Terms & Conditions - Love Cashback

Effective Date: 11 November 2025

Love Cashback Platform
Operated by Love Savings Group Limited
Company Number: 11734108
Registered Office: 124 City Road, London, EC1V 2NX, United Kingdom

IMPORTANT NOTICE

Please read these Terms of Use carefully before using the Love Cashback platform. By creating an account, accessing our website at www.lovecashback.com.au, or using any of our mobile applications, browser extensions, or related services (collectively, the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms" or "Agreement").

If you do not agree to these Terms, you must discontinue use of the Platform immediately.

Consumer Rights Notice: As a consumer in Australia, you have certain rights under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) that cannot be excluded, restricted, or modified by contract. Nothing in these Terms affects your statutory rights, including your consumer guarantee rights.

ARTICLE 1: DEFINITIONS AND INTERPRETATION

1.1 Definitions

For purposes of this Agreement:

"Account" means your registered user profile on the Platform.
"ACL" means the Australian Consumer Law, being Schedule 2 of the Competition and Consumer Act 2010 (Cth).
"ACCC" means the Australian Competition and Consumer Commission.
"Affiliate Network" means third-party intermediaries that facilitate commission payments between merchants and the Platform.
"AML/CTF Act" means the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
"Approved Balance" means Rewards that have been validated by the merchant and credited to your Account as available for withdrawal.
"Qualifying Transaction" means a Tracked Transaction that meets all eligibility requirements, including: (a) the transaction was initiated by you personally clicking an activation link on the Platform, (b) the purchase was completed in the same browsing session, (c) only one transaction per browsing session is eligible, and (d) any applicable Special Terms were satisfied.
"Cashback" or "Rewards" means commission-based rebates earned through qualifying purchases.
"Consumer" means a person acquiring goods or services for personal, domestic, or household use or consumption, as defined in the ACL.
"GST" means goods and services tax under the A New Tax System (Goods and Services Tax) Act 1999 (Cth).
"Merchant" means any retailer, service provider, or business participating in the Platform's cashback program.
"Minimum Threshold" means the minimum account balance required to request a withdrawal, currently twenty Australian dollars (AUD $20.00).
"Payable Balance" means Approved Balance that has been funded by the merchant or Affiliate Network and is eligible for withdrawal.
"Pending Rewards" means tracked transactions awaiting merchant validation.
"Platform" means all websites, mobile applications, browser extensions, and services operated by Love Savings Group Limited under the Love Cashback brand for the Australian market.
"Privacy Act" means the Privacy Act 1988 (Cth).
"Special Terms" means merchant-specific conditions, exclusions, or requirements applicable to individual offers.
"Tracked Transaction" means a purchase identified by the Platform's affiliate tracking technology.
"We," "us," "our," or "Love Cashback" means Love Savings Group Limited.
"You" or "your" means the individual user of the Platform.

1.2 Interpretation

Headings are for convenience only. References to sections include subsections. Singular includes plural and vice versa. "Including" means "including without limitation." All monetary amounts are in Australian dollars (AUD) unless otherwise specified. References to legislation include any amendments, re-enactments, or replacements.

1.3 Consumer Contracts

These Terms constitute a contract for the supply of services. Where you acquire the services for personal, domestic, or household use (not for business purposes), you are a consumer and the consumer guarantees under the ACL apply to this contract and cannot be excluded, restricted, or modified.

ARTICLE 2: ACCEPTANCE AND MODIFICATIONS

2.1 Binding Agreement

These Terms constitute a legally binding contract between you and Love Savings Group Limited. Additional policies including our Privacy Policy and Cookie Policy are incorporated by reference and form part of this Agreement.

2.2 Amendments

We may modify these Terms from time to time. Material changes will be communicated to you at least thirty (30) days in advance via email or in-platform notification. Changes become effective on the date specified in the notice. If you object to any modification, you may close your Account in accordance with Article 5 before the changes take effect. Your continued use of the Platform following the effective date of changes constitutes acceptance of the revised Terms.

2.3 Consumer Rights on Modification

If we make material changes that significantly reduce your rights or increase your obligations, you have the right to terminate this Agreement without penalty before the changes take effect. You will retain the right to withdraw any Payable Balance meeting the Minimum Threshold. Any modification that purports to exclude, restrict, or modify your consumer guarantee rights under the ACL is void to the extent of that exclusion, restriction, or modification.

2.4 Additional Terms

Certain features, promotions, or merchant offers may be subject to Special Terms. Where Special Terms conflict with these Terms, the Special Terms shall govern solely with respect to that specific feature or offer, provided such Special Terms do not diminish your rights under the ACL.

ARTICLE 3: ELIGIBILITY AND REGISTRATION

3.1 Age and Residency Requirements

To register an Account and receive Rewards, you must:

Be at least eighteen (18) years of age;
Be a legal resident of Australia;
Possess legal capacity to enter into binding contracts under Australian law.

3.2 Account Limitations

Each individual may maintain only one (1) Account. Creation of multiple accounts is prohibited and may result in suspension or termination of all associated accounts, subject to your right to withdraw any legitimately earned Payable Balance.

3.3 Restricted Jurisdictions

We may deny or restrict access to users located in jurisdictions subject to Australian economic sanctions under the Autonomous Sanctions Act 2011 (Cth), Charter of the United Nations Act 1945 (Cth), or where Platform operation would violate local law or pose elevated legal or financial risk.

3.4 Account Registration

During registration, you must provide accurate, current, and complete information. Under the ACL, it is unlawful to make false or misleading representations. You agree to maintain and promptly update your Account information. Provision of false, misleading, or outdated information may result in Account suspension or termination.

3.5 Account Security

You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorised use of your Account. We are not liable for losses resulting from unauthorised access unless caused by our breach of duty or negligence.

3.6 International Access

While individuals outside Australia may access the Platform for informational purposes, only Australian residents with a valid Australian bank account (BSB and account number) or Australian PayPal account are eligible to earn and withdraw Rewards.

