Terms and Conditions
Terms and Conditions
The terms and conditions (Terms) below outline your obligations as a Member and our obligations to you.
We may change the Terms at any time at our discretion. You will be notified of any change and where we believe that such change materially diminishes the benefits of, or the way we provide, our Service, that notice will be provided at least 30 days in advance. A copy of the revised Terms will also be available on the Website. Your continued use of or participation in our Website or Service, or receipt of any reward after this notice is provided will be deemed to be acceptance of, and consent to, the revised Terms. If you do not wish to accept the revised Terms you may notify us at email@example.com to close your account and confirm that you wish us to pay any confirmed rewards in that account to your nominated superannuation fund or donate them to a charity of our choice.
1. About our Service
1.1. Super-Rewards is a shopping platform where you earn cash rewards from retailers into your nominated superannuation account, either by shopping online or instore at a Super-Rewards retailer.
1.2. When you sign up, you need to provide us with accurate information about your super account so that we can make payments to the right account.
1.3. When you shop with retailers who have joined our program, you will receive the reward amount set out on the Website for your purchase. So that you can receive the reward, we must be able to track your purchases, which we can only do if you:
- are logged in to Super-Rewards and have clicked the retailer’s “Shop” button on our Website, or via our mobile app, when you shop online;
- shop directly from the retailer-specific promotional emails we send you when you shop online; or
- have linked your eligible Visa or Mastercard credit or debit card to your Super-Rewards account and shop at a Super-Rewards instore retailer.
Alternatively, you can use the Super-Rewards Chrome or Safari browser extension, Super-Activator, for desktop and tablet. For online purchases, when you visit the retailer’s website, you’ll receive a pop-up notification, which you then need to activate. You’ll need to ensure you have your cookies turned on and that your browser settings permit pop-ups.
We will not be able to track your rewards for online or instore purchases if:
- your browser is in incognito mode
- you use a browser other than Chrome or Safari
- you do not have your cookies turned on (see our Frequently Asked Questions)
- you click on the “Shop” button, then close the window, then visit the retailer’s site directly
- you use a coupon code that has not come from Super-Rewards
- you use a gift card
- you are redirected to that retailer’s app
- you shop instore at a non Super-Rewards retailer
- you shop instore at a Super-Rewards retailer but use a debit or credit card that is not linked to Super-Rewards
1.4. Please note that not all debit and credit cards are eligible to be linked to your Super-Rewards account. All determinations as to whether a card is eligible is at our sole discretion. For example, certain Mastercard and Visa cards are not eligible to be linked to your Super-Rewards account, including, but not limited to, the following: prepaid cards, corporate cards, purchasing cards, Visa giftcards, store cards which can only be used at their respective retailers’ stores, government-administered prepaid cards (including Medicare and healthcare cards) and cards that are not processed through the Visa payment system or the Mastercard payment system. To be eligible, the debit or credit card must be issued by an Australian Financial Institution.
1.5. Super-Rewards reserves the right not to pay rewards where the purchase was not made in accordance with clause 1.3 above.
1.6. You acknowledge that any rewards you earn through our rewards program will be paid into your super and that you will not be able to access your super until you meet a condition of release.
1.7. We are not affiliated with your super fund. For any questions about how your super fund works, you should contact your fund administrator directly.
1.8. If it appears you will earn more than $1,000 of Super-Rewards in any single payment cycle, we will be in touch to discuss additional requirements regarding payments. If you have not provided your super fund details, we reserve the right to suspend your access to the Service.
2. Our Website and Service do not provide personal advice
2.1. While we use reasonable efforts to ensure the accuracy and completeness of the information included in our Website and Service, any information included in the Website and Service is not personal financial advice. The information in our Website and Service is general in nature and may not be suitable for your individual objectives, financial situation or needs.
2.2. The information in our Website and Service is not in any circumstances to be considered as a substitute for professional financial advice. Any investment strategies discussed on the Website are not appropriate for every investor. You should always discuss investment decisions with your licenced financial adviser.
2.3. We do not represent that we are permitted to provide general advice in each jurisdiction from which you may view or access the Website.
