Membership Terms & Conditions

Bullion Club Australia Pty Ltd

These Terms & Conditions (“Terms”) apply to all Bullion Club Australia memberships, member benefits, Bullion Clubhouse access, physical and digital prize draws, promotions, referral programs, Cents2-related benefits, billing arrangements and related services provided by Bullion Club Australia Pty Ltd (“BCA”, “Bullion Club Australia”, “we”, “us” or “our”).

By purchasing, accessing or using any Bullion Club Australia membership, website, platform, promotion, benefit or service, you agree to be bound by these Terms.

2. BULLION CLUB MEMBERSHIP

Bullion Club Australia currently offers the following membership plan:

BCA MEMBERSHIP

$9.99 AUD per month

Includes:

Earn Gold Cash back from 1,000 Well Known Brands Online (Via Cents2)
Invest Your Spare Change Into Gold & Silver Investing (via Rounds ups on the Cents2 Platform)
Receive monthly Digital Gold Deposits for Top Spenders ($25, $50, $100)
Free $5 Gold Sign Up Bonus via Cents2
10 Free Entries into monthly gold & silver giveaways

3. MEMBERSHIP ELIGIBILITY

Membership is available only to individuals aged 18 years or older.

By purchasing a membership, you warrant that:

* you are legally capable of entering into binding agreements;

* all information provided is accurate and complete;

* you will comply with all applicable Australian laws and regulations; and

* you will not use the membership or services for unlawful, fraudulent or abusive purposes.

Bullion Club Australia reserves the right, at its sole discretion, to refuse, suspend, restrict or terminate any membership where reasonably necessary for legal, operational, fraud prevention, security or community protection purposes.

4. PAYMENT & BILLING

All pricing is displayed in Australian Dollars (AUD).

Membership fees are charged on a recurring monthly basis unless otherwise stated.

By purchasing a membership, you authorise Bullion Club Australia and its approved payment providers to automatically debit the nominated payment method for recurring membership fees and any applicable charges.

Payments may be processed securely through third-party providers including, but not limited to:

* Stripe

* Wix Payments

* other approved payment gateways

Bullion Club Australia does not store full payment card details.

If payment is declined, reversed, disputed or otherwise unsuccessful:

* membership access may be suspended or cancelled;

* member benefits may be paused or forfeited; and

Bullion Club Australia reserves the right to amend membership pricing, fees, inclusions or structures at any time by providing at least thirty (30) days’ prior notice.

Membership benefits commence once payment has been successfully processed and the membership account has been activated by Bullion Club Australia.

5. CANCELLATION & REFUNDS

Members may cancel their membership at any time by contacting Bullion Club Australia directly via the support email: support@bullionclubaustralia.com.au

Cancellation prevents future recurring charges only.

Except where required under Australian Consumer Law, membership fees, subscription payments, promotional fees and related charges are non-refundable.

Upon cancellation, suspension, expiry or termination of a membership, the member may immediately lose access to all Bullion Club Australia membership benefits, including but not limited to:

* Cashback in digital gold through the Cents2 platform;

* Gold and silver round-up investing features through the Cents2 platform;

* Monthly digital gold deposit benefits through the Cents2 platform;

* Referral programs and referral benefits;

* Promotional offers and member-only campaigns;

* Resources and community access; and

* Any third-party partner benefits associated with the membership.

Bullion Club Australia does not guarantee that any membership benefits will remain available following cancellation, suspension, expiry or termination of a membership.

Bullion Club Australia is not required to compensate members for unused membership periods, forfeited benefits or loss of access to membership features following cancellation, suspension, expiry or termination.

6. BULLION CLUBHOUSE ACCESS

The Bullion Clubhouse is Bullion Club Australia’s private member community platform.

Members must behave respectfully and lawfully at all times.

Members must not:

* harass, threaten or abuse other users;

* post misleading or deceptive information;

* spam or conduct unauthorised promotions;

* impersonate others;

* manipulate community systems or promotions;

* upload unlawful, harmful or inappropriate content; or

* engage in conduct that damages the community or Bullion Club Australia’s reputation.

Bullion Club Australia reserves the right to remove content, restrict access, suspend accounts or terminate memberships where community standards are breached.

All content, discussions, commentary and information provided within the Bullion Clubhouse are for general educational and informational purposes only.

