Rewards Program Terms and Conditions

Effective date: 1 October 2026

1. Definitions and Interpretations

1.1 Definitions

In these Terms:

Account means either a Verified or Unverified Rewards Program account maintained by the Company for a Member.

Company means Cash Converters Pty Ltd (ACN 009 288 804).

Digital Platform means any website, mobile application, customer portal or other digital service made available by the Company in connection with the Program.

Earn Rate means the number of Points that accrue on each Eligible Purchase.

Eligibility Criteria means the requirements set out in paragraph 3.1 that a person must meet to be eligible to participate in the Program as a Member.

Eligible Purchase means an in-store retail purchase at a Participating Location that qualifies for Points under these Terms, excluding any Excluded Purchase.

Excluded Purchase means:

(a) a layby transaction;

(b) the portion of an Eligible Purchase paid for using Points;

(d) any transaction that the Company has notified Members as excluded from time to time; or

(e) any transaction which was subsequently reversed, refunded, or charged back.

Member means an individual who meets all Eligibility Criteria and holds a valid Account.

Misconduct means any of the acts or behaviours listed in Paragraph 10.3.

Participating Location means any Cash Converters store location, physical or digital, advertised by the Company as participating in the Program.

Points means both Standard Points and Promotional Points earnt participating in the Program and credited to a Member's Account.

Program means the Rewards Program operated by the Company.

Promotional Points means points awarded under a specific promotion and identified by the Company as Promotional Points.

Reward means any product or service of the Company which has been advertised or promoted as eligible to be obtained by a Member redeeming Points through participation with the Program.

Standard Points means any Points that are not identified as Promotional Points by the Company accrued by participating in the Program.

Terms means these Terms and Conditions along with any additional terms advertised by the Company in connection with the Program.

Unverified means an Account that has been created but not verified in accordance with paragraph 3.3.

Verified means an Account that has met all verification steps required by the Company in accordance with clause 3.3.

1.2 Interpreting these Terms

1.2.1 Headings are for convenience only and do not affect interpretation. The following rules also apply in interpreting these Terms, except where the context makes it clear that a rule is not intended to apply.

1.2.2 A reference to:

1.2.2.1 legislation (including subordinate legislation) is to that legislation as amended, re-enacted or replaced, and includes any subordinate legislation issued under it;

1.2.2.2 a document or agreement, or a provision of a document or agreement, is to that document, agreement, or provision as amended, supplemented, replaced or novated;

1.2.2.3 a party to these Terms, or to any other document or agreement, includes a permitted substitute or a permitted assign of that party;

1.2.2.4 a person includes any type of entity or body of persons, whether or not it is incorporated or has a separate legal identity, and any executor, administrator, or successor in law of that person; and

1.2.2.5 anything (including a right, obligation, or concept) includes each part of it.

1.2.3 A singular word includes the plural, and vice versa.

1.2.4 A word which suggests one gender includes the other genders.

1.2.5 If a word is defined, another part of speech has a corresponding meaning.

1.2.6 If an example is given of anything (including a right, obligation, or concept), such as by saying it includes something else, the example does not limit the scope of that thing.

1.2.7 Unless otherwise specified, a reference to “$” or “dollars” is a reference to Australian currency.

1.2.8 The word “agreement” includes an undertaking or other binding arrangement or understanding, whether in writing or not.

1.2.9 The words “subsidiary”, “holding company”, and “related body corporate” have the same meanings as set out in the Corporations Act 2001 (Cth).

1.2.10 No rule of construction will apply in the interpretation of these Terms to the disadvantage of one party on the basis that such party put forward or drafted these Terms or any provision of these Terms.

2. Agreement to Terms and Conditions

2.1 By requesting an Account be created, Verifying an Account, or by participating in the Program, you agree to be bound by these Terms.

3. Membership and Accounts

3.1 Eligibility

3.1.1 To be eligible for Membership and to hold an Account, a person must at all times:

be an individual over the age of 18;
be a resident in Australia;
not previously held an Account which was terminated for Misconduct by the Company; and
meet any other requirements that the Company may have prescribed.

3.2 Account Creation

3.2.1 A person may create an Account by:

requesting an Account be created for them at any Participating Location; or
through a Digital Platform.

