My PlayDough – Parents – Terms of Service

Effective 6 March 2023

These terms of service (“Terms of Service”) pertain to the My PlayDough – Parents Platform (“Platform”, as defined below) and constitute a legal agreement between you and Pay Me Now Please Pty Ltd trading as Onesto Australia (“Onesto”). As used in these Terms of Service, the words “you” and “your” refer to you, the user of the Platform (as defined below), as the party agreeing to these Terms of Service. The words “we”, “us”, “our” and any other variation thereof refer to Onesto. Any reference to “Onesto” in this document includes our directors, officers, employees, contractors, and owners. As used in these Terms of Service, the term “Platform” includes all platforms associated with My PlayDough -Parents Application, and websites linked to the My PlayDough – Parents Application (either to access the Application or websites that are linked to the Application) and all devices or applications that we operate that link to these Terms of Service, pages within each such website, device, or application, any equivalent, mirror, replacement, substitute or backup website, device, or application, and pages that are associated with each such website, device, or application. The use of the word “including” in these Terms of Service to refer to specific examples will be construed to mean “including, without limitation” or “including but not limited to” and will not be construed to mean that the examples given are an exclusive list of the topics covered. 

1. Acceptance of Terms

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE ONE MEMBER BENEFITS PLATFORM, YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE

THE MY PLAYDOUGH – PARENTS – PLATFORM. You may not use the My PlayDough – Parents Platform or accept these Terms of Service, if (a) you are not legally capable of entering into binding contracts, or you do not have legal capacity to do so; (b) you are prohibited by law from receiving or using the Platform; (c) you are not an Australian resident; or (d)you do not have a valid and verifiable email address and Australian mobile phone number. When you use the Platform after you are notified of the changes, you are deemed to have accepted the new Terms of Service and agree to be bound by the changes. You can withdraw from using Platform at any time

2. Your Virtual Accounts

After agreeing to these terms of service and privacy policy, you will have two (2) virtual accounts set up and accessible via the Platform – your “Shopping Account” and your “Savings Account” (collectively “Virtual Accounts”). Each of these Virtual Accounts will have their own Pay ID, and or/BSB and account number. These Virtual Accounts are provided by our third-party payment provider, Zepto Payments Pty Ltd (“Zepto”).

You acknowledge that you must accept the Zepto’s terms and conditions as contained in Zepto’s website, and updated and amended from time to time, before using their payment services, and that Zepto’s terms and conditions are hereby incorporated into these Terms of Use. The links to Zepto’s website and relevant web pages are listed as follows for your reference:

• https://www.zepto.com.au

Your Virtual Accounts are for your personal use only. You must not permit another person to access your One Member Benefits account or your Virtual Accounts.

Your Shopping Account and your Savings Account will allow you to accept deposits from an external bank account, or your Earned Wage payments. Once money has been deposited into your  Shopping Account you will be able to make purchases with our selected retailers in the Platform by using Shop. Please note that you cannot make giftcard purchases from your Savings Account, however you can transfer from your Savings Account to your Shopping Account.

After completing your purchases, your cashback saving will be transferred into your Savings Account. You can transfer funds from your Shopping Account and your Savings Account, free of charge.

You can make withdrawals from your Shopping Account and your Savings Account. Please note that transaction times will vary. You can withdraw funds to an Australian bank account of your choice.

When making any bank transfers through when using the Platform, it’s your responsibility to ensure that all bank account information you have provided is correct. If you enter an incorrect BSB, account number or PAYID your payment may be paid to an unintended recipient and may not be recovered. We do not check that the details provided by you are correct or that the account name matches the account number. It is also your responsibility to ensure that your PAYID is correctly copied to your external bank if you wish to transfer funds into your Onesto Shopping Account or your Savings Account. If you enter an incorrect PAYID to your external bank when making a transfer your payment may be paid to an unintended recipient and may not be recovered.

Shop

The Platform allows you to make purchases at any of the approved retailers. Using funds from your Shopping Account, you can purchase a variable or fixed value giftcard for your desired approved retailer. Please note, you are not able to make purchases from funds in your Savings Account.

Giftcard means a stored value or prepaid card which:

1. can be used to purchase services or merchandise from suppliers;
2. may not be redeemable for cash;
3. prominently displays either the expiration date or the number of months following purchase that such card or mechanism expires.

For the avoidance of doubt, gift card means closed loop pre-paid cards.

Any terms and conditions pertaining to your purchase of a giftcard with a selected retailer will be displayed via the Platform before you confirm your purchase. Please note that any terms and conditions between you and the selected retailer are independent of us. If you have any issues with goods or services purchased with selected retailers using a giftcard purchased on the Platform, you should follow this up directly with the selected retailer.

Please note that the list of retailers is subject to change, and we make no warranties about the availability of any selected retailers on the Platform.

