About This Website and Mobile Application
Links to Other Websites
The Paytime Websites may contain links to other websites operated by third parties (“Third Party Websites”). Any such links are provided for convenience only. Paytime does not endorse, approve of or recommend those Third Party Websites, and is not responsible for the information, graphics and material they contain (“Third Party Material”). This includes any medical diagnosis or treatment advice provided by these Third Party Websites. Please seek a doctor’s advice before making any medical decisions.
All offers to sell and statements relating to goods and services available on Third Party Websites are the responsibility of and given by the Third Party Website operator. In so far as such offers and statements are restated on the Paytime Websites, such offers and statements are made by Paytime on behalf of the Third Party Website operator. Paytime expressly disclaims acting in any other respect on behalf of Third Party Website operators. If you choose to engage or enter into an agreement with any Third Party Website operator, or any third party offering services through a Third Party Website, Paytime is not a party to such agreement, and the agreement will be directly between you and the relevant third party.
Subject to any rights at law which cannot be excluded, Paytime makes no warranties or representations:
- about the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Websites; or
- that Third Party Material does not infringe the intellectual property rights of any person.
By providing a link to Third Party Material, Paytime does not authorise the reproduction of such Third Party Material. If you download software from a Third Party Website, use of that software may be subject to a licence agreement between you and the Third Party Website operator. To the extent permitted by law, Paytime accepts no responsibility or liability for that software.
Paytime may receive payments from operators of Third Party Websites in relation to goods or services supplied by the operator as a result of you accessing the Third Party Website from the Paytime Websites.
Product Information and Supply
Paytime has entered into an Agreement with your employer to offer the Paytime Services to you as the employee.
Material on the Paytime Websites may contain general information about Paytime or related party products and services. Unless expressly stated otherwise, this information:
- does not constitute an offer or inducement to enter into a legally binding contract;
- does not form part of the terms and conditions for Paytime or related party products and services; and
- is not intended to be financial advice and does not take into account any user’s objectives, financial situation or needs.
All information is subject to change without notice. Paytime recommends that you seek independent advice before acting upon Material on any Paytime Website or Third Party Material. For further information about a particular product or service please contact Paytime on 1300 80 49 60.
Unless expressly agreed otherwise, products and services referred to on the Paytime Websites will be provided only to Australian residents. These products and services are generally not available to non-Australian residents because they may not comply with non-Australian laws.
By creating a Paytime account, you agree that a second bank account may be added into your employer’s payroll software that corresponds to the bank account to which all repayments of earned wage withdrawals accessed during a pay period and associated fees are transferred to, directly by your employer on payday.
By creating a Paytime account, you agree to give Paytime and your Employer the right to deduct from your pay all amounts relating to any Paytime withdrawals accessed during a pay period and any associated fees and charges
When calculating the available balance that you can withdraw from the Paytime Account, the Paytime application extracts relevant data from your employer’s software systems (including, but not limited to payroll, time-and-attendance, rostering, HCM systems) and by utilising mathematical calculations projects your earned wages. Depending on what information is available from your employer’s software systems and the frequency of updates, Paytime may use estimation methods that are agreed to by your employer to predict your earned wages available to you. Therefore, the total amount you earn may differ from what is reflected on your final payslip.
In the unlikely event that you withdraw funds in excess of what you have actually earned and owed to you by your employer, or that the appropriate Paytime deductions and/or repayments have not been applied to your historical payslips such that the total Paytime deduction and/or repayment amount does not equal all the Paytime withdrawal amounts including any applicable fees, you agree to give Paytime the right to deduct all excess amounts back from you (at no charge to you), via a Direct Debit Order from the bank account that corresponds to the bank account to which your usual salary/wages get paid into on a weekly/fortnightly/monthly or other basis, as provided in your employer’s payroll software. You therefore authorise Paytime Services Pty Ltd (ABN 78 647 450 137) to arrange, through its own financial institution, to debit your nominated account (as listed in your employers payroll software) the amounts Paytime Services Pty Ltd, has deemed re-payable by you. This debit will be made through the Bulk Electronic Clearing System (BECS) from your bank account and will be subject to the terms and conditions of the Paytime Services Pty Ltd Direct Debit Request Service Agreement, which is available on request. You authorise and acknowledge by accepting the Paytime Terms and Conditions, and by creating an account with Paytime, you provide a valid instruction in respect to this Direct Debit Request and have understood and agreed to the terms and conditions governing the debit arrangements between you and Paytime Services Pty Ltd as set out above and in the Paytime Direct Debit Request Service Agreement, which is available on request.
Registration and security
In order to use the Paytime Websites, Paytime may require you to create a Paytime Website account (your “Paytime Account”). Any such account is for your sole personal use, and you may not authorise others to use your account or otherwise transfer your account to any other person or entity without Paytime’s prior approval. All account information you submit must be truthful, and you may not use any alias or other means to mask your true identity. By creating a Paytime Account, you warrant to Paytime that you are at least 16 years old.