2.4. Super-Rewards is a Corporate Authorised Representative of AFSL holder, Shartru Wealth Management Pty Ltd, ABN 46 158 536 871, AFSL 422409. Please refer to the Financial Services Guide for more information.
3. Some fine print about how our Service works – read this carefully along with our Frequently Asked Questions
3.1. We will usually make payments from your Super-Rewards account to your nominated super fund between the 15th and 20th of each month after we receive the rewards payment from the retailer. This will not be straight after you make your purchase and could even be some months after your purchase. The process is explained in more detail in our Frequently Asked Questions.
3.2. Sometimes we won’t be able to make the payment to your super fund. For example, if you have given us incorrect details, we will not be able to make the payment. In these cases, we will try to contact you to let you know about the issue.
3.3. Another situation where we might not be able to make the payment is if you are not eligible to make contributions into your super or if your super fund is not eligible to receive contributions. If you have any questions about whether you can make these kinds of contributions, you should first check with your super fund or read your super fund’s product disclosure statement.
3.4. Your super fund may have set a minimum amount for payment. For example, some super funds will not accept payments of less than $10. If your rewards don’t reach your super fund’s minimum amount, we will hold onto your rewards until you have accumulated enough rewards. Please see our Frequently Asked Questions for more information.
3.5. Where you have provided your super fund payment details and we cannot make the payment and it looks like we won’t be able to make it in the future (e.g. your fund advises us that it cannot receive voluntary contributions) we will endeavour to make appropriate arrangements for your rewards. For example, if you have more than one fund you might want to give us the details of your other fund.
3.6. If you have not provided your super fund payment details to us, or you do not respond to our requests to provide correct details, your rewards will stay in your Super-Rewards account until you provide us with these details, provided that you continue to shop and earn rewards. However, we reserve the right to suspend your access to the Service.
3.7. If we have made repeated attempts to contact you by any combination of phone, email and SMS over a period of 12 months and you have not shopped within that 12 month period then we will close your account and you will lose your Super-Rewards. We will notify you one final time, 30 days prior to closing your account, by email and/or SMS to the details listed in your account. Once your account is closed, you waive any right or claim with respect to your Super-Rewards. We will retain an administration fee of up to $1 and transfer any remaining rewards balance in your account to a charity of our choice.
3.8. Super-Rewards takes a percentage of each cash reward from the retailer; this is known as a referral commission. The cash reward offers and amounts which you can see in the Super-Rewards dashboard have already had the referral commission deducted. Any variation in commission amounts is at Super-Rewards discretion, although we will always try to secure the best commission rate for our members.
3.9. You acknowledge that any rewards we pay through our rewards program will be paid into your super and that you will not be able to access your super until you meet a condition of release. They cannot be redeemed for cash.
4. Use of the Website and Service
4.1. You must use the Website and Service in accordance with these Terms. By using the Website and Service, you warrant that you are over 18 and legally capable of entering into a binding contract, or that you have obtained parental or guardian consent. You are able to use Super-Rewards if you are between 14 years 9 months and 18 years of age if you are working at least 30 hours a week and eligible to contribute money to your superannuation.
4.2. You are solely responsible and liable for all activity and communication on the Service initiated by yourself or via your registered account login (your Account).
4.3. You must keep your Account login and subscription details secure and confidential and notify us immediately of any actual or suspected security breach.
4.4. If you use a workplace email address or facilities for your Account or to access the Service, then you are solely responsible for ensuring that you comply with your workplace rules.
4.5. As we consider necessary in our discretion, we can temporarily or permanently restrict your access to the Website or Service or revoke your Account.
4.6. We may change the Website or Service from time to time in our discretion.
4.7. The Website or Service may contain links to other third party websites. We do not endorse the content of these websites nor provide any warranties regarding the accuracy of their content.
5.1. In order to access the Services, you must become a Super-Rewards Member through the Website (Membership).
5.2. You will need to register for and set up an Account through the Website in order to obtain Membership. Once you have registered for a Membership, you will be a registered member of the Service (Member). As a Member you will be granted access to the Service from the time you have completed the registration process until your Membership expires or is cancelled, or our Service is discontinued, as set out below.
