Zarraffa’s Z Card® Terms & conditions

1. Introduction

1.1 This document is known as the Zarraffa’s Z Card® Terms and Conditions.

1.2 These Terms and Conditions (Terms) set out the basis on which Zarraffa’s Franchising Pty Ltd ACN 093 874 250 (Zarraffa’s, we, us) operate the Z Card Program, and govern your access to and participation in the Z Card Program, whether via physical or digital Zarraffa’s Z Card or through the App.

2. Definitions and Interpretation

2.1 Definitions

In these Terms:

(a) Active Member is a Z Card Member who has engaged in Z$ activity by completing at least one (1) Eligible Transaction (resulting in the earning or redemption of Z$ or Z Rewards) within any consecutive six (6) month period.

(b) Acquisition or Acquire means the point at which a customer is issued an inactive Z Card by Zarraffa’s (which will only occur once a customer has paid the Administration Fee).

(c) Administration Fee means the amount payable as an administration fee to gain the right to participate in the Z Card Program, in the amount determined by Zarraffa’s from time to time.

(d) App means the software application made available by Zarraffa’s to download on a mobile phone device, tablet or other compatible electronic device.

(e) App Guest User means a person who has downloaded the App but who has not signed up or Registered and is not an App Member, Z Card Holder or Z Card Member.

(f) App Member means a person who has downloaded the App and completed the sign up process, but who is not a Z Card Holder or a Z Card Member.

(g) Base Rate means the rate at which Z$ are issued to a Z Card Member (or, where applicable, a Z Card Holder) expressed as a number of Z$ per dollar spent. As at the date of these Terms, the current Base Rate is one (1) Zarraffa’s Z$ per every $10 spent on Eligible Item(s) forming part of Eligible Transactions (exclusive of GST). Zarraffa’s may vary the Base Rate from time to time in accordance with these Terms.

(h) Benefits means the facilities, services, products, discounts, offers, rewards, activities, events or arrangements offered or made available by Zarraffa’s to Z Card Members and/or App Members from time to time.

(i) Complimentary Drink means a complimentary “Hot Drink” or “Cold Drink” from Zarraffa’s menu, the type, value and availability of which is determined by the applicable Z Reward loaded to a Z Card Member’s Z Card in accordance with these Terms, as well as the in-store availability of the requested item at the time the customer redeems the Z Reward. “Hot Drink” and “Cold Drink” are limited to those Zarraffa’s menu items contained within the “Cold Drinks” or “Hot Drinks” categories on the Zarraffa’s Website.

For the purpose of a Complimentary Drink, the Z Card Member will be given the following options:

size: short, tall, grande, masai or jumbo;
milk: full cream, lite, soy, lactose free, oat, almond; and
extras: espresso shots, flavour shots, cream and ice cream,

(collectively, Options).

“Hot Drink” and “Cold Drink” from Zarraffa’s menu items are limited to:

(i) those menu items contained within the “Cold Drinks” or “Hot Drinks” categories on the Zarraffa’s Website; and

(ii) variations using the Options, provided the Options are incorporated as part of the Complimentary Drink and are reasonable having regard to the past purchasing history of the Z Card Member.

(j) Contact Details means the contact details for the Zarraffa’s Coffee Administration Team, being:

admin@zarraffas.com
07 5500 0800
PO Box 2089, Beenleigh QLD 4207,
or as otherwise notified by Zarraffa’s from time to time.

(k) Eligible Item means:

(i) bulk coffee;

(ii) coffee capsules;

(iii) any menu item contained within the “Cold Drinks” or “Hot Drinks” categories on the Zarraffa’s Website;

(iv) any promotional drink provided by, or offered at, Zarraffa’s Coffee Stores from time to time; and

(i) any non-alcoholic drink regarded as being alternative brewing by Zarraffa’s from time to time, but excludes, notwithstanding the above:

(ii) any bottled beverages; and

(iii) any item contained within the “Merchandise” and “Food” categories on the Zarraffa’s Website.

Eligible Transaction means any transaction containing an Eligible Item at a Zarraffa’s Coffee Store, provided that the transaction is completed in accordance with these Terms, but excludes any transaction that contains purchases combined with or part of any other loyalty programs[SW1] made available by Zarraffa’s from time to time (including but not limited to Zarraffa’s gift cards).

