Savvy & Account - Terms & Conditions

In particular, they cover:

• the use of your card physically, online and digitally through Apple Pay and Google Wallet for Google Pay;
• the use of mybooster, the Booster NZ app, and any other service Booster makes available to transfer funds from your Savvy account and between your Savvy stacks; and
• the smart account tools for your Savvy account made available in the Booster NZ app.

These terms and conditions form part of your agreement with Booster together with the Savvy Apple Pay Terms and Conditions (as applicable), the Savvy Google Pay Terms and Conditions (as applicable), Booster’s general terms and conditions and the Booster Savvy Fund Product Disclosure Statement. The provisions of these terms and conditions relating to Apple Pay or Google Wallet for Google Pay apply only to the extent you have registered your card for Apple Pay or Google Wallet for Google Pay.

If there are any inconsistencies between these terms and conditions and Booster’s General Terms and Conditions, these terms and conditions overrule Booster’s General Terms and Conditions (but only in relation to that difference).

Make sure you read and understand these documents. By being a Savvy account holder you agree that you have read, understood, and will comply with these terms and conditions.

Safeguarding your physical card and PIN

As soon as you receive your physical card, sign the back of it with a ballpoint pen. You must not use it until you have signed it and set a PIN in the Booster app. You must:

• choose a PIN that’s hard for others to work out;  
• change your PIN regularly;
• memorise your PIN– don’t record it anywhere;
• keep your PIN different from your other PINs; and  
• always keep your PIN confidential.  

You must exercise every possible care to ensure the safety of your card. You must not allow others to use your card or card information. You must keep your card secure and not leave it unattended or anywhere it could be stolen.

You must keep your contact details, including phone number and postal address, up-to-date in mybooster so that we can communicate with you.  

If you enter the wrong PIN three times when using an ATM, your card will be retained and suspended and cannot be recovered. You will be required to apply for a new card.

If you enter the wrong PIN three times when using a point of sale terminal your card will be suspended. To re-activate your card, call Booster on 0800 336 338 (or +64 4 894 4300 if calling from overseas) and we can re-activate your card. 

You must ensure that:

• you only store your own biometric ID on your Apple device or supported device;
• you only set up your own card for use with a digital card transaction (e.g. Apple Pay or Google Wallet for Google Pay);
• you only make a digital card transaction on your own device, or an device you are authorised to use, for example, by your employer. You must not set your card up for use with a digital card on a shared device;
• no one else uses your device, or your supported device to make payments with a digital card;
• you exercise every possible care to ensure the safety of your device or supported device and prevent loss, theft and unauthorised or fraudulent use. This includes locking your device or supported device when it is not in use, not leaving your device or supported device unattended, keeping your passcode secure, and ensuring up-to-date software is installed on your device or supported device; and
• you remove your digital card or cards from your device or supported device before selling or giving your device or supported device to someone else.

If you do not comply with the requirements in this section, you will be treated as having caused or contributed to loss arising from the unauthorised use of your Savvy account. Please refer to the section Liability if your card or device is lost or stolen or your card information is compromised in this document.

In New Zealand, your physical card can be used at any electronic funds device, or at any merchant displaying the Mastercard symbol.

By using your physical card or digital card to make a transaction, you give us the authority to take that amount from your account (by redeeming whole or part units in the Savvy Fund of that amount) and pay that amount to the merchant. You can’t stop or reverse the transaction once the transaction is made. We don’t have to check who is making the transaction, or whether it has your authority.

A transaction will be deducted from your account at the time the transaction is made, or as soon as possible thereafter, subject to our right to vary that date due to circumstances beyond our control.

If you authorise a stand in services transaction (where the electronic funds device cannot connect to the card issuer), that is authority for us to process that transaction to your account.

When you authorise a remote transaction (a transaction using your card information only), that is authority for us to take that amount from your account (by redeeming units) and pay it to the merchant. If you authorise a merchant to take additional or regular payments without the need for your signature, those amounts will be taken out of your account without further authority.

Always consider the security and standing of the merchant when deciding whether to authorise a remote transaction. Pop-up ads or phishing links can be malicious and failure to consider the safety of these sites can be considered negligence on your part and therefore make you responsible for what the merchant does.

Your card can be used to make contactless transactions by holding your physical card near a contactless terminal. If your card has been added as a digital card (e.g. Apple Pay or Google Wallet for Google Pay), you can use that service to make contactless transactions by holding your device near a contactless terminal. You will be required to enter your PIN into the terminal or to sign to use your physical card, Apple Pay or Google Pay for contactless transactions over certain transaction limits.

