Cashpoints Terms and Conditions

These Terms were last updated on 13 October 2025.

Cashpoints is the Loyalty Programme that Cashpoints New Zealand Limited (“Cashpoints”, “we”, “us”, or “our”)  provides in conjunction with Participating Retailers.

In return for you joining the Loyalty Programme and receiving the Benefits, you agree to these Terms. In these Terms, any person who joins the Loyalty Programme as a Cardholder and utilises the Benefits is referred to as “you” or “your”.

If you do not agree to all of these Terms, you should not apply to join, access, or use the Loyalty Programme and receive the Benefits. If you have already joined the Loyalty Programme and the Terms change in a way you do not agree with, then you should cease your use of the Loyalty Programme, stop receiving the Benefits and terminate your Account in accordance with these Terms.

If you apply to join, access, or use the Loyalty Programme and receive the Benefits, you agree that we can collect your personal information and use it for various purposes in accordance with our Privacy Policy and the New Zealand Privacy Act 2020. We may share your personal information with certain Participating Retailers where you give us your consent in accordance with the Privacy Policy. For more information, please read our Privacy Policy.

If you require further information on these Terms or have any questions, please email us at admin@cashpoints.co.nz.

Definitions 

In these terms and conditions, the following terms are defined as:

“Account” means an account accessible through the Websites, which is linked to a person and through which that person can manage the collection and spending of Points. To the extent you access your Account through a mobile application, you will need to review and agree to the application’s terms and conditions;

“Additional Cards” has the meaning given to it in the paragraph under the heading “Additional Cards”;

“Benefits” means the opportunity to participate in the Loyalty Programme, the ability to collect and spend Points, access the Account, and any other services we may provide to you from time to time;

“Business Day” means a day of the week, other than Saturday, Sunday or a public holiday in Auckland, New Zealand;

“Cardholder” means the holder of an Account with us;

“Cashpoints Card” means the physical or virtual card that is provided to you by us (or otherwise available at Participating Retailers) which will enable you to collect and spend Points;

“Group Account” has the meaning given in the “Group Account” section of these Terms;

“Group Owner” has the meaning given in the “Group Account” section of these Terms;

“Loyalty Programme” means Cashpoints’ rewards programme where you can collect and spend rewards through the purchase of certain goods or services or participating in certain activities, all in accordance with these Terms;

“Participating Retailer” means a provider of goods and/or services that participates in the Loyalty Programme;

“Participating Retailer’s Points Terms” means the terms and conditions which a Participating Retailer may impose on: (a) the number of Points that can be awarded; (b) which goods and/or services it offers are Qualifying Goods and/or Services; (c) which activities are Qualifying Activities; and (d) any other specific conditions which apply;

“Points” means the rewards that can be collected for purchasing certain goods and/or services or participating in certain activities, and can be utilised in the purchase of certain goods and/or services at retailers who have agreed to participate in the Loyalty Programme. Each Point is worth the Points Value;

“Points Value” means one New Zealand cent inclusive of GST (if any);

“Pooled Points” has the meaning given in the “Group Account” section of these Terms;

“Privacy Policy" means the policy located on our Websites, as updated by us from time to time;

“Qualifying Activities” means the activities that you must engage in with a Participating Retailer to collect Points;

“Qualifying Goods and/or Services” means the goods and/or services that you must purchase at a Participating Retailer to collect Points or which you may spend Points on as part of your purchase price for those goods and/or services;

“Terms” means these terms and conditions, as updated by us from time to time;

“Websites” means our website at www.cashpoints.co.nz (or any other replacement URL) or any mobile applications that can be used to receive the Benefits (subject to separate application terms and conditions);

How to join

To join the Loyalty Programme, you must:

• be an individual person who lives in New Zealand and is aged 13 years or older;

• complete an application form on the Websites (“Cashpoints Application”); and

• either obtain a Cashpoints Card from a Participating Retailer (where you want a Physical Card) or access through the Websites (where you want a virtual Cashpoints Card).

We may accept or refuse any Cashpoints Application in our absolute discretion.