(I) GST means the goods and services tax under A New Tax System (Goods and Services) Act 1999 (Cth) (GST Act) and to the extent relevant for GST purposes, the terms used in these Terms have the meanings prescribed in the GST Act.

(m) Inactive Period means, as the context requires, either one (1) or a combination of the following periods:

(i) the period between the Acquisition of the Z Card and Registration of the Z Card; and/or

(ii) the time between the last use of the Z Card and the reactivation of the Z Card in accordance with these Terms.

(n) Member Portal means the online portal operated by Zarraffa’s, containing account information specific to a Z Card Member, their Z Card and the Z Card Program. The Member Portal is accessible via the Zarraffa’s Website or any other platform made available by Zarraffa’s from time to time.

(o) Membership means membership to the Z Card Program as a Z Card Member in accordance with these Terms.

(p) Personal Information has the meaning given to that term in the Privacy Act, being any information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a material form or not;

(q) Privacy Policy means Zarraffa’s privacy policy, linked here: https://zarraffas.com/corporate-policies#privacy-policy.

(r) Redeemable Item means:

(i) any menu item contained within the “Cold Drinks” or “Hot Drinks” categories on the Zarraffa’s Website;

(ii) any promotional drink provided by, or offered at, Zarraffa’s Coffee Stores from time to time; and

(iii) any non-alcoholic drink regarded as being alternative brewing by Zarraffa’s from time to time.

(s) Registration means registering your details with Zarraffa’s and completing any verification process required by Zarraffa’s from time to time in accordance with these Terms and Conditions.

(t) Related Body Corporate has the meaning given to that term in section 50 of the Corporations Act 2001 (Cth).

(u) Website means the following:

(i) www.zarraffas.com;

(ii) www.zarraffasroastery.com; and

(iii) any websites with a sub-domain of zarraffas.com.

(v) Zarraffa’s Group means Zarraffa’s Franchising Pty Ltd ACN 093 874 250 and its Related Body Corporates.

(w) Zarraffa’s Coffee Store means any franchised or corporate operated Zarraffa’s Coffee store (for a full list of store locations click here).

(x) Zarraffa’s Z$ or Z$ means the Z$® loyalty points accrued by a Z Card Member (or, where applicable, a Z Card Holder) through Eligible Transactions at the Base Rate, which may be redeemed by an Active Member for Redeemable Items in accordance with these Terms.

(y) Z Card means the Zarraffa's Z Card® loyalty card issued by Zarraffa’s, in physical or digital form, for use by each Z Card Holder or Z Card Member in connection to the Z Card Program.

(z) Z Card Holder means a person who has Acquired a Z Card but has not completed Registration.

(aa) Z Card Member means a person who has Acquired a Z Card and completed Registration, and is registered as the holder of the Z Card.

(bb) Z Card Program means the loyalty program operated by Zarraffa’s under which:

(i) an App Member, Z Card Holder and/or Z Card Member may accrue and redeem Z Reward(s);

(ii) a Z Card Holder may accrue (but not redeem) Z$; and

(iii) a Z Card Member may accrue and redeem Z$,

in accordance with these Terms.

(cc) Z Reward means any of the reward tokens outlined and described in the Z Reward Schedule, including the conditions attached to the relevant reward token.

(dd) Z Reward Schedule means Schedule 1 of these Terms, as modified from time to time in accordance with these Terms and Conditions, with the currently applicable version available here: https://zarraffas.com/fine-print. It is your responsibility to review the version in effect at the relevant time.

(ee) Z Update means a communication issued to each Z Card Member (which may outline the current Zarraffa’s Z$ balance available to be redeemed by that Z Card Member).