If your card has been added as a digital card, you can use that service to make payments through participating apps and online with participating merchants. You may be required to enter your device security credentials (e.g. the device PIN, passcode or biometric ID) on your device to complete a transaction.

Although we work hard to ensure access to your card (both physically and as a digital card), there may be times when access to your card is temporarily unavailable. This could happen in the event of an outage of one or more systems involved in the payments network, of Apple Pay’s systems, of Google Wallet’s or Google Pay’s systems, or of Booster’s own systems. We use common market practices to minimise any disruption to you.

You can use your physical card and your digital card for foreign currency transactions. Mastercard will either convert the transaction from the original currency to US dollars and then into New Zealand dollars, or convert the transaction directly from the original currency to New Zealand dollars.

Mastercard determines the exchange rate for a foreign currency transaction and executes the conversion. We will charge an International Transaction Fee for a foreign currency transaction. See Savvy Fees for details of this fee.

The amount of a foreign currency transaction reversed or refunded to your account may differ from the original amount debited due to changes in the currency conversion rates that may have occurred between the time of the original transaction and the time of the reversal or refund.

You can use your physical card with any overseas merchant, bank or electronic funds device displaying the Mastercard symbol, and your digital card with any overseas merchant or contactless terminal.

We will charge an International Transaction Fee for a transaction which involves making payment to an overseas merchant in person or by remote transaction (either in a foreign currency or in New Zealand dollars). See Savvy Fees for details of this fee.

We will charge you an International Transaction Fee for an overseas ATM withdrawal. Overseas banks and financial institutions may also charge you fees for using their ATMs or withdrawing cash over the counter. See www.booster.co.nz for details.

If you plan to use your card overseas, you should let us know on 0800 336 338 (or +64 4 894 4300 if calling from overseas) so we don’t mark your transactions as suspicious and block your physical and/or digital card.

Merchants may require authorisation of a transaction for up to 7 days before the transaction is made. This is common in the case of accommodation and car rental companies. The authorised hold will require redemption of units equal to that amount and will reduce the available funds in your account until the payment is processed.

Merchants may also check card authenticity by requesting a hold for a nominal amount. These holds may last for 7 days.

You are responsible for all transactions made on your account, including but not limited to:

• cash withdrawals and sales vouchers signed or authorised by you;
• mail and telephone order or ecommerce transactions authorised by you;
• Electronic Funds Transfers (EFTs) carried out on your account using your card;
• other transactions authorised by you; and
• amounts debited to your account which exceed the daily limits (as set out in the Booster Savvy Fund Product Disclosure Statement) through some other means, for instance stand in services transactions.

If a digital card is enabled on your device, and another person can unlock your device, you are taken to have authorised that person to transact on your account using the digital card. This means that any digital card (e.g. Apple Pay or Google Pay) transaction initiated by the relevant person will be treated as authorised by you and you will be responsible for paying for those transactions. This could result in significant loss or liability to you in relation to such transactions. The provisions in these terms and conditions which deal with unauthorised transactions will not apply to those transactions.

We might not process a payment or transfer if your available balance is less than the amount of the payment or transfer requested by you. If we do process a payment or transfer that exceeds your available balance, you must immediately pay the shortfall to us. You are responsible for checking all transactions on your account to ensure their accuracy and notifying us of any mistakes.

As a Mastercard cardholder, Mastercard’s Zero Liability Protection applies to you and you will not be responsible for unauthorised transactions if you have used reasonable care in protecting your card from loss or theft, and you promptly reported the loss or theft to us.

Once you notify us that your card has been lost or stolen, or your card information has been compromised, you are not responsible for any unauthorised use of your card after that time, except where:

• you have acted fraudulently, negligently, breached these terms and conditions or breached any Apple Pay terms and conditions or Google Pay terms and conditions; or
• you have instructed us to leave your account open following any unauthorised activity.

If any of the above occur, your maximum liability will be the lesser of:

• the actual loss at the time you notify us; or
• the maximum amount that you would have been entitled to withdraw from your account between the time your card was lost or stolen and the time you notify us.

You will not be liable for losses incurred, where your physical card, or any replacement physical card, has been used before you receive that physical card, provided that your address is up to date in mybooster.