You will be notified by email whether we have accepted the Cashpoints Application or not.  Where we have accepted your Cashpoints Application you will be allocated an Account and considered a Cardholder. When we notify you that we have accepted your Cashpoints Application your Cashpoints Card will be activated and you can begin spending Points on Qualifying Goods and/or Services or Qualifying Activities with Participating Retailers. Please note that if you have a physical Cashpoints Card you can start collecting Points before we accept your Cashpoints Application, however those Points cannot be spent until your Cashpoints Application is accepted. If your Cashpoints Application is not accepted, then any Points you have collected will be cancelled and you acknowledge that we have no liability to you.

Your Cashpoints Card is allocated a 4-digit PIN. The PIN is written on the back of your card or otherwise accessible through your Account. To spend Points as a form of payment (or part payment) for purchases of Qualifying Goods and/or Services at Participating Retailers you may be prompted to enter your PIN. If the PIN is not correct, then you will not be able to spend your Points.

The balance of your Points can be checked on your Account.

A list of current Participating Retailers can be found on the Website. The Participating Retailers are subject to change at any time without prior notice. We recommend that you regularly review the Website to check for changes. Your Cashpoints Card will not be able to collect or spend Points on goods and/or services at a retailer if they cease to be a Participating Retailer.

What are your obligations

You should not have more than one Account (but you may hold Additional Cards). 

The Account and the Cashpoints Card are personal to you. You cannot transfer your Account or your Cashpoints Card or sell it (or the Points on it) to another individual – however, you are able to add Additional Cards or join a Group Account in accordance with these Terms.

Your participation in the Loyalty Programme and receiving the Benefits is free of charge. Except to the extent set out in these Terms, neither we, nor any Participating Retailer, may charge you in relation to your participation in the Loyalty Programme (however, any tax liability arising from your participation in the Loyalty Programme is solely your responsibility).

You agree that:

• you will provide us with true and correct information in your Cashpoints Application;

• you will not use your Account or Cashpoints Card for an illegal or unauthorised purpose;

• you will notify us immediately of any change in any of the details submitted with a Cashpoints Application or that have been subsequently updated by you.

You are responsible for the security of your Account and Cashpoints Card, including security details such as the PIN associated with your Cashpoints Card. We will not be responsible for any loss arising from your failure to keep your Account or Cashpoints Card secure.

We may need to disclose your information (including personal information in accordance with our Privacy Policy) to satisfy our legal obligations or where required to manage fraud, security breaches or other improper use of your Account or Cashpoints Card. This includes disclosing to Participating Retailers where we, or a Participating Retailer, reasonably believe your Account or Cashpoints Card is being used fraudulently, has been subject to a security breach, or is being used in breach of these Terms. We may also inform relevant law enforcement or regulatory authorities when required for a legal or regulatory purpose – for more information see our Privacy Policy.

Collecting and spending Points at Participating Retailers 

Each Participating Retailer will have its own Participating Retailer’s Points Terms. If you are unsure of the Participating Retailer’s Points Terms you should check with the Participating Retailer.  

Points collected by you will be added to the balance of Points in your Account after the Participating Retailer has notified us of the details of the relevant purchase. Points collected by you on a purchase cannot be spent until we have been notified of the details of the purchase.  To avoid doubt, while Points are worth the Points Value, they cannot be exchanged for cash – Points can only be used for the payment (or part payment) of goods and/or services at Participating Retailers.

If you collect Points in error and the Participating Retailer notifies us of this, then we may adjust your Points balance. If you don’t have sufficient Points to allow for a full adjustment, then the adjustment will only apply to the extent you have sufficient Points.

If you spend Points in the payment (or part payment) of goods and/or services at a Participating Retailer, and you later seek a refund from the Participating Retailer, then that refund will be dealt with directly by the Participating Retailer without the need to adjust your Points balance.

Complaints related to the collection or spending of Points should be promptly directed to the Participating Retailer in the first instance. If the Participating Retailer cannot resolve your complaint, then they must, within 5 Business Days of you making a complaint, notify us. If we cannot resolve your complaint with reference to the information provided by the Participating Retailer, then our liability to you will be limited to an amount reasonably determined by us.

Points can only be collected and spent in New Zealand.

Further information about collecting and spending Points is set out in the Website - cashpoints.co.nz 

Additional Cards

Once your Cashpoints Application to be a Cardholder has been accepted, you can apply to add additional Cashpoints Cards (Additional Cards).

