Website Terms of Service

Love Cashback Australia

Effective date: 10th September 2025

This document sets out the Terms of Service ("Terms") for the Love Cashback service (“Service”), which includes our website and mobile application. The Service is owned and operated by Love Savings Group Limited, a company registered in the UK (Company Number 11734108).

By accessing, joining, or using the Service, you confirm your acceptance of these Terms and any other policies referenced, including our Privacy Policy.

1. Key Terms and Definitions

To ensure clarity, it is important you understand the following terms before using the Service:

  • Cashback: A reward credited to your account for completing a Qualifying Transaction.
  • Participating Merchant: A third-party retailer or service provider we partner with.
  • Qualifying Transaction: A purchase made with a Participating Merchant that meets the specific conditions to be eligible for Cashback.
  • Commission: The payment we receive from a Participating Merchant for referring your Qualifying Transaction to them.
  • Transaction Status: A transaction is initially Registered. It becomes Pending once the merchant has recorded it, Voided if it is cancelled or refunded, and is considered Approved when we have received the Commission.
  • Voided Transaction: A transaction that is cancelled, returned, fraudulent, or otherwise fails to meet the merchant’s criteria for a Qualifying Transaction. We are not liable for a transaction being voided, as this status is determined and reported by the Participating Merchant or affiliate network.
  • Tracking Failure: Occurs when a transaction cannot be linked to your account, often due to technical issues like ad-blocking software or disabled cookies.

2. Service and Membership

2.1. Eligibility and Account Creation

  • The Service is open to Australian residents aged 18 or older.
  • You are permitted to create and maintain only one personal membership account ("Account"). You may not create an account on behalf of another person, nor allow anyone else to use your Account. Accounts are non-transferable.
  • You must provide a unique and valid email address ("Registered Email Address") that you use regularly. You may also be required to provide a valid mobile phone number ("Registered Phone Number") to enable two-factor authentication (2FA) for enhanced security.
  • You must use a unique password for your Account that is not used for any other service. You are responsible for all activities and transactions conducted using your Account credentials, and we are entitled to assume that anyone using them is you.

2.2. Your Responsibilities and Fair Usage

  • You agree to act honestly and with integrity in all your dealings with us and our partners. You must not act fraudulently, provide misleading information, or attempt to exploit any system errors.
  • You must not share your account details or any internal referral links with others that would allow them to make purchases credited to your account.
  • The Service is intended for your personal, non-commercial use. We have internal systems to monitor for "fair usage" and to prevent fraudulent or abusive activity. We reserve the right to determine, at our sole discretion, what constitutes a violation of our fair usage policy.
  • If we determine that your use of the Service is not in line with, or is in breach of, our fair usage policy, we reserve the right to void any commissions, suspend your account, or terminate your membership without notice.
  • You must not use the Service for any unlawful purpose, including hacking, interfering with our systems, or using automated scripts or programs.
  • You agree to provide accurate and complete personal information as requested, which may be required for legal “Know Your Customer” (KYC) obligations. We will retain a record of this information in accordance with our Privacy Policy.

3. Communications from Us

3.1. Service Notices

By using the Service, you consent to us sending you administrative and service-related communications ("Service Notices"). These may include:

  • Account verification or security alerts.
  • Statements and transaction confirmations.
  • Important updates about the Service or your Account.
  • Information about the closure of our Service.
  • Responses to customer service inquiries.

These communications are essential for the Service to function, and the only way to opt out is to close your account.

3.2. Marketing Communications

When you join, you consent to receiving marketing communications, which may include special offers and commercial messages. This is an optional part of the Service, and you can manage your preferences or opt out at any time through your account settings or as specified in the emails you receive.

4. Offers and Cashback

4.1. Earning Rewards

  • We provide opportunities to earn Cashback on Qualifying Transactions. These rewards are based on the Commission we receive from Participating Merchants for referring you.
  • To be eligible for Cashback, you must initiate the transaction by clicking a designated Activate Cashback link on our platform and complete the purchase in the same session. You must also adhere to any specific Special Offer Terms provided by the merchant.
  • You acknowledge that we are a referral agent and are not responsible for the goods or services provided by third parties, including their price, quality, or availability.

Cashback Calculation and Final Amount

The advertised cashback rate or amount is an estimate provided as a guide only. The final cashback amount is determined by the Participating Merchant and is calculated based on the net transaction value reported to us.

The net transaction value typically excludes certain costs, including:

  • Goods and Services Tax (GST), Value-Added Tax (VAT), or any other sales taxes.
  • Shipping, delivery, or handling charges.
  • Service fees, insurance, or other third-party surcharges.
  • The value of any gift cards or store credit used as a payment method.

The final cashback amount may also be affected by a Participating Merchant’s specific terms, which can include the use of unapproved discount codes, returns, or other exclusions. The final, approved cashback amount will be the figure reported to us by the merchant, and our determination of this amount is final.