You must give us information and any help we reasonably require to deal with any misuse of or unauthorised access to your account, or any transaction we, the police or any other authority is investigating.

Except as expressly stated in these terms and conditions, the general terms and conditions, and to the extent permitted by law, we will not be liable to you for, and, if we are liable, you agree to indemnify us against, any loss or claim that results directly or indirectly from the unauthorised use of your card, card information or PIN, your use of Apple Pay or Google Wallet and Google Pay, or the failure of any machinery used or system involved in a transaction.

We will not be liable if any bank or merchant refuses to accept or conditionally accepts your physical card, digital card or will not allow your physical card, digital card to be used to purchase particular goods or services.

We will not be liable if:

• your Apple device or Apple Pay does not work; or
• your supported device or Google Pay does not work; or
• contactless transactions are not available at a merchant or location; or
• you are unable to use Apple Pay or Google Pay because there is an issue with a communications network.

You also agree that, to the extent permitted by law, Booster won’t be responsible for any direct or indirect loss or damage:

• to your device from any use or attempted use of a digital card; or
• arising from the goods or services or services which you have purchased using your card; or
• as a result of us refusing to complete any transaction in accordance with these terms and conditions.

Except as expressly stated in these terms and conditions and the Booster General Terms and Conditions, and to the extent permitted by law, we will not be liable to you, and, if we are liable, you agree to indemnify us against, any loss or claim that results directly or indirectly from:

• your fraud or negligence; or
• your breach of these terms and conditions or the Booster General Terms and Conditions; or
• failure of machinery used or a system involved in a transaction; or
• unauthorised use of your digital card in your device; or
• your use of a digital card or your device or supported device in a manner not permitted by the provider of the digital card service.

Your card and card number are our property. You must not copy or reproduce your card. If we ask you to return or destroy your card, you must do so as soon as you can.

You are responsible for checking all transactions on your account to ensure their accuracy and notifying us of any mistakes.

If you know or suspect your card is lost or stolen, or someone else knows your PIN, log in to mybooster or the Booster NZ app immediately to block your card and report it stolen. Alternatively, call us immediately on 0800 336 338 (or +64 4 894 4300 if calling from overseas). If you require a replacement card, we may charge you a card replacement fee.

If you know or suspect that:

• your Apple device or supported device or the SIM card for your Apple device or supported device is lost or stolen; or
• someone else has used your digital card (e.g. without your authority; or
• someone else knows the passcode on your device; or
• the telephone number for your device is transferred to someone else without your permission, and you are suddenly disconnected from the mobile service on your device or supported device; or
• a security breach has occurred in relation to your device or your digital card, call us immediately on 0800 336 338 (or +64 4 894 4300 if calling from overseas).

If you block your card, it will only block the use of your physical card and you will still be able to use your digital card (i.e. Apple Pay or Google Pay).

Cancelling your card will mean you are unable to use your physical card or your digital card (i.e. Apple Pay or Google Pay).

If you need to block the token loaded onto your Apple Pay or Google Wallet, please call Booster on 0800 336 338 (or +64 4 894 4300 if calling from overseas) as soon as practicable.

If you have a dispute with a merchant regarding a transaction, we encourage you to try to resolve the issue with the merchant in the first instance. If you are unable to resolve the issue with the merchant, or you believe that a transaction was not authorised by you or was incorrect, you can dispute the transaction through a chargeback request. The ability to dispute transactions is limited and subject to Mastercard’s rules.

There are certain transactions that you cannot dispute, for example if you disagree with a merchant about the quality of goods or services, or you change your mind about wanting to buy the goods and services. You cannot dispute a transaction that was made in New Zealand using an electronic funds device.

If you wish to dispute a transaction, you must notify us within 60 days of the date of the disputed transaction. You can contact us by phone at 0800 336 338 or (or +64 4 894 4300 if calling from overseas) between 8:00am – 8:00pm Monday to Friday.

Once you notify us, we will provide a Notice of Disputed Transaction form for you to complete and return to us. You can download a copy of the form here. Where you have a dispute with a merchant regarding a transaction, we may require you to provide evidence that you have attempted to resolve the issue with the merchant. Once we’ve received your form, we’ll investigate your dispute and get back to you as soon as we can.

We charge a $50 fee for every disputed transaction, which reflects the cost charged to us by our external provider. Where Booster is satisfied that a transaction is fraudulent and not caused by things you did or didn’t do, Booster will not charge this fee.