Protecting your money
You are responsible for the security of your username and password for your Paytime Account, and will be solely liable for any use (including unauthorised use) of your Paytime Account under such username and password. You are solely responsible for the security of any mobile or other device through which you access your Paytime Account, and will be solely liable for any use (including unauthorised use) of your Paytime Account through any device through which you have previously accessed your Paytime Account.
You acknowledge and agree that neither Paytime nor any of its related companies, officeholders and employees (together, the “Paytime Group”) is liable in any way whatsoever (including in negligence) for any direct, indirect, consequential or other loss or damage which may arise out of, or in connection with, the access to your Paytime Account by a third party (whether authorised or unauthorised) using your password or any device through which you have previously accessed your Paytime Account. You agree to fully indemnify Paytime, together with each other member of the Paytime Group, from any loss or damage you suffer in connection with any third party access to your Paytime Account using your password or any device through which you previously accessed your Paytime Account.
Nothing in these terms restricts, excludes or modifies any consumer rights under any statute including the Competition and Consumer Act 2010 (Cth). If any law imposes a consumer guarantee in relation to any service provided by any Paytime Website which cannot lawfully be excluded then, to the maximum extent permitted by law, our liability for any breach of such consumer guarantee will be limited to the supply of the relevant service again or the payment of the cost of having that service re-supplied.
Other than as set out in the previous paragraph, Paytime and the other members of the Paytime Group are not liable (including in negligence) for any direct, indirect, consequential or other loss or damage which may arise out of, or in connection with:
- your use of the Paytime Websites;
- your use of, or reliance on, any information, Material, Third Party Material, or Third Party Website contained in or linked from any Paytime Website.
While Paytime has made every effort to ensure that all information contained on the Paytime Websites is free from error, Paytime does not warrant the accuracy, adequacy, suitability or completeness of any information or Material on the Paytime Websites. Use of the Paytime Websites (including any Material, information or feature contained on the Paytime Websites) is at your own risk. Paytime does not guarantee that the Paytime Websites or Third Party Websites will be free from viruses, that the Paytime Websites will be available, or that access to the Paytime Websites or Third Party Websites will be uninterrupted. You are responsible for taking appropriate precautions for the protection of your computer system and data.
Your use of and access to the Paytime Websites may be terminated at any time by Paytime without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by Paytime will survive termination.
Unless otherwise stated, the information on the Paytime Websites is provided in compliance with Australian law and is only intended for persons within Australia. The Paytime Websites may not comply with the laws of countries other than Australia and is not directed at, and should not be relied upon by, persons in any other country.
Unless otherwise stated, copyright in the Material on the Paytime Websites is owned by or licensed to Paytime.
You must not use any trade mark displayed on the Paytime Websites in any way without Paytime’s express prior written consent.
Privacy and the Use of the Website
- you provide it to us by completing an online application or online form or supplying us with your email address; or
- you log on and use one or more of the services available on the Paytime Websites.
Paytime may also use third parties to collect statistical information to measure the effectiveness of our online advertising.
If you use a link from the Paytime Websites to a Third Party Website, the Third Party Website operator is responsible for the security and privacy of your information when you are viewing that website.
Our Use of “Cookies”
“Cookies” are small files of data that reside on your computer and allow us to recognise you as a Paytime customer if you return to the Paytime site using the same computer and browser or otherwise use the Paytime Services. We send a “session cookie” to your computer if and when you log in to your Paytime Account by entering your email address and password or any other authentication required. We use these cookies to recognise you if you visit multiple pages in our site during the same session, so that you don’t need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.
We also use longer-lasting cookies to display your email address on our sign-in form so you don’t have to retype the email address each time you log in to your Paytime Account or otherwise use the Paytime Services. Our cookie files are encoded so that your email address and other information can only be interpreted by Paytime. We may, however, share cookie information with certain merchants with whom we have an official co-marketing relationship regarding whether a user identified by the merchant is already registered with Paytime.
Linking to the Paytime Websites
Please contact Paytime’s Marketing Department if you would like to place a link to any part of our website. You must not link to the Paytime Websites without our express permission.
Paytime Holdings Pty Ltd ACN 643 703 870, and its associated entities (Paytime, we or us) provides a technology solution that enables you to access your earned but unpaid wages on demand (Paytime Platform). To be eligible for the Paytime Platform, your employer must have an arrangement in place with Paytime. The Paytime Platform is not a financial product and we are not required to, and do not, hold an Australian Financial Services Licence.
Eligible employees may request their earned but unpaid wages any time by making a withdrawal request. Any withdrawal request approved and paid to you via the Paytime Platform is not an advance, loan or any other form of credit made or given by us or your employer, as it is just a payment of your wages in advance of your normal payday. You do not need to repay any withdrawal request. Any withdrawal request paid to you is not consumer credit and is not regulated under the National Consumer Credit Protection Act 2009 (Cth). We are not required to, and do not, hold an Australian Credit Licence.
The Paytime Websites may contain links to other websites operated by third parties. Any such links are provided for convenience only. Paytime does not endorse, approve of or recommend those Third Party Websites, and is not responsible for the information, graphics and material they contain. This includes any medical diagnosis or treatment advice provided by these Third Parties. Please seek a doctor’s advice before making any medical decisions.