At a glance — how Finder Rewards works
This is a plain-English summary of how the Finder Rewards programme works. It is provided for information only and is not part of these Terms. Where this summary and the Terms differ, the Terms apply.
- Automatic account. Every Finder Member has a Finder Rewards Account. There is no separate sign-up.
- How you earn. You earn Rewards when you complete a qualifying transaction with a participating provider through Finder (for example, signing up for a phone plan, energy plan or insurance policy) OR when you use a Finder service that qualifies for a Reward (for example, obtaining your Finder credit score). The specific Reward amount and exact qualifying activity for each offer is shown on the offer page.
- Pending, then Available. When you complete a qualifying activity, the Reward is first shown as "Pending" on your dashboard. Once Finder has verified with the participating provider that the eligibility criteria for the Reward are met, the Reward moves to your Available Balance. For some Rewards this happens straight away; for others (like insurance sign-ups) it can take weeks or months, depending on the provider's confirmation cycle. The expected timing is shown for each offer.
- How you redeem. Once your Available Balance reaches the Minimum Redemption Threshold, you can redeem it for a digital gift card from a participating retailer. Additional redemption pathways may be added over time and, when they are, they will appear on your Finder Rewards dashboard.
- A Reward in your Available Balance expires if not redeemed within the applicable Offer Schedule. If no period is specified, it expires within 6 months after being moved to Available Balance.
- We use 'claim' on your dashboard as a plain-English equivalent of 'Redemption' / 'redeem' in these Terms.
- Attribution. Rewards are only earned where the participating provider attributes your transaction to Finder. Ad blockers, VPNs, private browsing, cookie deletion, switching devices, and completing the transaction after the offer's attribution window has expired can each prevent that from happening. If the participating provider does not attribute the transaction to Finder, Finder cannot pay a Reward. This is a limitation of how tracking technology works, is outside Finder's control, and is not something Finder can override after the fact.
- What Finder Rewards is not. Rewards are not money, not stored value, not a deposit, and are not held on your behalf. Your Finder Rewards Account is not a wallet, a bank account or a payment facility. It is a loyalty programme.
- Keeping your account active. If there is no earning or redemption activity on your Finder Rewards Account for 6 months, Finder will send you a warning email. If you still have not earned or redeemed within 60 days after the warning, your Reward Balance is forfeited. Any earning or redemption activity resets the clock.
- Complaints. Finder handles complaints in accordance with the Finder Complaints Policy at finder.com.au/complaints. You can raise a complaint via live chat through your Finder Account, email to help-au@finder.com, or by writing to Finder at Level 10, 99 York Street, Sydney NSW 2000.
1. About Finder Rewards
1.1 The Finder Rewards Account is a loyalty programme offered by Hive Empire Pty Ltd (ABN 18 118 785 121) trading as Finder, of Level 10, 99 York Street, Sydney NSW 2000 ("Finder", "we", "us", "our").
1.2 The Finder Rewards Account allows you to earn Finder Rewards by completing Eligible Earn Events, accumulate those Rewards in your Finder Rewards Account, and redeem them through an available redemption pathway.
1.3 Nature of the programme. The Finder Rewards Account is a loyalty scheme within the meaning of section 6 of the ASIC Corporations (Non-cash Payment Facilities) Instrument 2026/167. Finder Rewards are not a financial product, are not money, are not stored value and are not a deposit. Your Finder Rewards Account is not a wallet, a bank account or a payment facility.
1.4 Dominant purpose. The dominant purpose of the Finder Rewards programme is to promote the acquisition of goods and services from Finder and participating providers featured on the Finder platform.
1.5 These Terms. These Terms apply each time you use the Finder Rewards Account. They form part of and should be read together with:
- (a) the Finder Terms of Service at finder.com.au/terms-of-service;
- (b) the Finder Group Privacy Policy;
- (c) any Offer Schedule that applies to an active Reward offer (each an "Offer Schedule");
- (d) Finder's Financial Services Guide and Credit Guide, to the extent your interactions with Finder involve a regulated financial or credit product.
To the extent of any inconsistency, an Offer Schedule prevails over these Terms for the reward offer to which it applies, and these Terms prevail over the general Finder Terms of Service in relation to the Rewards Account.
2. Definitions
In these Terms:
"Attribution Window" means, in respect of a Reward, the maximum period between a Click-Through and completion of the Eligible Earn Event within which the participating provider will attribute the Eligible Earn Event to Finder. The Attribution Window applicable to a Reward is set out in the applicable Offer Schedule or on the offer page.