3.7 Cooling-Off Period

If you register for an Account as a result of unsolicited contact (such as telemarketing), you may have cooling-off rights under the ACL. If you believe such rights apply, please contact us immediately.

ARTICLE 4: HOW THE PLATFORM OPERATES

4.1 Commission-Based Model

Love Cashback operates as an affiliate marketing platform. When you complete a qualifying purchase through a tracked merchant link, that merchant or its Affiliate Network pays us a commission. We share a portion of that commission with you as Rewards.

4.2 No Guarantee of Commission

We do not guarantee that any particular transaction will result in commission payment or that the transaction will be a Qualifying Transaction. Commission rates, tracking success, and payment depend entirely on merchant policies, technical factors, and third-party systems beyond our reasonable control. This does not affect your consumer guarantee rights in relation to the Platform service itself.

4.3 Merchant Relationships

We maintain independent relationships with merchants and Affiliate Networks. We are not an agent, employee, or representative of any merchant. Merchants may modify or terminate their participation in the Platform at any time without notice.

4.4 Offer Display

We make reasonable efforts to ensure rates displayed are accurate at the time of publication. However, rates are subject to change without notice by the merchant or affiliate network. In accordance with the ACL, we will not engage in misleading or deceptive conduct regarding offer information. All rates are shown in Australian dollars unless otherwise specified.

4.5 GST Treatment

Cashback rewards are calculated based on the commission we receive from merchants. Depending on merchant policies, commissions may be calculated on GST-inclusive or GST-exclusive amounts. The specific calculation method varies by merchant and is not within our control. For tax purposes, you should seek advice from a qualified tax advisor or the Australian Taxation Office (ATO) regarding the tax treatment of cashback rewards.

ARTICLE 5: ACCOUNT MANAGEMENT

5.1 Account Maintenance

You must maintain a valid email address and accept essential service communications related to Account security, policy changes, and legal notices. While you may opt out of marketing communications at any time in accordance with the Spam Act 2003 (Cth), transactional and legal notifications are necessary for the performance of our contract.

5.2 Inactive Accounts

Accounts with no login activity for twelve (12) consecutive months are considered inactive. We may, after providing you with at least sixty (60) days' advance notice to your registered email address, assess a reasonable monthly maintenance fee against inactive Accounts. The fee amount will not exceed AUD $3.00 per month and will be clearly disclosed in the notice.

5.3 Account Suspension

We may temporarily suspend your Account if:

We reasonably suspect fraudulent activity or material Terms violations;
Your Account information is materially inaccurate or incomplete;
Required identity verification is pending;
We receive a court order or legal process requiring suspension;
Technical or security issues necessitate suspension for the protection of the Platform or other users.

We will notify you of the suspension and the reasons for it unless prohibited by law. During suspension, you cannot earn new Rewards or request withdrawals. Suspension does not affect your right to legitimately earned Payable Balance once the suspension is resolved.

5.4 Voluntary Account Closure

You may request Account closure at any time by contacting customer support. Before processing closure, we will:

Display your current Approved Balance;
Display any Pending Rewards;
Provide you with a reasonable opportunity to withdraw any Payable Balance meeting the Minimum Threshold.

5.5 Treatment of Balances Upon Closure

Upon Account closure:

Payable Balance ≥ Minimum Threshold: You will be given a reasonable opportunity (at least 30 days) to withdraw this balance before closure is finalised.
Approved Balance < Minimum Threshold but > $0: You will be offered options including: (a) waiting until the balance reaches the Minimum Threshold, (b) accepting the balance as a gift card if available, or (c) donating to a registered Australian charity. In accordance with Australian consumer law principles, we will make reasonable efforts to facilitate payment of small balances where practicable.
Pending Rewards: Pending Rewards that have been properly tracked will continue to be processed for a reasonable period (at least 90 days). Once validated and approved by the merchant, you will be notified and given a reasonable opportunity to claim such amounts.
Zero Balance: Closure is processed promptly.

5.6 Data Handling Post-Closure

Following Account closure, personal information is handled in accordance with our Privacy Policy and the Privacy Act 1988 (Cth), including the Australian Privacy Principles. We will retain your personal information only for as long as necessary to comply with legal obligations (including tax, accounting, and anti-money laundering requirements under the AML/CTF Act). We may retain anonymised data for statistical and business analysis purposes.

5.7 Finality of Closure

Account closure is generally permanent. However, if merchant payments arrive within ninety (90) days of closure for transactions completed before closure, we will make reasonable efforts to contact you and facilitate payment if the amount meets the Minimum Threshold or can be aggregated with other payments to meet that threshold.

5.8 Involuntary Termination

We may terminate your Account for:

Material breach of these Terms that you fail to remedy within fourteen (14) days of written notice;
Fraudulent or illegal activity;
Serious or repeated violations that materially harm our business relationships;
Interference with Platform security or operation;
Other reasonable cause, following notice where practicable.

Upon involuntary termination for cause, you retain the right to withdraw any Payable Balance that was legitimately earned prior to the conduct giving rise to termination. Rewards associated with fraudulent transactions will be forfeited.

5.9 Consumer Protection on Termination

Termination does not affect your accrued rights under the ACL or other consumer protection legislation, or any remedies available to you for our breach of these Terms prior to termination.

ARTICLE 6: EARNING REWARDS

6.1 Qualifying Transactions

To earn Rewards, you must:

Access the merchant's website by clicking through a tracked link provided by the Platform;
Complete your purchase in a single, uninterrupted browsing session immediately following click-through;
Enable cookies and not use ad-blocking software, VPNs, private/incognito browsing modes, or other technologies that materially interfere with tracking;
Not use any other cashback service, affiliate link, coupon extension, or referral link during the same session;
Complete the transaction while the offer is active and before any stated expiration;
Comply with all merchant terms of sale and any Special Terms applicable to the offer.

