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Ultimate Credit Card

Earn up to 100k CommBank Yello points and up to $600 in travel credits

Spend $9,000 in the first 90 days and earn 50,000 CommBank Yello points and receive $300 in travel credits. Stay with us to unlock another 50,000 CommBank Yello points after 12 months and get up to $300 in travel credits each year.

To receive bonus points you must be a CommBank Yello customer. Eligibility criteria, exclusions, offer and CommBank Yello T&Cs apply.*

See full offer details below

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Key features

Ultimate credit card key features

Earn unlimited points with your Ultimate credit card and enjoy benefits valued at up to $1,200 per year while your card is open and active.# Exclusions apply to the travel and dining credit.1,5

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Travel benefits

Up to $300 travel credit each year (earned as $25 per month) to use on Travel Booking, provided by Hopper. Exclusions, terms and conditions apply.5
Earn up to 21.5 points per $1 through Travel Booking, until 30 September 2027, based on your CommBank Yello tier.* Plus, redeem points for all or part of your booking.**
0% international transaction fees on purchases made overseas or online.6
Included international travel insurance when you spend at least $500 in a single transaction on prepaid travel using your card and activate before you travel.7
2 airport lounge passes per year to over 1,300 lounges with Mastercard Travel Pass provided by DragonPass.8

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Lifestyle benefits

Up to $120 dining credit each year (earned as $10 per month) to use on Dine in Deals provided by EatClub to enjoy on your next meal out. Exclusions, terms and conditions apply.1
Earn up to 6.5 points per $1 through Dine in Deals based on your CommBank Yello tier.◊
Complimentary DashPass membership with DoorDash, valued at $120 annually, with exclusive member benefits including $0 delivery fees, reduced service fees and member-only offers on eligible orders.2
$10 monthly DoorDash credit for an order where the subtotal is over $50.3
Included cracked screen cover for eligible phones up to $1,000 helping take the sting out of unexpected repair costs.4

CommBank Yello

Earn up to 21.5 CommBank Yello points per $1, based on your CommBank Yello tier

Earn unlimited points with your Ultimate credit card if you’re eligible for CommBank Yello including holding an eligible transaction account.9 You’ll also have more opportunities to earn points across more of your banking moments. Click here to learn more about CommBank Yello.

Yello

Yello Plus

Gold

Diamond

Purchase type

Points per $1

Hotel and Car rental bookings made through Travel Booking, via the CommBank app†

20.5

20.75

21.5

Flight bookings made through Travel Booking, via the CommBank app†

10.5

10.75

11.5

Dining out using Dine In Deals via the CommBank app◊

1.5

2.75

6.5

International transactions made in store and online9

All other eligible transactions9

0.5

0.75

1.5

For example, if you’re a CommBank Yello Diamond customer and make a $600 hotel booking through Travel Booking, you will earn 21.5 points per $1. That’s a total of 12,900 points!

Plus, there is no cap to the number of points you can earn, so your points earning potential is unlimited.9

Qantas Frequent Flyer opt-in is available for Ultimate cardholders through the CBA Yello Hub in the CommBank App or NetBank by clicking on 'ways to redeem' from 1 October 2026. You can find out more here CommBank Yello changes

Ways to be rewarded

From 1 October, you can earn, redeem or transfer points, access offers and enjoy perks with CommBank Yello. You’ll also have access to the brands you already know and love. Visit CBA Yello in the CommBank app.

Earn
Redeem
Earn & Redeem
Perks & discounts ‹ ›

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Coming soon

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Coming soon

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Coming soon

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Earn up to 20 points per $1 spent.
T&Cs apply

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Earn up to 5 points per $1 spent.
T&Cs apply.

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Coming soon

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Coming soon

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Earn up to 20 points per $1 spent.
T&Cs apply

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Earn up to 5 points per $1 spent.
T&Cs apply

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Save up to 9c per litre on fuel at BP.
T&Cs apply

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Rates & fees

Other fees may apply so check our standard fees and charges and read the key facts about our credit cards.

