Terms and Conditions

Terms and Conditions


The terms and conditions (Terms) below outline your obligations as a Member and our obligations to you.


By accessing and using our Platform at https://growmymoney.com.au, our browser extensions, our mobile app and any other associated apps, sites and social media channels (together our Platform) plus associated toolkits and services together with joining our cashback rewards program as a Member (together our Service), you agree and are deemed to have read, understood and accepted, and consented to, our Privacy Policy and these Terms. If you have any concerns or objections about these Terms, you should not access or use our Platform or Service.

We may change the Terms at any time at our discretion. You will be notified of any change and where we believe that such change materially diminishes the benefits of, or the way we provide, our Service, that notice will be provided at least thirty (30) days in advance. A copy of the revised Terms will also be available on the Platform. Your continued use of or participation in our Platform or Service, or receipt of any cashback reward after this notice is provided will be deemed to be acceptance of, and consent to, the revised Terms. If you do not wish to accept the revised Terms you may notify us at support@growmymoney.com.au to close your GMM Account (your registered account to login to, and use, the Platform or Service) and confirm that you wish us to pay any confirmed cashback rewards in that account to your nominated GMM Product Account (the superannuation fund, home mortgage account or other product offered by GMM in the future) or donate them to a charity of our choice.

1. About our Service

1.1. Grow My Money Pty Ltd (GMM) operates a shopping platform where you earn cashback rewards from retailers into your nominated GMM Product Account, either by shopping online or in-store at a participating retailer.


1.2. When you sign up, you need to provide us with accurate information about your GMM Product Account so that we can make payments to the right account.


1.3. When you shop with retailers who have joined our program, you will receive the cashback reward amount set out on the Platform for your purchase. So that you can receive the cashback reward, we must be able to track your purchases, which we can only do if you:

  • are logged in to GMM and have clicked the retailer’s “Shop” button on our Platform, or via our mobile app, when you shop online;
  • shop directly from the retailer-specific promotional emails we send you when you shop online; or
  • have linked your eligible Visa or Mastercard credit or debit card to your GMM Account and shop at a participating in-store retailer or card-linked online retailer.

Alternatively, you can use our Chrome or Safari browser extension for desktop and tablet. For online purchases, when you visit the retailer’s website, you’ll receive a pop-up notification, which you then need to activate. You’ll need to ensure you have your cookies turned on and that your browser settings permit pop-ups. Please note that not all online retailers on our website will appear on the browser extension as they may not have given permission to be added to it.

We will not be able to track your cashback rewards for online or in-store purchases if:

  • your browser is in incognito mode
  • you use a browser other than Chrome or Safari
  • you do not have your cookies turned on (see our Frequently Asked Questions)
  • you click on the “Shop” button, then close the window, then visit the retailer’s site directly
  • you use a coupon code that has not come from GMM
  • you use a gift card
  • you are redirected to that retailer’s app and that retailer is not a card-linked online retailer
  • you shop in-store at a non-participating retailer
  • you shop in-store at a participating GMM retailer or online via a participating card-linked GMM retailer but use a debit or credit card that is not linked to GMM

1.4. Please note that not all debit and credit cards are eligible to be linked to your GMM Account. All determinations as to whether a card is eligible is at our sole discretion. For example, certain Mastercard and Visa cards are not eligible to be linked to your GMM Account, including, but not limited to, the following: prepaid cards, corporate cards, purchasing cards, Visa gift cards, store cards which can only be used at their respective retailers’ stores, government-administered prepaid cards (including Medicare and healthcare cards) and cards that are not processed through the Visa payment system or the Mastercard payment system. To be eligible, the debit or credit card must be issued by an Australian Financial Institution.

1.5. GMM reserves the right not to pay cashback rewards where the purchase was not made in accordance with clause 1.3 above.

1.6. You acknowledge that any cashback rewards you earn through our program will be paid into your GMM Account and then transferred to your nominated GMM Product Account and that, in the case of superannuation, you will not be able to access your super until you meet a condition of release.

1.7. We are not affiliated with any superannuation fund or mortgage provider. For any questions about how your super fund or home mortgage works, you should contact your fund administrator or mortgage provider directly.

1.8. If it appears you will earn more than $1,000 of cashback rewards in any single payment cycle, we will be in touch to discuss additional requirements regarding payments. If you have not provided your super fund details, we reserve the right to suspend your access to the Service.

1.9. Each time we attempt to make a payment to your GMM Product Account, we reserve the right to charge a payment processing fee and this will be deducted from the cashback reward before it is paid to your GMM Product Account. If the payment details you have provided are incorrect and we unsuccessfully attempt to make a payment, you will still be charged the payment processing fee for the bounced payment.

