Wealthra Rewards — Terms of Issue

In short

• Wealthra Coins are a loyalty reward. You earn them by using Wealthra and by referring people who go on to subscribe.
• You can use them for one thing: credit against your Wealthra subscription.
• They are not money, they cannot be transferred or sold, and they cannot be converted to cash.
• We will not reduce what a Coin is worth. If we change it, it changes in your favour.
• Coins do not expire while you are subscribed. If you cancel, we apply your balance to your final account and anything left over is forfeited.

This summary is here to help. If it and the detailed terms ever disagree, the detailed terms apply.

1. About these terms

1.1 These are the Terms of Issue for Wealthra Rewards (the Program), operated by Wealthra Pty Ltd (ACN 693 425 393, ABN 82 693 425 393) (Wealthra, we, us).

1.2 They apply in addition to the Wealthra Terms of Service and Privacy Policy. If there is an inconsistency about the Program specifically, these terms apply.

1.3 By earning or redeeming Wealthra Coins you accept these terms.

1.4 Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.

1.5 The Program has operated since 1 July 2026. These terms apply from the effective date shown above.

1.6 Coins you earned before the effective date are recognised in full. They sit in your balance, they are worth the same as any other Coin, and from the effective date they are governed by these terms in the same way.

2. What Wealthra Coins are

2.1 Wealthra Coins (Coins) are a loyalty reward. A Coin is a contractual entitlement to a discount against your Wealthra subscription, on the terms set out here.

2.2 Coins are recorded on a private, permissioned distributed ledger operated by Wealthra for record-keeping. That ledger is not connected to any public blockchain network.

2.3 Coins are not:

1. money, legal tender, or a stored-value or prepaid facility;
2. a security, derivative, managed investment product, or any other financial product;
3. a deposit, an investment, or a promise of any financial return;
4. property you own, or an asset you can deal with outside the Program;
5. tradeable, listed, or priced by any market.

2.4 Coins have no value except as credit against a Wealthra subscription under these terms. They cannot be exchanged for cash.

2.5 Holding Coins gives you no shareholding, voting right, or interest of any kind in Wealthra.

3. Who can take part

3.1 You can take part if you hold a current Wealthra account, are at least 18, and are resident in Australia.

3.2 One Program membership per Wealthra account. Accounts may not be combined, and balances may not be pooled or transferred between accounts.

3.3 Wealthra employees, contractors and their immediate families may hold accounts but are not eligible for referral rewards under clause 5.

4. How you earn Coins

4.1 You earn Coins for completing activities we make available from time to time, which currently include setting up your account, completing your monthly reconciliation, and continued use of Wealthra.

4.2 The current earning activities and amounts are shown on the Rewards screen in the Wealthra app. That screen is the authoritative statement of what is on offer at any time.

4.3 Coins are credited once the relevant activity is completed and verified. Verification takes up to 7 days.

4.4 We may add, change or withdraw earning activities under clause 11.

4.5 If Coins are credited in error, or as a result of a fault, misuse, or a breach of these terms, we may reverse them. We will tell you when we do, and why.

5. Referrals

5.1 Your Wealthra account has a unique referral code, found under your profile settings in the app. You may share it with people you know.

5.2 When someone signs up using your code and then starts a paid Wealthra subscription, you receive 1,000 Coins. The person you refer does not receive Coins for being referred — they earn Coins in their own right, for their own account setup and use, under clause 4.

5.3 There is no limit on the number of people you may refer, or on the number of Coins you may earn from referrals.

5.4 Referral Coins are credited once the referred person’s first subscription payment has cleared.

5.5 We may reverse referral Coins if the referred person’s payment is refunded, reversed or charged back, if their subscription is cancelled within any cooling-off or trial period, or if the referral breaches clause 5.6. We will tell you if this happens.

5.6 You must not:

1. refer yourself, or open additional accounts in order to claim a referral;
2. use a code on behalf of someone who did not ask you to;
3. publish your code as a coupon, or on a discount or voucher site, or in paid advertising;
4. send your code by unsolicited bulk message, or in any way that breaches the Spam Act 2003 (Cth) or the Do Not Call Register;
5. make any statement about Wealthra that is false or misleading, or present yourself as speaking for Wealthra.

5.7 You are sharing a personal recommendation. You are not our agent, employee or representative, and you have no authority to bind us.

5.8 Referral Coins are the only reward payable under the Program for a referral. The Program does not pay commission, and Coins earned from referrals can only be redeemed under clause 7.

5.9 If you wish to refer at a volume beyond what the Program is designed for, contact us at support@wealthra.io. Any arrangement of that kind would be a separate written agreement between you and Wealthra, on its own terms, and is not part of the Program or these terms.

