Welcome to the Super Rewards website, which is owned and operated by Super Rewards Pty Ltd ABN 90 629 681 296 (we, us, our, or Super Rewards). When you access and use our website at https://super-rewards.com and associated apps, sites and social media channels (our Website) and our super rewards program and associated toolkits and services (including our role as Corporate Authorised Representative of an Australian Financial Services Licence holder (the AFSL holder) (our Service), you agree that you have read and accept these terms and conditions (Terms). If you have any concerns about these Terms, you should not access or use our Website or Service.
1. About our Service
1.1. Super Rewards offers a super rewards program through which you can sign up to earn cash rewards paid to your nominated superannuation account.
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 merchants who have joined our program, you will receive the reward amount set out on the Website for your purchase. So you can receive the reward, we must be able to track your purchases, which we can only do if you:
We may not be able to track your rewards if:
1.4. You acknowledge that any rewards you earn through our super 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.
1.5. Our Service also includes super toolkits that you can use for a better understanding of superannuation. You can use these toolkits without being a member of our super rewards program.
1.6. We are not affiliated with your super fund. For any questions about how your super fund works, you should contact your fund admin directly.
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 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 financial adviser.
2.3. We do not represent that we are permitted to provide financial advice in each jurisdiction from which you may view or access the Website.
2.4. Super Rewards is a Corporate Authorised Representative of the AFSL holder, Shartru Wealth Management Pty Ltd, AFSL 422409.
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 super fund on the 15th day of the 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 have not provided your TFN to your super fund; if you are not eligible to make non-concessional contributions; or if your super fund is not eligible to receive non-concessional 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. We have a minimum amount for transfer of rewards to your super fund. Your super fund may also 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 our minimum amount, or your super fund’s minimum amount (if higher), we will hold onto your rewards until you have accumulated enough rewards. Please see our Frequently Asked Questions for more information.
3.5. Where we cannot make the payment and it looks like we won’t be able to make it in the future (eg your fund advises us that it cannot receive non-concessional contributions) we will try to contact you and 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. 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.
Terms and Conditions Version 2 |Prepared on: 24 February 2020 |Issued by Super Rewards Pty Limited www.super-rewards.com level 4, 11 York Street NSW 2000 ABN 90 629 681 296
3.7. You acknowledge that any rewards we pay through our super 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.
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.
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 MyAccount, or you can email us at email@example.com 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 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.
5.7. To the extent permitted by law, we will have no liability to you for the cancellation or discontinuance.
6. Unauthorised or Mistaken Transactions
6.1. It is generally not possible to reverse a completed payment made into a superannuation account, even if that payment was made by mistake.
6.2. We use an external payment agent, and cannot reverse any voluntary super contributions made as rewards payments through your Account.
6.3. 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.
6.4. You should also contact your super fund directly if you are concerned about any fraudulent activity on your super account.
7. Prohibited conduct
7.1. You must not:
7.2. 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.
8. Intellectual Property
8.1. The contents of the Website incorporate our intellectual property and you must not copy or reproduce them.
8.2. 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.
8.3. 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.
9.1. 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.
9.2. 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.
9.3. 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.
9.4. 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.
9.5. 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.
9.6. 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.
9.7. The type of remedy we will offer you may vary depending on how long it takes you to make a claim.
9.8. 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.
9.9. 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.
9.10. 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.
9.11. 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.
9.12. All limitations and exclusions set out in these Terms apply to the extent permitted by law.
11.1. If you have a complaint, please contact us at firstname.lastname@example.org to let us know about your concern.
11.2. We will try to resolve your complaint effectively and efficiently in accordance with our complaints handling process, or, if appropriate, refer your complaint to our AFSL holder.
11.3. If your complaint is about financial services, you can also contact the Australian Financial Complaints Authority (AFCA) directly, either straight away, or if you are not happy with the outcome of your discussion with us.
12.1. 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.
12.2. 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.
12.3. 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.
12.4. Your Account will be suspended during the period of any Dispute (unless otherwise required by AFCA for a Dispute relating to financial services).
12.5. Each party must bear its own costs of the mediation (unless otherwise required by AFCA for a Dispute relating to financial services).
12.6. 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.
13.1. 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.
13.2. These Terms may be updated from time to time. You should check the Website for any changes.
13.3. 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.
13.4. 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.
14. Contact us
14.1. Please email us at email@example.com if you have any questions relating to our Terms.
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