All Points collected by you (including on Additional Cards) will accrue to your Account. You acknowledge that any person using a Cashpoints Card registered to you may spend those Points as a form of payment (or part payment) for purchases of Qualifying Goods and/or Services at Participating Retailers.

Additional Cards may be cancelled by you at any time. 

To the extent that you provide Additional Cards to another person then you agree you are responsible for that person’s use of the Additional Cards. You will be responsible for all activity carried out on Additional Cards as if that activity was carried out by you.

Group Account

If you have an Account, you can be invited by another Account holder to link your Account with other Account holders and create a group account (“Group Account”). Group Accounts allow people to link their Accounts and collect Points together (“Pooled Points”), with each being a member of the Group Account. You can create a Group Account by following the prompts in your Account, through the Websites or contacting us at contact@cashpoints.co.nz.   

Group Accounts must have an ‘owner’, who is the person that first establishes the group and is the only person able to invite others to join that Group Account (“Group Owner”). Any member of a Group Account can spend the Pooled Points at Participating Retailers (including Points that you have collected and brought to the Group Account). While your activity can be identified separately from other members of a Group Account, you agree that the information of or spending behaviours of Group Account members will be able to be viewed by all members of that Group Account.

If you join a Group Account, you appreciate that the behaviour of any other member of a Group Account may affect the Pooled Points balance of that Group Account. Further information is set out on the Website - cashpoints.co.nz.

If you want to remove your Account from a Group Account, you can do so by following the prompts in your Account, through the Websites or contacting us at contact@cashpoints.co.nz. Once you have been removed from a Group Account, the Pooled Points associated with you (if any) will not be able to be spent by members of the Group Account you belonged to. If you ask us to remove you from a Group Account, we will use reasonable endeavours to do so promptly but it may take up to 48 hours to process your request. To the extent that the Pooled Points associated with you have been spent before your request to remove your Account from a Group Account has been actioned, you agree and acknowledge that we are not responsible for the loss of Points.

The Group Owner is able to delete the Group Account on behalf of all members. If the Group Owner deletes the Group Account, then the ability to spend Pooled Points will cease and you will only be able to spend the Points in your individual Account at the time of deletion (if any). To the extent that the Pooled Points have been spent before the request to delete a Group Account has been actioned, you agree and acknowledge that we are not responsible for the loss of Points.

Compromised Account or Cashpoints Card

If you suspect that your Account has been accessed in an unauthorised way, then you must contact us at contact@cashpoints.co.nz or so that we can take steps to freeze your Account. If you ask us to freeze your Account, we will use reasonable endeavours to do so promptly but it may take up to 48 hours to process your request. Following your Account being frozen, you will need to apply to create a new Account by completing a new Cashpoints Application. We will use reasonable endeavours to transfer the Points in your Account at the time we freeze it, to your new Account.

If you suspect that any Cashpoints Card associated with your Account is lost or stolen, you must immediately de-activate that Cashpoints Card via the prompts in your Account (or otherwise notify us by contacting us at contact@cashpoints.co.nz, so that we can deactivate it for you) and request to add an Additional Card to your Account. If you ask us to deactivate your Cashpoints Card, we will use reasonable endeavours to do so promptly but it may take up to 48 hours to process your request.

The process to freeze your Account or replace your Cashpoints Card is set out on the Website - cashpoints.co.nz.

Unless we have failed to do something that we have committed to do and this has caused the unauthorised access to your Account or the loss of Cashpoints Card connected to your Account, we are not responsible for any loss of Points arising in relation to unauthorised access to your Account or a lost or stolen Cashpoints Card. Accordingly we cannot guarantee that all Points collected prior to the date of the unauthorised access to your Account or loss or theft of the Cashpoints Card will be available for spending on a replacement card.

Expiry of Points

Cashpoints expire three (3) years from the end of the month in which they are earned. Once Points have expired, they cannot be spent and will debited from your Points balance.

Further information can be found on the Website - cashpoints.co.nz.

Changes to these Terms

We may change or update these Terms from time to time. The change will be effective upon the posting of updated terms on the Website or otherwise notifying you in writing (including by email). When we update these Terms on the Website, we will amend the “last updated date” set out at the start of these Terms and otherwise make it clear on the Website that these Terms have been updated. You should ensure that you have read and understand the most recent Terms posted on the Website or otherwise notified.

