Last updated: May 2026
These Terms of Service ("Terms") govern your use of Da Birthday Club ("we", "us", "our") and the membership, savings and card services we offer. By joining the waitlist, backing the launch, or using the service once available, you agree to these Terms.
Da Birthday Club is a savings membership. You choose a monthly amount, we hold it on your behalf in a safeguarded account with a licensed payments partner, and on your birthday the balance is issued to you as a digital Visa card you can spend anywhere Visa is accepted.
You must be at least 18 years old and a New Zealand resident to become a member. We may ask you to verify your identity before activating your account, in line with applicable New Zealand law.
Funds you contribute are held separately from our own operating funds in a safeguarded account with our licensed payments partner. We do not lend out, invest, or otherwise use your contributions for our own purposes. Your birthday payout equals your accumulated balance, less any disclosed membership or processing fees.
Membership pricing and any processing or cancellation fees are shown clearly before you sign up and in your account. If you cancel before your birthday, a fair cancellation fee may apply — this lock-in is what makes the savings discipline work.
Your birthday payout is delivered as a digital Visa card issued by our licensed card-issuing partner. Use of the card is also subject to the card issuer's cardholder terms, which we will provide. The card is valid for the period stated at issue.
You may cancel your membership at any time from within the app. Cancellation terms, including any applicable fee and how your held balance is returned, are described in your account.
We may update these Terms from time to time. If we make material changes, we will notify you. Continued use of the service after changes take effect means you accept the updated Terms.
Questions about these Terms? Email us at [email protected].
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