Nothing within the Bullion Clubhouse constitutes:

* financial advice;

* investment advice;

* taxation advice;

* legal advice; or

* personal financial product recommendations.

7. FREE MONTHLY GOLD & SILVER GIVEAWAYS

As part of an active Bullion Club Australia Membership, members currently receive ten (10) complimentary entries into each eligible monthly Bullion Club Australia Gold & Silver Giveaway Promotion.

To receive and retain monthly giveaway entries, a membership must remain active, paid, and in good standing at the applicable giveaway entry cut-off time and at the time of the live draw.

If a membership is cancelled, suspended, terminated, refunded, reversed, disputed, or otherwise becomes inactive prior to the applicable draw, all associated giveaway entries for that draw may be voided at Bullion Club Australia’s discretion.

Monthly giveaway entries provided through a Bullion Club Australia Membership:

apply only to the current monthly giveaway promotion;
do not accumulate, roll over, or carry forward into future promotions;
reset at the commencement of each new monthly giveaway promotion; and
have no cash value.

Only one active membership is permitted per individual unless otherwise approved in writing by Bullion Club Australia.

Members may be offered opportunities to obtain additional giveaway entries through separate promotional campaigns, referral programs, bonus entry offers, purchases, giveaways, or other promotions conducted by Bullion Club Australia.

Any additional entries will be governed by the specific terms applicable to that promotion.

All Bullion Club Australia physical gold and silver giveaway promotions are conducted under separate Giveaway Promotion Terms & Conditions.

By participating in any giveaway promotion, members agree to be bound by both:

these Membership Terms & Conditions; and
the applicable Giveaway Promotion Terms & Conditions.

Where a conflict exists between these Membership Terms and the Giveaway Promotion Terms, the Giveaway Promotion Terms will prevail to the extent of the inconsistency.

Participation in any Bullion Club Australia giveaway promotion remains subject to all eligibility requirements, participant caps, promotion dates, winner verification requirements, prize claim requirements, redraw provisions, and other conditions contained within the applicable Giveaway Promotion Terms & Conditions.

Bullion Club Australia reserves the right to amend, suspend, modify, substitute, postpone, cancel, or discontinue any giveaway promotion where reasonably necessary for operational, legal, regulatory, security, fraud prevention, or commercial reasons.

Bullion Club Australia does not guarantee that any future giveaway promotion will occur, nor that any particular prize, prize value, prize frequency or promotion structure will remain available.

8. CENTS2 MEMBER BENEFITS

Bullion Club Australia has partnered with Cents2 to provide eligible members access to certain third-party benefits.

Cents2 is operated by One-Thirteen Holdings Pty Ltd.

Bullion Club Australia does not own, control, operate or manage:

* the Cents2 application;

* the Cents2 platform;

* cashback systems;

* digital gold or silver accounts;

* round-up functionality;

* bank-linking systems;

* reward calculations;

* user balances;

* payment processing; or

* app infrastructure.

Cents2-related benefits may include:

* cashback offers;

* retailer promotions;

* digital gold accumulation;

* digital silver accumulation;

* gold and silver round-up functionality;

* monthly digital rewards;

* Cents2-funded giveaways; and

* eligible sign-up bonuses.

All Cents2 services are subject to:

* Cents2’s own Terms & Conditions;

* Cents2’s Privacy Policy;

* third-party provider terms; and

* eligibility requirements determined by Cents2.

Bullion Club Australia makes no representation or warranty regarding the availability, accuracy, performance or continuity of Cents2 services.

9. CENTS2 SIGN-UP BONUS

Eligible BCA members may receive a $5 digital gold sign-up bonus funded by Cents2.

To qualify, members may be required to:

* register using an approved BCA referral link or referral code;

* activate the round-up feature;

* complete identity verification requirements;

* maintain an eligible account status; and

* satisfy any additional requirements imposed by Cents2.

The sign-up bonus is issued solely by Cents2.

Bullion Club Australia:

* does not fund the bonus;

* does not guarantee eligibility or approval;

* does not guarantee processing timeframes; and

* is not responsible for declined, delayed or unavailable bonuses.

