Terms & Conditions

These terms of use (“Terms”) apply to all Members who use our Website and App. If you do not accept these Terms, you are not permitted to use our Website or App. We may modify and update these Terms at any time, without notice. You need to ensure you review the Terms from time to time. In using our Website and App, you agree to be bound by these Terms as well as any and all general terms and conditions, disclaimers and privacy policy posted on our website from time to time.

Any amended Terms will take effect from the next time you view or use our website. If you do not agree with the amendments or our Terms at any time, then you must immediately stop using our Website and App. Your continued use of the Website and App is subject to our current Terms as amended from time to time.

DEFINITIONS

"Events" means any of our promotional activities, including educational seminars, or talks by professionals in the industry or other activities and events organised by us.

"Member" and "you" means any user that signs up to use our services and creates a membership account.

"Our Services" means our mortgage services, financial services and real estate marketing & investment services, or any other service made available by us through a referral relationship or otherwise.

"Points" means the points earned by you by participating in our events, using our services or making referrals.

"Promotion" means any promotion or promotional activity organised and executed by us and/or by our associates and partner businesses.

"Referrals" means any referral of another person to use Our Services which results in a new member for Reliance Rewards Club or a new client for our businesses.

"Rewards" means services, products, discounts, offers, activities, gift cards, experiences, and holidays or other rewards. These may include jet boat rides, harbour bridge climbs, holiday resort stays, movie tickets, dinner vouchers, gift cards and other rewards which are determined at our discretion.

“Redemption” means exchanging points earned with applicable Rewards.

“We”, “us” means [www.reliancerewardsclub.com.au and Reliance Rewards Club Android or iPhone App] Sigma Home Loans Pty Ltd Pty Ltd (ABN 34 158 841 377) and includes all directors, employees and contractors.

"Website" means www.reliancerewardsclub.com.au
“App” means Reliance Rewards Club Android or iPhone App

‘Third Party’ means any business other than Reliance Rewards Club which you may deal with, in course of attending Events or redeeming Rewards.

MEMBERSHIP

  1. To become a Member you must be an individual, aged 18 or over, have a current Australian residential address and complete the online membership form on our Website www.reliancerewardsclub.com.au or our App.
  2. There is no joining fee or any ongoing annual fee to become or remain a Member.
  3. We may refuse your application for Membership for any reason.
  4. Membership and points earned are non-transferable.
  5. It is your responsibility to keep your personal details updated by logging into your Account. If you do not keep your personal details up to date, we may not be able to offer or provide you with any benefits. If you wish to become a Member and make use of our Services, you must register and set up an account. You need to first fill in your registration details that are required in the online membership form to gain access and set up the account. There is only one membership account allowed per Member. You must be 18 years of age or older to use our website and our Services.

AGREEMENT FOR MEMBERSHIP

To use our Website and App, you acknowledge and agree to the following:

  • You will not share your password or login details with any other person and you will keep your contact and other information updated;
  • You warrant that all information you provide is true, correct, up-to-date;
  • You agree to receive our promotional and marketing material;
  • We are not responsible for nor are we in any manner affiliated with any particular Event or Reward beyond providing you with access to them; and
  • We are not liable in any manner for any loss or damage you may suffer whether direct, indirect, consequential, or special at any time which may result from your attending an Event or Redemption of Rewards.

EARNING POINTS AND REDEMPTION

You can earn Points by using our Services, attending our Events, or making Referrals. As a Member we will send you invitations to attend our Events, we will also send you promotional material. We will allocate Points to you within 15 days from the date of the Service, Event or Referral. There is no limit to how many Events you can participate in. There is also no limit in the number of new clients you make Referrals for, or how many times you use our Services.

When you log in to your membership account you will be able to see the Points you have earned, and the applicable Rewards available to you. You may then redeem your Points in exchange with an applicable Reward from the selection offered to you. If eligible, you can use your Points to redeem more than one Reward or multiples of the same Reward. Points are not redeemable for cash, and are non-transferrable and cannot be sold. Points are only redeemable by the relevant Member.

A Member's Points cannot be combined with any other Member's Points for redemption.

Any Points awarded to you in error may be deducted from your account at our discretion. Validity of the Reward usage will be determined by the provider of the Reward.

We do not exchange or refund Rewards for anything else, including for cash or gift cards.

We are not responsible for and accept no liability for any particular Event or Reward. You agree to attend any Events or redeem Rewards at your own risk.

