1.       Extra Benefits provides a secure website facility for the purchase of retailer issued eGift cards and eMovie tickets (eGift Cards) giving access to certain discounts and special offers on selected goods or services.

2.       Extra Benefits is a service supplied by ALI Group Pty Ltd ABN 42 101 330 036 (we, us, our).

3.       By using Extra Benefits you acknowledge that you have read and agree to be bound by these Terms and Conditions.

4.       You can use Extra Benefits to purchase eGift Cards from retailers who participate in Extra Benefits (Retailers).

5.       We may modify these Terms and Conditions in accordance with clause 28. We recommend that you regularly review these Terms and Conditions on the Extra Benefits website to ensure you are aware of any changes. Your continued use of Extra Benefits will constitute acceptance of these Terms and Conditions.

Eligibility and access

6.      To be eligible for Extra Benefits you must:

a.       own a current policy distributed by or under the authority of Australian Life Insurance Distribution Pty Ltd ABN 31 103 157 811 AFSL 226403 (ALID); or

b.       hold current authorisation (as defined in section 916A of the Corporations Act 2001 (Commonwealth)) from ALID; or

c.       be deemed eligible at our discretion.

7.       To access Extra Benefits you must have a valid Australian mobile phone number and email address. We will use the mobile phone number and email address associated with your ALID policy or your authorisation from ALID.

8.       Multi-factor authentication is mandatory each time you log in to Extra Benefits. You will be prompted to receive either an SMS or email authentication (or in some instances both) upon each log in.

Purchasing eGift Cards

9.       You can purchase eGift Cards by following the instructions on the Extra Benefits website after logging in, using your VISA or MasterCard credit or debit card. We impose a $2,500 daily limit on eGift Card purchases.

10.    We will confirm your purchase by email when we receive your payment. These emails, and your bank statement, will refer to our payment gateway provider The Ambassador Card Pty Ltd as your payee. You agree not to pursue charge backs in relation to payments you have authorised to The Ambassador Card. If you do pursue a charge back only because you do not recognise The Ambassador Card we will ask you to reverse the charge back, or otherwise compensate us and you must do so within 7 days.

Delivery of eGift Cards

11.    We deliver eGift Cards purchased through Extra Benefits to the last email address you have given us. You are responsible for ensuring that your email address remains current.

12.    We normally supply eGift Cards almost immediately. However, you must allow up to 48 hours for delivery of your eGift Card purchases.

Responsibility for eGift Cards

13.    When you purchase eGift Cards through Extra Benefits, the purchase is subject to the Retailer’s terms and conditions, including the expiration date of the eGift Card. You acknowledge that Retailers may impose limits and conditions such as:

a.       the number of cards available to purchase during a specified period (for example, limiting the number or value of cards you can purchase each day); or

b.       the number of cards you can use toward a specific purchase (for example, an online travel provider might limit the number of cards you can use toward a flight).

14.    You agree that other than supplying you with eGift Cards in fulfillment of your purchases, we are not responsible for the Retailer’s obligations to you.

Information on our website and Retailer terms and conditions

15.    We will take reasonable steps to ensure that all information on the Extra Benefits website is accurate. However, we do not warrant that the information on our site is complete. We provide links to Retailer websites so that you can access each Retailer’s terms and conditions and ascertain whether limits or restrictions on your use of eGift Cards may apply, and other important information about your use of eGift Cards.

Prices and discounts

16.    eGift Card prices shown on the Extra Benefits website are in Australian dollars (AUD) and include the Goods and Services Tax (GST). We calculate discounts shown on our website as the difference between the eGift Card price and the monetary value of the eGift Card as a percentage of the eGift Card price. For example, if you buy a $100 eGift Card for a price of $95, your discount is 5%.

17.    We reserve the right to change any prices and any discounts shown on the Extra Benefits website at any time.

eGift Card winnings

18.    If you participate in competitions or offers that consist of eGift Card entitlements as prizes, we may credit your Extra Benefits with a corresponding amount of eGift Card entitlements denominated in Australian dollars. These entitlements:

a.       may be used to acquire eGift Cards, but are not available for cash withdrawal and;

b.       remain available until spent or until your access to Extra Benefits ends in accordance with clause 29.

Payments, refunds and validity

19.    You warrant and agree that, in purchasing eGift Cards:

a.       the credit or debit card used is your own;

b.       you consent to all validation checks and authorisation by your credit or debit card issuer and the Retailer; and

c.       if the issuer of your credit card refuses to authorise payment for eGift Cards from Retailers, we will not be liable for any delay or non-delivery of an eGift Card.

20.    Unless an eGift Card is invalid or defective, purchased eGift Cards are not refundable and cannot be exchanged for other eGift Cards.

21.    eGift Cards are valid from the date of purchase until the expiry date specified on the eGift Card or in the Retailer’s terms and conditions.

Rules and restrictions

22.    You must not:

a.       engage in any fraudulent or misleading conduct in relation to Extra Benefits or eGift Cards supplied through Extra Benefits;

b.       re-sell eGift Cards;

c.       purchase eGift Cards for the purpose of a commercial or business activity;

d.       infringe on any intellectual property rights or other rights; or

e.       use or access the Extra Benefits website to interfere with the security of the website.