2.2 Interpretation

In these Terms and Conditions, unless a contrary intention appears:

(a) headings have been inserted for convenience only, and do not affect interpretation;

(b) a reference to a person includes a natural person, company, statutory corporation, partnership, the Crown and any other organisation or type of legal entity;

(c) if a period of time is specified and dates from a given day or the day of an act or event, it is to be calculated exclusive of that day;

(d) a reference to a day is to be interpreted as the period of time commencing at midnight and ending 24 hours later;

(e) include and including when introducing a list of items does not limit the meaning of the words to which the list relates to those items or to items of a similar kind;

(f) the words at any time mean at any time and from time to time;

(g) a word that is derived from a defined word has a corresponding meaning;

(h) monetary amounts (dollars or $) are expressed in Australian dollars, being the lawful currency of the Commonwealth of Australia;

(i) all monetary amounts are expressed exclusive of GST; and

(j) a reference to a natural person includes their personal representatives, successors and permitted assigns.

3. Acceptance of Terms

3.1 By Acquiring a Z Card, downloading the App, signing up to the App, completing Registration, or continuing to access or use the Zarraffa’s Z Card or App, you acknowledge and agree to comply with and be bound by these Terms, as amended from time to time.

3.2 You should read these Terms carefully before participating in the Z Card Program. If you do not agree to these Terms, you must not Register, access or use the Zarraffa’s Z Card or App.

3.3 These Terms constitute a binding agreement between you and Zarraffa’s and govern your participation in the Z Card Program. Your participation in the Z Card Program is conditional upon your acceptance of and compliance with these Terms.

3.4 As part of these Terms, your participation in the Z Card Program is also subject to Zarraffa’s Privacy Policy and any other notices, guidelines and rules published on the Zarraffa’s App and/or Website from time to time. These documents are incorporated by reference into these Terms.

3.5 Your continued use of the Z Card and/or App constitutes acceptance of, and agreement to be bound by, these Terms.

4. Zarraffa’s Z Card

4.1 Following payment of the Administration Fee, you will be issued an inactive Z Card in physical or digital form (as determined by Zarraffa’s).

4.2 The Z Card:

(a) is a rewards card program (whether in physical or digital form);

(b) is not a debit, credit or charge card;

(d) cannot be redeemed for cash; and

(e) remains the property of Zarraffa’s at all times.

4.3 The Zarraffa’s Group does not guarantee that the Member Portal, App, Website or other computer services used in connection with the Z Card Program will be available at all times and, to the maximum extent permitted by law, you have no claim against any member of the Zarraffa’s Group for any unavailability, interruption or disruption of those services.

4.4 An App Guest User or App Member cannot participate in the Z Card Program unless and until they Acquire a Z Card and complete Registration.

5. Z Card Holder

5.1 A Z Card Holder may earn Z$ via the Z Card Program (in accordance with these Terms) prior to completing Registration.

5.2 Notwithstanding clause 5.1, a Z Card Holder cannot redeem Z$ earned via the Z Card Program unless and until the Z Card Holder becomes a Zarraffa’s Z Card Member by completing Registration.

6. Zarraffa’s Z Card Member

6.1 To be eligible for Membership in the Z Card Program, you must:

(a) be at least 18 years of age and reside in Australia;

(b) pay the Administration Fee prior to Acquiring a Z Card;

(d) satisfy any additional eligibility requirements determined by us from time to time (acting reasonably).

6.2 You can only provide Personal Information or create a Membership if you are an Australian resident aged 18 years or over.

6.3 By creating a Membership, you agree to be bound by these Terms and represent that you are 18 years of age or older.

6.4 We reserve the right to suspend your Membership where we reasonably suspect that your age has been misrepresented, until such time as sufficient evidence is provided to substantiate your age.

6.5 Except where expressly stated otherwise, and subject to any technical issues, Zarraffa’s will load a Z Reward for one (1) Complimentary Drink onto each Z Card Member’s Z Card:

(a) within (5) business days of Registration (except where the Z Card has been replaced by Zarraffa’s pursuant to clause 13.2); and

(b) on or around the Z Card Member’s birth month in each year, provided Registration is completed at least one (1) day before the start of that birth month.

6.6 Zarraffa’s may notify, or otherwise make visible, to the Z Card Member their entitlement to a Z Reward via the Member Portal, the App, email or text message. A Z Reward will be loaded once eligibility is met, regardless of the Zarraffa’s Z$ balance.