"Available Balance" means the portion of your Reward Balance for which the applicable Eligibility Criteria have been met and which is available for Redemption.
"Click-Through" means a click by you on a Finder promotional link that directs you to a participating provider's website, application or other property.
"Eligible Earn Event" means:
- (a) an Eligible Transaction; or
- (b) an Eligible Service Action,
in each case as specified in an Offer Schedule.
"Eligible Transaction" means a qualifying purchase, application or acquisition of a good or service from a participating provider, initiated through the Finder platform and completed in accordance with the applicable Offer Schedule.
"Eligible Service Action" means the use of a Finder service specified as an Eligible Earn Event in an Offer Schedule.
"Eligibility Criteria" means, in respect of a Reward, the criteria set out in the applicable Offer Schedule that must be met for the Reward to move from Pending Balance to Available Balance. Eligibility Criteria may include (without limitation) requirements as to timing, holding period, minimum transaction value, non-cancellation of the underlying event, and any other conditions.
"Finder Member" means a person with a current Finder Account under the Finder Terms of Service.
"Finder Rewards" or "Rewards" means credits allocated to a Finder Rewards Account for Eligible Earn Events. Rewards are expressed in Australian dollars for descriptive purposes only. They are not money and cannot be used as a means of payment other than for Redemption under these Terms.
"Finder Rewards Account" means the record kept by Finder in your name showing your Reward Balance, Pending Balance, Redemption history and Eligible Earn Event history.
"Gift Card Supplier" means a digital gift card fulfilment supplier engaged by Finder from time to time to deliver Rewards.
"Minimum Redemption Threshold" has the meaning given in clause 8.
"Offer Schedule" means the document published on the Finder platform, or otherwise provided to you, describing the terms of a specific reward offer, including the campaign period, Eligible Earn Event, reward amount and any additional criteria.
"Pending Balance" means Rewards allocated to your Finder Rewards Account for which the applicable Eligibility Criteria have not yet been met.
"Redemption" means the process of applying part or all of your Available Balance to a Reward delivered through an available redemption pathway under clause 9.
"Reward Balance" means the total of your Available Balance and Pending Balance at any time.
3. Your Finder Rewards Account
3.1 A Finder Rewards Account is automatically created for every Finder Member as part of their Finder Account. Eligibility to hold a Finder Account (including the requirement to be at least 18 years of age) is governed by the Finder Terms of Service.
3.2 One account per person. You may only hold one Finder Rewards Account, corresponding to your Finder Account. Multiple accounts held by the same individual, or accounts opened using synthetic, duplicate or false identity details, will be closed and any Reward Balance may be forfeited.
3.3 Personal use only. The Finder Rewards Account is for your personal, non-commercial use. You may not operate the account on behalf of any other person, agency or business.
3.4 Accurate details. You must keep the information in your Finder Account (including your email address) accurate and current. Finder is not responsible for a failure to deliver a Reward or complete a Redemption caused by out-of-date contact details.
3.5 Not transferable. Your Finder Rewards Account is not transferable. You may not sell, assign, gift or otherwise transfer your Finder Rewards Account, Reward Balance or any Reward, whether individually or as part of a bulk transaction.
4. Attribution and eligibility
4.1 To earn a Reward, you must complete the Eligible Earn Event through Finder's tracked pathway by clicking on the unique reward link and then completing the transaction with the participating provider or by starting an Eligible Service Action from within your Finder Account.
4.2 Attribution Window. Rewards are only earned where the participating provider attributes the qualifying transaction or service action to Finder. Each participating provider maintains an Attribution Window which is the maximum time between a Click-Through and completion of the transaction during which the provider will attribute the transaction to Finder. The Attribution Window varies by participating provider and by campaign, and is shown on the offer page or in the applicable Offer Schedule.
4.3 What can break attribution. Ad blockers, VPNs, private browsing or incognito mode, cookie deletion, browser cookie restrictions, switching devices between the Click-Through and completion of the transaction, and completing the transaction after the Attribution Window has expired can each prevent the participating provider from attributing the transaction to Finder. If attribution fails, Finder cannot allocate a Reward to your Finder Rewards Account. This is a limitation of the underlying attribution technology, is outside Finder's control, and Finder is not liable for the failure.
4.4 Protecting your Reward. To improve the chance of successful attribution: (a) complete the Eligible Earn Event within the Attribution Window shown on the offer page or in the applicable Offer Schedule; (b) do not clear cookies or switch devices between your Click-Through and completion of the transaction; (c) disable ad blockers and VPNs during the Click-Through and the transaction, to the extent you are comfortable doing so; and (d) do not use private browsing or incognito mode for the Click-Through.
