Refer a Friend (RAF) 

MyPayNow Pty Ltd ACN 635410909

Terms and Conditions  

Start Date: 4 December 2024

Promotion End Date: Ongoing until further notice

MyPayNow Pty Ltd (the Company) may, from time to time, offer eligible existing customers (Referrers) the opportunity to refer friends, family, colleagues or other contacts (each a Referee) to the Company (RAF Program). These terms and conditions (RAF Terms) apply to the RAF Program.

By participating in the RAF Program, you agree to be bound by these RAF Terms and to use the RAF Program in the manner described in these RAF Terms.

1. Eligibility

1.1. To be a Referrer, you must have set up your account with the Company, including linking your bank account details to your account.

1.2. To be a Referee you must:

(a) not have held, at any time prior to being referred to the Company (Referral), an account with the Company; and

(b) satisfy the Company's eligibility criteria for use of its platform.

This means that if you have previously set up an account at any time, even if you did not take an advance, you will not be eligible to be a Referee.

1.3. Employees (whether temporary or permanent) or contractors of the Company or any of its related entities are ineligible to be Referrers or Referees.

2. How it works

2.1. To participate as a Referrer, refer your friends, family, colleagues or other contacts by sharing your unique link or code with them. You can find your unique link under the refer a friend tab in your account. You can share your link or code as many times as you like.

2.2. To participate as a Referee, you must:

(a) before the End Date, use the Referrer's unique link to create an account with the Company, including linking your bank account details to your account and be approved for an advance; and

(b) at some time thereafter, take an advance.  

3. Referral Gift

3.1. Subject to the Referrer and Referee satisfying the criteria above, immediately after the Referee takes an advance, the Company will make a real time transfer of an amount of $50 (Referral Gift) into each of the bank account held by the Company for the Referrer and Referee. 

3.2. For each Referee that utilises a Referrer's unique code and satisfies the criteria above, the Referrer will receive a Referral Gift. There are no limits to the number of Referral Gifts that a Referrer may receive.

3.3 If, as Referee, you fail to use the Referrer's unique link to create your account with the Company, neither you nor the Referrer will be entitled to any Referral Gift. The link cannot be retrospectively applied.

4. Changes and termination of the RAF Program

4.1. The Company reserves the right to modify or terminate the RAF Program at any time without prior notice to you. If these RAF Terms are modified, updated RAF Terms will be posted to the Company's website.

4.2.If the RAF Program is terminated prior to the Referee taking an advance, you will not be entitled to any Referral Gift.

4.3. The Company reserves the right to disqualify or terminate the involvement of any Referrer or Referee in the RAF Program if it reasonably suspects they have breached these Terms or become ineligible to use the Company's platform. If the Company does so, it reserves the right not to provide any Referral Gift to that person or any person in a Referrer-Referee relationship with that person.

5. Your participation in the RAF Program

5.1. You agree to use the RAF Program in accordance with these RAF Terms and in good faith.

5.2. You cannot refer yourself and you must respect the spirit of the RAF Program by only referring real individuals who meet the requirements of these RAF Terms. For example, you are prohibited from creating multiple or fake accounts with us or participating in the RAF Program using multiple or fake email addresses or identities. Any attempt to do so will result in your immediate disqualification from the RAF Program and disentitle you to use the Company's platform.

5.3. You are responsible for providing the full and accurate information to the Company for the purposes of setting up your account and participating in the RAF Program, including but not limited to contact, bank account and employment details.

6. Liability

6.1. The Company makes no representations or warranties that that the RAF Program will meet your requirements or that a Referee will be approved as a customer of the Company. All Referees are subject to the Company's usual eligibility requirements.

6.2. The Company relies on the account information provided by you being correct, including your bank account details. The Company accepts no responsibility for any failure to receive a Referral Gift because you provided incorrect bank account details or because you failed to update your bank account details in your account.

6.3. To the maximum extent permitted by law, the Company excludes liability for any direct or indirect loss arising out of or in connection with participation in the RAF Program, including but not limited to:

(a) loss of profit, opportunity, goodwill, or anticipated savings;

(b) loss or corruption of data;  

(c) injury, loss or damage of any kind resulting from acceptance, possession or use of a Referral Gift;  

(d) a Referee's failure to be approved as a customer of the Company; or

(e) a failure to receive a Referral Gift for reasons that are outside of our reasonable control.

6.4. The Referral Gift is a net payment. The Company is not responsible for any taxes payable as a result of the provision of the Referral Gift.

6.5. The Company reserves the right to use the Referral Gift to offset any amounts you owe it.

7. Privacy

7.1. All personal information provided in connection with the RAF Program will be collected, stored, and used by the Company in accordance with its Privacy Policy available on its website, www.mypaynow.com.au.

8. Governing law and Jurisdiction

8.1. These RAF Terms are governed by and construed in accordance with the laws of Queensland and any dispute arising from them shall be determined by the courts of that state.