5.3. You must provide a valid email address when you register to become a Member and create an Account. By providing this email address you are giving us permission to email you. We may send you emails regarding any account activity (e.g. transactions or updates to your account) as well as marketing emails with content such as merchants and their products and promotions. If you no longer wish to receive marketing emails, you can unsubscribe at any time from the email.
5.4. You warrant that any information you give to us in the course of completing the Membership process is accurate, correct and up to date.
5.5. If any of your details change, including your email or details of your super fund, it is your responsibility to update us promptly by editing your details online in “My Account”, or you can email us at firstname.lastname@example.org so that you can continue to receive Membership benefits. We may cancel your Membership if you do not comply with, or if we reasonably consider that you are not complying with, any of these Terms.
5.6 We recommend you regularly log in to your Account to ensure that your rewards on purchases have been properly credited and that your Account balance is up to date. If you identify any missing rewards, errors or discrepancies, please notify Super-Rewards as soon as possible, but in any case within 60 days of the purchase date. We will not investigate any missing or incorrect rewards, if you do not provide a copy of your purchase receipt detailing Order ID, purchase date and purchase amount and, at any time after 60 days from the purchase date.
5.7. We may at any time discontinue the Website or Service in whole or in part. If you are a Member you will be notified via the Service.
5.8. To the extent permitted by law, we will have no liability to you for the cancellation or discontinuance.
6. Use of linked debit or credit cards and instore Transaction Information
6.1. By registering an eligible debit or credit card (Payment Card) in connection with instore transaction monitoring, you authorise us to share your payment card information with the third-parties that enable us to provide the Services (Third-Party Service Providers) and your eligible debit or credit card network (e.g. Visa, Mastercard) (Card Network) so it knows you enrolled. You authorise the Card Network to monitor transactions on your registered Payment Card(s) to identify qualifying instore purchases in order to determine whether you have qualified for or earned a reward linked to your Payment Card, and for the Card Network to share such transaction details with us. You agree that we and Third-Party Service Providers may view the transactions made by you with participating instore retailers.
6.2. You may opt-out of instore transaction monitoring on any Payment Card by logging in to your Super-Rewards account and deleting that linked Payment Card. Please note that if you opt-out of transaction monitoring, earning rewards via instore purchasing will not be available to you.
7. Unauthorised or Mistaken Transactions
7.1. It is generally not possible to reverse a completed payment made into a superannuation account, even if that payment was made by mistake.
7.2. If you suspect there has been fraudulent activity on your Account, you should immediately contact us so we can take appropriate steps to address the issue, such as suspending your login or requiring a password change.
7.3. You should also contact your super fund directly if you are concerned about any fraudulent activity on your super account.
8. Prohibited conduct
8.1. You must not:
- use the Website or Service in a way that could not reasonably be considered as ordinary personal use;
- use the Website or Service for any activities or post or transmit via the Website, any information or materials which breach any laws or regulations, infringe a third party’s rights, or are contrary to any relevant standard or codes;
- use the Website to post or transmit any material which interferes with other users or defames, harasses, threatens, menaces, offends or restricts any person or which inhibits any user from using the Website or Service;
- use the Website to send unsolicited email messages;
- in any way interfere with, hinder or modify the Website or Service;
- knowingly transmit any viruses or other disabling features to, or via, the Website or Service;
- attempt any of the above acts or facilitate or assist another person to do any of the above acts.
8.2. If we reasonably consider that your use of our Website or Service is excessive and suggests that you are making commercial use of our Website or Service, is flooding our Website with unsustainable traffic, or is otherwise unreasonably excessive, we reserve the right to suspend or cancel your access to the Service immediately without notice to you.
9. Intellectual Property
9.1. The contents of the Website incorporate our intellectual property and you must not copy or reproduce them.
9.2. Any third party intellectual property included in the Website is subject to the rights of the third party and remains the intellectual property of the third party.
9.3. If you provide any content to the Service, such as reviews, testimonials, content for discussion forums or other information, you grant us an irrevocable, perpetual, non-exclusive, royalty-free, worldwide licence to use, copy, adapt and sub-license that content for our purposes and you provide all necessary consents in relation to moral rights to enable us to do so. For discussion forums, you must follow the forum rules (if any). You warrant that you have the right to provide this licence and consent in relation to all such content, and that the content is not misleading, defamatory or offensive, or otherwise contrary to law or an infringement of the rights of any third party.
