This website and mobile application are operated by Paytime Services Pty Ltd (ACN 647 450 137) (“Paytime”) under the domain names www.paytime.com.au, www.paytime.co, www.paytime.biz (“Paytime Websites”). By using, accessing, viewing or otherwise relying on the information, graphics and materials on the Paytime Websites (“Materials”) you agree to be subject to these Terms of Use and Paytime’s Privacy Policy.
In addition to the terms in these Terms of Use, there may also be specific terms governing your use of, and access to, certain sections of the Paytime Websites. Those specific terms also form part of these Terms of Use and you will be bound by them. You should review them wherever they are accessible by you on the Paytime 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.
When you follow a link on the Paytime Websites, Third Party Material may be displayed in your browser framed by Material on this website. The displayed material is also Third Party Material for the purpose of these Terms of Use.
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:
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.
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:
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. You therefore authorise Paytime Services Pty Ltd (ABN 78 647 450 137) to arrange, through Zepto, to debit your nominated account (as listed in your employer’s 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. You authorise and acknowledge by accepting the Paytime Terms and Conditions, and by creating an account with Paytime, you also accept the terms and conditions as contained in Zepto’s website and updated and amended from time to time, before using the Paytime app. The links to Zepto’s website and relevant web pages are listed as follows for your reference:
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.
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:
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.
Except where necessary for viewing the Material on the Paytime Websites on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on the Paytime Website may be reproduced, adapted, uploaded to a third party, linked to, framed, distributed, displayed or transmitted in any form by any process without the specific prior written consent of Paytime.
You must not use any trade mark displayed on the Paytime Websites in any way without Paytime’s express prior written consent.
Other than as detailed in these Terms of Use and Paytime’s Privacy Policy, Paytime does not collect any personal information about you when you use the Paytime Websites unless:
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.
Paytime’s collection and use of your personal information is described in the Paytime Privacy Policy. By accessing, viewing, or otherwise using any Paytime Website you agree to be subject to the Paytime Privacy Policy.
“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.
We and our service-providers also use cookies to customise our services, content and advertising; measure promotional effectiveness, and promote trust and safety. You may encounter cookies from third parties when using the Paytime Services on websites we do not control. For example, if you view a web page created by a third-party or use an application developed by a third party, there may be a cookie placed by that web page or application.
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.
You acknowledge and agree that your use of the Paytime Websites indicates your acceptance of these Terms of Use and the Privacy Policy as varied from time to time.
These are the current Terms of Use. They replace any other terms of use for the Paytime Websites published on the Paytime Websites to date. Paytime may at any time vary the Terms of Use by publishing the varied Terms of Use on the Paytime Websites. You accept that by such publication on the Paytime Websites, Paytime has provided you with sufficient notice of the variation. Your subsequent use of the Paytime Websites constitutes acceptance of the varied Terms of Use.
Paytime Services Pty Ltd ACN 647 450 137, 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, which amongst other things enables your employer to deduction a portion of your earned but unpaid wages, when you make a withdrawal request.
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.
Any information provided about the Paytime Platform is factual information only. It is important that you read the Paytime Terms of Use and our Privacy Policy (available from www.paytime.com.au/privacy-policy) in full before you register for an account and make a withdrawal request.
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.
Voluntary Use: Your use of the Paytime Services is entirely voluntary, and it does not imply any obligation or enforcement by your employer to download or utilize the Paytime Service.
Indemnity: By using the Paytime Services, you agree to hold Paytime, your employer, its officers, directors, employees, and related parties harmless from any and all claims that may arise in connection with your access to, use of, or inability to access or use the Paytime Services, as well as the information provided by Paytime.
Employer Non-Liability: You acknowledge and agree that your employer shall not be held liable for any decision or action taken by you or anyone related to you in connection with the utilization of the Paytime Services. Furthermore, your employer shall not be liable for any consequential damages that may arise from your use of the Paytime Services.
Optional: You understand that the Paytime Service is provided as an optional employee wellbeing solution. It should not be construed as an endorsement by your employer, its directors, or any associated entities.
No Responsibility: Neither Paytime nor your employer shall be deemed responsible or held liable for any misuse of the Paytime Services or for any personal liability that may arise from the frequency of your use of the Paytime Service.
By continuing to use the Paytime Services, you agree to be bound by these terms and conditions, and any violation of these terms may result in the termination of your access to the Paytime Services.
These Terms of Use are governed by the laws of New South Wales. All parties submit to the exclusive jurisdiction of the courts of New South Wales. Use of the Paytime Websites is unauthorised in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.
The provisions of these Terms of Use are severable, and if any provision of these Terms of Use is held to be invalid or unenforceable, that provision may be removed and the remaining provisions will be enforceable. Paytime may assign or novate these Terms of Use to a third party without your consent. In the event of an assignment or novation, all Users will remain bound by these Terms of Use.
Last Updated August 2023
