What you and EKKO owe each other

These terms are a contract between you and Immiscible Tech Limited, the Aotearoa New Zealand company that runs EKKO, from the moment you make an account.

You have to be 18 or over and living in Aotearoa New Zealand. Making an account means you have read and agree to these terms and the Privacy policy.

• Free, $0. A bank connection through Akahu for 12 weeks from the day you sign up. A game you start on Free can run up to 12 weeks, and you can join any game from a link while you have free bank weeks. Every game is checked for real.
• Plus, $7 a week. Everything in Free, your bank connection kept after the first 12 weeks, and games of up to 52 weeks.

The 12-week limit on a game started on Free is applied when the game is made and when its length is changed. A game already running is never shortened.

After 12 weeks on Free, EKKO stops reading your bank unless you are on Plus, and emails you about a week before that happens, and never less than six days. If you are in a game at that point, your bank stays connected until the game ends, but you cannot start a new one on Free. Anyone who signed up before 17 September 2026 has their 12 weeks counted from that date. Stopping the connection never moves or touches your money.

When your 12 free weeks end, your past results and Discipline stay. You can’t join a new game until you’re on Plus.

What you are charged

Subscriptions are billed weekly through Stripe. The first payment is taken when you pick a paid plan, and after that you are charged on that same day each week. It has nothing to do with your game’s check day. Stripe holds your card details - EKKO never sees your card number.

The price you see is the price you pay. Immiscible Tech Limited is not GST-registered, so no GST is added on top. If that changes, the price shown will include it and you will be told before it takes effect.

If prices change

We will give you at least four weeks’ notice by email. If you are already subscribed, you stay on your current price for one more billing period after the change takes effect.

Only the first Battle Royale has a pool. It started on 1 October 2026 and keeps its pool until it ends. EKKO pays it from its own money, as promised. No other game has one.

The pool in that game is EKKO’s own money, paid through Stripe from EKKO’s own Stripe balance. Nobody pays into it, and there is no separate account set aside for it. Everyone in that game is in its split. No plan is needed.

• No weekly reward. Solo, the game that paid one until 2 October 2026, closed on 5 October 2026. Every weekly reward earned in it has been paid.
• Your part of the pool, in the first Battle Royale, is recorded as owed to you when the game ends, because that is when it is known who is still in. You have 90 days from the end of the game to claim it, and after that it expires.
• How you are paid. You connect a payout account through Stripe and claim from the Arena screen. Everything you are owed goes in one transfer, the full amount, on to your bank on Stripe’s normal schedule. EKKO takes no cut.

The full rules for how the pool is split are in Game rules.

Why EKKO’s view is that this is not gambling

Under the Gambling Act 2003, gambling means paying to take part in something whose outcome depends on chance, hoping to get money. EKKO’s view is that it does not meet that test. There is no chance in the game: the result depends only on your own saving, and the same balance always gives the same result. Nobody pays into the pool either, because it is EKKO’s own money.

On 2 September 2026 the Department of Internal Affairs (Gambling Group) gave a preliminary written view that EKKO does not appear to meet the Act’s definition of gambling. That view is not final and is not legal advice. A lawyer’s opinion is still to come, so this remains Immiscible Tech Limited’s position, not a settled ruling.

Cancel any time from Your plan. Your plan stops at the end of the week you have already paid for and you will not be charged again. There are no part-week refunds.

Your savings are never affected. EKKO never holds your money.

Once a week at 5:30pm Aotearoa time, EKKO reads your savings account balance through Akahu and compares it to your line - the balance you need to reach that week. A game is checked on the day the person who starts it picks; that day is also the day the game begins and its first check, so a first week can be shorter than seven days.

What counts is the balance at 5:30pm. Money that moves after 5:30pm does not count for that week, in or out. If your bank gives a transaction a date but no time, EKKO treats it as having happened before 5:30pm.

• At or above your line: a HIT.
• Below your line: a MISS. That uses a lifeline if you have one.
• Below your line with no lifelines left: you are out of that game. A game before its start date has no such thing.
• If Akahu cannot be reached for more than four hours after a check, the week is skipped and you are told. In a Battle Royale, if your bank cannot be read for a second week in a row, that week counts as a miss and uses a lifeline, and so does each week after it until your bank can be read again.

The balance comes from Akahu and EKKO cannot change what Akahu returns. Every result is recorded and kept. EKKO does not restrict where the money in your account came from and never penalises a deposit for being large, unexpected, or received rather than earned. The whole of it is in Game rules.

EKKO is a savings game. We are not a bank, a financial adviser or a lender, and nothing in EKKO is financial advice.

The Consumer Guarantees Act 1993 applies to your subscription: the service has to be fit for purpose and match its description. If it is not, you have remedies under that Act, and nothing here takes them away.

We are not responsible for losses from your own saving and spending decisions, for errors by your bank or by Akahu (though there is a path for those, below), or for interruptions outside our reasonable control.

1. Raise it with us. Open Past results, find the week, and use the “Something look wrong?” link. Every result is stored with the exact target, balance, line and lifelines used, and those figures go with your question automatically. EKKO checks the figures recorded for that week and replies in writing. You can also email chow@ekko.nz.
2. Ask for it to be looked at again. Reply to that email and the founder reads it personally.
3. Disputes Tribunal. If our answer is not good enough, you can file a claim at disputes.govt.nz (claims up to $30,000, filing fee from $45 - see their site for the current schedule).
4. Commerce Commission. For conduct under the Fair Trading Act 1986.