6.7 A Z Card Member may at any time (at no additional cost to the Z Card Member) visit the Member Portal to:

(a) see their current Zarraffa’s Z$ balance;

(b) see their current Z Reward(s) (if any); and

6.8 Membership continues for the duration of the Z Card Program, provided you remain an Active Member. To remain an Active Member, you must use your Zarraffa’s Z Card at least once every six (6) months.

6.9 Where a Z Card Member is no longer an Active Member, Zarraffa’s (at its discretion):

(a) may deem the Membership as inactive until such time as it receives a request from the Z Card Member to reactivate the Z Card; and/or

(b) may cancel or cause to become inactive any accrued Zarraffa’s Z$ and/or Z Reward(s) without compensation. In this case all Zarraffa’s Z$ and/or Z Reward(s) will be forfeited and cancelled.

6.10 Zarraffa’s may, at its sole discretion (acting reasonably), refuse, suspend or cancel your Membership. In this case, all Z$ and Z Reward(s) (if any) will be forfeited and cancelled.

6.11 A Z Card Member’s rights under these Terms (including any accrued Zarraffa’s Z$ and/or Z Reward(s)) cannot be sold, transferred or assigned except in accordance with these Terms and Conditions.

6.12 Zarraffa’s may, from time to time, provide a Z Update which sets out the Zarraffa’s Z$ balance and/or any eligible Z Reward(s) applicable to the Z Card Member. The Z Card Member should regularly review the Member Portal and each Z Update (if any).

7. App Member

7.1 App Members may earn and redeem Z Reward(s), as made available to the App Member from time to time. App Members cannot earn or redeem Z$ until they become a Z Card Holder or Z Card Member (and then, only in accordance with these Terms).

7.2 App Members may access and view information held by Zarraffa’s in respect of an App Member’s account via the App.

8. App guest users

8.1 App Guest Users will not earn Z$ unless and until they become a Z Card Holder or Z Card Member.

8.2 App Guest Users will not earn Z Rewards until after they become an App Member, a Z Card Holder or Z Card Member.

8.3 Zarraffa’s may, in accordance with the Platform Terms of Use (linked here), refuse, suspend or cancel an App Guest User’s access to the App.

9. Earning and redeemed z$

9.1 Zarraffa’s Z$:

(a) may only be earned on Eligible Transactions for which the Z Card Member/Z Card Holder presents their Z Card in accordance with clause 9.3 and are calculated based on the value of the Eligible Item(s) forming part of the Eligible Transaction only;

(b) may be earned but cannot be redeemed:

(i) during any Inactive Period by a Z Card Member; and

(ii) prior to completing Registration by a Z Card Holder;

(c) may be earned by Active Members at the Base Rate, and may only be redeemed for a Redeemable Item of a cost less than or equal to the customer’s Z$ balance;

(d) may only be redeemed for one (1) Redeemable Item per transaction;

(e) are issued and redeemed in whole amounts only. No change (in Zarraffa’s Z$ or Australian dollars) will be provided, and Zarraffa’s Z$ will only be earned on whole dollar amounts;

(f) cannot be redeemed for Australian currency and cannot be used in conjunction with Australian dollars;

(g) may only be earned in respect of Eligible Transactions completed by Zarraffa’s Z Card Members and Z Card Holders in respect of their own personal purchases;

(h) are calculated and allocated at the Base Rate based on the actual amount paid for Eligible Item(s) forming part of an Eligible Transaction, excluding the value of any complimentary items, upgrades or offers;

(i) are awarded after the relevant Eligible Transaction has been verified by Zarraffa’s, which may take up to 30 days; and

(j) are not recognised or available for use until successfully processed and applied to the relevant Z Card account by Zarraffa’s. Zarraffa’s is not liable for any delay in processing or applying Z$ to a customer’s Z Card.

9.2 Maximum Z$ balance: Notwithstanding any other provision of these Terms, a maximum of 15 Zarraffa’s Z$ may be accrued on a Z Card. The value of any Eligible Item(s) forming part of any Eligible Transaction in excess of this amount will not accrue additional Zarraffa’s Z$. It is the responsibility of the account holder to redeem their Zarraffa’s Z$ once this limit is reached to enable further Eligible Transactions to accrue Zarraffa’s Z$ at the Base Rate.