Where a member successfully meets all applicable requirements, the $5 digital gold sign-up bonus will generally appear in the member's Cents2 digital gold wallet within approximately 24 to 48 hours after account verification, activation of the round-up feature, and satisfaction of all qualifying conditions. This timeframe is an estimate only and may vary.

Any questions, disputes, delays, eligibility determinations, or issues relating to the sign-up bonus must be directed to Cents2 and will be subject to Cents2's terms, conditions, policies, and approval processes.

10. MONTHLY DIGITAL GOLD DEPOSITS

Eligible BCA referred users may have access to monthly digital gold deposits facilitated through Cents2.

Current promotional values may include:

* 1st Place — $100 in digital gold (funded into there digital gold & silver wallet via the cents2 platform)

* 2nd Place — $50 digital gold (funded into there digital gold & silver wallet via the cents2 platform)

* 3rd Place — $25 digital gold (funded into there digital gold & silver wallet via the cents2 platform)

Gold deposit/reward eligibility may be determined based on:

* cashback activity;

* round-up activity;

* account status;

* referral attribution; and

* other activity criteria determined by Cents2.

Cents2 is solely responsible for:

* calculating eligible activity;

* selecting winners;

* determining eligibility; and

* distributing rewards.

Bullion Club Australia is not responsible for:

* app calculation errors;

* delayed rewards;

* account issues;

* platform outages;

* inaccurate tracking; or

* processing failures.

11. CASHBACK IN GOLD

Gold cashback is an exclusive benefit available only to active Bullion Club Australia (BCA) members who have successfully connected and activated their Cents2 account through Bullion Club Australia.

Eligible BCA members may receive cashback in gold when making qualifying online purchases through the Cents2 platform and participating retailers.

Gold cashback availability may vary and is subject to:

* retailer participation;

* transaction approval;

* tracking validation;

* purchase exclusions;

* processing timeframes; and

* Cents2 platform rules.

Bullion Club Australia does not guarantee:

* gold cashback eligibility;

* gold cashback approval;

* gold cashback amounts;

* cashback processing timeframes;

* retailer participation;

* transaction tracking accuracy; or

* the continued availability of any cashback offer.

* Gold cashback offers are administered by Cents2 and participating retailers. Bullion Club Australia acts solely as a referral and marketing partner and is not responsible for the administration, tracking, approval, calculation, or fulfilment of any gold cashback offers.

12. GOLD & SILVER ROUND-UP FEATURES

Round-up features are operated entirely through the Cents2 platform.

Members are solely responsible for understanding:

* how round-ups operate;

* linked account functionality;

* transaction rounding processes;

* digital asset allocation;

* associated risks; and

* third-party platform terms.

Bullion Club Australia does not control or guarantee:

* bank integrations;

* transaction syncing;

* digital asset pricing;

* allocation timing;

* app stability; or

* account functionality.

Any issues relating to round-up functionality must be directed to Cents2.

13. CENTS2 - DIGITAL GOLD & SILVER GIVEAWAYS

Cents2 may independently conduct giveaways, promotions or competitions for eligible BCA members who used the unique code after purchasing a membership.

Unless otherwise stated:

* no additional payment is required to enter Cents2-funded giveaways;

* giveaway terms are determined by Cents2; and

* prize fulfilment is managed by Cents2.

Bullion Club Australia is not responsible for:

* giveaway administration;

* prize fulfilment;

* winner selection;

* platform functionality;

* delays; or

* disputes relating to Cents2-operated promotions.

14. DIGITAL GOLD & SILVER DISCLAIMER

Digital gold and digital silver products are provided through Cents2 and/or Rush Gold Pty Ltd.

Bullion Club Australia does not:

* issue digital gold or silver;

* custody digital assets;

* manage balances;

* provide redemption services;

* guarantee storage arrangements; or

* guarantee asset value.

The value of gold and silver may fluctuate significantly.

Past performance does not guarantee future performance.

Bullion Club Australia does not guarantee:

* investment returns;

* profits;

* future market performance; or

* preservation of capital.

Members acknowledge that all financial decisions are made at their own risk.

15. NO FINANCIAL ADVICE

Bullion Club Australia provides general educational information and community discussion only.

Nothing provided by Bullion Club Australia, including:

* market commentary;

* community discussions;

* educational content;

* digital gold promotions;

* cashback offers;

* round-up features;

* giveaways;

* newsletters; or

* social media content

constitutes financial advice, investment advice, taxation advice or legal advice.