6.2 Tracking Technology

Rewards tracking relies on cookies, pixels, device identifiers, and third-party affiliate tracking systems. Our use of such technologies complies with the Privacy Act 1988 (Cth) and the Spam Act 2003 (Cth). Tracking may fail due to:

User browser settings or privacy tools;
Merchant technical issues;
Affiliate Network errors;
Network connectivity problems;
Use of promotional codes not provided by the Platform;
Multiple devices or browsers during a single transaction;
Cart abandonment followed by later purchase without re-clicking.

We are not responsible for tracking failures caused by factors outside our reasonable control, but we will make reasonable efforts to investigate tracking issues you report in accordance with our missing cashback claims procedure.

6.3 Excluded Transactions

The following transactions do not qualify for Rewards unless expressly stated:

Purchases of gift cards, store credit, or cash equivalents;
Transactions using unauthorised coupon codes;
Orders cancelled or returned by you or the merchant;
Purchases made for commercial resale or business purposes;
Orders flagged as fraudulent by the merchant or payment processor;
Transactions completed without proper tracking;
Purchases violating merchant terms of service;
Purchases of tobacco products or other restricted items where prohibited by law.

6.4 Reward Statuses

Rewards progress through the following statuses:

Tracked: Click detected and transaction recorded but not yet validated by the merchant.
Pending: Merchant has acknowledged the transaction but commission payment has not been received.
Approved: Merchant has approved the transaction, commission has been received, and the Reward is eligible for withdrawal.
Paid: Reward has been withdrawn from your Account.
Void: Transaction did not qualify under merchant terms or was rejected by the merchant.
Reversed: Previously approved Reward has been reclaimed due to return, cancellation, or merchant chargeback.

6.5 Validation Timeline

Merchants typically validate transactions within thirty (30) to ninety (90) days, though timelines vary by merchant. Some merchants require significantly longer validation periods. We will provide you with information about expected validation timeframes where available. Rewards remain Pending until merchant validation. We will notify you when Rewards are Approved or Void.

6.6 Commission Receipt

Rewards become Payable only after we receive commission payment from the merchant or Affiliate Network. Merchants may delay payment or decline payment if they determine a transaction does not qualify under their terms. We have no control over merchant validation or payment decisions but will make reasonable efforts to follow up on Pending Rewards where appropriate.

6.7 Transparency and Good Faith

In accordance with the ACL and principles of good faith dealing, we will:

Provide clear information about how Rewards are earned;
Update your Account promptly when we receive information from merchants;
Investigate tracking issues you report in good faith;
Not engage in misleading or deceptive conduct regarding Rewards.

ARTICLE 7: SPECIAL OFFER TERMS

7.1 Merchant-Specific Conditions

Individual offers may include Special Terms such as:

Product category exclusions;
Minimum purchase requirements;
Maximum cashback limits;
Geographic restrictions;
New customer requirements;
Coupon code restrictions;
Limited-time availability.

7.2 User Responsibility

You are responsible for reviewing Special Terms before completing a transaction. Special Terms are displayed on the relevant offer page in a clear and accessible manner. Failure to comply with Special Terms may result in the merchant declining the transaction for Rewards.

7.3 Changes to Offers

Merchants may modify or terminate offers. We will make reasonable efforts to update offer information promptly. The terms displayed at the time of your click-through govern your transaction, provided the transaction is properly tracked and completed during the offer period.

7.4 Australian Consumer Law Compliance

In accordance with the ACL, we will not engage in misleading or deceptive conduct regarding offers. If we become aware that offer information is materially inaccurate, we will correct it promptly. If you have reasonably relied on materially inaccurate information to your detriment, please contact us and we will address the matter fairly.

ARTICLE 8: PAYMENTS AND WITHDRAWALS

8.1 Minimum Threshold

You may request withdrawal when your Payable Balance equals or exceeds the Minimum Threshold of twenty Australian dollars (AUD $20.00). Any increase to the Minimum Threshold will require sixty (60) days' advance notice and will not apply to Rewards already Approved at the time of notice.

8.2 Payment Methods

Withdrawals may be processed via:

Direct credit to an Australian bank account (BSB and account number);
PayPal transfer to an Australian PayPal account;
Electronic gift cards;
Charitable donation to Australian-registered charities (with Deductible Gift Recipient status where applicable);
Other methods offered from time to time.

8.3 Payment Information

You must provide accurate payment details. We are not responsible for:

Delays or failures caused by incorrect information you provide;
Reasonable fees charged by third-party payment processors or banks;
Currency conversion fees;
Failed payments due to closed or restricted recipient accounts.

However, we will not charge you excessive or unreasonable fees for payment processing.

8.4 Processing Time

Withdrawal requests are typically processed within fourteen (14) business days of approval. Delays may occur due to:

Verification requirements;
Bank or payment processor schedules;
Technical issues;
Anti-money laundering or fraud prevention checks.

We will notify you if your withdrawal will be materially delayed and provide an explanation where practicable.

8.5 Verification Requirements

We may require identity verification before processing withdrawals to comply with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act). Verification may include:

Government-issued photo identification (e.g., Australian driver licence, passport);
Proof of address (e.g., utility bill, bank statement);
Tax File Number (TFN) for tax reporting purposes where required;
Additional information for large payment amounts or unusual activity patterns.

We will process verification requests promptly and in accordance with privacy principles. Information collected will be handled in accordance with the Privacy Act 1988 (Cth). If you do not provide requested documentation within thirty (30) days, we may decline the withdrawal request, but your Payable Balance will remain available for future withdrawal attempts.

8.6 Payment Failures

If a payment fails due to incorrect information you provided, we may assess a reasonable reprocessing fee not to exceed five Australian dollars (AUD $5.00), representing our actual costs. We will notify you of failed payments and provide an opportunity to correct the information.

8.7 Tax Responsibility

You are responsible for any tax obligations arising from Rewards received. The tax treatment of cashback rewards under Australian tax law may depend on your individual circumstances. We may be required to provide information to the Australian Taxation Office (ATO) regarding payments. We strongly recommend consulting a qualified tax advisor or the ATO regarding your specific situation. We do not provide tax advice.