CANCELLATION AND TERMINATION

WE MAY TERMINATE YOUR MEMBERSHIP AND ACCOUNT AT ANY TIME: We have the right to terminate your Membership for any reason, at any time. You agree that we may, in our sole discretion, terminate or suspend your access to the website with or without notice and for any reason, including, without limitation, breach of these Terms. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating our relationship and may be referred to the appropriate law enforcement authorities. We reserve the right to disclose your name and any other personal details to any law enforcement authority or other competent authority or to any person for the purpose of legal proceedings, prosecution, investigation or any breach, alleged breach of the law or these Terms.

We may also cancel your Membership and terminate your use and access to the website if we receive complaints that you are misusing, abusing or otherwise violating these Terms or general good faith in the use of our Services.

You may also cancel or terminate your account at any time by giving us written notice at membership@reliancerewardsclub.com.au

Upon such termination, regardless of the reasons, your right to use the website immediately ceases and you acknowledge and agree we may immediately deactivate or delete your membership account and all related information and files. Any Points you may have accumulated will be deleted and will not be redeemable or transferrable. We may also bar you from any further access to our website. We shall not be liable to you or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by us in connection with such termination or suspension. We are in no way responsible for providing any Rewards, or a refund for any Services as a result of any breach of these Terms, illegal activity or otherwise.

MARKETING - YOUR OPT-IN AND OPT-OUT RIGHTS

Without limiting any other provision of these Terms and Conditions you agree that we may send you direct marketing communications and tailored advertising via various channels and media (including, without limitation, by email, SMS, phone, mail, or via ads on social media) where you have not opted out from receiving such communications and advertising via those channels or media. Your agreement is deemed to be effective until such time as you opt out of receiving direct marketing or tailored advertising via the relevant channel or media.

You may opt-out of receiving direct marketing communications (including opting-out of receiving such communications through certain media, or opting-out of receiving direct marketing communications via certain channels) by informing us by email. In the case of certain electronic direct marketing communications (including email or SMS), you may also use the opt-out/unsubscribe facility we provide in that communication.

MODIFICATION OF WEBSITE CONTENT

We reserve the right at any time and from time to time to remove, delete, alter or amend any content on our website. This includes modification of Events, Rewards, or Points associated with a Reward. We shall not be liable to you or any third party for any modification when it is required.

We make no warranty that the website and Services will meet your requirements or be available on an uninterrupted, secure or error-free basis. We will use our best endeavours to ensure the website is always available and virus free but from time-to-time, and in some instances, this may not be the case as it may be out of our immediate control. We will endeavour to notify you if the website becomes unavailable for any lengthy and unusual time period.

You agree and acknowledge that the website uses third party vendors and hosting partners to provide the necessary software, hardware, service and storage.

We reserve the right to change, suspend or terminate the Terms and Conditions at any time.

We will give advance notice of any such circumstance on our Website and App and a copy of the revised Terms and Conditions will be available on the Website.

APP UPDATES

As part of the Reliance Rewards Club App, you may from time to time receive updates to the App which may be automatically downloaded and installed to your device. These updates may include bug fixes, feature enhancements or improvements, or entirely new versions of the Reliance Rewards Club App. You agree that we may automatically deliver such updates to you and you shall receive and install them as required.

LINKS TO OTHER WEBSITES

Certain Content, components or features of our Website and App may include materials from third parties and/or hyperlinks to other web sites, resources or Content, including web sites, Content and material. We have no control over such third-party sites and/or materials, you acknowledge and agree that We are not responsible for the availability of such sites or resources, and that We do not endorse or warrant the accuracy of any such sites or resources, and shall in no way be liable or responsible for any Content, advertising, products or materials on or available from such sites or resources. You further acknowledge and agree that We shall not be responsible or liable in any way for any damages you incur or allege to have incurred, either directly or indirectly, as a result of your use and/or reliance upon any such Content, advertising, products or materials on or available from such sites or resources.

We may from time to time provide on our website, links to other websites, advertisements and information on those websites for your convenience. This does not necessarily imply sponsorship, endorsement, or approval or arrangement between us and the owners of those websites. We take no responsibility for any of the content found on the linked websites.

Our website may contain information or advertisements provided by third parties for which we accept no responsibility whatsoever for any information or advice provided to you directly by third parties.

SECURITY

When you use our Website or App, a secure server is used. Secure Sockets Layer (SSL) encrypts the information you send through this web site. We do not control SSL and cannot guarantee the strength or effectiveness of that encryption.

LIMITATION OF LIABILITY

You agree and acknowledge that we are not liable for any direct, indirect, consequential or incidental loss or damage which may result directly or indirectly from your use of the Services, our website, any Event, or Reward.