2. Our Platform and Service do not provide personal advice

2.1. While we use reasonable efforts to ensure the accuracy and completeness of the information included in our Platform and Service, any information included in the Platform and Service is not personal financial advice. The information in our Platform and Service is general in nature and may not be suitable for your individual objectives, financial situation or needs.


2.2. The information in our Platform and Service is not in any circumstances to be considered as a substitute for professional financial advice. Any investment strategies discussed on the Platform are not appropriate for every investor. You should always discuss investment decisions with your licenced financial adviser.

2.3. We do not represent that we are permitted to provide general advice in each jurisdiction from which you may view or access the Platform.

2.4. GMM is a corporate authorised representative of Australian Financial Services Licence holder, Shartru Wealth Management Pty Ltd, ABN 46 158 536 871, AFSL 422409. Please refer to the Financial Services Guide for more information.

3. Some fine print about how our Service works – read this carefully along with our Frequently Asked Questions

3.1. We will usually make payments from your GMM Account to your nominated GMM Product Account between the 15th and 20th of each month after we receive the cashback rewards payment from the retailer. This will not be straight after you make your purchase and could even be some months after your purchase. The process is explained in more detail in our Frequently Asked Questions.

3.2. Sometimes we won’t be able to make a payment to your GMM Product Account. For example, if you have given us incorrect details, we will not be able to make the payment. In these cases, we will try to contact you to let you know about the issue.

3.3. In the case of superannuation, other situations where we might not be able to make a payment are:

  • if you are not eligible to make contributions into your super or if your super fund is not eligible to receive contributions. If you have any questions about whether you can make these kinds of contributions, you should first check with your super fund or read your super fund’s product disclosure statement; or
  • your super fund may have set a minimum amount for payment. For example, some super funds will not accept payments of less than $10. If your cashback rewards don’t reach your super fund’s minimum amount, we will hold onto your cashback rewards until you have accumulated the minimum amount.

3.4. In the case of home mortgages, other situations where we might not be able to make a payment are:

  • if your home loan is on a fixed interest rate and you have reached your mortgage provider’s extra repayment limit; or
  • if you are making interest only repayments rather than principal and interest repayments.

3.5. Where you have provided your GMM Product Account payment details and we cannot make the payment and it looks like we won’t be able to make it in the future (e.g. your provider advises us that it cannot receive payments) we will endeavour to make appropriate arrangements for your cashback rewards. For example, you might be able to swap between GMM Product Accounts.

3.6. If you have not provided your GMM Product Account payment details to us, or you do not respond to our requests to provide correct details, your cashback rewards will stay in your GMM Account until you provide us with these details, provided that you continue to shop and earn cashback rewards. However, we reserve the right to suspend your access to the Service.

3.7. If we have made repeated attempts to contact you by any combination of phone, email and SMS over a period of 12 months and you have not shopped within that 12 month period then we will close your GMM Account and you will forfeit your cashback rewards. We will notify you one final time, thirty (30) days prior to closing your GMM Account, by email and/or SMS to the details listed in that account. Once your GMM Account is closed, you waive any right or claim with respect to your cashback rewards. We will retain an administration fee of up to $1 and transfer any remaining cashback rewards balance in your GMM Account to a charity of our choice.

3.8. GMM takes a percentage of each cashback reward from the retailer; this is known as a referral commission. The cashback reward offers and amounts which you can see in the GMM Platform have already had the referral commission deducted. Any variation in commission amounts is at GMM’s discretion, although we will always endeavour to secure the best commission rate for our members.

4. Use of the Platform and Service

4.1. You must use the Platform and Service in accordance with these Terms. By using the Platform and Service, you warrant that you are over 18 and legally capable of entering into a binding contract, or that you have obtained parental or guardian consent.

4.2. You are solely responsible and liable for all activity and communication on the Service initiated by yourself or via your registered GMM Account.

4.3. You must keep your GMM Account login and subscription details secure and confidential and notify us immediately of any actual or suspected security breach.

4.4. If you use a workplace email address or facilities for your GMM Account or to access the Service, then you are solely responsible for ensuring that you comply with your workplace rules.

4.5. As we consider necessary at our discretion, we can temporarily or permanently restrict your access to the Platform or Service or revoke your GMM Account.

4.6. We may change the Platform or Service from time to time at our discretion.

4.7. The Platform or Service may contain links to other third party websites. We do not endorse the content of these websites nor provide any warranties regarding the accuracy of their content.

