These Terms and Conditions (“Terms”) govern participation in the Brumby Pay Rewards Program, operated by Brumby Finance Pty Ltd (“Brumby”, "Brumby Pay", “we”, “us”, or “our”). By accepting these Terms (e.g. by checking a box or continuing to use the platform), you (“you”, “the user”, or “payer”) agree to be bound by them.
 

Participation is entirely voluntary and subject to these Terms and applicable Australian law.
 

Overview of the Brumby Pay Rewards Program:
The Brumby Pay Rewards Program is operated by Brumby Finance Pty Ltd and governed exclusively by these Terms. Participation in the program does not alter your obligations to pay invoices or create any contractual right to receive rewards.
 

The Brumby Pay Rewards Program is a fixed, deterministic system.
Rewards are triggered when the platform as a whole reaches predefined invoice count milestones (i.e. specific invoice payment numbers such as the 10th, 30th, or 1,000th invoice paid).

These rewards are funded and issued exclusively by Brumby, not by the creditor or customer.
There is no element of chance, no point system, and no stored value involved.
 

Eligibility & Participation:

To participate:
 

• You must pay an invoice in full issued through Brumby Pay.

• You must provide a valid email address or other contact details to receive notification if a reward is issued.

• You must not be part of any sector or transaction excluded under Brumby’s [Restricted Sector Register].
   

Participation in the rewards program is voluntary, you may opt out at any time.

Brumby Pay reserves the right to withhold, cancel, or recover rewards in cases of suspected abuse, non-compliance, or breach of these Terms. Participation is subject to ongoing eligibility.
 

How Rewards Work:
A reward is issued when the platform-wide invoice counter hits a preset milestone (e.g. the 10th, 30th or 1,000 invoices paid). If your payment happens to be the one that hits that milestone, you receive the reward.

Brumby Pay does not choose winners based on invoice value, speed of payment, or user characteristics.
Reward amounts and formats may vary from time to time in accordance with Brumby's published milestone policy, but it is always:
 

• Post-payment only

• System-triggered

• Publicly defined in milestone logic
   

There is no draw, no entry, and no registration required.
 

Rewards are not prizes, incentives, or earned outcomes. They are post-payment acknowledgements determined by fixed system milestones.
 

Key Legal Clarifications:
 

No Inducement: Rewards are issued after payment. Brumby does not offer or promote payment incentives. Paying an invoice is your legal obligation under your contract with the creditor. The reward does not alter, replace, or incentivise that obligation.

No Discretion: Rewards are not granted subjectively. They are automatically issued by system logic based on invoice sequence and milestone.
 

No Financial Product: Brumby Pay does not offer a financial product or facility. Rewards are not redeemable for cash, do not accumulate value, and are not transferrable. The platform does not store value, issue credits, or provide access to any financial entitlement.
 

Restricted Sectors:

Brumby Pay maintains a live Restricted Sector Register. Transactions from these sectors are excluded from eligibility to preserve legal and reputational integrity.
 

Examples may include, but are not limited to:
 

• Gambling or wagering

• Adult services or adult content

• Payday lending or fringe finance

• Tobacco, weapons, or unlicensed pharmaceuticals

• Certain education or healthcare uses
   

Brumby Pay may update the restricted list at any time without notice. Any payment linked to a restricted sector will not qualify for reward eligibility.

 

Taxation and Disclosure:

Brumby Pay funds and issues all rewards.
Rewards may have tax implications depending on your structure and use.
Brumby Pay does not provide financial or tax advice. Please consult your accountant regarding any potential income reporting or fringe benefit liabilities.

 

You are solely responsible for reporting and managing any tax liabilities arising from participation in the Brumby Pay Rewards Program, including income or fringe benefit implications.
 

Abuse & Fraud Prevention:

Brumby Pay strictly prohibits any attempt to manipulate milestone reward outcomes or interfere with platform fairness.

This includes, but is not limited to, conduct that distorts invoice volume, user identity, or payment legitimacy.
 

Brumby Pay uses internal fraud detection, audit trails, and invoice verification systems.
Any suspicious activity may result in:
 

• Immediate disqualification from the rewards program

• Withholding or cancellation of rewards

• Account suspension or termination

• Escalation to regulators or law enforcement where appropriate
   

All milestone fulfilments are subject to audit. Brumby Pay reserves the right to revoke any reward found to have been obtained through improper means. Brumby Pay's determination regarding fraud, manipulation, or ineligibility is final and binding. We reserve the right to suspend accounts, reverse rewards, or refer matters to relevant authorities where required.

Opt-Out:

Participation is optional.
If you do not wish to be considered for milestone rewards:
 

You may opt out via a settings toggle in your Brumby Pay account
Or email us at support@brumbypay.com.au
Opting out of rewards will not affect your ability to use Brumby Pay for invoice payments.
 

No Guarantee or Entitlement:

You are not entitled to a reward unless your invoice is the exact one that reaches a system-wide milestone.
Rewards are not promised, advertised, or earned; they are automated acknowledgements triggered by system thresholds.
There is no appeal process or manual override for missed milestones or disqualified payments.

Brumby Pay retains full discretion over the timing, format, and delivery method of reward fulfilment, including in cases of system error or payment dispute.

 

Changes to Program:

Brumby Pay reserves the right to modify, suspend, or terminate the Rewards Program at its sole discretion, including in response to regulatory change, platform updates, or operational needs. Any such changes will be communicated via our website.
 

Governing Law:

These Terms are governed by the laws of Victoria, Australia. Any dispute arising in connection with these Terms will be subject to the exclusive jurisdiction of the courts of Victoria.
 

Acceptance:

By accessing or using the Brumby Pay platform, including by accepting these Terms during sign-up, you:
 

• Acknowledge that all rewards are issued solely by Brumby Pay and not by any third party or creditor;

• Understand that rewards are strictly discretionary, issued only after payment, and do not constitute inducement, obligation, or entitlement;

• Agree to comply with these Terms, all applicable laws, and any additional policies or conditions published by Brumby Pay.
   

Contact Us:

support@brumbypay.com.au
Brumby Finance Pty Ltd

© 2025 Brumby Finance Pty Ltd. All rights reserved.
This document is provided for general information purposes. It may not be reproduced, distributed, or used for commercial purposes without the prior written consent of Brumby Finance Pty Ltd.

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