Product Disclosure Statement

Community CashBack Card™ - Aged Care Employee Benefits Program

Technocash Pty Ltd (ABN: 20 080 109 217)

• Phone: +612-9687-1900
• Fax: +612-9687-1911
• Level 5 ANZ Building, 20 Smith St, Parramatta, NSW, Australia, 2150
• PO Box 618, Parramatta, NSW, Australia, 2124
• Email: info@technocash.com
• Website: www.communitycashback.com.au
• Australian Financial Services Licence No: 247299

The following is a brief summary of some of the features of your Community CashBack Card. Much more than just a Card - it is a flexible, multi-purpose financial account able to hold and transfer money - also acting as your administrative hub for all your member benefits:

• Cash Rewards: Ask for CashBack from any of our participating businessess, look for the IMSE Loyalty terminals.
• You are Informed: SMS and email notification that CashBack funds are being processed.
• Mobile CashBack: Merchant can even provide CashBack to you using their mobile phones. No one has to miss out.
• Shopping Power: Use funds in your CashBack Card to shop at participating merchants with the IMSE Loyalty terminal.
• No Internet Needed: Our IMSE Loyalty terminals provide access to your Balance, Transaction History, and many, many other functions so use of the Internet is not required.
• Card is Ready to Use: While you can use your card immediately, please register your card within 30 days to ensure you gain all the member benefits available.
• Easy Card Registration: Using any IMSE Loyalty terminal, select Register then enter your mobile number and desired PIN. (Change PIN function is also available.)
• Full Registration: See the registration web page and complete all fields to secure your account details. If you have a printed registration form, please complete it and fax or mail it to us.
• Access your Cash: Money received can be banked out conveniently via your account's 'To_Bank' service.
• Instant Payments: Transfer funds for free from your CashBack Card to other local cards.
• Add Funds: Load funds by Internet banking, at bank branches, or at Australia Post branches.
• Great Record Keeping: Our extended transaction history provides all your information.
• More Product Value: Use your CashBack to purchase additional products and specials, and earn CashBack on your CashBack! (Subject to merchant product offerings and availability.)
• Private Messages: Free, secure and confidential messaging system from your CashBack Card to other cards.
• Communicate: Send single or bulk mobile SMS’s from your CashBack Card login to hundreds of countries.
• Easy Admin: You can log in and update your details without any paperwork or postage.
• Shopping Directory: Keep updated about offers from participating stores and businesses via the website.
• Rewards on Rewards: Pay as normal to benefit from existing payment rewards programs and you still get Community CashBack as well. (E.g. some credit card schemes provide independent credit card usage rewards such as points, cashback or special offers.) You can increase your rewards.
• Features: Low cost services to save you money when sending funds to the USA, New Zealand and other countries.
• Collect Funds: Your account has additional payment references to allow you to collect payments. Log in and see the Deposit funds section.
• Membership Advantages: Some cards are supplied via organizations, allowing them to better connect to you, their member, and more easily provide benefits.
• My Account: Log in to see all the features of your account - set up, view and edit. (E.g. review your memberships, adddress, mobile...)
• Auction Sellers: Pay directly for auction items to our participating auction sellers.
• No Transaction Limits: Fully verified accounts can hold and send out unlimited amounts.
• International Currencies: Your account lets you receive and hold most major currencies. With an upgrade to Global or Global FX multi-currency account you transfer your money locally and internationally.
• PIN Number: You can register a PIN number to secure your purchase and withdrawals.
• Growing Member Base: Gain the benefits of our growing card base for more access and services.

How much CashBack for me?

** Not all stores may be available in your area and CashBack offers vary. Please let us and your local stores know about the Community CashBack Card so we can try to sign up more stores for you.

The benefits of the Community CashBack Card are available via the IMSE Loyalty terminals, enabled merchant's mobile or web services and when you log in using your password and card number. Our websites contain more information on the features and benefits of this product and other Technocash products, including our full Terms and Conditions for all card types.

Our Retail Terms and Conditions (if you are on the web click here..) state: 'Technocash reserves the right to decline to allow the Retail BillFold to use the Technocash Payment System to sell goods and services if Technocash, in its sole discretion, determines that the whole or substantial whole of the Retail BillFold's business is for the sale or licence or membership fees of products that require the customer to be of a required age such as alcohol, cigarettes, gambling, or adult products and sites.'

Online sales of products such as those mentioned above are not supported. Technocash also allows its customers to work with prepaid funds and does not promote credit. These features make TECHNOCASH online transactions suitable for all ages.

Technocash primarily uses cash (not points) as the rewards medium since cash provides a clear and open disclosure of the value you receive.