3.2.2 The Customer agrees to provide all information requested by the Company to create an Account.

3.2.3 Membership and Accounts are offered at the Company’s discretion. The Company has the right to accept or reject any application for Membership or an Account.

3.3 Account Verification

3.3.1 At the time of creation, an Account is Unverified.

3.3.2 An Account will remain Unverified until the associated Member completes the verification process required by the Company.

3.3.3 The Company may refuse, suspend or restrict access to an Account or participation in the Program until an Account has been Verified.

3.3.4 The Company may at any time request information or documentation reasonably required to re-Verify a Member's identity, Account, entitlements, or compliance with these Terms.

3.3.5 The Company may restrict or demote an Account to Unverified status or suspend Accounts where the Member does not provide the requested information under paragraph 3.3.4 after no less than thirty (30) days since the request.

3.4 One Account Per Member

3.4.1 A Member may only hold one Account at any given time.

3.4.2 The Company may merge, suspend, close or remove Accounts that it reasonably suspects are duplicate Accounts.

3.4.3 The Company may merge, void, reduce, or vary any Points associated with duplicate Accounts.

3.5 Accurate Information

3.5.1 Members are responsible for ensuring their Account contact details and information remain accurate and up to date.

3.6 Digital Platform

3.6.1 The Company may make available one or more digital platforms for the participation in, and administration and operation of the Program, including websites, mobile applications, customer portals or other digital services.

3.6.2 The Company may require customers or Members to register for, access or use a Digital Platform to complete verification, access an Account, view Points balances, access a digital membership card, redeem Points or access Program features or benefits.

3.6.3 The availability, functionality and use of a Digital Platform may be subject to separate terms and conditions as notified by the Company from time to time.

3.7 Account Closure by Customer

3.7.1 A Member may at any time request their Account be closed.

3.7.2 Where a Member requests an Account closure, any unredeemed Points associated with that Account shall be voided and unredeemable as and from the time that the Account is closed regardless of any expiry date.

3.7.3 Points lost in this manner may not be recovered.

3.8 Account Closure by Company

3.8.1 Where the Company closes an Account for any reason other than for Misconduct, to the extent practical to do so, the Company will provide thirty (30) days prior notice in which the Member’s points will remain valid and redeemable.

4. Program Communications

4.1 Members agree to be contacted by the Company using the contact details provided by them in relation to the administration, operation, and marketing of the Program, and notifications regarding their Account.

4.2 Members may opt out of any marketing communications at any time.

5. Points

5.1 Earning Rate

5.1.1 Members earn Standard Points on Eligible Purchases at the rate published on the Company’s website here from time to time.

5.2 Crediting Points

5.2.1 The Company crediting Points to the Members Account is subject to:

the transaction being an Eligible Purchase;
the dollar value of the Eligible Purchase being at least $0.50;
the Members Account being in good standing;
the Customer producing evidence of their Account in the manner required by the Company at the time the transaction is made;
the transaction, Member, or Account not being in breach of these Terms.

5.2.2 At any time where any of the above is not met, the Company is not obliged to credit the Member’s Account with any Points.

5.3 Rounding

5.3.1 When calculating the amount of Points to credit a Member, the dollar value of Eligible Purchase will be rounded to the nearest whole dollar.

5.3.2 Values ending in fifty cents ($0.50) or more will be rounded up to the next whole dollar and amounts ending in forty nine cents ($0.49) or less will be rounded down to the previous whole dollar.

5.4 Allocation Times

5.4.1 Points will be allocated to the Member's Account within seven (7) days of the Eligible Transaction being confirmed as complete.

5.5 Promotional Points

5.5.1 Promotional Points may be offered under specific promotions as determined and advertised by the Company from time to time.

5.5.2 Promotional Points may accrue in addition to, or instead of Standard Points, subject to the individual promotional terms advertised by the Company.

5.5.3 Unless otherwise specified by the Company, Promotional Points are subject to these Terms.

5.6 Changes to Earn Rates

5.6.1 The Company may vary the rate at which Points are earnt at any time by providing not less than thirty (30) days prior notice to Members.