These are the rates and fees for the Ultimate credit card from 29 September 2026.

Type

Rates & fees

Conditions

Monthly Fee

$35 - $0 per month^

The monthly fee waiver if you spend at least $4,000 in a statement period will be removed from 1 January 2027.^

Minimum Credit Limit

$6,000

International Transaction Fee

No international transaction fees on purchases or cash advances made overseas or online.

For international cash advances, the cash advance fee will apply.

Interest-free Period on Purchases

Up to 44 days

Late Payment Fee

$20

Applies if the minimum payment due, plus any overdue amount, is not received by the statement due date.

Additional Cardholder Fee

Free

Pay no additional cardholder fee to share the convenience of your card with someone else.

Purchase Rate

20.99% p.a.

Cash Advance Rate

21.99% p.a.

Cash advances may be unavailable or subject to a limit restriction.

Cash Advance Fee

$4.00 or 3.00% of the transaction amount – whichever is greater.10

A maximum charge of $300 or a flat fee of $4.00 applies if your closing balance on previous business day was in credit. This is charged for cash advances from CommBank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers.10

Earn up to 100,000 CommBank Yello points and up to $600 in travel credits from Travel Booking

Spend $9,000 on eligible spend in the first 90 days after activating your card and get $300 in travel credits, plus 50k CommBank Yello points when you become CommBank Yello eligible.
Unlock another 50k CommBank Yello points if you are CommBank Yello eligible on your 12-month anniversary.
Get up to $300 annually in monthly travel credits.

CommBank Yello eligibility criteria and an eligible transaction account are required until points are paid (typically within 31 days). Exclusions, offer and CommBank Yello T&Cs apply. Travel credits are available where a card fee is charged or waived by meeting the minimum spend requirement.*

See Offer FAQs below

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Offer FAQs

How do I earn up to 100,000 CommBank Yello points and $600 in travel credits?

You can earn up to 100,000 CommBank Yello points and $600 in travel credits once the eligibility criteria below are met:

To earn 50,000 CommBank Yello points: Spend at least $9,000 on eligible spend within 90 days of activating your new Ultimate credit card and become eligible for CommBank Yello, including holding and eligible transaction account, within that 90-day period. You must remain CommBank Yello eligible until the points are paid, which is usually within 31 days of meeting the eligibility requirements.
Earn $300 in travel credits: Meet the same $9,000 eligible spend requirement and access the Travel Booking platform through the CommBank app or NetBank within 90 days after your spend period ends. You do not need to be eligible for CommBank Yello to receive these travel credits.
To earn an additional 50,000 CommBank Yello points: Receive the initial 50,000 points, keep your account open for more than 12 months from card activation, and remain CommBank Yello eligible at the 12-month anniversary of your card activation and until the additional points are paid.
$300 in travel credits annually: You may receive a $25 travel credit each month while you continue to meet the eligibility requirements for the Ultimate card’s monthly travel credit benefit.

More information on how CommBank Yello eligibility can be found here: https://www.commbank.com.au/commbank-yello/faqs.html

When will I receive my travel credits?

To receive $300 in travel credits, you must log in to the CommBank app or NetBank and access the Travel Booking platform within 90 days after your spend period ends. If your travel credits are not visible, you may need to access the platform again after they have been credited. CommBank Yello eligibility is not a requirement to receive the travel credits.

What happens if I don't meet the eligibility criteria or close my card?

You won't be eligible for any uncredited CommBank Yello points or travel credits if your credit card account is closed, switched to another card type or is in default, or if you don't meet the eligibility requirements for the CommBank Yello points or the travel credits.

Why can't I see my travel credits in my Travel Booking profile?

Your travel credits may not appear yet if:

You haven't met the eligible spend requirement;
You haven't accessed the Travel Booking platform within the required timeframe; or
Your travel credits are still being processed.

Once you meet the eligibility criteria, it can take up to 90 days for your travel credits to appear in your Travel Booking account.

Am I eligible for this offer?