Risks associated with the TECHNOCASH stored value system are summarised on the Security and Risks page of our website via the Securities and Risks link.

Risks arise when using any Internet facilities. The key safeguards are shown prior to logging in to your CashBack Card. If you are on the web you would click on the Login link.

Key risks are as follows:

• Only trust Technocash websites for your transactions and login. You can check whether the site you are using is an authentic Technocash site by verifying our SSL digital certificate from your browser.
• Your password allows access to the funds on your CashBack Card and other features and functions. Never give anyone your password, your optional spend password, or any other passwords. Choose your password carefully, do not record it electronically or otherwise, do not use obvious things such as your name, pets name, phone number or birth date as part or all of your password/s.
• Your login details may be sent to you via email or as part of an introduction kit delivered by post. You must log in to your facility and change the initial password, otherwise you risk your password becoming known to others.
• It is always risky to use an Internet login facility on any computer provided by another, for example at public Internet kiosks.
• It is your responsibility to ensure that any passwords you use are sufficiently complex or unique so that others cannot guess them. We have long password fields and you can and should change passwords regularly and add separate passwords for various facilities.
• TECHNOCASH systems are based on irrevocable payments. When sending funds you have a confirmation stage during the transaction process and you are responsible for your completed transactions. This is also considered a benefit for the person being paid.
• If you fail to enter information into your CashBack Card’s 'My Account' section or the information you provide is insufficient or, incomplete or out of date, it can be hard to identify you for customer service requirements.
• When making payments involving bank accounts please leave enough time for inter-bank clearance and credit card deposit cycles.
• There is a risk of operator error on the part of participating merchants that could affect your CashBack Transaction processing or value. You should review any CashBack you receive by logging in to your CashBack Card and notify the relevant participating merchant in the case of any discrepancy.

Organisations who are involved in providing cards to members may receive a negotiated share of processing fees so that the Community CashBack program supports their good work or charitable endeavours. Not for profit organisations and other businesses are also able to benefit.

Franchisees and their staff, Technocash Agents, Distributors and authorised representatives, are trained and authorised to sell Technocash products, and may earn commissions for specific card activities.

If you wish to check whether a person is authorised you can check our website. If you are on the website Click here.

Handling complaints and resolving disputes quickly and fairly is very important to us and our customers. Technocash has an internal complaints handling and dispute resolution system and is also a member of the Financial Ombudsman Service (FOS), our independent and impartial ASIC-approved External Dispute Resolution Scheme.

If you are an owner of a Technocash product and have a complaint, you should contact Technocash via any of the following methods:

Our system has strict target timeframes for the resolution of disputes. If you feel your complaint has not been satisfactorily handled or resolved following our internal process you can contact the FOS, whose contact details are as follows:

Address: GPO Box 3, Melbourne, VIC, 3001
Phone: 1300 78 08 08 (Mon to Fri 9am-5pm AEST)
Fax: (03) 9613 6399
Email: info@fos.org.au
Web: www.fos.org.au

We have a dispute resolution policy and you can contact us via phone, fax or email for a copy or more information. If you are on the internet, we are also able to provide you with our dispute resolution policy in PDF form Click here.. We also have a dedicated webpage for your feedback Click here..

There is an initial cost to buy a card and nil monthly fees to hold the active account. Fees and charges relating to transactions are charged. Technocash charges often depend on the type of card held and if you upgrade your card type please see the relevant Product Disclosure Statement. If you are on the web please click on the Fees and Charges link.

As you use a particular feature or confirm a transaction, we try to provide notice of the relevant fees and charges. The fees and charges below are based on your Community CashBack Card’s home currency and where applicable are GST inclusive.

Technocash also sells products such as mobile phone recharges: Please log in to your CashBack Card to see the prices, range, and quantity of available products.

CashBack Cardholders agree to pay the applicable fees and charges. All fees and charges shall be debited from the customer’s CashBack Card in the appropriate home currency, subject to any applicable fee and charge for the debiting of the outstanding amount, unless otherwise agreed.

Our fees and charges are subject to change. Your CashBack Card will receive a secure message about any increase to fees and charges 30 days before they come into effect if in Australia. This same personal messaging system will also be able to inform you of other changes, such as to your CashBack Card's features, functions, and terms and conditions.

The following are the significant Terms and Conditions that apply to you as a Technocash customer. You can also explore the legal section on our website to view our full Terms and Conditions.

Customers can only receive CashBack where they use their Card for purchases at a merchant participating in their CashBack program powered by TECHNOCASH. CashBack generally applies to all goods and services offered by participating merchants unless the participating merchant specifies that CashBack does not apply.