If you are not happy with the outcome of your dispute and you wish to make a complaint, please see https://www.booster.co.nz/contact-us/how-to-complain for our complaints process.

If your card becomes damaged or faulty, we will issue a new card once the damaged or faulty card has been returned to us with a description of how the damage occurred or what the fault is. You may be charged a card replacement fee.

We may block or suspend your card at any time if we believe we have good reason to do so. For example, we may block or suspend your card if we identify suspicious activity on your card, or we suspect you are laundering money. You may not be given prior notice of the cancellation.

We may block or cancel your ability to use your digital card to make transactions using that service (e.g. Apple Pay or Google Pay) at any time if we believe we have good reason to do so. For example, reasons we might block or cancel your ability to use your digital card include, but are not limited to:

• you breach these terms and conditions or Booster’s General Terms and Conditions; or
• we are directed to do so by Apple, Google or Mastercard; or
• our arrangements with Apple regarding Apple Pay, or Google regarding Google Wallet and Google Pay, cease or are suspended; or
• we are required to do so by a regulatory or government body.

If you no longer want your card, let us know and either destroy it or return it to us. Once your card is cancelled, you’re still liable to us for some amounts. These include amounts debited to your account for any transactions or fees charged after your card was cancelled. You’re also still liable for any recurring transactions, subscriptions, and related fees debited to your account. Just cancelling your card does not close your Savvy account but you are able to do that by letting us know that you want to do this.

Your card is valid until the expiry date shown on the card. Your card cannot be used after expiry. Make sure your address is always up to date on mybooster as your replacement card will automatically be sent before the expiry of your current card.

You agree to pay all fees and other charges relating to the use of your card. These fees and charges apply to transactions using your physical card and to transactions using your digital card. You agree that we may deduct such fees and other charges from your account. For further information on fees and other charges please see the Booster Savvy Fund Product Disclosure Statement and Savvy Fees.

We do not charge you any additional fees for setting up a digital card (i.e. adding your card to Apple Pay or Google Wallet or making transactions using Apple Pay or Google Pay).

We have no control over circumstances where merchants may apply a surcharge, such as to use contactless terminals.

This section describes the terms of use you accept in using mybooster, the Booster NZ app, or any other service Booster decides to make available for the transfer of funds from your Savvy account and between your Savvy stacks.

You can access your Savvy account through mybooster or the Booster NZ app. To access mybooster or the Booster NZ app you will be required to use one of the following verification methods:

• biometric ID; or
• Booster NZ app PIN; or
• username and password with optional multi-factor authentication.
• It's important that you also take steps to ensure your data security.

A strong password is long, preferably with a mix of numbers and special characters. A simple phrase of 4 or so words is also effective.

Keep your mybooster and Booster NZ app password secure by:

• making your password long and strong;
  using a different password for every online
• account you use;
• not using easily identifiable personal information (e.g. date of birth, pet's name); and
• never sharing your password.

In order to protect the funds within your Savvy account, and your personal information contained within mybooster and the Booster NZ app, you must ensure that:

• you only store your own biometric ID on your device;
• you do not disclose your username, password or Booster NZ app PIN to another person; and
• you exercise care to ensure the safety of any your device, and prevent loss, theft and unauthorised or fraudulent use. This includes locking your device when it is not in use, not leaving your device unattended, keeping your passcode secure, and ensuring up-to-date software is installed on your device.

Where you believe someone has access to your device and can access your mybooster or your account on the Booster NZ app you must call us immediately on 0800 336 338 or (+64 4 894 4300 if calling from overseas) and we will place a block on your Booster account.

You are able to set up a bill payment by selecting from a prepopulated list of recipients which contains the company name, the account number and, in some cases, a format to populate reference fields within the payment instructions.

This information is sourced from Payments NZ who centrally manages this information for the New Zealand payments system.

Booster is not liable for the accuracy of any recipient’s information.

Where offered by a merchant, you can also set up a bill payment by providing the merchant with your Savvy card number.

If you enter the incorrect account number for a recipient:

• where the account number is valid but the recipient is incorrect, the transfer will be processed. You can call us on 0800 336 338 (+64 4 894 4300 if calling from overseas) to let us know about the issue. We will attempt to recover the funds from the recipient and return them to you. Where the recipient declines to return the funds, you have the option of pursuing recovery of the funds through the courts.
• where the account number is invalid, the receiving institution will attempt to identify the correct recipient. Where the issue is an incorrect suffix in the account number, the receiving institution will post the funds to the next best alternative account number. Where this is not possible, the funds will be returned to your account within 2 business days.