5.6.2 Points already earned prior to the effective date of the variation will not be affected, unless the Company considers it reasonable to do so for the Members benefit.

5.7 Reinstatement of Points

5.7.1 The Company may reinstate Points where the loss was a result of:

fraud or Misconduct not committed by the Member;
third-party system failures;
error; or
where the Company reasonably considers it appropriate to do so for the Member’s benefit.

5.7.2 The expiry date for any reinstated Points will be the longer of either the original expiry date, or twenty eight (28) days from the date of reinstatement.

5.7.3 Save for the expiry date, reinstated Points will be reinstated with the same characteristics as when they were at the time of the loss.

6. Redeeming Points

6.1 Redemption Value

6.1.1 Members with Verified Accounts may redeem Points for a Reward at the rate and manner published on the Company’s website here from time to time.

6.2 Redeeming Points

6.2.1 The redemption of Points is subject to:

the minimum points threshold being met;
the dollar value of the transaction being at least $1.00;
the transaction being an Eligible Purchase;
the Members Account being Verified and in good standing;
the transaction, Member, or Account not being in breach of these Terms;
the Customer producing evidence of their Account in the manner requested by the Company at the time of the transaction; and
any additional conditions for redemption as advertised by the Company.

6.2.2 Where any of the above is not met, the Company is not obliged to allow the Member to redeem any Points or receive the Reward.

6.3 Changes to Redemption Rates

6.3.1 The Company may vary the rate at which Points are redeemed at any time by providing not less than thirty (30) days prior notice to Members.

6.4 Minimum Point Threshold

6.4.1 The minimum amount of Points a Member must redeem per transaction is one hundred (100) Points.

6.4.2 After the minimum redemption threshold is met, Points may be redeemed in one (1) Point increments.

6.5 Maximum Point Redemption

6.5.1 The Company may notify Members and impose a maximum limit for the amount of Points a Member may redeem on any single transaction.

6.6 Refusal of Redemption

6.6.1 The Company may delay, refuse, reverse or cancel a redemption request where it reasonably suspects the request is:

unauthorised;
fraudulent;
made in the furtherance of Misconduct;
suspicious;
erroneous; or
in breach, or likely to breach these Terms.

6.7 Cash for Points

6.7.1 Points have no monetary value.

6.8 No Transfers

6.8.1 Members may not sell, trade, or transfer their Account or Points to other Members or third-parties without the express permission of the Company.

6.9 Order of Redemption

6.9.1 On redemption the Company, unless specified, will redeem Points closest to expiry first.

6.10 Removal of Redemption Points

6.10.1 Redeemed Points will be removed from the Member's Account within seven (7) days of the Eligible Transaction being confirmed as complete.

7. Point Expiry

7.1 Point Expiry

7.1.1 Points, unless specified elsewhere, will expire no less than six (6) months from the month the Eligible Purchase occurred.

7.1.2 Expired Points are void and not redeemable for Rewards.

7.2 Expiry Processing

7.2.1 Expired Points will be automatically removed from a Member's Account.

7.3 Expiry Notifications

7.3.1 The Company will provide expiry reminders or notifications to Members.

7.3.2 Failure to receive a reminder or notification does not prevent Points from expiring.

8. Refunds, Returns and Exchanges

8.1 Earned Points

8.1.1 If an Eligible Purchase is refunded, exchanged, reversed, cancelled or otherwise adjusted, the Company may reverse or deduct Points associated with that transaction.

8.2 Negative Balances

8.2.1 Where any adjustment to a Member's Account would result in a negative Points balance, the Company may:

deduct the value of any redeemed rewards or Points from any refund otherwise payable to the Member;
create a negative Points balance on the Member's Account;
offset the negative balance against future Points earned by the Member; or
take any combination of these actions.

8.3 Redeemed Points

8.3.1 The Company may reinstate any portion of Points attributable to refunded goods or services.

8.4 Mixed Tender Transactions

8.4.1 Where a purchase has been paid using multiple tender types, the Company may determine how any refund, reversal, adjustment or Points reinstatement is allocated between the tender types used for the original transaction.

9. Error Correction and Adjustments

9.1 Correction Rights

9.1.1 The Company may correct any error relating to the allocation, crediting, deduction, redemption, expiry, reinstatement, cancellation or adjustment of Points.

