Terms and Conditions of Use

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.co.nz, 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 New Zealand, you have certain rights under the Consumer Guarantees Act 1993, Fair Trading Act 1986, and other consumer protection legislation that cannot be excluded or limited by contract. Nothing in these Terms affects your statutory rights.

ARTICLE 1: DEFINITIONS AND INTERPRETATION

1.1 Definitions

For purposes of this Agreement:

• "Account" means your registered user profile on the Platform.
• "Affiliate Network" means third-party intermediaries that facilitate commission payments between merchants and the Platform.
• "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, and (c) any applicable Special Terms were satisfied. Only the first transaction per shopping session is eligible.
• "Cashback" or "Rewards" means commission-based rebates earned through qualifying purchases.
• "CGA" means the Consumer Guarantees Act 1993.
• "Commerce Commission" means the New Zealand Commerce Commission established under the Commerce Act 1986.
• "Consumer" means a person acquiring goods or services of a kind ordinarily acquired for personal, domestic, or household use or consumption.
• "FTA" means the Fair Trading Act 1986.
• "GST" means goods and services tax under the Goods and Services Tax Act 1985.
• "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 New Zealand dollars (NZD $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 New Zealand market.
• "Privacy Act" means the Privacy Act 2020.
• "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 New Zealand dollars (NZD) unless otherwise specified.

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 Act 1993 applies to this contract and cannot be excluded.

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.

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 CGA or FTA.

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 New Zealand;
• Possess legal capacity to enter into binding contracts under New Zealand 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 New Zealand economic sanctions, export controls under the Russia Sanctions Act 2022 or equivalent legislation, 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 FTA, it is an offence 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 unauthorized use of your Account. We are not liable for losses resulting from unauthorized access unless caused by our breach of duty or negligence.

3.6 International Access

While individuals outside New Zealand may access the Platform for informational purposes, only New Zealand residents with a valid New Zealand bank account or New Zealand PayPal account are eligible to earn and withdraw Rewards.

3.7 Cancellation Rights

Under the Fair Trading Act 1986 and related regulations, if these Terms constitute a "uninvited direct sale" or similar arrangement, you may have cancellation rights. 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. 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 guarantees 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. Under the FTA, we will not engage in misleading or deceptive conduct regarding offer information. All rates are shown in New Zealand 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 regarding the GST 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, transactional and legal notifications are necessary for the performance of our contract and compliance with the Unsolicited Electronic Messages Act 2007.

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 NZD $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 charity. Under New Zealand 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 2020. 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 Anti-Money Laundering and Countering Financing of Terrorism Act 2009). 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 CGA, FTA, 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 2020. 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 unauthorized 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 FTA 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 Fair Trading Act Compliance

In accordance with the FTA, 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 New Zealand dollars (NZD $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 a New Zealand bank account;
• PayPal transfer to a New Zealand PayPal account;
• Electronic gift cards;
• Charitable donation to New Zealand-registered charities;
• 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 Countering Financing of Terrorism Act 2009 (AML/CFT Act). Verification may include:

• Government-issued photo identification;
• Proof of address;
• IRD number 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 2020. 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 New Zealand dollars (NZD $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 New Zealand tax law may depend on your individual circumstances. We may be required to provide information to Inland Revenue regarding payments. We strongly recommend consulting a qualified tax advisor regarding your specific situation. We do not provide tax advice.

8.8 Currency

All transactions are processed in New Zealand dollars (NZD). 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 New Zealand consumers.

9.2 Terms and Limitations

Gift cards are subject to:

• Issuer terms and conditions;
• Expiration dates set by the issuer (noting that consumer protection principles may apply to expiry dates);
• Usage restrictions imposed by the issuer;
• Delivery delays caused by issuer or delivery systems.

9.3 Consumer Guarantees

Under the CGA, 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 honor it through no fault of yours, please contact us immediately. We will investigate and, where appropriate and in accordance with the CGA, 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 CGA apply, and we will not contract out of these guarantees.

9.5 Identity Verification

To prevent fraud and comply with the AML/CFT 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 NZD $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 CGA 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 FTA and CGA. 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 Disputes Tribunal or seek other remedies available under New Zealand 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 Act

New Zealand has the Unclaimed Money Act 1971, which requires certain unclaimed money to be paid to the Commissioner of Inland Revenue. However, the Act's application to cashback rewards may be unclear. We will comply with our legal obligations as they apply to unclaimed balances.

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 paid to Inland Revenue if required by the Unclaimed Money Act;
• Alternatively, balances may be retained subject to your ongoing right to claim them;
• We may donate unclaimed balances to registered New Zealand 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 paid to Inland Revenue, you may claim them through Inland Revenue's unclaimed money process. There is no time limit on claiming money held by Inland Revenue.

12.6 Small Balances

For balances below NZD $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 Fair Trading Act Compliance

Our referral program complies with the FTA. 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.

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, New Zealand, and international intellectual property laws, including the Copyright Act 1994, Trade Marks Act 2002, and Designs Act 1953.