Members should obtain independent professional advice before making financial decisions.

16. PRIVACY & DATA SHARING

Bullion Club Australia may share limited personal information with Cents2 and related service providers where reasonably necessary for:

* referral tracking;

* eligibility verification;

* reward administration;

* cashback processing;

* fraud prevention;

* compliance obligations;

* platform administration; and

* reporting purposes.

Bullion Club Australia handles personal information in accordance with its Privacy Policy.

Cents2 independently handles information submitted directly through the Cents2 platform.

Members should review all applicable third-party privacy policies before using external platforms.

17. THIRD-PARTY PLATFORM DISCLAIMER

Bullion Club Australia is not responsible for losses, delays, outages or issues arising from third-party platforms or services, including:

* Cents2 platform outages;

* bank-linking failures;

* cashback delays;

* tracking failures;

* digital gold or silver balance discrepancies;

* retailer changes;

* payment provider issues;

* app access interruptions;

* account suspensions;

* cybersecurity incidents;

* third-party service interruptions; or

* Rush Gold related issues.

All third-party issues must be directed to the relevant provider.

18. CHANGES TO CENTS2 BENEFITS

Bullion Club Australia and Cents2 reserve the right to modify, suspend, restrict, replace or discontinue any Cents2-related benefit, promotion, reward, cashback offer, giveaway, retailer partnership or feature at any time were reasonably necessary.

This may occur where:

* the BCA and Cents2 partnership changes or ends;

* Cents2 changes its services or platform;

* legal or regulatory obligations require changes;

* operational or security concerns arise;

* retailer participation changes; or

* platform functionality changes.

Where reasonably practical, Bullion Club Australia will make reasonable efforts to notify affected members of material changes at least fourteen (14) days in advance.

Bullion Club Australia does not guarantee the ongoing availability or future value of any Cents2-related feature or benefit.

Bullion Club Australia reserves the right to modify, suspend, replace, discontinue or substitute any membership benefit, reward, promotion, giveaway, bonus, referral program, partner offer, educational resource, community feature or member inclusion where reasonably necessary for legal, regulatory, operational, security or commercial reasons.

19. MEMBERSHIP SUSPENSION OR TERMINATION

Bullion Club Australia may suspend, restrict or terminate membership immediately where a member:

* breaches these Terms;

* acts fraudulently or dishonestly;

* abuses promotions or giveaways;

* manipulates referrals, rewards or entries;

* harms the community;

* damages Bullion Club Australia’s reputation; or

* engages in unlawful or inappropriate conduct.

Where membership is terminated, all current and future benefits may be forfeited without compensation.

20. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Bullion Club Australia excludes all liability for indirect, incidental, consequential or special loss arising from:

* membership use;

* prize draw participation;

* third-party services;

* digital asset fluctuations;

* platform outages;

* cashback disputes;

* delays;

* technical failures;

* user-generated content;

* market movements;

* promotional changes; or

* third-party conduct.

Bullion Club Australia’s total liability, where liability cannot legally be excluded, is limited to the amount paid by the member for the relevant membership period.

Nothing in these Terms excludes rights that cannot be excluded under Australian Consumer Law.

21. INTELLECTUAL PROPERTY

All Bullion Club Australia branding, logos, content, graphics, educational material, videos, posts, designs and promotional materials remain the property of Bullion Club Australia unless otherwise stated.

Members must not reproduce, distribute, copy, republish or commercially exploit any Bullion Club Australia content without prior written permission.

22. CHANGES TO THESE TERMS

Bullion Club Australia may amend these Terms at any time.

Updated Terms become effective once published on the Bullion Club Australia website or otherwise communicated to members.

Continued use of membership services following publication of updated Terms constitutes acceptance of those updates.

23. GOVERNING LAW

These Terms are governed by the laws of New South Wales, Australia.

Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

24. CONTACT INFORMATION

For membership or Bullion Club Australia enquiries:

Bullion Club Australia Pty Ltd  Email: info@bullionclub.com.au

For Cents2-related enquiries including cashback, digital gold/silver accounts, round-ups or app functionality, members must contact Cents2 via the email.

Email: member@cents2.com.au

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