9.2 Recovery of Benefits

9.2.1 The Company may reverse or recover any Points, rewards, benefits or value obtained as a result of an error, system malfunction, incorrect transaction or otherwise as it considers appropriate.

9.3 Notification

9.3.1 The Company will notify a Member of adjustments made to the Members Account.

10. Misconduct

10.1 Purpose of the Program

10.1.1 The Program is intended to recognise and reward genuine participation in the Company's products and services.

10.2 Prohibited Conduct

10.2.1 A Member must not:

Engage in any conduct that breaches or is reasonably likely to breach these Terms, any additional terms, or the terms of any promotions or conditions advertised by the Company;
Engage in any other unacceptable conduct against the Company, its employees, or its property;
Engage in any illegal, fraudulent, or dishonest conduct in relation to the Program;
Utilise their Account or the Program for any commercial endeavour including arbitrage, bulk purchasing, resale activities, or any other activity inconsistent with the intended purpose of the Program;
Provide false information to obtain or Verify an Account or duplicate Accounts; or
Engaged in conduct, which in the Company’s reasonable opinion, is an abuse, misuse, or unintended purpose of the Program.

10.3 Investigation of Misconduct

10.3.1 The Company may suspend or restrict Accounts and Members from either accruing or redeeming Points where it reasonably suspects any Misconduct has or is reasonably likely to occur.

10.3.2 The Company will endeavour to provide notice to the Customer following suspension or restriction as soon as possible.

10.3.3 The Company will undertake an investigation where it has suspended or restricted Accounts or Members.

10.3.4 Members agree to provide all requested information that the Company reasonably needs to investigate.

10.3.5 The Company shall provide notice to the Member of any update or outcomes of the investigation.

11. Account and Membership Termination

11.1 Where:

Following an investigation in accordance with paragraph 10.3, the Company has formed the view the Member or their Account has been involved in Misconduct; or
The Member has failed to provide the information requested by the Company as part of its investigation in paragraph 10.3 after a reasonable period of time, no less than 60 days from the request.

The Company may do any of the following:

close, suspend, restrict, or otherwise impose any additional terms onto the Account;
ban, suspend, or prohibit the Member from participating in the Program or holding any Accounts; or
remove any Points associated or linked with the Misconduct.

12. Program Changes

12.1 Variations

12.1.1 The Company may vary these Terms and the Program from time to time including to:

reflect changes in laws or regulatory requirements;
address fraud, vulnerabilities, or system errors; or
reflect changes to the Program including:
- modify earning rules;
- modify redemption rules;
- modify verification requirements;
- introduce or remove benefits; and
- introduce or remove eligible purchases.

12.2 Notice Period

12.2.1 The Company will provide Members no less than thirty (30) days notice of any material changes to these Terms unless the changes are required to:

address any changes in laws;
address the Company’s obligations at law; or
address urgent vulnerabilities that impact the integrity of the Program.

12.2.2 In the above circumstances, the Company will endeavour to provide as much notice to Members as reasonably possible.

12.3 Effective Date of Changes

12.3.1 Any material changes to these Terms or the Program will become effective on the date specified by the Company.

12.4 Accepted of Variation

12.4.1 Following the effective date of any variation, all Members who retain Accounts and continue to participate in the Program will be taken to have accepted the varied terms.

13. Point Limits

13.1 The Company may impose and vary limits to Points balances, earning, or redemptions. Where a change or limit is imposed not due to address Misconduct, and where reasonable to do so, the Company will provide thirty (30) days prior notice to Members.

14. Death of a Member

14.1 Membership is personal and non-transferable.

14.2 Upon the death of a Member, membership terminates and all unredeemed Points are voided.

15. Data Collection and Privacy

15.1 The Company collects, uses and discloses personal information in connection with the Rewards Program in accordance with its Privacy Policy (found here) and the Privacy Act 1988 (Cth).

15.2 By enrolling in the Rewards Program, the member consents to the Company:

collecting transaction data to calculate and allocate Points;
using member data to personalise Program communications and offers;
sharing data with third-party’s solely to the extent necessary to fulfil a Reward; and
using aggregated, de-identified data for program analytics and improvement.

