Terms and Conditions

Terms of Use

1. Introduction

This website is operated by or on behalf of EML Payments Limited and its related bodies corporate (together “EML” or “EML Group”).

2. Acceptance

By visiting or using this website (meaning the whole or any part of the web pages included within www.emlpayments.com) you agree with the website terms of use which apply to all parts of this website including its layout, individual design and code elements, as well as the any text, sounds, graphics, animated elements or any other contents.

3. Acceptable Use

You must only use this website for the purposes for which it was designed and offered and not for any other purpose. You must use this website in a responsible manner, taking into account the effects your use of this website may have on other users of this website and EML.

Examples of acceptable use would include browsing the various pages and contacting the site owner. Examples of inappropriate use would include planting malware, viruses or, using the site to attempt to spread spam or other unnecessary content.

4. User and Intellectual Property Rights

Copyright in the material on this website is owned or licensed by EML.

You are provided with access to it only for your personal and non-commercial use. Other than for these permitted purposes, and for the purposes of and subject to the conditions prescribed under statutes that apply in your location, you may not, in any form or by any means:

adapt, reproduce, store, distribute, transmit, print, display, perform, publish or create derivative works from any part of this website; or
commercialise any information, products or services obtained from any part of this website, without our written permission.

All rights in this website and the content on this website including copyright, design rights, patents, inventions, knowhow, database rights, trade marks, source codes and any other intellectual property rights in any of the foregoing are reserved to EML and/or their content and technology providers.You

All trade names, trade marks, service marks and other product and service names and logos (the “Marks”) displayed on the website are proprietary to their respective owners and are protected by applicable trade mark and copyright laws. These Marks may be registered or unregistered marks of EML or others.

Nothing contained on the website should be construed as granting any licence or right of use of any other person’s or entity’s trade mark which is displayed on this website without their express permission.

You may not remove, change or obscure the EML logo or any notices of proprietary rights on any content of this website.

All use, copying or reproduction of this website or any part of it is prohibited (except to the extent permitted by law). None of the content or any part of it may be reproduced on any other Internet website. If you seek to reproduce or otherwise use the content in anyway it is your responsibility to obtain approval for such use where necessary.

5. Disclaimer

The content on this website (including any publications) is intended only to provide a summary and general overview on matters of interest. It is not intended to be comprehensive nor does it constitute financial or legal advice. You should seek legal or other professional advice before acting or relying on any of the content.

EML is not responsible for ensuring that the provision of content on this website will always be free of errors, faults and viruses, nor that all the information provided will be up to date or correct. We do not accept liability for any errors or incorrect content displayed on this website, regardless of the nature of that information. However, we do attempt to ensure that all information present is updated as soon as is practicable.

6. Liability

Subject to any responsibilities implied by law and which cannot be excluded, no member of the EML Group will be liable to you for any losses, damages, liabilities, claims and expenses (including special, indirect, consequential loss, loss of profit or revenue, loss of goodwill, loss of data or business interruption) (“Loss”) whatsoever arising out of or referable to material on this website or to third party material, whether in contract, tort including negligence, statute or otherwise.

You agree to indemnify EML against all Loss incurred by EML arising directly or indirectly out of your use of this website or your breach of these website terms.

7. Links and Subscriptions

Your use of any link to a linked website is entirely at your own risk. This website may contain links to other websites solely for your convenience only and may not remain current or be maintained. EML does not endorse, recommend or approve of any information, products or services referred to on such linked sites and assumes no responsibility for the contents of any other website to which this website offers links.

EML publishes electronic addresses on this website to facilitate communication relating to our business functions. This is not to be inferred as consent by EML or the relevant addressees to receiving unsolicited commercial electronic messages or SPAM.

You may not link the homepage or any other parts of this website without prior written consent from EML. If you provide your personal details to us, you accept that they may be used to contact you. EML will not use these details to subscribe you any regular contact except where you have consented.

Unless stated otherwise on this website, EML has:

no relationship with the owners or operators of those linked website; and
no control over or rights in those linked website.

8. Personal Logins and Restricted Areas

EML reserves the right to implement areas which allow users to login in and access personal materials. By creating a login, you are responsible for the security of your login information. Any restricted areas must not be accessed without permission or authorisation. If your account is compromised as a result of failure to secure your login details, EML is not liable for any losses you sustain as a result.

9. Cookies and Privacy Policy

These website terms of use incorporate, and should be read together with, the EML Privacy Policy. EML will use only the personal data which you submit to us via the website in accordance with the EML Privacy Policy. The EML Privacy Policy also describes how this website may collect, store and use cookies.

EML will not disclose any private information provided by you through our website excepting where required by law. For more information on this please refer to our Privacy Policy.

10. Changes to Terms of Use

EML may change these website terms of use at any time, without notice. This will be effective immediately and any browsing after any variation will be considered acceptance of those terms.

11. General

These website terms are governed by the laws of the jurisdiction from which you access this website.

If any provision of these website terms becomes invalid, illegal or unenforceable in any respect under the law of any jurisdiction, the remainder of these terms will not be affected

EML reserves any rights not expressly granted in these terms of use.

Apple Pay Terms of Use

Mastercard Terms of Use

ACT Health Salary Packaging Mastercard

Entain Group (Bookmaker.com.au, Betstar, Ladbrokes and Neds prepaid Mastercard)

Spotto Cash prepaid Mastercard

Cherrypay prepaid Mastercard

NSW Health Salary Packaging Mastercard

Corporate Prepaid Cards prepaid Mastercard

3D-Secure: Frequently Asked Questions.

3D-Secure: Foire aux Questions.

3D-Secure: Preguntas Frecuentes