We will reimburse you for funds transferred from your Savvy account where the transfer results from:

• the fraud or wilful misconduct of any employee of Booster;
• a faulty, falsified, expired or decommissioned part of mybooster or the Booster NZ app.

To the extent permitted by law, we will not be liable to you for, and, if we are liable to you, you agree to indemnify us against, any loss or claim that results directly or indirectly from:

• you disclosing your app PIN, username or password to another person or allowing another person to store biometric ID on your device;
• the actions of a party other than Booster in the processing of your transfer instruction; and
• your inability to use our services because of:
  power or internet connection failure;
• failure of your device; and
• failure of any third parties who perform services to enable the running of mybooster, the Booster NZ app or any other service Booster provides.

Your use of the smart tools services provided through the Booster NZ app in relation to your Savvy account (smart tools) is subject to Booster’s General Terms and Conditions, except to the extent of any modification below.

The smart tools use artificial intelligence powered enrichment built by us and by third-parties. To perform their functions, the smart tools require data provided by you. Booster does not provide that data to any third party and you agree to the collection, storage and use of your data in accordance with Booster’s Privacy Policy found here.

In using the smart tools you agree that:

Booster will not be liable for any actions taken by you, or actions taken according to instructions set by you, that may cause loss to you;

• the smart tools provide suggestions only, and you may choose whether or not to take action on those suggestions;
• your use of the smart tools and the information provided by them is at your own risk and Booster does not warrant that the smart tools or the information provided by them are error free;
• the information provided by the smart tools is of a general nature and is for information purposes only and is not intended to be personalised advice. The information is not a substitute for personal financial or other professional advice, and does not take into account all of your particular circumstances; and
• you should get professional advice on your individual requirements before purchasing any financial product referred to in the smart tools or before making any financial decision.

Terms and conditions set by third parties

In addition to these terms and conditions, the use of your card in an electronic funds device is subject to the terms and conditions imposed from time to time by other financial institutions that are parties to any EFT system.

Changes to these terms and conditions

These terms and conditions and/or the Booster General Terms and Conditions may be varied by us at any time. We will endeavour to provide notice by email, mail, text, mybooster, or on our website. If you continue to have a Savvy account after the date specified in the notice, you will be deemed to have accepted the changes.

Enforceability

If any provision or part of a provision of these terms and conditions is illegal, invalid or unenforceable, it will be severed from these terms and conditions and the remaining provisions (or parts of provisions) will continue in full force and effect.

Definitions

These definitions apply to the terms used in this document (unless the context requires otherwise):

account

The nominated Booster Savvy account from which your funds will be withdrawn using your card.

Apple 

Apple Inc. and/or its related bodies corporate and affiliates.

Apple device 

A device such as an iPad, iPhone or an Apple Watch, manufactured by Apple, which Booster and Apple determine is eligible for the registration of Savvy cards to be used in Apple Pay.

Apple Pay 

The mobile payment and digital wallet service created by Apple that lets users make payments using certain Apple devices and credit cards or debit cards registered on those Apple devices.

ATM

An automatic teller machine.

available funds

The amount of funds available in your account for payment or transfer as a result of redeeming your units.

biometric ID

Identity verification using a person’s unique physical and other traits, such as voice or facial recognition or fingerprint log-on using a fingerprint identity sensor (including Touch ID).

blocked card

Where a physical card has been blocked from use in app by the user or by Booster. The card can be un-blocked in the Booster NZ app or by Booster staff.

Booster, us, we, our

Booster Investment Management Limited and/or Booster Financial Services Limited.

cancelled card

A cancelled card cancels both the physical and digital card. A replacement physical card must be ordered before the Savvy debit card functions can be used.

card

Your Booster Savvy Debit Mastercard.

card information

The card number, card expiration date, card holder’s name and/or card validation code which is embossed or printed on the card issued to you.

contactless terminal

An electronic funds device which can be used to make “contactless” transactions that do not require swiping or inserting a card.

contactless transaction

A transaction conducted by tapping your card, Apple device or supported device on a contactless terminal.

device

Any device you use to access mybooster, the Booster NZ app or any other service Booster provides.

digital card

Your digital Savvy debit card that you will load into Apple Pay on an Apple device or Google Wallet on a supported device for contactless, online and in-app transactions using Apple Pay or Google Pay.

digital card transaction

A transaction undertaken by you that uses either Apple Pay or Google Pay.