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 1994 for purposes such as research, private study, criticism, review, or news reporting.

14.4 Trademark Usage

You may not use Love Cashback trademarks, logos, or branding without prior written permission. Unauthorized use may constitute trademark infringement under the Trade Marks Act 2002.

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 CGA, FTA, 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 CGA and rights under the FTA apply to that contract. You should exercise these rights directly with the merchant. The CGA provides that goods must be:

• Of acceptable quality;
• Fit for particular purpose;
• As described;
• Correspond with any sample or demonstration model;
• Have acceptable title and be free from any undisclosed security interests.

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 New Zealand laws, including but not limited to the Sale and Supply of Alcohol Act 2012 and the Smoke-free Environments and Regulated Products Act 2022. 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 New Zealand law or regulation;
• Use the Platform for fraudulent, illegal, or unauthorized purposes;
• Share, distribute, or publish your unique tracking links for others to use;
• Engage in conduct that would constitute an offence under the Crimes Act 1961, including but not limited to accessing computer systems without authorization;
• Interfere with Platform security, integrity, or operation;
• Attempt to gain unauthorized 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 FTA.

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 New Zealand 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.co.nz/privacy, which complies with the Privacy Act 2020.

17.2 Privacy Principles

We comply with the information privacy principles in the Privacy Act 2020, including:

• Purpose: We collect personal information for lawful purposes connected with our functions and activities;
• Source: We collect information directly from you where reasonable and practicable;
• Collection: We inform you of the purpose of collection and your rights;
• Manner of collection: We collect information lawfully, fairly, and not intrusively;
• Storage and security: We protect personal information with appropriate security safeguards;
• Access: You have the right to request access to and correction of your personal information;
• Correction: We will correct inaccurate information;
• Accuracy: We take reasonable steps to ensure information is accurate;
• Retention: We retain information only as long as necessary;
• Use and disclosure: We use and disclose information only for the purposes collected or directly related purposes;
• Overseas disclosure: We take reasonable steps to ensure overseas recipients comply with privacy principles.

17.3 Your Privacy Rights

Under the Privacy Act 2020, you have the right to:

• Request access to your personal information;
• Request correction of inaccurate personal information;
• Complain to the Privacy Commissioner if you believe we have breached privacy principles;
• Request deletion of your personal information in certain circumstances.

To exercise these rights, contact us using the details in Article 25. We will respond within twenty (20) working 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 Unsolicited Electronic Messages Act 2007 regarding commercial electronic messages. 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.co.nz/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 Privacy Commissioner

If you believe we have breached your privacy rights, you may complain to the Privacy Commissioner. Contact details: Office of the Privacy Commissioner, PO Box 10094, Wellington 6143. Website: www.privacy.org.nz

ARTICLE 18: WARRANTIES AND CONSUMER GUARANTEES

18.1 Consumer Guarantees Act

If you acquire the Platform services for personal, domestic, or household use (not for business purposes), the Consumer Guarantees Act 1993 applies and cannot be excluded. Under the CGA, services must:

• Be carried out with reasonable care and skill;
• Be fit for any particular purpose made known to us;
• Be completed within a reasonable time (where no time is specified);
• Be supplied at a reasonable price (where no price is specified).

18.2 Business Use

If you acquire the Platform services for business purposes, and it is fair and reasonable for the CGA to be excluded, then the CGA does 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 reasonable 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 FTA, 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 CGA in relation to merchant products or services you purchase.

ARTICLE 19: LIMITATION OF LIABILITY

19.1 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 guarantees under the CGA (where the CGA applies);
• Any liability which cannot be excluded or limited under New Zealand law.

19.2 Consumer Guarantees Act

If you are a consumer and the CGA applies, you have rights to remedies for failure to comply with guarantees, including the right to:

• Have the services re-performed;
• Receive a refund;
• Be compensated for reduction in value;
• Claim damages for reasonably foreseeable loss.

Nothing in these Terms limits these rights.

19.3 Limitation for Non-Consumer Transactions

If you are not a consumer or the CGA has been excluded for business use, 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) NZD $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 Fair Trading Act

Nothing in these Terms excludes, restricts, or modifies any right or remedy conferred on you by the FTA or any other consumer protection legislation that cannot lawfully be excluded, restricted, or modified.

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 FTA 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 CGA applies (as indemnities may be unenforceable against consumers).

ARTICLE 21: COMPLIANCE AND ANTI-MONEY LAUNDERING

21.1 Anti-Money Laundering and Countering Financing of Terrorism

We comply with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT Act). As a reporting entity under the AML/CFT Act, we are required to:

• Conduct customer due diligence (verify your identity);
• Monitor accounts and transactions;
• Report suspicious activities to the New Zealand Police Financial Intelligence Unit;
• Keep records for at least five years.

21.2 Identity Verification

We may require you to provide:

• Full name, date of birth, and address;
• Government-issued photo identification (e.g., passport, driver licence);
• 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 2020.