8.8 Currency

All transactions are processed in Australian dollars (AUD). If you select a payment method that requires currency conversion, you may incur conversion fees charged by your bank or payment provider.

ARTICLE 9: GIFT CARD REDEMPTIONS

9.1 Availability

Gift card options are subject to change based on third-party partner availability. We will make reasonable efforts to maintain a variety of gift card options suitable for Australian consumers.

9.2 Terms and Limitations

Gift cards are subject to:

Issuer terms and conditions;
Expiration dates set by the issuer (subject to applicable consumer protection regarding expiry dates);
Usage restrictions imposed by the issuer;
Delivery delays caused by issuer or delivery systems.

9.3 Consumer Guarantees

Under the ACL, gift cards must be of acceptable quality and fit for purpose. If a gift card is not delivered, is defective, or the issuer fails to honour it through no fault of yours, please contact us immediately. We will investigate and, where appropriate and in accordance with the ACL, provide a remedy which may include a refund, replacement, or compensation.

9.4 Refund Rights

Gift card redemptions are generally final once the gift card code is delivered and functions as described. However, your consumer guarantees under the ACL apply, and we cannot contract out of these guarantees.

9.5 Identity Verification

To prevent fraud and comply with the AML/CTF Act, we may require identity verification before processing gift card redemptions, particularly for high-value cards. Verification requirements will be reasonable and proportionate.

ARTICLE 10: ADJUSTMENTS AND REVERSALS

10.1 Error Correction

We may correct Reward amounts resulting from:

Technical errors or system malfunctions;
Obvious pricing or calculation mistakes;
Incorrect commission data from merchants or Affiliate Networks;
Duplicate tracking or crediting.

Where a manifest error has resulted in an excessive Reward being credited, we will notify you of the error and the correction. In accordance with principles of fairness and good faith, you will not be required to repay amounts already withdrawn unless the error resulted from fraud or dishonesty on your part, or you knew or ought reasonably to have known that the amount was incorrect.

10.2 Merchant Clawbacks

If a merchant or Affiliate Network reverses commission payment for legitimate reasons, including:

Product returns or cancellations;
Chargebacks or payment disputes;
Determination that the transaction did not qualify under merchant terms;
Fraudulent transactions;

We may reverse the corresponding Reward. We will notify you of reversals and provide an explanation. If the Reward has already been withdrawn, we may deduct the amount from future Rewards.

10.3 Negative Balances

If reversals result in a negative balance, we may request repayment or offset the amount against future Rewards. However, we will act reasonably and will not pursue repayment where:

The reversal resulted primarily from merchant error rather than your breach of Terms;
You acted in good faith and reasonably believed you were entitled to the Reward;
The amount is small (less than AUD $10.00);
Pursuing repayment would be unreasonable in the circumstances.

10.4 Timing of Adjustments

Adjustments will be made as soon as reasonably practicable after we become aware of the need for adjustment. We will notify you of material adjustments via email with an explanation.

10.5 Fraud Detection

We employ fraud detection systems to protect the integrity of the Platform. Accounts exhibiting patterns consistent with fraudulent activity may have Rewards withheld pending investigation. We will notify you if we suspect fraudulent activity and, subject to not compromising our investigation or legal obligations, provide an opportunity to respond before taking action.

ARTICLE 11: MISSING CASHBACK CLAIMS

11.1 Claim Period

If a qualifying transaction does not appear in your Account within forty-five (45) days of purchase, you may submit a missing cashback claim within one hundred and twenty (120) days of the original transaction date. This does not affect any rights you may have under the ACL regarding the Platform service.

11.2 Required Documentation

Claims must include:

Order confirmation email or receipt;
Transaction date and amount;
Merchant name;
Proof of payment;
Confirmation that you clicked through the Platform immediately before purchase;
Any other information reasonably required to investigate your claim.

11.3 Claim Review

We will investigate claims promptly, in good faith, and in accordance with the ACL. We will:

Acknowledge receipt of your claim within five (5) business days;
Conduct a reasonable investigation;
Respond within twenty (20) business days with either: (a) approval of the claim and crediting of Rewards, (b) a request for additional information, or (c) an explanation of why the claim cannot be approved;
If more time is needed, inform you of the delay and expected resolution timeframe.

11.4 Merchant Cooperation

Claim approval depends on merchant cooperation and their systems. Many merchants do not accept manual claims or provide retroactive tracking information. We will make reasonable efforts to follow up with merchants but cannot guarantee resolution. This limitation does not affect your consumer guarantees in relation to the Platform service itself.

11.5 Ineligible Claims

We cannot approve claims for:

Transactions that were tracked but reasonably rejected by the merchant under their terms;
Purchases that do not meet qualifying transaction requirements set out in these Terms;
Orders from merchants who do not participate in manual claims processes;
Transactions where adequate documentation cannot be provided after reasonable efforts;
Claims submitted outside the claim period without good reason.

If your claim is declined, we will explain the reason. If you believe our decision is inconsistent with your consumer rights, you may contact a state or territory consumer affairs agency or seek other remedies available under Australian law.

ARTICLE 12: UNCLAIMED PROPERTY AND DORMANT ACCOUNTS

12.1 Dormancy Period

If your Account remains inactive (no login activity) for three (3) consecutive years and contains an Approved Balance, we will make reasonable efforts to contact you at your last known email address and, if available, postal address.

12.2 Unclaimed Money Legislation

Australia has unclaimed money legislation at both Commonwealth and State/Territory levels. We will comply with our legal obligations regarding unclaimed balances, which may include reporting and remitting unclaimed funds to the relevant authority (such as ASIC for Commonwealth matters or State/Territory revenue offices).

12.3 Notice Requirements

Before treating funds as potentially unclaimed, we will:

Send notice to your last known email address;
If we have a postal address, send notice by mail;
Provide at least ninety (90) days from the date of notice before taking any action;
Make reasonable efforts to locate you.

