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Payment Rules and Regulations

Last updated: May 07, 2025

This Payment Rules and Regulations document ("Rules") governs the use of the Clove Rewards platform (the "Service") for processing payments. These Rules are designed to ensure compliance with our policies, applicable laws, and card network requirements. By using the Service, you agree to abide by these Rules, which supplement our Terms and Conditions and Refund Policy and Payment Methods documents.

1. Purpose and Scope

Clove Rewards facilitates card-based payments for customers ("you" or "Customer") using credit or debit cards issued by Visa, Mastercard, American Express, or other supported providers. These Rules outline acceptable payment practices, prohibited transactions, and your obligations when using the Service.

2. Accepted Payment Methods

We exclusively process payments via credit or debit cards. No other payment methods, including cash, direct bank transfers, or cheques, are permitted. Transactions must be initiated using a valid card linked to your account, and all payments are processed in Australian dollars (AUD) unless otherwise indicated.

3. Transaction Eligibility

3.1 General Requirements

To process a payment through the Service:

  • You must provide accurate card details and ensure sufficient funds or credit are available.
  • The transaction must comply with these Rules, our Terms and Conditions, and all applicable laws.
  • Payments must be for legitimate, lawful purposes only.

3.2 Card Issuer Rewards

Clove Rewards does not offer loyalty points, cashback, or rewards. Any benefits associated with transactions are determined solely by your card issuer ("Card Issuer"), such as Visa, Mastercard, or American Express, based on their reward program terms. We have no involvement in or responsibility for such rewards.

4. Prohibited Transactions

We do not process payments that fall within the following categories ("Prohibited Transactions"). These restrictions align with card network rules, legal requirements, and our operational policies:

4.1 Restricted Industries and Activities

  • Debt Repayment: Payments to settle outstanding debts, such as credit card balances or loan repayments.
  • Bail Payments: Funds paid by a defendant for release from custody pending court appearances.
  • Debt Collection: Transactions involving agencies recovering overdue accounts or managing bankruptcy proceedings.
  • Vehicle Rentals: Payments to car rental services, whether branded or independent.
  • Accommodation Services: Transactions for hotels, motels, resorts, or other lodging, including branded and non-branded providers.
  • Leasing Services: Payments for renting vehicles or equipment for fixed terms.
  • Unregistered Charities: Donations to non-profit organizations not registered with a recognized authority.
  • Payment Aggregators: Transactions submitted on behalf of other merchants without direct acquirer relationships.
  • High-Interest Lending: Payments related to short-term, high-interest loans (e.g., payday loans).
  • Payroll: Direct payments to employees for wages or salaries (specific Card Issuer restrictions may apply, e.g., American Express).
  • Political Contributions: Funds supporting political parties, candidates, or campaigns.
  • Online Pharmacies: Card-not-present purchases of prescription drugs or related products.
  • Adult Services: Payments for sexual services or content in exchange for compensation.
  • Related Parties: Transactions involving entities with substantial ownership ties to you (e.g., subsidiaries or affiliates).
  • Cruise and Steamship Services: Payments for travel or onboard purchases related to cruise lines or steamships.
  • Digital Wallets: Transactions loading funds into stored-value digital facilities for later use.
  • Massage Parlors: Payments to unregistered massage service providers.
  • Cryptocurrency: Transactions involving digital currencies not issued or regulated by a government.
  • Money Transfers: Payments for in-person money transfer services between locations.
  • Door-to-Door Sales: Transactions with unsolicited vendors expecting immediate payment.
  • Currency Exchange: Payments to businesses or institutions exchanging one currency for another.
  • Gambling: Wagering money or valuables on uncertain outcomes for profit.
  • Derivatives Trading: Contracts to buy or sell assets at a future date between unrelated parties.
  • Insolvency Services: Payments to intermediaries managing insolvency proceedings.
  • Marijuana-Related Businesses: Transactions involving the manufacture, distribution, or sale of marijuana or its derivatives, even if licensed.
  • Pyramid Schemes: Payments tied to multi-level marketing systems requiring recruitment or bulk product purchases for compensation.

4.2 Other Prohibited Uses

  • Payments for illegal, fraudulent, or unethical purposes.
  • Transactions violating card network rules or Australian law.
  • Attempts to circumvent these Rules or the Service's security measures.

If you are unsure whether a payment falls within a prohibited category, contact us at [email protected] for clarification before proceeding.

5. Compliance and Review

All transactions are subject to review by Clove Rewards to ensure adherence to these Rules. We reserve the right to:

  • Decline any payment we deem prohibited or suspicious.
  • Request additional information to verify the legitimacy of a transaction.
  • Suspend or terminate your access to the Service if you breach these Rules.

6. Your Obligations

You agree to:

  • Use the Service only for lawful transactions permitted under these Rules.
  • Provide accurate and complete payment information.
  • Notify us immediately at [email protected] if you suspect unauthorized or prohibited use of your card or account.
  • Bear responsibility for any fees, penalties, or losses resulting from prohibited transactions you initiate.

7. Amendments to These Rules

We may update these Rules periodically to reflect changes in card network policies, legal requirements, or our operational needs. The latest version will be posted on our website with the updated "Last updated" date. Continued use of the Service after changes signifies your acceptance of the revised Rules.

8. Contact Us

For questions, clarifications, or assistance regarding these Rules, please reach out to:

Email: [email protected]

Company: Valinor Group Pty Ltd (ABN 44 680 884 824), trading as Clove Rewards