For a Qualifying Transaction made in a currency other than AUD, the reward is converted to AUD at the time of the transaction using our daily exchange rate. The pending reward displayed is an approximate value. The final AUD reward amount may be updated to reflect the exchange rate at the time of withdrawal, and may be higher or lower than the approximate pending reward displayed.

4.2. Processing and Crediting Cashback

  • Cashback is credited to your Account once we receive payment of the Commission from the merchant. Your claim for Cashback is automatically submitted when we receive the necessary transaction details.
  • A transaction will appear as Pending in your account and will not be confirmed until the merchant has approved it and we have received our Commission. This process can take several months.
  • We cannot guarantee that a Cashback will be credited to your account, particularly in cases of Tracking Failures, or if we are not paid the Commission for your transaction.
  • If a transaction does not appear in your account, you may submit a missing Cashback claim within 30 days of the transaction date. Claims may be rejected if the transaction cannot be verified or if the merchant does not accept manual claims.

4.3. Ineligibility for Cashback

We will not credit you with cashback, and we may reverse or cancel cashback already credited, or decline a withdrawal request if any of the following has occurred:

  • The transaction is not a Qualifying Transaction.
  • The transaction is identified by the merchant as a Voided Transaction due to reasons such as cancellation, return, or failure to pay.
  • Rewards were credited to your account incorrectly due to human or computer error.
  • Your use of the Service is not in line with, or is in breach of, the Terms of Use, including due to illegal, fraudulent, or dishonest conduct.

5. Redemption of Rewards

5.1. Withdrawal Conditions

  • "Withdrawal" refers to any request for us to pay you your accumulated Cashback.
  • We may impose and change minimum withdrawal limits. To request a Withdrawal, your account must have at least one approved Qualifying Transaction.
  • We may request proof of your identity for account verification and security purposes before processing a Withdrawal. If you do not provide this information to our satisfaction, we may decline your request or suspend your account.

5.2. Anti-Money Laundering (AML)

  • We are subject to laws that prohibit dealing with the proceeds of crime or providing funds for terrorism.
  • You agree that we are not required to process any transaction if we are not satisfied with your identity or if we suspect it may breach these laws. We may delay, block, or refuse to release any funds if required by law.
  • You agree to provide us with any information and documents necessary for us to comply with these laws.

5.3. Funds and Insolvency

  • We do not hold your Cashback funds in a separate trust account. These funds are not segregated from our own.
  • You are not entitled to receive any funds from us until you have a valid, approved Withdrawal request.
  • In the event of our insolvency, you will be an unsecured creditor and may not be able to recover any or all of your outstanding Cashback.

6. Other Terms

6.1. Third-Party Websites and Disclaimers

  • The Service contains links and advertisements for third-party websites. These are not endorsements, and we are not responsible for the content, products, or services of these third parties.
  • We do not guarantee the accuracy of any content, offers, or product descriptions provided by merchants. While we strive for accuracy, we reserve the right to honor our intended offer and not an obvious error.

6.2. Intellectual Property

  • All content on our website and app is owned by us or our licensors and is protected by copyright law. You may not copy, reproduce, or modify this material without our written permission.

6.3. Limitation of Liability and Indemnity

  • To the maximum extent permitted by law, we exclude all warranties and guarantees not expressly stated in these Terms.
  • We are not liable for any indirect or consequential loss, including for:
    • Service unavailability.
    • Unauthorized use of your account (unless due to our negligence).
    • The quality of goods or services purchased from third parties.
    • Any failure of a third party to notify us of a transaction or pay a commission.
  • Nothing in these Terms limits your rights under the Australian Consumer Law. If our liability for a breach of a non-excludable legal term cannot be excluded, it is limited to either resupplying the services or paying the cost of having them supplied again.
  • Notwithstanding the above, our total liability to you, regardless of how many claims are brought, shall be limited to the total value of any Cashback you received during the 12-month period immediately preceding the date on which your claim is brought.
  • You agree to indemnify us against any claims, damages, or costs caused by your illegal, fraudulent, or dishonest conduct or any content you post on our platform.

6.4. Termination

  • We reserve the right to suspend or terminate your membership and account at any time. We may do so immediately and without notice if we believe you have breached these Terms, engaged in illegal or fraudulent conduct, or acted against our business interests.
  • If your account is Dormant (no login or activity for 365 days), we may cancel your Cashback.
  • You may cancel your membership at any time through the "Close my Account" section on our website.
  • If your membership is terminated for any reason, all your Cashback and outstanding payments will be forfeited, and we will have no further obligation to you.

6.5. Refusal of Application

We reserve the right to refuse your application to join the Service again, or cancel any new membership you create, if we have cancelled your membership in the past.

6.6. Cooperation with Law Enforcement

We reserve the right to fully cooperate with any law enforcement authority that lawfully requests your identity or other information regarding your use of the Service.