12.4 Treatment of Unclaimed Balances

After making reasonable efforts to contact you and subject to applicable law:

Unclaimed balances may be reported and paid to the relevant government authority as required by unclaimed money legislation;
Alternatively, balances may be retained subject to your ongoing right to claim them;
We may donate unclaimed balances to registered Australian charities, subject to your ongoing right to claim for a reasonable period.

12.5 Your Right to Claim

You retain the right to claim unclaimed balances by contacting us and verifying your identity. If funds have been remitted to a government authority, you may claim them through that authority's unclaimed money process (e.g., ASIC's MoneySmart website or State/Territory revenue office).

12.6 Small Balances

For balances below AUD $10.00, we will handle them reasonably and in accordance with applicable law and consumer protection principles.

ARTICLE 13: REFERRAL PROGRAM

13.1 Program Terms

Our referral program, when offered, allows users to earn bonuses by inviting new users. Program terms, bonus amounts, and qualifying conditions will be clearly communicated and are subject to change with reasonable notice.

13.2 Australian Consumer Law Compliance

Our referral program complies with the ACL. We will not engage in misleading or deceptive conduct regarding referral bonuses, and the program does not constitute a pyramid scheme or similar prohibited arrangement under the ACL or Corporations Act 2001 (Cth).

13.3 Fraud Prevention

We reserve the right to:

Investigate and decline referral bonuses where we reasonably suspect fraud or abuse;
Set reasonable limits on referrals per user;
Terminate accounts engaged in fraudulent referral practices;
Require verification before paying referral bonuses.

Any action taken will be reasonable and proportionate, and we will provide an explanation.

13.4 Program Modifications

We may modify, suspend, or terminate the referral program with reasonable notice. Bonuses already earned and approved at the time of termination will remain payable.

ARTICLE 14: INTELLECTUAL PROPERTY

14.1 Ownership

All content, software, designs, logos, trademarks, and other intellectual property on the Platform are owned by Love Savings Group Limited or our licensors and are protected by United Kingdom, Australian, and international intellectual property laws, including the Copyright Act 1968 (Cth), Trade Marks Act 1995 (Cth), and Designs Act 2003 (Cth).

14.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. This licence does not permit:

Reproduction, distribution, modification, or creation of derivative works;
Commercial exploitation of Platform content;
Use of automated tools to access, scrape, or extract data beyond reasonable personal use;
Reverse engineering or decompilation of Platform software;
Removal of proprietary notices or labels.

14.3 Fair Dealing

Nothing in these Terms restricts fair dealing rights under the Copyright Act 1968 (Cth) for purposes such as research or study, criticism or review, parody or satire, reporting news, or professional advice.

14.4 Trademark Usage

You may not use Love Cashback trademarks, logos, or branding without prior written permission. Unauthorised use may constitute trademark infringement under the Trade Marks Act 1995 (Cth).

14.5 Third-Party Intellectual Property

Merchant names, logos, and trademarks displayed on the Platform are the property of their respective owners. Display on the Platform does not imply endorsement of Love Cashback by such merchants.

ARTICLE 15: THIRD-PARTY SERVICES AND MERCHANTS

15.1 Independent Relationships

Love Cashback acts as an intermediary facilitating commission-based rewards. We are not responsible for:

Merchant products, services, or conduct;
Merchant website content, privacy practices, or security;
Order fulfilment, shipping, or customer service;
Product quality, safety, or legality;
Merchant compliance with the ACL or other consumer protection laws.

15.2 Your Consumer Rights with Merchants

When you purchase from a merchant, you enter into a separate contract with that merchant. Your consumer guarantees under the ACL apply to that contract. You should exercise these rights directly with the merchant. The ACL provides that goods must:

Be of acceptable quality;
Be fit for any disclosed purpose;
Match their description;
Match any sample or demonstration model;
Have clear title and be free from undisclosed securities;
Come with undisturbed possession;
Have spare parts and repair facilities reasonably available (for manufacturers).

15.3 Merchant Disputes

All disputes regarding purchased products or services must be resolved directly with the merchant. We are not a party to your transaction with the merchant and cannot process returns, exchanges, or refunds. However, if a merchant dispute affects your eligibility for Rewards (e.g., a legitimate return), please contact us and we will address the matter fairly.

15.4 Third-Party Links

The Platform contains links to third-party websites. We do not control or endorse linked sites and are not responsible for their content, privacy practices, or terms of use. Access to third-party sites is at your own risk.

15.5 Age-Restricted Products

Some merchants sell age-restricted products such as alcohol or tobacco. You are solely responsible for ensuring compliance with all applicable Australian Commonwealth, State, and Territory laws regarding age-restricted products. It is an offence to purchase such products if you are underage.

ARTICLE 16: PROHIBITED CONDUCT

16.1 General Prohibitions

You agree not to:

Violate any applicable Australian Commonwealth, State, or Territory law or regulation;
Use the Platform for fraudulent, illegal, or unauthorised purposes;
Share, distribute, or publish your unique tracking links for others to use;
Engage in conduct that would constitute an offence under the Criminal Code Act 1995 (Cth), including but not limited to unauthorised access to computer systems;
Interfere with Platform security, integrity, or operation;
Attempt to gain unauthorised access to any Account, system, or network;
Use automated tools, bots, or scripts to access the Platform in a manner that imposes unreasonable load;
Transmit viruses, malware, or other harmful code;
Harass, threaten, or impersonate others;
Manipulate tracking systems or engage in click fraud;
Create multiple accounts or use others' accounts;
Exploit errors or vulnerabilities for personal gain without reporting them;
Purchase products for business purposes without disclosure (which would affect your consumer rights);
Engage in misleading or deceptive conduct in violation of the ACL.

16.2 Enforcement

Violation of these prohibitions may result in:

Warning and request to cease the conduct;
Temporary suspension of Account;
Termination of Account in accordance with Article 5.8;
Forfeiture of Rewards associated with prohibited conduct;
Referral to Australian Federal Police, State/Territory police, or other authorities where appropriate;
Legal action to recover damages or seek injunctive relief.