CashBack Transactions are subject to review and modification by the participating CashBack merchant. Notwithstanding any prior email or SMS to the customer, the merchant's review and modification of sale value is generally final and binding on the customer.

Approved CashBack Transactions result in a cash refund to the customer's CashBack Card for a percentage of the purchase price. The refund is generally a minimum 10% of the purchase price. This percentage or amount may vary from retailer to retailer. CashBack will be available not less than 2 business days after the CashBack Transaction is processed.

For SMS notification of CashBack Transaction processing sent to a customer’s mobile phone Technocash accepts no responsibility for the failure of any SMS to arrive where: such failure is due to any telecommunications provider failing to process the relevant SMS; the SMS is delayed due to congestion; or for other reasons. Technocash further accepts no responsibility for the failure of any notification email to be sent or received.

Information contained in any SMS or email notification received by the customer in relation to a CashBack Transaction should not be solely relied upon as an indication of the actual or pending value of any CashBack due to the customer. The only accurate indication of actual or pending CashBack funds is the information provided to the customer inside their CashBack Card login. Customers should regularly log in to their CashBack Card to check the actual values of available and pending CashBack funds for their particular CashBack Cards.

Where you have received CashBack from a purchase and later seek a refund from the retailer, you agree that you are only entitled to the purchase price less the CashBack amount already received, and should assist the retailer by not attempting to obtain a full refund. Where you have received CashBack from a purchase and later obtain a refund for the full purchase price, Technocash may reverse the CashBack received by you for that CashBack Transaction from available or future CashBack funds received by you in order to credit the funds back to the retailer.

Customers are only entitled to receive CashBack once per CashBack Transaction. Technocash reserves the right to reverse CashBack funds that are pending or have been credited to a customer’s CashBack Card where it is determined that the CashBack Transaction was compromised by operator error. If a customer fraudulently obtains CashBack more than once on any one CashBack Transaction Technocash can reverse any funds as appropriate, cancel the customer’s CashBack Card, and pursue legal remedies for recovery of funds. Technocash retains at all times the right to reverse payments and pursue legal remedies where a customer is the recipient of fraudulent funds.

All monies received for deposit to CashBack Cards and other Technocash BillFolds other than customer initiated transactions are non-refundable and will be held in a bank account ("accounts") by Technocash subject to a mortgage over the accounts held on trust for each customer ("Technocash Customer Trust") by the Technocash Trustee, pursuant to a Security Trust Deed between the Security Trustee and Technocash dated 19 November 2003 and registered with ASIC with allotted charge number 997227 on the 25th November 2003, for the protection of each customer. Monies in the accounts will only be withdrawn as follows:

1. in accordance with these Terms and Conditions; or
2. for the payment of fees (including bank fees) and charges which Technocash incurs in respect of the Accounts.

Each CashBack Card has a BillFold Identification Number, or if approved by Technocash, an applicant will be issued with a BillFold Identification Number. Your BillFold Identification Number will not change except in exceptional circumstances and then only with the express agreement of Technocash. BillFold Identification Numbers are transferable. It is the customer’s sole responsibility to ensure that their CashBack Card is not transferred without their consent.

Technocash does not represent or guarantee that access to CashBack Card logins or the Technocash service will be uninterrupted. Customers acknowledge that access to their CashBack Card login and the Technocash service may be affected by outages, faults and delays however caused.

Technocash may at any time add to, remove, change, vary, or impose conditions upon the functions of CashBack Cards in any respect without limitation.

Card Renewal
Each CashBack Card has a renewal date of up to 3 years from the date of issue. If your Card has been issued in conjunction with your social club, union or organisation, the renewal date is determined by them. Contact Technocash to renew your Card. You cannot receive CashBack to a Card that has not been renewed, however you can still access existing funds and services. Monies in a CashBack Card that has not been renewed and has had no login activity for 365 days become the sole property of Technocash and are not to be covered under the Technocash Customer Trust.

Technocash aims to maintain transaction records indefinitely, however Technocash is only required to maintain transaction details in CashBack Cards for a period of 2 calendar years (or part thereof).

Customers’ use of their CashBack Card is an express acknowledgement of the intellectual property ownership of Technocash in respect of the Technocash Payment system, BillFold, and trademarks.

Technocash is not liable for any loss or damage arising from customers’ operation of their CashBack Cards.

CashBack Cardholders' login process and any ongoing use of their CashBack Card is an agreement to abide by the CashBack Terms and Conditions and any other applicable Terms and Conditions with Technocash as amended and posted on the website from time to time.

This PDS is up to date as of the date of its preparation as indicated in the header of the document. This PDS may be updated without the need to notify you if the updated information is not materially adverse to you. Any updated information may be obtained at any time from Technocash Pty Ltd for no charge.