The names, images, and logos identifying SIP Abacus ANZ and any of its services, subsidiaries, partners, or affiliates are proprietary marks.

If you have received approval to link to SIP Abacus ANZ’s website or app, you may use the logo in conjunction with that link only. No other use of our logos, or third-party logos accessed via the App or website, is permitted without written permission from the relevant copyright owner.

Requests to use our logo should be submitted to the website or app administrator and must include:

Your full name
Organisation or company name
Contact telephone number
Email address
Explanation of how and why you wish to use the logo

7. App Availability and Changes

We strive to maintain uninterrupted access to the Parent App. However, availability may be affected by maintenance, updates, or external factors. We reserve the right to modify or discontinue any feature of the App at any time without liability.

You are responsible for keeping the App updated to ensure optimal performance and security.

8. Limitation of Liability

SIP Abacus ANZ is not responsible for:

Any indirect or consequential losses resulting from the use or inability to use the App
Data loss due to unauthorised access, technical errors, or network issues beyond our control
Changes to tutor availability, session cancellations, or academic outcomes

Use of the Parent App is at your own risk.

9. Termination

We reserve the right to suspend or terminate your account if:

You breach these Terms
You misuse any feature or attempt to compromise the system
We are legally required to do so

You may request account deletion at any time by contacting us at info@sipabacusanz.com.

10. Changes to These Terms

These Terms may be updated occasionally to reflect changes in legal requirements, business operations, or functionality. You will be notified of any material changes through email or in-app notice. Continued use after the update implies acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of New Zealand. Any disputes arising under or in connection with these Terms will be subject to the exclusive jurisdiction of the New Zealand courts.

13. Contact Us

If you have any questions, complaints, or requests regarding these Terms or your account, please contact:
📧 Email: info@sipabacusanz.com
🌐 Website: www.sipabacusanz.com