15.3 The Company will not sell member personal information to third parties.

15.4 Members may access, correct or request deletion of their personal information in accordance with the Privacy Policy.

16. Liability

16.1 To the maximum extent permitted by law, the Company’s total liability to a Member in connection to the Program is limited to the lesser of:

the face value of any Points held in a Member’s Account at the time the claim arise, calculated at the published redemption rate; or
two thousand dollars ($2,000).

16.2 The Company is not liable for:

lost Points due to circumstances outside of the Company’s control;
third-party platform failures;
force majeure events;
delays in processing transactions;
system outages;
program interruptions; or
any loss suffered as a result unauthorised access resulting from failure by a Member to protect Account credentials.

16.3 Nothing in these Terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition, implied or imposed by the ACL that cannot lawfully be excluded or limited.

17. Indemnity

17.1 The Member indemnifies the Company against any loss, damage, cost or liability (including reasonable legal costs) arising from:

the Members fraud or wilful misconduct in connection with their use of the Program;
the Members breach of these Terms;
any claim by a third party arising from the Members misuse of the Points or Program.

17.2 The indemnity does not apply to the extent that the loss or damage is caused or contributed to by the Company’s negligence or breach of these Terms.

18. Termination or Suspension of the Program

18.1 Immediate Suspension

18.1.1 The Company may suspend the Program without notice where:

it reasonably suspects widespread Misconduct, involving multiple Accounts is occurring;
it is required to do so to address any laws or regulations; or
a system error or fault has been identified that impacts the integrity of the Program.

18.1.2 Following any suspension of the Program, the Company will notify Members as soon as reasonably practical.

18.1.3 During any suspension of the Program, Points may not be earnt or redeemed.

18.2 Termination

18.2.1 The Company provides no warranty as to the continuing availability of the Program and may terminate the Program at any time.

18.3 Notice

18.3.1 Prior to any termination, or suspension for reasons other than the reasons outlined in paragraph 18.1, the Company will use reasonable endeavours to provide the Members as much notice as possible and in any event not less than thirty (30) days.

18.4 Use of Points During Notice

18.4.1 Points will continue to be redeemable during any notice period however will become void immediately upon the termination date.

18.5 Immediate Termination

18.5.1 Where the Company ceases operating as a business or has gone into liquidation or any form of administration, the Program may terminate immediately without notice and all Points expire.

19. General

19.1 Severability

19.1.1 If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions remain in full force and effect.

19.2 Governing Law

19.2.1 These Terms are governed by the laws of the State or Territory in which the Company operates and any applicable laws of Australia.

19.3 No Provision of Financial Services

19.3.1 The Program is not a financial product or financial service for the purposes of the Corporations Act 2001 (Cth) or the National Consumer Credit Protection Act 2009 (Cth).

19.3.2 Points and Rewards do not constitute a deposit, investment, credit facility or financial instrument.

19.3.3 Where a Member earns Points in connection with a credit product offered by the Company, the earning of Points does not form part of the credit contract and is not a credit fee or charge for the purposes of the NCCP Act. The Program may be varied or terminated independently of any credit contract.

19.3.4 Nothing in these Terms constitutes financial advice.

19.4 Disputes

19.4.1 In the event of a dispute, the parties agree to:

first attempt to resolve the dispute by written notice to the Company’s customer relations team at complaints@cashconverters.com
if unresolved within 30 days, escalate to a senior representative of the Company; and
if still unresolved, refer the dispute to mediation before commencing legal proceedings, unless urgent injunctive relief is required.

19.4.2 Nothing in this clause prevents a Member from lodging a complaint with the ACCC, ASIC, the Australian Financial Complaints Authority (AFCA) or any other relevant regulator.

19.5 Entire Agreement

19.5.1 These Terms, together with any additional Promotional Points terms, additional terms advertised by the Company, and any other policy of the Company, constitute the entire agreement between the Company and the Member in respect of the Program.

19.5.2 These Terms do not exclude or limit any representation made by the Company in its marketing materials or communications about the Program to the extent that such a representation was relied upon the Member in enrolling.