10.1. You indemnify us and our personnel from and against all losses and claims resulting from your breach of these Terms, any applicable law or any third party intellectual property rights.
10.2. You warrant and represent to us that you are using our Service for your personal use only. You must not, and warrant and represent that you will not, use our Website or Service for any business or commercial purpose.
10.3. To the extent permitted by law and except as set out in this clause, we exclude liability for any claims, losses, damage, cost or expense incurred by you in connection to your use of the Website or Service. We do not warrant that the Website or Service will be uninterrupted, free from delays, error-free or free from viruses or harmful code.
10.4. To the extent permitted by law we exclude all representations and warranties, expressed or implied but not limited to those relating to fitness for a particular purpose. You acknowledge that the Website and Service are provided “as is” and that we do not make any warranty or representation as to the suitability of the Website and Service for any purpose.
10.5. Our products and services may come with guarantees that cannot be excluded under the Australian Consumer Law. You may have rights under the Australian Consumer Law for major and minor failures. In addition to other entitlements, for a major failure you may be entitled to a refund or compensation for the reduced value of the product or service. For a minor failure, we may choose to provide you with a refund or re-supply the product or service.
10.6. To obtain compensation, you will need to provide documentary evidence of the loss or damage suffered, and documentary evidence that such loss or damage was a reasonably foreseeable consequence of our failure to comply with a consumer guarantee under the Australian Consumer Law.
10.7. The type of remedy we will offer you may vary depending on how long it takes you to make a claim.
10.8. To the extent permitted by law, we will not be liable to you for indirect and consequential loss arising from or connected to this agreement in contract, negligence or otherwise unless that loss arises as a result of our own wilful negligence or wilful misconduct.
10.9. Our liability to you for loss or damage of any kind arising out of this agreement or in connection with the relationship established by it is reduced to the extent (if any) that you cause or contribute to the loss or damage. This reduction applies whether our liability is in contract, negligence or otherwise.
10.10. For any customers located outside Australia, these Terms take effect to the fullest extent permitted by law in the applicable jurisdiction. However, please note that our Service may not be suitable for use in countries outside Australia.
10.11. To the extent permitted by law, you agree that you may bring claims in relation to the Website or Service only in your individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. Unless both parties agree, a court may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.
10.12. All limitations and exclusions set out in these Terms apply to the extent permitted by law.
12.1. If you have a complaint, please refer to the Financial Services Guide on our website for information on how to lodge your concerns.
13.1. Subject to the previous clause, any dispute or difference arising in relation to this agreement (Dispute) must first be referred for discussion between the parties.
13.2. If the parties have been unable to resolve the Dispute within 10 business days, the Dispute will be referred, at the request of either party, for mediation in accordance with the rules of the Australian Disputes Centre (ADC), by a mediator appointed by the ADC.
13.3. If the Dispute relates to financial services, it will be referred, at the request of either party, to AFCA. As noted above, you are also entitled to make a complaint directly to AFCA without waiting to follow the process set out in this clause.
13.4. Your Account will be suspended during the period of any Dispute (unless otherwise required by AFCA for a Dispute relating to financial services).
13.5. Each party must bear its own costs of the mediation (unless otherwise required by AFCA for a Dispute relating to financial services).
13.6. A party must not commence any proceedings, other than an application for urgent interlocutory relief, until it has complied with the provisions of this clause.
14.1. These Terms will be governed by and construed in accordance with the laws in New South Wales, Australia. You agree to submit to the non-exclusive jurisdiction of the courts having jurisdiction in that state and courts of appeal from them.
14.2. If any provision of the Terms is found to be invalid or unenforceable, this will not affect the remainder of the document, which will continue in full force and effect.
14.3. If we do not act in relation to a breach of the Terms by you, this does not waive our rights to act with respect to subsequent or similar breaches of the Terms by you.
15. Contact us
15.1. Please email us at email@example.com if you have any questions relating to our Terms.