1. Find Pty Ltd trading as Find (ABN 19 123 897 030) (FIND, we, us or our) operates the
Find Card platform, providing loyalty memberships to which these terms and
conditions apply.
2. You must be 18 years of age or over to sign up to a Find Card membership.
3. Membership of Find Cars is subject to the Terms and Conditions that apply to the
use of the Find Card website.
4. These terms and conditions are a binding agreement between us and each member
of the Find Card platform. By signing up to a Find Card membership, you agree to
these terms and conditions and our Privacy Policy. Please read these terms and
conditions and Privacy Policy carefully before you purchase a Find Card
membership. For more information regarding our use of your personal information
and opt-out procedures, refer to our Privacy Policy.
5. Loyalty memberships are an on-going subscription to the Find Card platform, which are
direct debited until cancelled by you or terminated by us in accordance with these terms
and conditions.
6. There is one type of loyalty memberships, as follows

7. Loyalty discounts provided at any level of loyalty membership are subject to the terms
and conditions associated with that discount provided by the relevant Partner. Find is not
responsible if a discount offering by a Partner changes at any time, or for any exclusions
that may apply.
8. Loyalty members accumulate entry/ies for each continuous month that they hold a
membership for the EOFY year prize draw. Entries are generated based on your current
loyalty membership monthly subscription time. This means if you have held a loyalty
membership for six months, the total number of entries you receive in a draw will be
calculated in accordance with the membership months you have paid for at the time of
the draw e.g., 6 entries for the EOFY draw.
9. Loyalty membership entries into the monthly promotional draw are generated before the
relevant promotion period commences. This means if you have started a paid
membership after the commencement of the current monthly draw that has commenced,
you will not be entitled to an entry for that month based on your monthly loyalty Find Card
subscription. However, you can purchase bonus entries at any time (refer below).
10. Entries into promotional draws are otherwise subject to the terms and conditions
associated with the relevant promotion, which should be read in conjunction with these
membership terms and conditions.

11. Additional bonus entries into promotional draws are available to all loyalty members,
regardless of the level of membership they hold or time they purchased their Loyalty Find
Card Membership. You must be a loyalty member to either purchase or retain your bonus
12. Bonus entries can be purchased for monthly draws or for the EOFY draw. If you
purchase a bonus entry for a specific monthly draw this is NOT transferrable to other
monthly draws or EOFY draw. You can only purchase bonus entries specific to the
monthly or EOFY draw you wish to enter.
13. There is no limit to how many bonus entries can be purchased and used per draw.
14. Bonus Entries are as follows

15. You may cancel your membership at any time by emailing info@findcards.com.au.
We will then provide you with a link where you will prompted with steps to cancel your
16. Once the cancellation process is complete, your membership will be cancelled instantly,
and you will be sent a confirmation email. No refund will be offered if you cancel your
membership mid-billing cycle.
17. Cancellation of your membership will not remove you from our marketing database. To
remove yourself from our marketing database you must click the unsubscribe link in the
promotional email and follow the prompts.

18. If you hold a loyalty membership and, for any reason, a direct debit for payment of your
loyalty membership fails, we will attempt to debit you payment on four further occasions
every five days over a 15-day period after the initial payment failure. If, after five
attempts, we are unable to debit your loyalty membership payment, your loyalty
membership and all membership benefits will be terminated.
19. You may re-subscribe to a loyalty membership at any time. If you re-subscribe within 30
days of cancelling your loyalty membership or your loyalty membership being cancelled
by us, you will retain all previous benefits you held under your loyalty membership.
However, if you do not re-subscribe to a loyalty membership within 30 days of
cancellation or termination, any previous benefits you had as a loyalty member will not
carry over. This includes losing any and all bonus entries you may have purchased prior
to termination.
20. From time to time, we may offer sign-up bonuses, special offers or free trial periods.
These bonuses, special offers and free trial periods are only valid in accordance with the
terms and conditions which apply to that bonus, special offer of free trial period.
21. If you sign up to a free trial period and do not cancel before the end of the free trial
period, your nominated payment method will be automatically deducted in accordance
with the loyalty membership terms set out above until you cancel your membership in
accordance with these terms and conditions.
22. You should notify us of any change of name, address, contact number, email address or
billing information by updating your details online at com, by emailing us
at info@findcards.com.au.
23. We will not be responsible for any failure by you to notify us of your change of details,
which may result in you not obtaining the full benefit of your Find Cards membership.

24. We do not exclude any rights and remedies in respect of goods or services under
the Competition and Consumer Act (2010) which cannot be excluded, restricted or
modified. However, the remainder of this clause will apply to the fullest extent permitted
by law and we and our partners are not be liable (including in negligence) for any loss
(including but not limited to indirect, special or consequential loss or loss of profits),
expense, damage whatsoever which is suffered or for any personal injury, illness or death
suffered or sustained in connection with Find Cards membership, except for any liability
which cannot be excluded by law.
25. For the purpose of these terms and conditions, discounts and deals mean the discounted
rates we have arranged with each of our partners and distributors. A full list of our
partners is available at findcards.com.au/partners
26. We are not responsible for any tax implications arising from you using the Find Card
platform or receiving any benefit from it.
27. We may exclude or suspend you from the Find Card platform or from receiving benefits
from the Find Card platform if you:
1. engage in conduct that may jeopardise the proper conduct of the Find Card
2. act in a disruptive, annoying, threatening, abusive or harassing manner;
3. do anything that may diminish the good name or reputation of us, our partners or
any of our related entities or contractors;
4. breach any law in connection with the Find Cards platform or your participation in
our promotions; or
5. behave in a way that we reasonably believe is otherwise inappropriate.

28. You must not assign or attempt to assign any right or liability under these terms and
conditions without our prior written consent.
29. Any term of these terms and conditions that is expressed to survive, or by its nature
survives, the termination or expiry of these terms and conditions will survive and
continue in effect following such termination or expiry.
30. All references to $ in these terms and conditions are in Australian dollars.
31. We may, from time to time, amend these terms and conditions. The amended terms and
conditions will apply from the time they are posted on the Find Card website or are
otherwise notified to members. If you do not wish to accept any amendments to these
terms and conditions, you may cancel your Find Card membership.
32. We may cease offering memberships by notifying members on the Find Card website or
otherwise, provided that we provide sufficient notice so that the termination does not
cause unreasonable financial or other detriment to members.
33. These terms and conditions are governed by the laws of Victoria, Australia.
Last updated: 5 July 2023.