1. Promoter and offer
The promoter is Emoney Pty Ltd (ABN 61 079 790 364, ACN 079 790 364, Australian Credit Licence 386 494), trading as emoney Home Loans.
Subject to these terms, an eligible referrer receives one digital gift card with a face value of AUD $250 after the referred person's eligible new home loan settles through Emoney.
The referrer may select from the gift-card brands available through Emoney's fulfilment provider when the reward is issued. Available brands may include Airbnb, Amazon, Apple, Bunnings, JB Hi-Fi, The Good Guys and Visa, as well as other options. Brand availability can change. If a selected brand is unavailable, Emoney will ask the referrer to choose another available gift card of the same value.
Gift-card issuers and displayed brands are not sponsors of or responsible for this promotion unless expressly stated. Each gift card is also subject to the issuer's terms, permitted uses and displayed expiry information. Emoney will not apply an expiry period shorter than required by Australian law.
2. How a referral is recorded
The referrer should send the referral-program page to the person they are referring. The referred person must contact Emoney themselves and provide the referrer's full name when making their first enquiry or before their application has progressed beyond the point at which Emoney can reasonably record its source.
A person cannot refer themselves. The reward is not available where the referred person was already recorded as an Emoney enquiry or customer for the same lending need, had already been referred by another person, or was introduced through an accredited introducer before the referrer's name was provided.
Emoney may check its enquiry, customer and settlement records and may contact the referrer or referred person to confirm the referral. Emoney may reject duplicate, misleading, fraudulent or unverifiable claims, acting reasonably.
3. When a referral becomes eligible
The referred person must proceed with a new home loan arranged through Emoney and that loan must settle. No reward is issued if the enquiry or application is withdrawn, declined or does not settle.
Only one $250 reward is available for each referred person and settled lending transaction, even if the transaction involves more than one loan account or facility. A later, genuinely separate lending transaction may be considered as a new referral only if Emoney records it as such before the later application progresses.
The reward is for the introduction only. It does not affect the credit assistance provided, the lenders considered, the terms offered, Emoney's best-interests obligations, or a lender's assessment and approval decision.
4. Choosing and receiving the gift card
After Emoney verifies settlement and the referral's eligibility, Emoney will contact the referrer to confirm their available gift-card choice and delivery email address. Emoney aims to issue the selected digital gift card within seven days after those details are confirmed.
The reward is issued as one $250 digital gift card unless the fulfilment provider offers another arrangement. It cannot be transferred for cash, exchanged for change or divided across brands on request unless the fulfilment provider permits this.
The referrer is responsible for providing a current and accurate email address and for keeping the delivered gift-card details secure. If a gift card is not received or cannot be accessed, the referrer should contact Emoney promptly. Replacement or reissue is subject to the issuer's and fulfilment provider's processes, without limiting any right or remedy that cannot lawfully be excluded.
5. Privacy and respectful referrals
A referrer should share the referral-program page rather than submitting another person's phone number, financial information or documents. The referred person decides whether to contact Emoney and what information to provide.
Emoney handles personal information used to record, verify and fulfil a referral in accordance with its Privacy Policy. The referred person's lending information is not disclosed to the referrer, except that Emoney may confirm whether the reward has become payable or has been issued.
6. Changes to the program
Emoney may change, pause or withdraw the referral program for future referrals by publishing updated terms and an effective date. A referral that Emoney validly recorded before a change remains subject to the terms in effect when it was recorded, unless a change is required by law or is more favourable to the referrer.
If circumstances outside Emoney's reasonable control prevent fulfilment as described, Emoney may provide an equivalent reward of the same value after consulting the eligible referrer.
7. Consumer rights, questions and complaints
Nothing in these terms excludes, restricts or modifies a consumer guarantee, statutory right or remedy that cannot lawfully be excluded, including rights under the Australian Consumer Law and applicable credit and privacy law.
Questions about an eligibility decision or gift-card delivery can be raised by calling 13 SAVE (13 72 83), emailing hello@emoneyhomeloans.com.au, or using the contact page. Emoney's Complaints page explains the available complaint and external-dispute pathways.
These terms are governed by the laws of Queensland, Australia. If part of them is void or unenforceable, it is read down or severed to the minimum extent necessary without affecting the remaining terms.