5. How you earn Finder Rewards
5.1 Rewards are earned by completing Eligible Earn Events specified in an Offer Schedule. The Offer Schedule sets out:
- (a) the specific Eligible Earn Event that qualifies for the Reward;
- (b) the campaign period during which the Eligible Earn Event must be completed;
- (c) the amount and form of the Reward;
- (d) per-Member and any total-offer caps;
- (e) any additional eligibility criteria; and
- (f) any other conditions.
5.2 Version of the Offer Schedule that applies. The version of the Offer Schedule that applies to you is the version published on the Finder platform at the time you begin the qualifying journey (for example, at the time of a Click-Through or the start of an Eligible Service Action), provided you complete the Eligible Earn Event within the Attribution Window applicable to that offer. If you complete the Eligible Earn Event outside the Attribution Window, no Reward is earned (see clause 4).
5.3 No cash top-ups. You cannot add money or funds to your Finder Rewards Account. Rewards may only be allocated by Finder in accordance with an Offer Schedule.
5.4 No interest. Finder Rewards do not accrue interest and your Reward Balance does not grow other than by the addition of newly-allocated Rewards.
5.5 Reward not received. If the Reward has not been allocated to your Finder Rewards Account within the timing set out in the applicable Offer Schedule (or, if no timing is specified, within 120 days after the later of your Eligible Earn Event and the end of the Offer Period), contact Finder support and quote the email address linked to your Finder Account. Refer to clause 4 for the attribution requirements — a Reward cannot be allocated if the participating provider does not attribute the Eligible Earn Event to Finder. Refer to clause 6.3 for the timing of verification with the participating provider.
6. Pending Balance and confirmation
6.1 When you complete an Eligible Earn Event, Finder allocates the associated Reward to your Pending Balance. The Reward moves from Pending Balance to Available Balance once the Eligibility Criteria for that Reward have been met. Where the Eligibility Criteria for a Reward can be verified at the time of the Eligible Earn Event (for example, for certain Eligible Service Actions), Finder may allocate the Reward directly to Available Balance without passing through Pending Balance.
6.2 A Reward in Pending Balance cannot be redeemed. Only your Available Balance is redeemable.
6.3 Timing of verification. The timing on which Finder verifies your Eligible Earn Event with the participating provider is set out in the applicable Offer Schedule. In some cases, verification takes place after the Offer Period has ended (for example, where the participating provider provides settlement or reconciliation data to Finder on a monthly or campaign-end basis). A Reward remains in Pending Balance until verification is complete and the Eligibility Criteria have been met.
6.4 A Reward in Available Balance expires if not redeemed within the period set out in the applicable Offer Schedule, or if no period is specified, within 6 months after being moved to Available Balance. On expiry, the Reward is removed from your Reward Balance. The 60-day warning procedure in clause 13 does not apply to per-reward expiry.
7. Your Reward Balance
7.1 Ledger only. Your Reward Balance is a record maintained by Finder on its internal ledger. It does not represent money, stored value or a deposit held on your behalf.
7.2 No transfer. Your Reward Balance is not transferable to any other person. Rewards cannot be gifted, sold, exchanged or combined with another person's Rewards.
7.3 Displayed for information. Your Reward Balance is shown on your Finder Rewards dashboard for information only. The Reward Balance shown may lag actual events by a short period due to processing.
8. Minimum Redemption Threshold
8.1 You may only redeem your Available Balance once it reaches the Minimum Redemption Threshold. The Minimum Redemption Threshold at the date of these Terms is $20. Finder may change the Minimum Redemption Threshold from time to time on notice under clause 15.
8.2 If your Available Balance is below the Minimum Redemption Threshold, you may continue to earn Rewards but cannot yet redeem. The Reward Balance will remain on your Finder Rewards Account subject to the inactivity rules in clause 13.
8.3 Maximum Reward Balance. Your Finder Rewards Account is subject to a maximum Reward Balance of $10,000. Once your Reward Balance reaches this limit, you will not be able to earn additional Rewards until you redeem some of your Available Balance and your Reward Balance falls below the limit.
9. How you redeem
9.1 Redemption pathways. The redemption pathways currently offered are set out on your Finder Rewards dashboard. As at the date of these Terms, the only redemption pathway available is a digital gift card issued by a Gift Card Supplier from the participating retailer list published on the Finder Rewards dashboard. You may redeem all of your Available Balance (subject to the Minimum Redemption Threshold) using an available redemption pathway.