When selecting to purchase a giftcard with a selected retailer, if you wish to use funds in your Shopping Account for a one-off purchase, you can select the amount for that purchase at the time of payment and make the transaction using your variable value giftcard. If you are left with a residual balance on your Digital Giftcard, you can move this residual balance to the Gift Card Section in Pocket, where it will then be stored as a fixed card, for you to use another time.

Please note that we make no representations that it will be able to show residual balances of your Digital Giftcards. The availability of Digital Giftcards balances will depend on the specific approved retailer.

Loyalty

If you have a loyalty card for any of our approved retailers, you can store these in the Platform under the Pocket section for Loyalty Cards. You will be able to use your loyalty cards at selected retailers at the time of purchase, when using the Platform.

3. Consumer Rights

The delivery and the quality of the goods and/or services purchased by you with your Digital Giftcards is the responsibility of the approved retailer, where you make your purchase/s.

You acknowledge that we do not have any control over, and are not responsible or liable for, the products or services purchased from approved retailers on the Onesto platform using Digital Giftcards. We cannot ensure that an approved retailer will complete your transaction.

As a consumer, you have certain rights under consumer protection legislation (“Consumer Rights”). These rights include:

1. Statutory guarantees under the Australian Consumer Law that goods will be of acceptable quality, match their description and be fit for any purpose made known to the consumer, and that services supplied will be provided with due care and skill and be reasonably fit for any specified purpose. When a statutory guarantee is breached, consumers are entitled to a range of remedies, including, in some cases, damages for reasonably foreseeable losses; and
2. Non-excludable implied warranties that financial services will be provided with due care and skill and that the services and any materials supplied in connection with them will be fit for any specified purpose.

Nothing in these Terms of Service is intended to exclude, restrict or modify any of your Consumer Rights, including by limiting our liability or imposing liability on you in a manner which would be considered unfair under the relevant consumer protection laws. Subject to your Consumer Rights, we do not give any implied warranties or guarantees. Except as required by law, we do not guarantee continuous, uninterrupted or secure access to our Digital Giftcards on our platform, and we make no representations or warranties regarding the amount of time needed to complete the processing of orders or payment transactions.

4. Privacy and your Personal Information

For information about our privacy and data protection practices, please read Onesto’s Privacy Policy, which is available to access and view on the Onesto Platform at www.onesto.co/privacy-policy

Our Privacy Policy explains how we manage personal information you provide to us when you access and use the Platform. The types of personal information which we collect to enable us to provide our services to you are detailed at clause 6 below.

At all times we aim to protect the privacy of your personal information, maintain your rights in relation to your personal information managed by us, and ensure we collect, hold, use and disclose your personal information in accordance with its obligations under the Privacy Act 1988 (Cth) (Privacy Act), the 13 Australian Privacy Principles in the Privacy Act and all other relevant Australian privacy laws.  The ways in which we seek to achieve these aims, and satisfy its obligations, are detailed in our Privacy Policy.  Your acceptance of these Terms of Service constitutes an acceptance of Onesto’s Privacy Policy.

Our Privacy Policy may be updated, amended and/or replaced in whole or in part from time to time at our absolute discretion and any updates, amendments or replacements will be effective from the time they are posted to the Platform.

5. Your Information
You agree to provide accurate and up to date profile information, including, as applicable, your name, date of birth, member number, postcode, email address or other contact information, bank account details and any additional information, such as the identity verification information referred to below, which may be required by us from time to time (“Your Information”) to enable us to provide our services to you.

By agreeing to these Terms of Service, you represent that Your Information you provide to us is information about you and not information about another identifiable individual, and that it is accurate and up to date.

You further agree to promptly update Your Information whenever any aspect of Your Information, including your employment status and earnings information, is no longer accurate. You can update Your Information by clicking on the settings link after you login to the Platform.  If you need assistance with altering or updating Your Information, please email us at support@myplaydough.com.au.

Any failure to promptly update Your Information is a breach of these Terms of Service and may impact the services we provide, or is able to provide in the future, to you.

We do not accept any responsibility for any payment processing errors, bank or other fees, or other Platform-related issues arising from your failure to update and keep current Your Information.

In order for you to use the Platform we may be required to verify Your Information you provide to us, and your identity.

You authorise us to request confirmation of any of Your Information you provide to us. 

You further authorise us to take additional steps as necessary to validate your identity in accordance with our obligations under Australian law. These additional steps may include asking you for further information or requiring you to take steps to confirm ownership of your email address or bank account. If you do not provide this information, or we cannot verify your identity to our satisfaction, we can refuse, at our absolute discretion, to provide to you the services provided on the Platform.

If you believe that Your Information, or a device that you use to access the Platform, has been lost or stolen, that someone is using your account without your permission, or that an unauthorised transaction has occurred on your account, you must notify us immediately at support@myplaydough.com.au.

 

6. Disclosure and Consent to Electronic Communications

You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information may be provided by Onesto to you electronically (e.g., by email, through the My PlayDough – Parents Platform or to your mobile device) on an ongoing basis, unless and until you withdraw your consent as set out below.