9.3 Customers must present Z Card: To earn Zarraffa’s Z$ on each Eligible Transaction in accordance with these Terms, Z Card Members and Z Card Holders must present their Z Card at the point of sale for scanning or otherwise recording the transaction, in the manner determined by Zarraffa’s, before the transaction is completed. If the Z Card is not presented at the point of sale, Zarraffa’s will not issue Zarraffa’s Z$ or permit the redemption of Zarraffa’s Z$ in respect of that transaction. It is the responsibility of the Z Card Holder or Z Card Member to present their Z Card at the point of sale.

9.4 Deducting Z$: Zarraffa’s may deduct from a Z Card any Zarraffa’s Z$ credited to the relevant Z Card account if those Zarraffa’s Z$:

(a) were credited in error;

(b) relate to an Eligible Transaction that is later cancelled, reversed or refunded; or

9.5 Cancelled unless redeemed: All accrued Zarraffa’s Z$ must be redeemed within six (6) months from the date they were credited to a Z Card account, after which time the corresponding Zarraffa’s Z$ will be cancelled.

10. earning z rewards

10.1 Z Card Members (provided they are an Active Member) and App Members may earn and redeem applicable Z Rewards in accordance with these Terms. App Guest Users cannot earn or redeem Z Rewards.

10.2 Z Reward(s):

(a) will only be awarded once eligibility has been verified by Zarraffa’s, which may take up to 30 days;

(b) are not recognised or available for use until successfully credited to the relevant Z Card account or App Member account (as the case may be). Zarraffa’s is not responsible for any delay in verifying a customer’s eligibility or crediting the relevant Z Card account or App Member account (as the case may be);

(d) may only be redeemed for a Complimentary Drink;

(e) do not accrue Z$ in any circumstances;

(f) must be presented at the point of sale in accordance with clause 10.3; and

(g) must be used in accordance with the applicable conditions set out in the Z Reward Schedule, failing which the relevant Z Reward(s) will be cancelled.

10.3 Only one (1) Z Reward may be used per transaction.

10.4 Customers must present Z Reward: If a Z Reward is not presented at the point of sale, Zarraffa’s will not permit the use of that Z Reward in respect of that transaction. It is the responsibility of the Z Card Member or App Member to present the applicable Z Reward at the point of sale.

10.5 Removing Z Rewards: Zarraffa’s may remove a Z Reward credited to a Z Card account (that has not yet been redeemed) if the Z Reward:

(a) was credited in error; or

(b) is reasonably determined by Zarraffa’s, in its discretion, to have been earned through fraudulent, misleading or dishonest conduct.

11. Other Benefits and Promotions

11.1 Zarraffa’s may, from time to time at its discretion, offer special promotions as part of, or separate to, the Z Card Program.

11.2 If Zarraffa’s offers a special promotion, we may notify customers via the App, email, text message, the Zarraffa’s Website, or any other method determined by Zarraffa’s at its discretion. These promotions will be subject to terms and conditions in addition to these Terms. We reserve the right to determine all terms and conditions of any such promotion at our absolute discretion, which may include (but are not limited to):

(a) the nature of the promotion;

(b) whether a special offer is given, and to whom;

(d) what constitutes an eligible transaction for the purposes of the promotion;

(e) the period during which an eligible transaction must be made to qualify;

(f) the duration of the promotion; and

(g) whether the special promotion can or cannot be redeemed in conjunction with any other promotion or membership offered by Zarraffa's.

11.3 Special promotions will in no circumstances be exchangeable or redeemable for cash.

11.4 From time to time, Zarraffa’s may:

(a) hold special events. If you receive any invite to a special event, you may be required to present your Z Card to gain entry or receive any applicable discount;

(b) permit Zarraffa’s Z$ to be redeemed for rewards other than the Redeemable Items. Where this occurs, Zarraffa’s will notify the relevant Z Card Member of the available rewards and the applicable terms of redemption via the App, email, text message, the Zarraffa’s Website, or any other method determined by Zarraffa’s at its discretion;

(i) information relating to the Z Card Program (including account-specific information);

(ii) information relating to other loyalty programs operated by Zarraffa’s Coffee Stores or related entities;

(iii) information relating to Zarraffa’s Coffee Stores;

(iv) information relating to the business of Zarraffa’s or its related entities; and

(v) offers or information from partners or associates of Zarraffa’s or Zarraffa’s Coffee Stores.