9.2 Redemption process.
- (a) You select an available redemption pathway on your Finder Rewards dashboard and the amount you wish to redeem (subject to the Minimum Redemption Threshold).
- (b) The corresponding value is deducted from your Available Balance.
- (c) The Reward is delivered to you by or on behalf of Finder in the manner corresponding to the selected redemption pathway.
- (d) Finder's obligation to provide the Reward is satisfied on successful transmission (in the case of a digital delivery) or on successful transfer (in the case of a payment to a bank account nominated by you).
9.3 Maximum redemption amount. Each individual Redemption is limited to a maximum value of $4,999. If your Available Balance exceeds this amount, you may make multiple separate Redemptions.
9.4 Gift card terms. Each digital gift card is subject to the terms and conditions of the retailer that issues it and the Gift Card Supplier. This includes expiry dates, usage restrictions, refund rules and support contact. Finder is not the issuer of the digital gift card and is not responsible for the terms on which the retailer honours the card.
9.5 Character of a Redemption. Redemption pathways are those published on the Finder Rewards dashboard from time to time. If Finder introduces a redemption pathway that results in a payment to a bank account nominated by you, that pathway is a redemption of the loyalty scheme reward under these Terms and is not a cash withdrawal from a stored balance. Your Reward Balance is not stored value and does not represent money held on your behalf.
9.6 No transfer. The digital gift card, once issued, is subject to any transferability restrictions imposed by the retailer or the Gift Card Supplier.
9.7 Delivery failure. If a digital gift card is not received because your contact details in your Finder Account were incorrect or transmission failed, notify Finder support within 30 days and Finder will use reasonable efforts to arrange re-delivery.
10. Verification
10.1 Finder may ask you for additional information to verify your identity or your entitlement to a Reward or Redemption, including as a condition of processing a Redemption. If you decline to provide reasonable additional information, Finder may withhold the Redemption or Reward.
11. Clawback and ineligible events
11.1 Finder may reverse or "claw back" a Reward if:
- (a) the underlying Eligible Earn Event is cancelled, refunded, charged back, reversed, refused, disputed or otherwise does not settle;
- (b) the Eligible Earn Event was not, on reasonable investigation, an Eligible Earn Event within the meaning of the applicable Offer Schedule;
- (c) the Reward was allocated in error; or
- (d) the Reward was earned as a result of any conduct described in clause 12.
11.2 Where a Reward is clawed back, Finder will:
- (a) if the Reward is in Pending Balance, remove it from your Pending Balance;
- (b) if the Reward is in Available Balance and has not yet been redeemed, remove it from your Available Balance;
- (c) if the Reward has already been redeemed, either treat the redeemed value as a negative adjustment to your future Available Balance, or (in Finder's discretion) require you to repay the value of the redeemed Reward.
11.3 Finder will act reasonably and in good faith when applying this clause and will give reasons if a clawback is applied.
12. Prohibited conduct
12.1 You must not:
- (a) hold more than one Finder Rewards Account;
- (b) attempt to earn Rewards by fraudulent, misleading, deceptive or abusive conduct, or by circumventing or manipulating the Finder platform;
- (c) use the Rewards programme in connection with money laundering, terrorism financing or any other illegal purpose;
- (d) sell, transfer, exchange or offer to sell, transfer or exchange your Reward Balance or your Finder Rewards Account;
- (e) use another person's identity, credentials or payment details to earn Rewards; or
- (f) engage in synthetic, automated or bot-driven activity to earn Rewards.
12.2 If Finder reasonably suspects a breach of this clause, Finder may suspend your Finder Rewards Account, withhold any Reward or Redemption, request further information, and (where the breach is confirmed) terminate your Finder Rewards Account and forfeit your Reward Balance under clause 14.
13. Inactivity and forfeiture
13.1 Two-stage inactivity policy.
- (a) Warning. If there is no Eligible Earn Event or Redemption activity on your Finder Rewards Account for 6 consecutive months, Finder will send a warning email to the email address linked to your Finder Account. The warning email will state your Reward Balance, the expiry date if inactivity continues (which is 60 days after the warning email), and how to keep the account active.
- (b) Forfeiture. If there is no Eligible Earn Event or Redemption activity within 60 days after the warning email is sent, your Reward Balance is forfeited and removed from your Finder Rewards Account.
13.2 Restart of inactivity clock. Any Eligible Earn Event or Redemption resets the 6-month inactivity clock.
13.3 Grandfathering. Finder will not retroactively shorten the inactivity window applied to your existing Reward Balance without giving you at least 90 days' notice.