EFT

The transfer of funds processed when you use your card at an electronic funds device.

electronic funds device

Any point of sale terminal, contactless terminal, and Automatic Teller Machines (ATM) that accepts Mastercard or EFTPOS.

foreign currency transaction

A transaction made in a currency other than New Zealand dollars.

General Terms and Conditions

Booster’s general terms and conditions.

Google

Google Asia Pacific Pte. Ltd. and/or its related bodies corporate and affiliates.

Google Pay

The payment service using Google Wallet made available by Google that lets users make payments using certain supported devices and credit cards or debit cards registered on those supported devices.

Google Wallet

The digital wallet service called Google Wallet made available by Google that allows users to store wallet cards for use for Google Pay.

merchant

A retail merchant or other entity which requests authorisation and receipt of funds in return for goods or services.

mybooster

The Booster web application that allows you to manage your Savvy account.

physical card

Your physical Savvy debit card which you can use at electronic funds devices, ATMs and for online purchases.

PIN

A four digit personal identification number to prevent unauthorised access to and use of your card.

remote transaction

A transaction made using your card information only. These include, but are not limited to, transactions made by mail, telephone, email, or online.

security credentials

Any personal identification number, password, biometric ID or other measure used to ensure the security of your Apple device or supported device.

stack

A Savvy stack is an account which you can use to separate daily spend and savings.

stand in services transactions

Transactions authorised when an electronic funds device cannot connect to the card issuer for transaction authorisation.

supported device

Any equipment or device such as a mobile phone or wearable device (i.e. smartwatch) which Booster and Google determine is eligible for the registration of Savvy cards to be used in Google Wallet for Google Pay.

suspended card

When your PIN has been entered incorrectly 3 times the system will suspend your physical card. The suspension can only be removed by Booster staff.

terms and conditions

These terms and conditions as amended from time to time.

transaction

When you debit your account using your physical card or card information or your digital card.

units

Units in the Booster Savvy Fund managed investment scheme as provided by the Booster Savvy Fund Product Disclosure Statement.

you, your

The account holder.

By participating in the Booster Savvy (R & V) Referral Promotion (Promotion), you are deemed to have accepted and agreed to be bound by Booster’s Terms and Conditions and the following specific terms set out below.