12. Errors and missing or incorrect allocation of rewards

12.1 Subject to clause 12.3, if you consider that there has been an error (including in relation to the Zarraffa’s Z$ balance and/or any Z Reward(s)), please contact Zarraffa’s using the Contact Details and provide:

(a) your full name;

(b) your Z Card number (if applicable);

(d) details of the dispute (for example, the Z$ balance that you consider should have accrued);

(e) copies of any relevant receipts and/or details of the relevant Z Reward or Z$ balance; and

(f) any other information Zarraffa’s may reasonably require to investigate and resolve the issue.

12.2 Following Zarraffa’s reasonable request in relation to an alleged error, you must promptly provide any further information reasonably requested by Zarraffa’s to enable it to investigate and resolve the issue.

12.3 You must submit any claim in relation to a missing or incorrect allocation of Zarraffa’s Z$ and/or Z Reward(s) in writing within 30 days of:

(a) where the claim relates to Z$, the date of the relevant Eligible Transaction; or

(b) where the claim relates to Z Reward(s), the date on which the relevant Z Reward was used or ought to have been allocated to the Z Card,

and you acknowledge and agree that, if a claim is submitted outside of these periods, Zarraffa’s is not required to consider the claim but may elect to do so in its absolute discretion.

12.4 Any matter relating to the earning or allocation of Zarraffa’s Z$ and/or Z Reward(s) will be determined by Zarraffa’s in its discretion.

13. Lost or stolen Z Card

13.1 You must notify Zarraffa’s as soon as practicable if your Z Card is lost, misplaced or stolen by contacting Zarraffa’s in writing using the Contact Details and providing:

(a) your full name;

(b) date and month of birth;

(d) details of the lost, misplaced or stolen Z Card (including Z Card number, if known).

13.2 Subject to clause 13.3, once a lost, misplaced or stolen Z Card has been reported to Zarraffa’s pursuant to clause 13.1, that card will be treated as cancelled. You may choose to Acquire a replacement Z Card by paying the Administration Fee and Registering a new Z Card. Within 30 days of Registering your replacement Z Card, you may request that any Zarraffa’s Z$ and/or Z Reward(s) remaining on the lost, misplaced or stolen Z Card be transferred to the replacement Z Card by:

(a) submitting the relevant form in the Member Portal; or

(b) contacting Zarraffa’s using the Contact Details.

13.3 Notwithstanding clause 13.2:

(a) any Zarraffa’s Z$ and Z Reward(s) not transferred within the period specified in clause 13.2 will be forfeited;

(b) Zarraffa’s is not liable for any unauthorised use of a Z Card arising from any delay by a Z Card Member or Z Card Holder in reporting the Z Card as lost, misplaced or stolen;

(c) Zarraffa’s Z$ and/or Z Reward(s) will not accrue on a Z Card once it has been reported as lost, misplaced or stolen; and

(d) the maximum amount of Zarraffa’s Z$ that may be transferred to a replacement Z Card is the amount that results in the receiving Z Card account not exceeding 15 Zarraffa’s Z$. Where a transfer would result in the balance exceeding 15 Zarraffa’s Z$, any excess Zarraffa’s Z$ on the lost, misplaced or stolen Z Card may be forfeited at our discretion.

14. Amendments & Program Changes

14.1 Subject to clause 14.3, Zarraffa’s may, from time to time, amend these Terms and/or vary the features, benefits or operation of the Z Card Program, including the Benefits offered under the Z Card Program

14.2 Without limiting clause 14.1, you acknowledge and agree that Zarraffa’s may make changes to eligibility and Membership requirements, Eligible Transactions, the Administration Fee, the Base Rate, and the accrual, expiry, cancellation, forfeiture, awarding, use and redemption of Zarraffa’s Z$ and Z Reward(s).

14.3 Zarraffa’s will provide at least 14 days’ notice of any material amendment to these Terms or any material change to the Z Card Program by:

(a) publishing the updated Terms on the Zarraffa’s Website, the Member Portal and/or the App; and/or

(b) notifying you via the App, email, text message, or any other contact details you have provided to Zarraffa’s.