13.4 No forfeiture for Finder-caused inability to use. Finder will not forfeit your Reward Balance where the inactivity is caused by a failure or malfunction of the Finder platform that reasonably prevented you from earning or redeeming.
14. Suspension and termination
14.1 You may close your Finder Rewards Account at any time by contacting Finder support. On closure:
- (a) any Available Balance at or above the Minimum Redemption Threshold may be redeemed under clause 9 within 30 days after closure;
- (b) any Available Balance below the Minimum Redemption Threshold at closure is forfeited unless Finder agrees to a discretionary exception; and
- (c) any Pending Balance is forfeited (because the underlying event has not yet cleared).
14.2 Finder may suspend or terminate your Finder Rewards Account:
- (a) for a material breach of these Terms;
- (b) for conduct described in clause 12;
- (c) if required by law or regulator direction; or
- (d) if the Finder Rewards programme is discontinued (in which case clause 15.3 applies).
14.3 On termination for cause under clause 14.2(a) or 14.2(b), your Reward Balance is forfeited.
15. Changes to these Terms
15.1 Finder may amend these Terms at any time. Finder will notify you of material changes by email to the email address linked to your Finder Account or by a prominent notice on your Finder Rewards dashboard.
15.2 A change to these Terms takes effect 30 days after the notice is given, unless the change is:
- (a) required by law or regulator direction, in which case the change takes effect on the shorter notice required; or
- (b) favourable to you, in which case the change may take effect immediately.
15.3 If Finder discontinues the Finder Rewards programme, Finder will give at least 90 days' notice and will allow you to redeem your Available Balance (subject to the Minimum Redemption Threshold) during that period.
15.4 A change to these Terms does not affect a Reward that has already been allocated to your Available Balance before the change took effect.
16. Complaints and support
16.1 Finder is committed to the fair and prompt resolution of complaints in accordance with the Finder Complaints Policy at finder.com.au/complaints, which forms part of these Terms.
16.2 You may submit a complaint about the Finder Rewards programme through any of the channels set out in the Finder Complaints Policy, including live chat through your Finder Account, email to help-au@finder.com, or post to Finder, Level 10, 99 York Street, Sydney NSW 2000.
16.3 Finder will acknowledge receipt of your complaint within 1 business day and seek to resolve your complaint at the earliest opportunity and within 30 days.
16.4 Because Finder Rewards are not a financial product, complaints about the Rewards programme itself are not within the jurisdiction of the Australian Financial Complaints Authority (AFCA). If your complaint relates to an underlying financial product acquired through Finder, that product's dispute resolution scheme applies, including (where relevant) AFCA — Finder is a member of AFCA with membership number 42503.
17. Privacy
17.1 Finder handles your personal information in accordance with the Finder Group Privacy Policy at finder.com.au/finder-group-privacy-cookies-policy.
17.2 To operate the Rewards programme, Finder shares limited personal information (name, email address and (if relevant) mobile number) with Gift Card Suppliers and participating providers as necessary.
18. Australian Consumer Law
18.1 Nothing in these Terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded, restricted or modified.
19. Liability
19.1 To the maximum extent permitted by law, Finder excludes all liability for any loss, damage, cost or expense arising from or in connection with the Finder Rewards programme.
19.2 Where liability cannot be excluded, Finder's liability is limited (at Finder's option) to the resupply of the Reward or Redemption, or the payment of the value of the Reward or Redemption at the time it was earned or redeemed.
19.3 Nothing in this clause limits any right you have under the Australian Consumer Law.
20. General
20.1 Not tax advice. Finder does not provide tax advice. Any tax consequences of earning or redeeming a Reward are your responsibility.
20.2 Not financial advice. Information Finder provides about a participating provider's product is general advice or factual information only and does not take account of your objectives, financial situation or needs. Refer to Finder's Financial Services Guide and Credit Guide for further information.
20.3 Not a financial product. For the avoidance of doubt, the Finder Rewards Account and the Rewards allocated to it are not a financial product, are not covered by any government-backed depositor protection scheme, and are not insured.
20.4 Severability. If any provision of these Terms is held to be unenforceable, the remaining provisions continue in force.
20.5 Costs of participation. Any costs, taxes, duties or fees associated with your participation in the Finder Rewards programme (including internet or mobile data charges to access the Finder Rewards dashboard) are your responsibility.
21. Governing law
21.1 These Terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales.
22. Contact
- 22.1 Finder support: help-au@finder.com
- 22.2 Postal: Level 10, 99 York Street, Sydney NSW 2000
- 22.3 ABN: 18 118 785 121