5. Registration

5.1. In order to access the Services, you must become a GMM Member through the Platform (Membership).

5.2. You will need to register for and set up a GMM Account through the Platform in order to obtain Membership. Once you have registered for a Membership, you will be a registered member of the Service (GMM Member). As a GMM Member you will be granted access to the Service from the time you have completed the registration process until your Membership expires or is cancelled, or our Service is discontinued, as set out below.

5.3. You must provide a valid email address when you register to become a GMM Member and create a GMM Account. By providing this email address you are giving us permission to email you. We may send you emails regarding any account activity (e.g. transactions or updates to your GMM Account) as well as marketing emails with content such as merchants and their products and promotions. If you no longer wish to receive marketing emails, you can unsubscribe at any time from the email.

5.4. You warrant that any information you give to us in the course of completing the Membership process is accurate, correct and up to date.

5.5. If any of your details change, including your email or your GMM Product Account payment details, it is your responsibility to update us promptly by editing your details online in “My Account”, or you can email us at support@growmymoney.com.au so that you can continue to receive Membership benefits. We may cancel your Membership if you do not comply with, or if we reasonably consider that you are not complying with, any of these Terms.

5.6 We recommend you regularly log in to your GMM Account to ensure that your cashback rewards on purchases have been properly credited and that your GMM Account balance is up to date. If you identify any missing cashback rewards, errors or discrepancies, please notify GMM as soon as possible, but in any case within sixty (60) days of the purchase date. We will not investigate any missing or incorrect cashback rewards if you do not provide a copy of your purchase receipt detailing Order ID, purchase date and purchase amount and, neither at any time after sixty (60) days from the purchase date.

5.7. We may at any time discontinue the Platform or Service in whole or in part. If you are a GMM Member you will be notified via the Service.

5.8. To the extent permitted by law, we will have no liability to you for the cancellation or discontinuance.

6. Use of linked debit or credit cards and in-store transaction information

6.1. By registering an eligible debit or credit card (Payment Card) in connection with transaction monitoring for both online and in-store card-linked retailers, you authorise us to share your payment card information with the third parties that enable us to provide the Services (Third-Party Service Providers) and your eligible debit or credit card network (e.g. Visa, Mastercard) (Card Network) so it knows you enrolled. You authorise the Card Network to monitor transactions on your registered Payment Card(s) to identify qualifying in-store purchases to determine whether you have qualified for or earned a cashback reward linked to your Payment Card, and for the Card Network to share such transaction details with us. You agree that we and Third-Party Service Providers may view the transactions made by you with participating in-store retailers.

6.2. You may opt-out of online or in-store transaction monitoring on any Payment Card by logging in to your GMM Account and deleting that linked Payment Card. Please note that if you opt-out of transaction monitoring, earning cashback rewards via purchasing at online or in-store card-linked retailers will not be available to you.

7. Unauthorised or Mistaken Transactions

7.1. It is generally not possible to reverse a completed payment made into a superannuation account, even if that payment was made by mistake.

7.2. If you suspect there has been fraudulent activity on your GMM Account, you should immediately contact us so we can take appropriate steps to address the issue, such as suspending your login or requiring a password change.

7.3. You should also contact your super fund or mortgage provider directly if you are concerned about any fraudulent activity on that account.

8. Prohibited conduct

8.1. You must not:

  • use the Platform or Service in a way that could not reasonably be considered as ordinary personal use;
  • use the Platform or Service for any activities or post or transmit via the Platform, any information or materials which breach any laws or regulations, infringe a third-party’s rights, or are contrary to any relevant standard or codes;
  • use the Platform to post or transmit any material which interferes with other users or defames, harasses, threatens, menaces, offends or restricts any person or which inhibits any user from using the Platform or Service;
  • use the Platform to send unsolicited email messages;
  • in any way interfere with, hinder or modify the Platform or Service;
  • knowingly transmit any viruses or other disabling features to, or via, the Platform or Service;
  • attempt any of the above acts or facilitate or assist another person to do any of the above acts.

8.2. If we reasonably consider that your use of our Platform or Service is excessive and suggests that you are making commercial use of our Platform or Service, which is flooding our Platform with unsustainable traffic, or is otherwise unreasonably excessive, we reserve the right to suspend or cancel your access to the Service immediately without notice to you.

9. Intellectual Property

9.1. The contents of the Platform incorporate our intellectual property and you must not copy or reproduce them.

9.2. Any third-party intellectual property included in the Platform is subject to the rights of the third-party and remains the intellectual property of the third-party.