14.4 Any amendment will take effect on and from the date specified by Zarraffa’s in the relevant notice (which must not be less than 14 days from the date of the notice), or, where no date is specified, 14 days from the date of the notice.

14.5 By continuing to access or use the Z Card Program or App after an amendment takes effect you agree to be bound by the amended Terms.

15. Amendments to the Z Reward Schedule

15.1 Notwithstanding any other provision of these Terms, Zarraffa’s may amend, vary or replace the Z Reward Schedule from time to time by:

(a) publishing the updated Z Reward Schedule on the Zarraffa’s Website, the Member Portal or the App; and/or

(b) notifying you via the App, email, text message, or any other contact details you have provided to Zarraffa’s.

15.2 Any amendment to the Z Reward Schedule will take effect immediately upon publication or notification by Zarraffa’s, unless specified otherwise in the publication or notification.

15.3 The current version of the Reward Schedule is available at: https://zarraffas.com/fine-print, and it is your responsibility to review the version in effect at the relevant time.

15.4 By continuing to access or use the Z Card Program or App after an amendment takes effect you agree to be bound by the amended Z Reward Schedule

16. Termination and Transfer

16.1 Zarraffa’s may terminate the Z Card Program or the App at any time by giving at least 30 days’ written notice by:

(a) publishing a notice on the Zarraffa’s Website, the Member Portal or the App; and/or

(b) notifying you via the App, email, text message, or any other contact details you have provided to Zarraffa’s.

16.2 Once any such termination takes effect:

(a) you will immediately cease to earn Zarraffa’s Z$ and Z Reward(s); and

(b) all accrued Zarraffa’s Z$ and Z Reward(s) will automatically be forfeited and cancelled without compensation,

and, to the maximum extent permitted by law, the Zarraffa’s Group will have no further liability to you arising from or in connection with the termination or the forfeiture of any Zarraffa’s Z$ or Z Reward(s).

16.3 Zarraffa’s may, at its discretion (acting reasonably), immediately refuse, suspend or terminate your participation in the Z Card Program or access to the Zarraffa’s App if Zarraffa’s reasonably believes that:

(a) you have breached these Terms;

(b) you have engaged, or may engage, in fraudulent, misleading or dishonest conduct, or such conduct is suspected in connection with your Z Card account, use of the App or any claim for Zarraffa’s Z$ or Z Reward(s);

(d) you are a Z Card Holder and have not completed Registration within six (6) months of Acquisition of the Z Card; or

(e) there are other reasonable grounds to do so, provided that Zarraffa’s gives you at least 24 hours’ notice.

16.4 If your participation in the Z Card Program or access to the Zarraffa’s App is suspended or terminated, you will immediately cease to earn Zarraffa’s Z$ and Z Reward(s), and any accrued Zarraffa’s Z$ and/or Z Reward(s) will be forfeited without compensation (at Zarraffa’s discretion).

16.5 You may terminate your participation in the Z Card Program or use of the App at any time by notifying Zarraffa’s in writing using the Contact Details or by following the process set out in the Member Portal or the App. Any written notice must include your name, contact phone number and any other information reasonably requested by Zarraffa’s. Upon termination:

(a) your Z Card will be recorded as closed;

(b) you will immediately cease to earn Zarraffa’s Z$ and Z Reward(s); and

16.6 We may require the return of any physical Z Card following termination of participation in the Z Card Program, at your expense.

17. Notice

17.1 Subject to any express provision to the contrary, Zarraffa’s may give notice to you by:

(a) publishing the notice on the Zarraffa’s Website, the Member Portal or the App;

(b) sending the notice to your last known email address or mobile phone number; or

17.2 A notice given by Zarraffa’s will be taken to have been received:

(a) if given electronically, at the time it is posted or otherwise made publicly available;

(b) if sent electronically, at the time it is sent; and

(c) if sent by post, on the date of actual receipt or the date on which the notice would be delivered in the ordinary course of post (whichever occurs first).