Enforcement actions will be proportionate to the violation and conducted in good faith.

ARTICLE 17: PRIVACY AND DATA PROTECTION

17.1 Privacy Policy

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, available at www.lovecashback.com.au/privacy, which complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

17.2 Australian Privacy Principles

We comply with the Australian Privacy Principles, including:

Open and transparent management: We have a clearly expressed privacy policy;
Anonymity and pseudonymity: You may deal with us anonymously where practicable;
Collection: We only collect personal information that is reasonably necessary;
Dealing with unsolicited information: We destroy or de-identify unsolicited information we receive;
Notification: We notify you of collection matters;
Use and disclosure: We use and disclose information only for the purpose collected or related purposes;
Direct marketing: You can opt out of direct marketing;
Cross-border disclosure: We take reasonable steps to ensure overseas recipients comply with APPs;
Adoption, use, or disclosure of government identifiers: We handle government identifiers appropriately;
Quality: We take reasonable steps to ensure information is accurate;
Security: We protect personal information from misuse, interference, and loss;
Access: You have the right to access your personal information;
Correction: We will correct inaccurate information.

17.3 Your Privacy Rights

Under the Privacy Act 1988 (Cth), you have the right to:

Request access to your personal information;
Request correction of inaccurate personal information;
Complain to the Office of the Australian Information Commissioner (OAIC) if you believe we have breached the APPs;
Opt out of direct marketing at any time.

To exercise these rights, contact us using the details in Article 25. We will respond within thirty (30) days.

17.4 Communications

By creating an Account, you consent to receive essential service communications necessary for the performance of our contract. You may opt out of marketing communications at any time. We comply with the Spam Act 2003 (Cth) and the Do Not Call Register Act 2006 (Cth) regarding commercial electronic messages and telemarketing. Marketing messages will include a functional unsubscribe facility.

17.5 Cookie Usage

The Platform uses cookies and similar tracking technologies. Our Cookie Policy, available at www.lovecashback.com.au/cookies, explains how these technologies function, their purpose, and your choices regarding them. You can manage cookie preferences at any time through your browser settings.

17.6 Office of the Australian Information Commissioner

If you believe we have breached your privacy rights, you may complain to the Office of the Australian Information Commissioner (OAIC). Contact details: GPO Box 5218, Sydney NSW 2001. Website: www.oaic.gov.au. Phone: 1300 363 992.

ARTICLE 18: WARRANTIES AND CONSUMER GUARANTEES

18.1 Australian Consumer Law Guarantees

If you acquire the Platform services as a consumer (for personal, domestic, or household use, not for business purposes), the consumer guarantees under the ACL apply and cannot be excluded, restricted, or modified. Under the ACL, services must:

Be rendered with due care and skill;
Be fit for any particular purpose made known to us or that we represented they would be fit for;
Be supplied within a reasonable time (where no time is specified).

18.2 Business Use

If you acquire the Platform services for business purposes and the acquisition is not of a kind ordinarily acquired for personal, domestic, or household use, the consumer guarantees under the ACL may not apply. You must inform us if you are acquiring the services for business purposes.

18.3 Our Commitment

We will provide the Platform with due care and skill and in accordance with these Terms. We will:

Make reasonable efforts to ensure the Platform is available and functional;
Maintain reasonable security measures;
Process Rewards in accordance with these Terms;
Investigate issues you report in good faith;
Act honestly and in good faith in our dealings with you.

18.4 Service Availability

We will make reasonable efforts to ensure the Platform is available but do not guarantee uninterrupted or error-free service. We may suspend or restrict access for maintenance, updates, or technical issues. Where practicable, we will provide advance notice of planned maintenance.

18.5 Information Accuracy

In accordance with the ACL, we will not engage in misleading or deceptive conduct. We make reasonable efforts to ensure information on the Platform is accurate and current. However, we do not warrant that:

All transactions will be tracked or result in Rewards (due to factors outside our control);
Merchants will validate transactions or pay commissions (as this is within merchant control);
Rewards will be paid in any specific timeframe (due to merchant validation processes);
All Platform content is accurate, complete, or current at all times;
All defects or errors will be corrected, though we will make reasonable efforts.

18.6 Third-Party Services

We are not responsible for:

Merchant acts, omissions, products, or services;
Third-party website content or conduct;
Affiliate Network errors or failures;
Tracking technology malfunctions beyond our reasonable control.

These limitations do not affect your consumer guarantees under the ACL in relation to merchant products or services you purchase.

ARTICLE 19: LIMITATION OF LIABILITY

19.1 Consumer Guarantee Rights Cannot Be Excluded

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time.

19.2 Unlimited Liability

Nothing in these Terms excludes or limits our liability for:

Death or personal injury caused by our negligence;
Fraud or fraudulent misrepresentation;
Breach of consumer guarantees under the ACL (where the ACL applies);
Any liability which cannot be excluded or limited under Australian law.

19.3 Limitation for Non-Consumer Transactions

If you are not a consumer or the ACL consumer guarantees do not apply (e.g., for business acquisitions), and to the extent permitted by law:

Our total liability for any claims arising from or related to the Platform or these Terms shall not exceed the greater of: (a) AUD $100, or (b) the total amount of Rewards paid to you in the twelve (12) months preceding the claim;
We are not liable for indirect, consequential, or incidental losses, including loss of profits, loss of business, or loss of goodwill;
We are not liable for losses that were not reasonably foreseeable at the time these Terms were formed.

19.4 Proportionality and Reasonableness

Any limitations on liability in these Terms (to the extent they apply) are fair, reasonable, and proportionate given:

The nature of the free Platform service;
Our dependence on third-party merchants and systems;
The commission-based nature of Rewards;
The value and nature of services provided.

19.5 Australian Consumer Law

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 or any other consumer protection legislation that cannot lawfully be excluded or limited.