You acknowledge and agree that we are in no way responsible for the conduct of any third-party provider involved in the delivery of services or products in response to your fredemption of Reward. We are also not affiliated with or responsible for any venue, event organizer, location or activity that may occur at, or during redemption of any Reward.

This limitation of liability clause includes any reliance by you on the information on the website, access to or inability to use the website. You assume all risk in using the Services and we cannot be liable for your use of or reliance on any Services. While we endeavour to keep the website up-to-date and correct, we make no representation or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to any of the Services for any particular purpose and provide it for your informational purposes only. Any reliance you place on such information is therefore strictly at your own risk.

In addition, we will in no way be liable to you for any direct, indirect, incidental, special, or consequential loss or damage of any nature or type (including but not limited to any physical, mental or emotional injury, loss of opportunity or revenue, insolvency, or any other issue) which may arise as a result of your use of or reliance on this website, or anything related directly or indirectly to your use of any information or Services on or through this website.

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

No agency, partnership, joint venture, or employment is created as a result of these Terms, and you do not have any authority of any kind to bind us in any respect whatsoever.

DISCLAIMER - EVENTS

TThe information, including financial information presented at any Event is for general information purposes only. Whilst we endeavour to keep information up to date and correct, we make no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, suitability or availability with respect to the information, products or services. Any reliance you place on such information is therefore strictly at your own risk. You need to make your own enquiries to determine if the information or products or services are appropriate for your intended use.

We are in no way to be held liable, directly or indirectly for any loss, injury, emotional distress or any other loss or damage that may result from any reliance on any information, activity or otherwise directly or indirectly related to your attendance at an Event.

To the extent that our liability cannot be excluded by law, our maximum liability to you will be limited to the cost of the Event attended by you.

DISCLAIMER – REWARDS

Members may redeem any Reward they are eligible for via our Website or App. We have no control over the delivery of Rewards, and therefore you agree that we are not liable for any loss, damage, cost or expense that you suffer or incur as a result of or in connection with your participation. Your use of redeemed Rewards is governed by the specific terms and conditions of the respective Third Party as shown on the Third Party's web site. Since you are bound to the Third Party's terms and conditions, you should read them before proceeding with use of the redeemed Reward.

In addition, we are not responsible for any actions or inaction of any third party associated with the venue or mode of delivery of the Reward, any food or alcohol consumed, any loss or damage that occurs whether direct, indirect, consequential or incidental related to any Reward.

To the extent that our liability cannot be excluded by law, our maximum liability to you will be limited to the amount of Points used by you for your participation in the Reward.

COOKIES

Cookies are small pieces of data stored on the web browser on your computer. This website and associated websites (including those you reach by clicking on advertising) may store cookies on your web browser.

INDEMNITY

You agree, by using our Website and App, to defend and hold us, directors, employees, agents and third parties against any claims, causes of action, debts, losses, costs, liabilities and expenses (including reasonable legal fees) relating to or arising out of (a) your use of or inability to use the Website and App; (b) any Reward you redeem (including, but not limited to any cancellations, injury or death due to participation); (c) your breach of any Terms or your violation of any rights of a third party; or (d) your violation of any applicable laws, rules or regulations.

We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with use of this website or an external site. You must take your own precautions to ensure that whatever you select for use from this website is free of viruses or anything else that may interfere with or damage the operation of your computer systems.

DISPUTES

You acknowledge and agree that Reliance Rewards Club is a complimentary Service to enable you to enjoy various benefits in the way of Rewards. If you have any dispute in relation to the amount of Points you have accrued, or any other complaint, please email us here membership@reliancerewardsclub.com.au. Whilst we will endeavour to resolve disputes quickly and satisfactorily, in the event a dispute is not resolved, then you agree not to take further action.

INTELLECTUAL PROPERTY

All custom graphics, icons, logos and service names are registered trademarks, copyright, trade or service marks of ours. All other trademarks or service marks within this website are the property of their respective owners. Nothing in these Terms grants you any right to use any trademark, service mark, logo, and/or our name or any third-party content.

You are solely responsible for obtaining written permission before reusing any material that is available on this website. Any unauthorized use of any materials appearing on this website, including content submitted by third parties, may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.

GOVERNING LAW

These Terms are governed by the laws of NSW which are in force from time to time and both you and we agree to submit to the non-exclusive jurisdiction of the Courts of NSW for determining any dispute concerning these Terms.

What's in it for you

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  • Air tickets
  • Weekend getaway for family
  • Adventure experiences
  • Beauty Salon vouchers
  • Gift vouchers at participating merchants
  • Gold Class movie tickets
  • Sessions with professionals (Career, Personal Mentoring)
  • Dinner Vouchers

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