9.3. If you provide any content to the Service, such as reviews, testimonials, content for discussion forums or other information, you grant us an irrevocable, perpetual, non-exclusive, royalty-free, worldwide licence to use, copy, adapt and sub-license that content for our purposes and you provide all necessary consents in relation to moral rights to enable us to do so. For discussion forums, you must follow the forum rules (if any). You warrant that you have the right to provide this licence and consent in relation to all such content, and that the content is not misleading, defamatory or offensive, or otherwise contrary to law or an infringement of the rights of any third-party.

10. Liability

10.1. You indemnify us and our personnel from and against all losses and claims resulting from your breach of these Terms, any applicable law or any third-party intellectual property rights.

10.2. You warrant and represent to us that you are using our Service for your personal use only. You must not, and warrant and represent that you will not, use our Platform or Service for any business or commercial purpose.

10.3. To the extent permitted by law and except as set out in this clause, we exclude liability for any claims, losses, damage, cost or expense incurred by you in connection to your use of the Platform or Service. We do not warrant that the Platform or Service will be uninterrupted, free from delays, error-free or free from viruses or harmful code.

10.4. To the extent permitted by law we exclude all representations and warranties, expressed or implied but not limited to those relating to fitness for a particular purpose. You acknowledge that the Platform and Service are provided “as is” and that we do not make any warranty or representation as to the suitability of the Platform and Service for any purpose.

10.5. Our products and services may come with guarantees that cannot be excluded under the Australian Consumer Law. You may have rights under the Australian Consumer Law for major and minor failures. In addition to other entitlements, for a major failure you may be entitled to a refund or compensation for the reduced value of the product or service. For a minor failure, we may choose to provide you with a refund or re-supply the product or service.

10.6. To obtain compensation, you will need to provide documentary evidence of the loss or damage suffered, and documentary evidence that such loss or damage was a reasonably foreseeable consequence of our failure to comply with a consumer guarantee under the Australian Consumer Law.

10.7. The type of remedy we will offer you may vary depending on how long it takes you to make a claim.

10.8. To the extent permitted by law, we will not be liable to you for indirect and consequential loss arising from or connected to this agreement in contract, tort (including negligence) or otherwise unless that loss arises as a result of our own wilful negligence or wilful misconduct.

10.9. Our liability to you for loss or damage of any kind arising out of this agreement or in connection with the relationship established by it is reduced to the extent (if any) that you cause or contribute to the loss or damage. This reduction applies whether our liability is in contract, tort (including negligence) or otherwise.

10.10. For any customers located outside Australia, these Terms take effect to the fullest extent permitted by law in the applicable jurisdiction. However, please note that our Service may not be suitable for use in countries outside Australia.

10.11. To the extent permitted by law, you agree that you may bring claims in relation to the Platform or Service only in your individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. Unless both parties agree, a court may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.

10.12. All limitations and exclusions set out in these Terms apply to the extent permitted by law.

11. Privacy

11.1. Personal information that you provide to us is treated in accordance with our Privacy Policy.

12. Complaints

12.1. If you have a complaint, please refer to the Financial Services Guide on our Platform for information on how to lodge your concerns.

13. Disputes

13.1. Subject to the previous clause, any dispute or difference arising in relation to this agreement (Dispute) must first be referred for discussion between the parties.

13.2. If the parties have been unable to resolve the Dispute within ten (10) business days, the Dispute will be referred, at the request of either party, for mediation in accordance with the rules of the Australian Disputes Centre (ADC), by a mediator appointed by the ADC.

13.3. If the Dispute relates to financial services, it will be referred, at the request of either party, to the Australian Financial Complaints Authority (AFCA). As noted above, you are also entitled to make a complaint directly to AFCA without waiting to follow the process set out in this clause.

13.4. Your GMM Account will be suspended during the period of any Dispute (unless otherwise required by AFCA for a Dispute relating to financial services).

13.5. Each party must bear its own costs of the mediation (unless otherwise required by AFCA for a Dispute relating to financial services).

13.6. A party must not commence any proceedings, other than an application for urgent interlocutory relief, until it has complied with the provisions of this clause.

14. General

14.1. These Terms will be governed by and construed in accordance with the laws in New South Wales, Australia. You agree to submit to the non-exclusive jurisdiction of the courts having jurisdiction in that state and courts of appeal from them.

14.2. If any provision of the Terms is found to be invalid or unenforceable, this will not affect the remainder of the document, which will continue in full force and effect.

14.3. If we do not act in relation to a breach of the Terms by you, this does not waive our rights to act with respect to subsequent or similar breaches of the Terms by you.

15. Contact us

15.1. Please email us at support@growmymoney.com.au if you have any questions relating to our Terms.