Legal

Terms of Use

Last updated: June 2026

Cut Adrift is a free service provided by TNW Limited, a company registered in New Zealand. By using this site, you agree to these terms.

What Cut Adrift is

Cut Adrift provides information and guidance for people navigating difficult life events, including bereavement and situations where someone can no longer manage their own affairs. The tools on this site use artificial intelligence to generate a personalised starting point based on the information you provide.

The output you receive is a general guide. It is not legal advice, financial advice, health advice, or any other form of professional advice. It does not create any professional relationship between you and TNW Limited.

Not a substitute for professional advice

The situations Cut Adrift covers — death, incapacity, legal processes, government entitlements — often have serious consequences. The information provided may not be current, may not apply to your specific circumstances, and may be incomplete. Before making any significant decision, seek advice from a qualified professional: a lawyer, financial adviser, doctor, or relevant government agency.

TNW Limited accepts no liability for any decision made or action taken in reliance on information provided by this service.

Your information

The answers you provide in the tools are sent to an AI model to generate your plan. We do not store your answers or your plan after your session ends. No account is required. Please do not enter sensitive identifying information such as full names, dates of birth, or identification numbers into the tools.

For full details on how your information is handled, see our Privacy Policy.

Accuracy and availability

We do our best to keep information current and accurate, but we cannot guarantee that all content reflects the latest laws, rates, or procedures. Government entitlements, legal processes, and eligibility criteria change. Always verify important details with the relevant agency or a professional.

We may update, change, or discontinue any part of the site without notice.

Acceptable use

Cut Adrift is provided for personal, non-commercial use. You may not use this site to scrape content, submit automated requests, or attempt to misuse or overload the service. If something isn't working, please let us know.

Intellectual property

The content on this site belongs to TNW Limited unless otherwise noted. The plan generated for you during a session is yours to use as you see fit.

Sponsorship and advertising

Cut Adrift may display sponsorship acknowledgements or advertising to help cover operating costs. Any commercial arrangements are managed by TNW Limited. Sponsored content will be clearly identified.

Governing law

These terms are governed by the laws of New Zealand. Any dispute arising from use of this service will be subject to the jurisdiction of the New Zealand courts.

Changes to these terms

We may update these terms from time to time. The date at the top of this page will reflect when they were last changed. Continued use of the site after any update constitutes acceptance of the revised terms.

Contact

Questions about these terms? Email privacy@cutadrift.org.