17.3 Subject to any express provision to the contrary, you may give notice to Zarraffa’s only by sending the notice to the Contact Details or, where made available by Zarraffa’s, via the Website, the App or Member Portal in the manner specified by Zarraffa’s. A notice given by you will be taken to have been received only:

(a) if submitted via the Website, the App or Member Portal, when the notice is successfully recorded in Zarraffa’s systems in accordance with the applicable functionality;

(b) if sent electronically, when actually received by Zarraffa’s systems (excluding any automated out of office or failure message); and

and Zarraffa’s is not responsible for any failure, delay or non-receipt of a notice where the notice is not sent strictly in accordance with this clause.

18. General Information

18.1 You must promptly notify Zarraffa’s of any change to your name, address (including postcode or suburb), telephone number, email address or other contact details. Updates may be made via the Member Portal or the App. Zarraffa’s is not responsible for any failure by you to notify Zarraffa’s of any change, including where this results in the loss of Zarraffa’s Z$, Z Reward(s) or any other Benefit. Zarraffa’s may, at its discretion, require written proof of any updated details.

18.2 An App Guest User, Z Card Holder, Z Card Member or App Member is solely responsible for any government tax, duty or other charge imposed by law in any jurisdiction in connection with the Z Card, participation in the Z Card Program, any Zarraffa’s Z$ earned or redeemed, any Z Reward(s) allocated or redeemed, and any other Benefit or transaction under the Z Card Program.

18.3 Any failure or delay by Zarraffa’s in exercising a right under these Terms does not operate as a waiver of that right. Any waiver by Zarraffa’s must be in writing and signed by an authorised representative of Zarraffa’s.

18.4 Except to the extent required by law (including any statutory consumer guarantees under the Competition and Consumer Act 2010 (Cth) which cannot be excluded) or to the extent expressly provided otherwise in these Terms, and except to the extent that the loss, damage, cost or expense is caused or contributed to by the negligence, fraud, wilful misconduct or breach of these Terms by Zarraffa's or its Related Body Corporates, Zarraffa’s excludes all liability for any loss, damage, cost or expense arising from or in connection with:

(a) any breach of these Terms or any term implied by law by any person other than Zarraffa’s;

(b) any Zarraffa’s Z$, Z Reward(s) or other Benefit;

(d) the loss, theft or destruction of a Z Card or any Benefit;

(e) any failure, delay or inability to provide (or allow a customer to redeem) Zarraffa’s Z$, Z Reward(s), a Z Card or any Benefit due to events beyond Zarraffa’s reasonable control, including industrial disputes, acts of God, natural disasters, pandemics, war or civil disturbance provided that Zarraffa's takes reasonable steps to mitigate the effect of the event and to reinstate or substitute the affected Benefit once the event has ceased; or

(f) the use of, or inability to use, the Z Card, Z Card Program or the App by any person.

18.5 These Terms are governed by the laws of Queensland, Australia. You submit to the non‑exclusive jurisdiction of the courts of Queensland, Australia.

19. Privacy Notice

19.1 We are bound by the Australian Privacy Principles outlined in the Privacy Act 1988 (Cth).

19.2 Zarraffa’s collects, uses and handles Personal Information in accordance with applicable privacy laws and our Privacy Policy.

19.3 These Terms should be read in conjunction with the Privacy Policy, which sets out further details regarding how Personal Information is collected, used, disclosed and managed. To access our Privacy Policy, click here.

19.4 By accessing or using the Website, the App or the Z Card Program, you are taken to have given consent to the Privacy Policy which contains information, amongst other things, about how your Personal Information (if any) is handled and how you may access Personal Information that is held by us about you and seek correction or the removal of such information. We may from time to time (in accordance with our Privacy Policy) disclose your Personal Information to related entities and third party service providers in Australia and New Zealand.

19.5 If you have any concerns or questions regarding your privacy, please contact us by telephone on 07 5500 0800 or send any questions or queries via our email address: admin@zarraffas.com.

Schedule 1 – Z Reward Schedule

This Reward Schedule outlines the Z Rewards and their associated conditions. This Reward Schedule may be amended or replaced from time to time in accordance with clause 15. The current version of the Reward Schedule is available at: https://zarraffas.com/fine-print, and it is your responsibility to review the version in effect at the relevant time.

1 Happy Birthday Reward