ARTICLE 20: INDEMNIFICATION

20.1 Your Indemnification Obligation

To the extent permitted by law and only to the extent reasonable and proportionate, you agree to indemnify Love Savings Group Limited against claims, losses, and expenses (including reasonable legal fees) arising from:

Your fraudulent use of the Platform;
Your deliberate or reckless breach of these Terms;
Your violation of third-party rights;
Your illegal conduct or criminal activity;
Your breach of the ACL or other consumer protection legislation in your dealings with others.

20.2 Limitations on Indemnification

This indemnification does not apply:

Where you have acted reasonably and in good faith;
To the extent claims arise from our negligence or breach;
Where enforcement would be unfair or unreasonable;
If you are a consumer and the ACL applies (as indemnities that exclude, restrict, or modify consumer guarantees are void).

ARTICLE 21: COMPLIANCE AND ANTI-MONEY LAUNDERING

21.1 Anti-Money Laundering and Counter-Terrorism Financing

We comply with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act). Under the AML/CTF Act, we may be required to:

Conduct customer identification procedures (verify your identity);
Monitor accounts and transactions;
Report suspicious matters to the Australian Transaction Reports and Analysis Centre (AUSTRAC);
Keep records for at least seven years.

21.2 Identity Verification

We may require you to provide:

Full name, date of birth, and residential address;
Government-issued photo identification (e.g., Australian driver licence, passport);
Proof of address (e.g., utility bill, bank statement);
For high-value transactions, source of funds information.

Information collected is protected in accordance with the Privacy Act 1988 (Cth).

21.3 Suspicious Activity

If we suspect money laundering or terrorism financing, we are legally required to report to AUSTRAC and may be prohibited from informing you (tipping off offence). We may freeze, delay, or refuse transactions, or terminate your Account.

21.4 Sanctions Compliance

We comply with Australian sanctions laws, including the Autonomous Sanctions Act 2011 (Cth), Charter of the United Nations Act 1945 (Cth), and related regulations. You represent that you are not:

Subject to Australian sanctions;
A designated person or entity;
Located in a jurisdiction subject to comprehensive sanctions;
Owned or controlled by such a person or entity.

21.5 Cooperation

You agree to cooperate with AML/CTF compliance requirements and provide requested information within reasonable timeframes. We will handle your information in accordance with privacy principles and only request information required for compliance.

ARTICLE 22: DISPUTE RESOLUTION

22.1 Complaints Procedure

If you have a complaint about our service, please contact us using the details in Article 25. We will:

Acknowledge your complaint within two (2) business days;
Investigate the matter fairly, reasonably, and promptly;
Provide a substantive response within fifteen (15) business days, or if more time is needed, inform you of the delay and expected resolution timeframe.

22.2 Good Faith Resolution

We are committed to resolving disputes in good faith and in accordance with the principles underlying Australian consumer protection law. We encourage you to contact us before pursuing formal proceedings, as most disputes can be resolved through discussion.

22.3 State and Territory Consumer Affairs

You may seek assistance from your State or Territory consumer affairs agency:

NSW: NSW Fair Trading - www.fairtrading.nsw.gov.au
VIC: Consumer Affairs Victoria - www.consumer.vic.gov.au
QLD: Office of Fair Trading - www.qld.gov.au/law/fair-trading
WA: Consumer Protection WA - www.commerce.wa.gov.au/consumer-protection
SA: Consumer and Business Services - www.cbs.sa.gov.au
TAS: Consumer, Building and Occupational Services - www.cbos.tas.gov.au
ACT: Access Canberra - www.accesscanberra.act.gov.au
NT: Consumer Affairs NT - www.consumeraffairs.nt.gov.au

22.4 Australian Competition and Consumer Commission

If you believe we have breached the ACL, you may report the matter to the Australian Competition and Consumer Commission (ACCC). The ACCC can investigate and, if appropriate, take enforcement action. Website: www.accc.gov.au. Phone: 1300 302 502.

22.5 Tribunals

For disputes within monetary limits, you may bring proceedings in your State or Territory tribunal:

NSW: NSW Civil and Administrative Tribunal (NCAT) - up to $40,000
VIC: Victorian Civil and Administrative Tribunal (VCAT) - up to $40,000
QLD: Queensland Civil and Administrative Tribunal (QCAT) - up to $25,000
WA: State Administrative Tribunal (SAT) - up to $75,000
SA: South Australian Civil and Administrative Tribunal (SACAT) - up to $12,000
TAS: Magistrates Court (Minor Civil Claims) - up to $5,000
ACT: ACT Civil and Administrative Tribunal (ACAT) - up to $25,000
NT: Northern Territory Civil and Administrative Tribunal (NTCAT) - up to $25,000

Tribunals provide an accessible, low-cost forum for resolving consumer disputes.

22.6 Court Proceedings

You have the right to bring proceedings in Australian courts. Legal proceedings may be brought in the court nearest to where you live or where the transaction took place.

22.7 Limitation Periods

Under Australian law:

Claims for breach of contract must generally be brought within six (6) years;
Claims under the ACL for damages must generally be brought within three (3) years of when you became aware (or should reasonably have become aware) of the conduct;
Claims under the ACL for misleading or deceptive conduct have a six (6) year limitation period.

22.8 No Class Actions

To the extent permitted by Australian law, disputes will be resolved on an individual basis. However, this does not prevent representative proceedings (class actions) under Part IVA of the Federal Court of Australia Act 1976 (Cth) or equivalent State/Territory legislation where permitted by law.

ARTICLE 23: GOVERNING LAW AND JURISDICTION

23.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New South Wales, Australia. This includes but is not limited to the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)), Privacy Act 1988 (Cth), and common law.

23.2 Jurisdiction

The courts of New South Wales, Australia have non-exclusive jurisdiction to hear disputes arising from or related to these Terms. You may bring proceedings in the appropriate tribunal, local court, or superior court as appropriate to the nature and value of your claim in any Australian State or Territory.

23.3 Consumer Protection

Nothing in these Terms affects your rights under Australian consumer protection legislation or prevents you from accessing Australian courts or tribunals.