6. What Coins are worth

6.1 Each Coin is worth one Australian cent (A$0.01) in subscription credit.

6.2 We will not reduce the value of a Coin. If we change the rate under clause 11, it will only ever be to increase it.

6.3 The current value of your balance is shown on the Rewards screen.

6.4 Coin values are inclusive of GST where GST applies to your subscription.

7. Redeeming Coins

7.1 Coins may be redeemed only as credit against a Wealthra subscription for the account that holds them.

7.2 Credit is applied to your next subscription payment. Where your balance exceeds the amount due, the remainder stays in your balance for future payments.

7.3 Coins cannot be redeemed for cash, refunded, or applied to anything other than a Wealthra subscription.

7.4 There is no minimum balance required before you can redeem.

7.5 Redeeming Coins does not change your subscription term, your renewal date, or your right to cancel.

8. Expiry and cancellation

8.1 Coins do not expire while your Wealthra subscription remains current.

8.2 If your subscription ends, we will apply your Coin balance as credit against your final account. Any balance remaining after that credit is applied is forfeited when your subscription ends.

8.3 We will show you your balance, and what it will be applied to, before your cancellation takes effect.

8.4 Clause 8.2 applies however your subscription ends, including where we end it under clause 10.

8.5 Forfeited Coins cannot be reinstated, including if you later resubscribe or open a new account.

9. What you cannot do with Coins

9.1 Coins are personal to your account. You must not sell, transfer, assign, gift, pledge or otherwise deal with them, and you must not attempt to move them outside the Program.

9.2 Coins do not pass to another person on death, bankruptcy, or the operation of law.

9.3 Any attempted transfer is ineffective and may result in forfeiture under clause 10.

10. Misuse

10.1 We may suspend your Program membership, reverse Coins, forfeit your balance, or close your Wealthra account if we reasonably believe you have:

1. breached these terms or the Wealthra Terms of Service;
2. manipulated or attempted to manipulate the Program, including by automating activity, opening accounts to farm referrals, or exploiting a fault;
3. provided false information in order to earn Coins; or
4. used the Program for an unlawful purpose.

10.2 Before we act under clause 10.1 we will tell you what we believe has happened and give you a reasonable opportunity to respond, unless doing so would be unlawful or would frustrate an investigation.

10.3 You may contact us to dispute a decision under this clause, and we will review it.

11. Changes to the Program

11.1 We may change these terms, and the activities and amounts by which Coins are earned.

11.2 Any change applies from the date it takes effect only. It does not affect Coins you have already earned, and it does not reduce the value of Coins already in your balance.

11.3 We will give you at least 30 days’ notice of a material change, by email to your registered address or by notice in the app.

11.4 If you do not accept a change, you may stop taking part. Clause 8 applies if you also cancel your subscription.

11.5 We will not change clause 6.2.

12. If we close the Program

12.1 We may close the Program by giving you at least 90 days’ notice.

12.2 During the notice period you may continue to redeem your Coins under clause 7.

12.3 Any balance unredeemed at the end of the notice period is forfeited.

13. Tax

13.1 You are responsible for your own tax position in relation to Coins you earn or redeem.

13.2 We do not provide tax advice. If you are unsure how Coins affect you — for example if you use Wealthra in connection with a business — speak to your accountant or registered tax agent.

14. Privacy

14.1 We handle personal information in the Program in accordance with the Wealthra Privacy Policy.

14.2 To operate referrals we record the connection between a referring account and a referred account. We do not tell the person you referred what you earned, and we do not tell you anything about their account beyond whether the referral is pending, confirmed or rewarded.

15. Not financial advice

15.1 Wealthra Pty Ltd does not hold an Australian Financial Services Licence and does not provide financial product advice.

15.2 Nothing in the Program or these terms is financial, investment, tax or legal advice, and nothing here takes into account your objectives, financial situation or needs.

16. General

16.1 These terms are governed by the laws of Queensland, Australia, and you and we submit to the non-exclusive jurisdiction of the courts of that State.

16.2 If any part of these terms is unenforceable, it is severed and the rest continues to apply.

16.3 If we do not enforce a right straight away, we do not lose it.

16.4 Questions about the Program: support@wealthra.io · Wealthra Pty Ltd, Level 10, 95 North Quay, Brisbane QLD 4000, Australia.

Referring more than your own subscription? Talk to us.

Wealthra Rewards is built to offset a subscription, and it caps out there — once your Coins cover what you pay, more Coins do not do anything for you.

If you are in a position to refer at real volume — you run a community, an audience, or a practice where Wealthra would genuinely help people — the standard Program is not the right fit. Get in touch at support@wealthra.io and we will talk about an arrangement that is.

Any arrangement of that kind is a separate agreement and is not governed by these terms — see clause 5.9.

Version history
v1.0 — 20 September 2026: initial Wealthra Rewards Terms of Issue, published alongside the Wealthra Rewards program becoming a documented, opt-in loyalty program. Coins earned since the Program began on 1 July 2026 are recognised in full under clause 1.6.