We will give you 3 months of a change that we consider will reasonably impact you.

By continuing to use the Loyalty Programme and receive the Benefits after an update to these Terms, you are agreeing to be bound by the new terms. If you do not agree to the latest set of Terms, you must not use the Loyalty Programme and immediately terminate your relationship with us.

Termination

We reserve the right, in our absolute discretion, to terminate the Loyalty Programme and the Benefits you receive at any time. We will provide you with at least 3 months’ notice before we terminate the Loyalty Programme. During this period, you will not be able to collect Points, but you will be able to spend Points that you already accrued. At the conclusion of this notice period, the Loyalty Programme will end, all Points will be cancelled, your Account will be terminated, and all Cashpoints Cards (including Additional Cards) will be deactivated.

You may at any time request that we terminate your Account and Cashpoints Card by following the prompts in your Account, through the Websites, or contacting us at contact@cashpoints.co.nz. Once we have processed your request, your Account will be terminated, your Cashpoints Card will be deactivated, and all Points will be cancelled. Any Additional Cards will be deactivated at the same time that your Account and Cashpoints Card is terminated.

If we become aware of your death, then your Account will be terminated, your Cashpoints Card (including Additional Cards) will be deactivated, and any unspent Points will be cancelled. If we receive a written request from the executor of a deceased person’s estate to transfer Points, then this will be reasonably considered by us.

We may suspend your Account and any associated Cashpoints Card at any time without prior notice if we reasonably believe that you:

• have materially breached these Terms;

• have provided misleading information to us or a Participating Retailer in connection with the Loyalty Programme and receiving the Benefits; or

• have abused the Benefits you receive.

If your Account and any associated Cashpoints Card are suspended, then you will not be able to collect or spend Points. If, following 30 days’ notice to you that we have suspended your Account and associated Cashpoints Cards, you are unable to reasonably rectify the reason, then your Account will be terminated, your Cashpoints Card deactivated, and all Points cancelled.

To avoid doubt, upon termination of your Account and Cashpoints Card for any reason, you will not be able to spend any Points that were otherwise available to you.

Liability

To the maximum extent permitted by law (including the Consumer Guarantees Act 1993), you agree that we are not liable to you for any:

• delay in establishing or re-establishing your Account;

• refusal to accept your Cashpoints Application;

• delay in supplying or replacing a Cashpoints Card;

• delay in processing your request to add or delete an Additional Card;

• delay in processing your request to create, join or leave a Group Account;

• actions taken by a Group Owner in relation to a Group Account;

• unauthorised use of your Account or Cashpoints Card (including your PIN) that occurs prior to you telling us and then for 48 hours after you notify us;

• failure by you to notify a Participating Retailer that a purchase is for Qualifying Goods and/or Services or you have engaged in a Qualifying Activity, and you can collect or spend Points (or vice versa);

• delay or failure by a Participating Retailer to notify us of the details of the purchase of a Qualifying Goods and/or Service or a Qualifying Activity;

• delay or failure by a Participating Retailer to meet the Participating Retailer’s Points Terms;

• failure to notify you of any changes to the list of Participating Retailers; or

• unspent Points that you have failed to spend at the time of termination

To the maximum extent permitted by law, and except where you have a complaint that is referred to us by a Participating Retailer in relation to the collection or spending of Points (in which case our liability to you is limited in all cases to an amount reasonably determined by us), where our liability cannot be excluded, our liability to you:

• for all Cardholders is limited in aggregate to the value of the Points held in the relevant Account at the time the event of liability arises; and

• notwithstanding the bullet-point above, where you are in a Group Account, is limited in aggregate for all members of the Group Account collectively to the amount of the Pooled Points balance at the time the event of liability arises.

To the maximum extent permitted by law, we are not liable for any consequential, indirect or special damages of any kind arising from your use of the Loyalty Programme or receipt of the Benefits.

You agree that all intellectual property rights associated with the Loyalty Programme (including materials and data generated because of the Loyalty Programme) belong to us or our licensors.

These Terms will be governed and construed in accordance with the laws of New Zealand. You consent to the exclusive jurisdiction of the courts of New Zealand in connection with any legal action that may arises in relation to these Terms and/or the Loyalty Programme.