App Terms of Use

Thank you and welcome to Loyalty Republic! We are excited to offer you a mobile application that allows you to earn points in a variety of interactions within the app (Points), which you can redeem for products and services, gift cards, attractions and even cash-equivalent rewards (Rewards) within our eMall. These points earning interactions are listed below:

  • Connecting your bank account and its associated debit card(s), from more than 70+ financial institutions across Australia, to earn points on all purchases
  • Uploading purchase receipts from selected major supermarket, department store, convenience store and petrol station retailers
  • Taking out a proprietary offer and/or promotion from our various marketplace partners
  • Purchasing and redeeming items from our eMall

Before you use our app, please read these Terms of Use, as they contain important information.

This mobile application (App) is operated by Points to Pay Pty Ltd t/a Loyalty Republic (ABN: 93 635 037 375) (we, our or us). These mobile application terms of use (Terms) apply to your use of, and access to, the App.

Information and availability

While we use reasonable attempts to ensure the accuracy and completeness of the content and materials on the App (Content), to the extent permitted by law (including the Australian Consumer Law), we do not warrant the accuracy, completeness or suitability of any of the Content. The Content may be subject to change without notice and we do not undertake to keep the App up-to-date. The Content is factual information only, is not comprehensive and is for general information purposes only. We also do not warrant that access to the App will be uninterrupted, error-free or free from viruses.

Intellectual Property rights

Unless otherwise indicated, we own or license the Content and all intellectual property rights (including any copyright, registered or unregistered designs, illustrations, artwork, patents or trade mark or logo rights and domain names) displayed or used on the App (Our Intellectual Property).

We authorise you to access and use the App solely for your own personal use and to display, print and download the Content onto your personal device provided that you do not remove any copyright notice included in Our Intellectual Property.

You must not use the App, or any of the Content, for your commercial purposes, including, for example, to advertise your own business or for any other revenue generation activity and you must not use the App, including the Content, in any way that competes with our business.

Subject to the above, your use of, and access to, the App and the Content does not grant or transfer to you any rights, title or interest to Our Intellectual Property. Unless otherwise permitted in these Terms, you must not:

(a)         copy or use, in whole or in part, any of Our Intellectual Property;

(b)         reproduce, retransmit, distribute, display, disseminate, sell, publish, broadcast or circulate any of Our Intellectual Property; or

(c)         breach any intellectual property rights connected with Our Intellectual Property, including altering or modifying any of Our Intellectual Property, causing any of Our Intellectual Property to be framed or embedded in another website or platform, or creating derivative works from Our Intellectual Property.

Nothing in the above clause restricts your ability to publish, post or repost Content or Our Intellectual Property on your social media page or blog, provided that:

(d)         you do not assert that you are the owner of the Content or Our Intellectual Property;

(e)         unless explicitly agreed by us in writing, you do not assert that you are endorsed or approved by us;

(f)          you do not damage or take advantage of our reputation, including in a manner that is illegal, unfair, misleading or deceptive; and

(g)         you comply with all other terms of these Terms.

Conduct we don’t accept

You must not do or attempt to do anything that is unlawful, which is prohibited by applicable law, which we would consider inappropriate or which might bring us or the App into disrepute. This includes:

(a)         anything that would constitute a breach of an individual’s privacy or any other legal rights;

(b)         using the App to defame, harass, threaten, menace or offend any person;

(c)         using the App for unlawful purposes;

(d)         interfering with any user of the App;

(e)         tampering with or modifying the App, knowingly transmitting viruses or other disabling features, or damaging or interfering with the App, including using trojan horses, viruses or piracy or programming routines that may damage or interfere with the App;

(f)          using the App to send unsolicited electronic messages;

(g)         using data mining, robots, screen scraping or similar data gathering and extraction tools on the App; or

(h)         facilitating or assisting a third party to do any of the above acts.

Third party sites

The App may contain links to websites operated by third parties. Unless we tell you otherwise, we do not control, endorse or approve, and are not responsible for, the content on those websites. We recommend that you make your own investigations with respect to the suitability of those websites. If you purchase goods or services from a third party website linked from the App, such third party provides the goods and services to you, not us.

We may receive a benefit (which may include a referral fee or a commission) should you visit certain third-party websites via a link on the App (Affiliate Link) or for featuring certain products or services on the App. We will make it clear by notice to you which (if any) products or services we receive a benefit to feature on the App, or which (if any) third party links are Affiliate Links.

Our liability is limited

You may have certain rights under the Australian Consumer Law in relation to the App and the Content, and you may contact us for more information about this. Despite anything to the contrary, to the maximum extent permitted by law (including the Australian Consumer Law), we exclude all liability for any loss or damage of any kind (including consequential loss, indirect loss, loss of profit, loss of benefit, loss of opportunity or loss of reputation) whether under statute, contract, equity, tort (including negligence), indemnity or otherwise arising out of or in connection with the App or the Content.


We respect your privacy and understand protecting your personal information is important. Our Privacy Policy (available on the App) sets out how we will collect and handle your personal information.

What happens if we discontinue the App

We may, at any time and without notice, discontinue the App (in whole or in part), or exclude any person from using our App.

Which laws govern these Terms

These Terms are governed by the laws of Victoria. Each party irrevocably and unconditionally submits to the exclusive jurisdiction of the courts operating in Victoria and any courts entitled to hear appeals from those courts and waives any right to object to proceedings being brought in those courts.

Changes to these Terms

We may, at any time and at our discretion, vary these Terms by publishing the varied terms on the App. We recommend you check the App regularly to ensure you are aware of our current terms.

For any questions and notices, please contact us at:

Points to Pay Pty Ltd t/a Loyalty Republic ABN 93 635 037 375


Last update: 20th August 2021

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