Communicating with you

23.    By activating Extra Benefits, you agree that:

a.       any information you provide us may be used by ALI for marketing, planning, product development, research and other commercial purposes;

b.       you may receive digital communications which include latest benefits and recommendations on ways to maximise the Extra Benefits program benefits, unless you have selected to opt-out of direct marketing;

c.       if you wish to change your marketing preferences, you may do so by contacting us at [email protected] or by using our unsubscribe facility;

d.       opting out of Extra Benefits communications will also opt you out of receiving ALI marketing communications; and

e.       opting out of Extra Benefits or other ALI marketing communications or cancelling your membership of the Program will not affect:

(i)     your receipt of service-related information including payment and renewal reminders and policy information from ALI;

(ii)    your policy or authorisation (as applicable); or

(iii)  communications in relation to your relationship with us that are not commercial electronic messages within the meaning of the Spam Act 2003 (Commonwealth).

Unauthorised transactions

24.    You must notify us immediately of any unauthorised eGift Card purchases or any compromise to your Extra Benefits credentials. For example, if your mobile telephone is taken and might be used without your authority.

25.    We may suspend your access to Extra Benefits if we reasonably suspect that your Extra Benefits has been subject to suspicious activity. We will take reasonable steps to notify you promptly if this happens.

26.    If we suspend your access, or if you tell us that you have experienced an unauthorised transaction or your credentials have been compromised, we will refund any unauthorised purchases made after the suspension, or after you told us.

27.    Where clause 26 does not apply, unless circumstances arise where it is unreasonable for us to do so, we may rely on the use of your credentials and we will not be liable to you for any unauthorised eGift Card purchase.

Changes to Extra Benefits

28.    We may change these Terms and Conditions on reasonable notice. We do not need to give you advance notice of changes that benefit you, changes to Retailers (for example, new Retailers joining the Program or Retailers leaving the program) or changes to the price of any eGift Card. We will give 30 days’ prior notice of changes that introduce charges or fees, or which may adversely affect unspent eGift Card entitlements. Any changes we make to the Extra Benefits website take effect immediately unless otherwise stated, but will not apply to any transactions you made and paid for prior to the change.

Termination of Extra Benefits

29.    We reserve the right to terminate your access to Extra Benefits at any time in accordance with this clause:

Closure

a.       We may close Extra Benefits in its entirety on 30 days’ notice. We will honour all purchases made before the last day of the notice period;

Ineligibility

b.       If you cease to meet the eligibility requirements in clause 6, your access to Extra Benefits will cease within 30 days. We will give you 30 days’ notice before you lose access to Extra Benefits. We are not liable if you fail to save any eGift Card sent to your email before your Extra Benefits becomes inactive, or to apply any eGift card entitlements to the purchase of eGift Cards; and

Breach of these Terms and Conditions

c.       If you breach these Terms and Conditions we may terminate your access to Extra Benefits immediately. We will notify you promptly if we do so. We may set off unused eGift Card entitlements against any loss we have incurred because of your breach. To the extent that you have any remaining eGift Card entitlements, we will pay you the monetary value of those entitlements.

Links to other sites

30.    These Terms and Conditions apply to the Extra Benefits website and your use of Extra Benefits. These Terms and Conditions do not apply to Retailer or other third party websites to which we provide links within the Extra Benefits website.

31.    Retailer sites linked to Extra Benefits are developed by third parties that we do not control. We do not warrant that information on those sites is correct or complete.

Liability

32.    You acknowledge and agree that:

a.       we take reasonable steps to ensure that Extra Benefits remains available and that all eGift Cards can be purchased by all promoted Retailers. However, from time-to-time Extra Benefits and Retailers may experience outages. You agree that we are not liable to you as a result of service discontinuity;

b.       nothing in these Terms and Conditions will, or is intended to, disclaim, exclude, prevent or limit the application of the Australian Consumer Law set out in Schedule 2 to the Competition and Consumer Act 2010 (Commonwealth). However:

(i)     in accordance with the Australian Consumer Law, our liability to you in relation to eGift Cards is limited to the cost of replacing or re-providing any eGift Card that is defective, not delivered or otherwise fails to meet the standards or requirements of the Australian Consumer Law; and

(ii)    you may not recover from us any damage or loss of in the nature of missed opportunity, indirect or consequential loss.

Disclaimer and Legal Notice

33.    Your use of the Extra Benefits website and these Terms and Conditions is governed by the laws of New South Wales and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction there.

Privacy Policy

34.    Our Privacy Policy can be found here and sets out what information we collect from you and how we will use your information. We may, acting reasonably, change the Privacy Policy and are not required to give you notice of any change.

Copyright

35.    All content on the Extra Benefits website is copyright and is either our property or is used under licence or authorisation and is protected by Australian and international copyright laws (unless previously public domain). This includes text, images, colours and all aspects of visual design. You must not reproduce or distribute any such content for any infringing purpose without our written consent.

If things go wrong

36.    If you have any issues, queries, concerns or complaints in relation to Extra Benefits or any eGift Cards you have purchased, you agree that you will, in the first instance, contact us on the details below:

Phone: 1800 006 776

Email: [email protected]

Postal Address: GPO Box 4737, Sydney NSW 2001

We will work with you, and if necessary, with any Retailer involved in the issue to resolve your concerns.