21.3 Suspicious Activity

If we suspect money laundering or terrorist financing, we are legally required to report to authorities and may be prohibited from informing you. We may freeze, delay, or refuse transactions, or terminate your Account.

21.4 Sanctions Compliance

We comply with New Zealand sanctions laws, including the Russia Sanctions Act 2022 and regulations made under the United Nations Act 1946. You represent that you are not:

• Subject to New Zealand 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/CFT 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 New Zealand consumer protection law. We encourage you to contact us before pursuing formal proceedings, as most disputes can be resolved through discussion.

22.3 Disputes Tribunal

For claims up to NZD $30,000 (or up to NZD $20,000 without the other party's consent), you may bring proceedings in the Disputes Tribunal. The Disputes Tribunal provides an accessible, low-cost forum for resolving consumer disputes. Information: www.disputestribunal.govt.nz

22.4 Community Law and Consumer NZ

You may seek assistance from:

• Community Law Centres: Free legal advice. Website: www.communitylaw.org.nz
• Consumer NZ: Consumer advocacy and advice. Website: www.consumer.org.nz

22.5 Commerce Commission

If you believe we have breached the FTA or other consumer protection legislation, you may complain to the Commerce Commission. The Commission can investigate and, if appropriate, take enforcement action. Contact: PO Box 2351, Wellington 6140. Website: www.comcom.govt.nz

22.6 Court Proceedings

You have the right to bring proceedings in the District Court or High Court of New Zealand. Legal proceedings may be brought in the court nearest to where you live or where the transaction took place.

22.7 Limitation Periods

Under the Limitation Act 2010:

• Claims for breach of contract must generally be brought within six (6) years;
• Claims under the FTA must generally be brought within three (3) years of when you became aware (or should reasonably have become aware) of the breach;
• Claims under the CGA have no specific limitation period but are subject to general limitation principles.

22.8 No Class Actions

To the extent permitted by New Zealand law, disputes will be resolved on an individual basis. However, this does not prevent multiple consumers with similar complaints from coordinating or bringing representative actions 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 New Zealand. This includes but is not limited to the Consumer Guarantees Act 1993, Fair Trading Act 1986, Privacy Act 2020, and Contract and Commercial Law Act 2017.

23.2 Jurisdiction

The courts of New Zealand have non-exclusive jurisdiction to hear disputes arising from or related to these Terms. You may bring proceedings in the Disputes Tribunal, District Court, or High Court as appropriate to the nature and value of your claim.

23.3 Consumer Protection

Nothing in these Terms affects your rights under New Zealand consumer protection legislation or prevents you from accessing New Zealand 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 FTA.

24.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable under New Zealand law, the invalid provision shall be modified to the minimum 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, earthquakes, 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;
• One (1) business day after posting by 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 under the Contract and Commercial Law Act 2017 or principles of privity of contract.

24.9 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: intellectual property rights, liability 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, consistent with New Zealand law principles.

24.11 Electronic Transactions

These Terms and your electronic acceptance comply with the Electronic Transactions Act 2002. 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.co.nz/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 2020:

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

25.4 AML/CFT Compliance Officer

For AML/CFT 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 Consumer Guarantees Act 1993, Fair Trading Act 1986, or other New Zealand 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 reasonable care and skill

Key Requirements

• Must be 18+ and a New Zealand 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: NZD $20.00
• Payment methods: NZ bank transfer, PayPal, gift cards, charity
• Processing time: typically within 14 business days
• Identity verification may be required for AML/CFT compliance
• Consult a tax advisor 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)

• Consumer Guarantees Act: Services must be provided with reasonable care and skill, fit for purpose, and completed in a reasonable time
• Fair Trading Act: We cannot engage in misleading or deceptive conduct
• Privacy Act: Your personal information is protected and you have rights to access and correct it
• Disputes Tribunal: Accessible forum for disputes up to $30,000
• Commerce Commission: Can investigate FTA 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 reasonable care and skill
• Consumer Guarantees Act protections cannot be excluded for personal use

Dispute Resolution

• Contact us first - we have a complaints procedure
• Disputes Tribunal: For claims up to $30,000
• Commerce Commission: For Fair Trading Act breaches
• Community Law Centres: Free legal advice
• You have the right to bring court proceedings

Useful Resources

• Commerce Commission: www.comcom.govt.nz - Consumer protection and competition
• Privacy Commissioner: www.privacy.org.nz - Privacy rights and complaints
• Disputes Tribunal: www.disputestribunal.govt.nz - Low-cost dispute resolution
• Community Law: www.communitylaw.org.nz - Free legal advice
• Consumer NZ: www.consumer.org.nz - Consumer advocacy

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 AFFECTS YOUR RIGHTS UNDER THE CONSUMER GUARANTEES ACT 1993, FAIR TRADING ACT 1986, OR OTHER NEW ZEALAND CONSUMER PROTECTION LEGISLATION.

© 2026 Love Savings Group Limited. All rights reserved.