• The Promotion is run by Booster Financial Services Limited (Booster) for the purpose of promoting the Booster Savvy Scheme.  
• The Promotion will run from 00:00hrs on 12 September 2024, until 23:59 hrs on 5 Dec 2024 (Promotion Period).
• There will be a number of Prize Draws during the Promotion Period on dates yet to be determined by Booster. Booster reserves the right to decide on the number of Prize Draws that will be held and the dates for each Prize Draw.
• You are eligible to enter this Promotion if:
  • You were an existing Booster Savvy member prior to the commencement date of the Promotion Period or
  • You opened a Booster Savvy account and deposited funds in that account during the Promotion Period.
  • You only have one Booster Savvy account
• Booster employees and their immediate family members, and any Adviser who is engaged by Booster under a Product Access Agreement during the Promotion Period are ineligible for entry into any Prize Draw.
• Any Savvy account determined by Booster to be involved in fraudulent activities will be ineligible for entry into any Prize Draw.
• To make a referral, a Booster Savvy member (hereinafter referred to as a Referee) must have an active Savvy account during the Promotion Period.  There is no requirement for a Referee’s Savvy account to have funds in the account at the time the Referee makes a referral.
• A person who was previously a Booster Savvy member (but prior to the Promotion Period closed their account) will only become eligible to enter the Promotion if they re-join Booster Savvy and 3 months has passed.
• A referral can only be made via the Booster NZ App.
• If a Referee sends a referral to another person who is already a Savvy member or who has already applied for a Savvy account that referral is null and void and cannot be used in any Promotion.
• Referees may refer as many candidates as they choose.
• A Referee will receive one entry into a Prize Draw for every referred candidate who successfully joins Booster Savvy.
• In addition to the Promotion being run for R&V Prize Draws, from 09:00hrs on 14 November  2024 until 23:59 hrs on 5  December 2024 (Incentive Period) where a Referee refers Savvy to another person who successfully joins Booster Savvy, the Referee will receive $20 funded into their Savvy account for every successful referral ($20 incentive). The $20 incentive is limited to the first 500 successful referrals across all Savvy members. Members who receive $20 incentives will be advised within 7 working days from a successful referral. Funding of any amount paid under the $20 incentive, may take up to 10 working days to process.  
  • A successful ‘join’ is defined as when a candidate is accepted as a Booster Savvy member and successfully funds their Savvy account.
• A referred candidate will also receive one entry into a Prize Draw if they successfully join Booster Savvy.
• Referrals are not valid where the referred candidate and the Referee are the same person.
• If a referred candidate receives multiple referral codes from different Referees, the Referee who sends the referral code which is first entered into the application screen by the referred candidate will receive one entry into the next available Prize Draw.
• If you win a Prize Draw, all entries held by you as at the date of that Prize Draw will become ineligible for any subsequent Prize Draws.  However, if you earn further entries after the closing date of any Prize Draw, but prior to the closing date of the next subsequent Prize Draw, those entries will be eligible for that next subsequent Prize Draw.
• If you do not win any Prize Draw, all entries you hold will be eligible for the next subsequent Prize Draw.
• If Booster cannot run any Prize Draw as planned, Booster may extend the Promotion period or postpone or cancel any Prize Draw or the Promotion.  If this occurs, a notice will be posted at www.boostersavvy.co.nz
• Winners of each Prize Draw will receive either a Rhythm & Vines 2024 ticket package comprising a number of general admission tickets to the 4 day festival event with camping passes, or an alternative prize yet to be determined.
• Winners and all beneficiaries of the festival tickets and camping passes are fully responsible to meet all travel costs associated with travelling to and from the Rhythm & Vines 2024 Festival located at 75 Waimata Valley Road, Gisborne, New Zealand and for all other accommodation and incidental costs.  
• Winners and all beneficiaries of any festival ticket and camping pass must satisfy the eligibility requirements of the Rhythm & Vines 2024 festival.  Booster takes no responsibility for the refusal of entry for any reason, into the Rhythm & Vines 2024 festival.
• Tickets are non-refundable, non-exchangeable and cannot be redeemed for cash.  Booster may substitute a prize or any portion of a prize with an alternative prize of equivalent value without notice.
• Booster will notify all winners via any of the following methods - email, phone or Direct Message via the Booster NZ App within 7 days of each draw.  If a winner cannot be contacted or does not claim a prize within 14 days of notification, Booster reserves the right to withdraw the prize from the winner and pick a replacement winner.
• Winners of each Prize Draw will be determined wholly by chance at Booster’s sole discretion. Booster’s decision in respect of all matters relating to any Prize Draw within the Promotion Period will be final and no correspondence will be entered into.
• By entering into this Promotion the entrant agrees to the use of his/her name and image in any publicity material. Any personal data relating to all entrants in the Promotion will be used solely in accordance with the Privacy Act 2020 and Booster’s Privacy Statement.  Booster reserves the right to electronically store and use free of charge images of winners (and any beneficiary of a prize) in any of its online and print publications including social media.  This Promotion is in no way sponsored, endorsed, administered by, or associated with, Facebook, Instagram or any other Social Network
• Except for any liability that cannot be excluded by law, Booster (including its officers, employees and agents), is not liable for any direct, indirect, special or consequential loss, damage or injury (including loss of opportunity and any personal injury, whether physical or mental) arising in any way out of the Promotion or acceptance or use of any prize.
• To the extent permitted by law, neither Booster nor its agents will be responsible for the quality of any prize once issued. Nothing in these terms and conditions is intended to exclude, restrict or modify a consumer's rights under the Consumer Guarantees Act 1993 or any other statutory rights that the winner may have in relation to a prize.

Apple, Apple Pay and Touch ID are trademarks of Apple Inc., registered in the United States and other countries. iPhone, iPad, iTunes and Apple Watch are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Google, Google Pay and Google Wallet are trademarks of Google LLC.

Mastercard and the Mastercard symbol are registered trademarks of Mastercard International Incorporated.

The Booster Savvy Scheme (‘Savvy’) is not a bank account and Booster is not a registered bank. Savvy is a managed fund and Booster Investment Management Limited is the manager and issuer of Savvy. Find Savvy’s Product Disclosure Statement, and other important information about Savvy (including a comparison document highlighting some of the differences between Savvy and a bank account) here.