ARTICLE 24: MISCELLANEOUS PROVISIONS

24.1 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and any Special Terms, constitute the entire agreement between you and Love Savings Group Limited regarding the Platform and supersede all prior understandings and agreements, subject to any representations made under the ACL.

24.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable under Australian law (including provisions that purport to exclude, restrict, or modify consumer guarantees under the ACL), the invalid provision shall be read down to the extent necessary to make it valid and enforceable, or if this is not possible, shall be severed. The remaining provisions shall continue in full force and effect.

24.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver unless we acknowledge and agree to the waiver in writing. Waiver of any breach does not constitute waiver of subsequent breaches.

24.4 Assignment

You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms to another entity provided your rights are not materially diminished and we give you reasonable notice. Any attempted assignment in violation of this section is void.

24.5 Force Majeure

Neither party shall be liable for delay or failure to perform obligations resulting from causes beyond reasonable control, including acts of God, bushfires, floods, cyclones, war, terrorism, pandemics, strikes, government action, or internet failures, provided the affected party:

Notifies the other party promptly;
Uses reasonable efforts to mitigate the impact;
Resumes performance as soon as reasonably practicable.

24.6 Relationship of Parties

These Terms do not create any agency, partnership, joint venture, employment, or franchise relationship. Each party is an independent contractor.

24.7 Notices

Legal notices to you will be provided via email to the address on file or by posting to the Platform. Notices are deemed received:

When sent via email (unless you receive a delivery failure notification);
When posted to the Platform;
Three (3) business days after posting by ordinary post within Australia;
One (1) business day after posting by express post or courier.

Notices to us should be sent to the address provided in Article 25.

24.8 Third-Party Rights

These Terms are not intended to confer rights on any third party. A person who is not a party to these Terms has no right to enforce any term of these Terms.

24.9 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: intellectual property rights, liability provisions (including consumer guarantee provisions), indemnification (where applicable), privacy obligations, governing law, and dispute resolution provisions.

24.10 Good Faith

The parties will deal with each other in good faith in relation to the performance of these Terms.

24.11 Electronic Transactions

These Terms and your electronic acceptance comply with the Electronic Transactions Act 1999 (Cth) and equivalent State/Territory legislation. Your electronic acceptance constitutes a binding agreement.

ARTICLE 25: CONTACT INFORMATION

25.1 Customer Support

For questions, concerns, or assistance regarding your Account or these Terms, please contact:

Love Cashback Customer Support
Website: www.lovecashback.com.au/support
Email: [email protected]

25.2 Legal and Compliance Inquiries

For legal notices, complaints, or compliance matters:

Love Savings Group Limited
Legal Department
124 City Road
London, EC1V 2NX
United Kingdom
Email: [email protected]

25.3 Privacy Officer

For privacy inquiries and to exercise your rights under the Privacy Act 1988 (Cth):

Privacy Officer
Love Savings Group Limited
Email: [email protected]

25.4 AML/CTF Compliance Officer

For AML/CTF compliance matters:

Compliance Officer
Love Savings Group Limited
Email: [email protected]

ARTICLE 26: QUICK REFERENCE SUMMARY

This summary is provided for convenience only and is not legally binding. The complete Terms above govern your use of the Platform. Nothing in this summary affects your statutory consumer rights under the Australian Consumer Law or other Australian consumer protection legislation.

How Love Cashback Works

We earn commissions when you shop through our merchant links
We share a portion of that commission with you as cashback rewards
Tracking relies on cookies and affiliate technology
Rewards must be validated by merchants before becoming payable
We provide this service with due care and skill

Key Requirements

Must be 18+ and an Australian resident
Only one account per person
Must click through our links immediately before purchase
Cannot use ad blockers, VPNs, or other tracking interference
Must comply with merchant terms and special offer conditions

Payment Terms

Minimum withdrawal: AUD $20.00
Payment methods: Australian bank transfer, PayPal, gift cards, charity
Processing time: typically within 14 business days
Identity verification may be required for AML/CTF compliance
Consult a tax advisor or the ATO regarding potential tax obligations

Account Closure

You can close your account at any time
You'll have opportunity to withdraw balances ≥ $20
Options available for small balances
Pending rewards continue to be processed for a reasonable period

Your Consumer Rights (for Personal Use)

Australian Consumer Law: Services must be provided with due care and skill and fit for purpose
Consumer Guarantees: Cannot be excluded for consumer transactions
Major Failures: Entitled to cancel and receive refund, or compensation
Privacy Act: Your personal information is protected and you have rights to access and correct it
State/Territory Tribunals: Accessible forums for consumer disputes
ACCC: Can investigate ACL breaches
Nothing in these Terms affects these rights

Important Limitations

We don't guarantee all transactions will be tracked (due to technical factors)
Merchants control whether rewards are approved
We can reverse rewards for legitimate merchant chargebacks or returns
We provide services with due care and skill
Consumer guarantee protections cannot be excluded for personal use

Dispute Resolution

Contact us first - we have a complaints procedure
State/Territory consumer affairs agencies can assist
State/Territory tribunals for claims within monetary limits
ACCC for Australian Consumer Law breaches
You have the right to bring court proceedings

Useful Resources

ACCC: www.accc.gov.au - Consumer protection and competition
OAIC: www.oaic.gov.au - Privacy rights and complaints
MoneySmart: www.moneysmart.gov.au - Financial information including unclaimed money
State/Territory Fair Trading: See Article 22.3 for your local agency
State/Territory Tribunals: See Article 22.5 for your local tribunal

BY USING THE LOVE CASHBACK PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE.

IF YOU ARE A CONSUMER USING THE PLATFORM FOR PERSONAL, DOMESTIC, OR HOUSEHOLD PURPOSES, NOTHING IN THESE TERMS EXCLUDES, RESTRICTS, OR MODIFIES YOUR RIGHTS UNDER THE AUSTRALIAN CONSUMER LAW OR OTHER AUSTRALIAN CONSUMER PROTECTION LEGISLATION.

Terms and Conditions of Use

Love Cashback Australia