This offer is only available for new Ultimate credit card applications. You are not eligible if you currently hold, or have held, any activated Awards card types (standard, gold, platinum, diamond, smart or ultimate) or Smart and Ultimate cards in the previous 24 months as a primary cardholder, or if you switch from another card type to an Ultimate credit card. The offer is limited to one credit card per customer.

To receive CommBank Yello points, you must also meet the applicable CommBank Yello eligibility requirements.

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Things you should know

* Offer commences 29 September 2026 and is available only for new Ultimate credit card applications. The offer is not available to customers who currently hold, or have held, any activated Awards card types (standard, gold, platinum, diamond, smart, ultimate) or Smart and Ultimate cards in the previous 24 months as a primary cardholder, or to customers who switch from another card type to an Ultimate credit card.

Acquisition Offer

To be eligible to receive up to 100,000 CommBank Yello points with a new Ultimate credit card, you must spend at least $9,000 on eligible spend within 90 days from the date your card is activated and keep your account open for more than 12 months from the date of card activation. You must also be eligible for CommBank Yello and remain eligible until the points are paid. To receive the $300 in Travel Credits you are only required to meet the $9,000 spend eligibility requirement. Up to $300 in travel credits may also be credited in equal payments of $25 for each month if you continue to meet the eligibility requirements for the Ultimate card’s monthly travel credits benefit.

Cash advances and refunds are not eligible spend. Spend is assessed using the original transaction date. Refunds processed during the spend period do not count towards the minimum spend requirement and will increase the required spend by the refund amount.

Offer is only available on one credit card per customer.

CommBank Yello points

To receive the initial 50,000 CommBank Yello points, you must meet the eligible spend criteria and become eligible for CommBank Yello within 90 days of activating your card. You must also remain eligible for CommBank Yello until the CommBank Yello points are paid (which is usually within 31 days from the date on which full eligibility requirements are met), and you must also be CommBank Yello eligible on the 12-month anniversary date of card activation. If you become eligible for CommBank Yello within this period, the CommBank Yello points will be paid to your CommBank Yello points balance. You will also need to be eligible for CommBank Yello when you choose to redeem your points.

To receive the additional 50,000 CommBank Yello points, you must have received the initial 50,000 CommBank Yello points, keep your account open for more than 12 months from the date your card is activated, and be eligible for CommBank Yello both at the 12-month anniversary of your card activation and at the time the additional CommBank Yello Points are paid (which is usually within 31 days from meeting the eligibility requirements).

CommBank Yello points are typically paid within 31 days of meeting the relevant offer eligibility criteria. Occasionally, this may take longer. CommBank Yello points will appear as “Credit Card Sign-Up offer” in your CommBank Yello points activity. More information on CommBank Yello eligibility can be found here: https://www.commbank.com.au/commbank-yello/faqs.html

Travel Credits:

To receive travel credits, you must log in to the CommBank app or NetBank and access the Travel Booking platform within 90 days after your spend period ends. If your travel credits are not visible, you may need to access the platform again after they have been credited. CommBank Yello eligibility is not a requirement to receive the travel credits.

Travel credits will be credited to your Travel Booking account within 90 days after you meet the relevant eligibility criteria for each credit. Once credited, travel credits are subject to the Travel Booking terms and conditions. For more information about earning or redeeming travel credits via Travel Booking, including full terms and conditions, visit Travel Booking Terms and Conditions

Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers.

All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.

Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.

Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.

CommBank will receive a portion of the revenue generated from the Travel Booking platform.

You will not be eligible for any uncredited CommBank Yello points or travel credits if your Credit Card account is closed, switched to another card or in default.

Monthly Travel Credits:

While you have an open and active Ultimate credit card, monthly Travel Credits will be applied to your Travel Booking Wallet within 7 business days of the grant or issuance, but in some cases may take longer, and have a 1-year expiry from the date granted, issued, and/or credited. These travel credits are not transferable or exchangeable for cash. Expiry dates can be viewed in your Wallet & Offers page of the Travel Booking website.

Monthly Travel credits are only issued for a card account statement period where the applicable card fee has been charged for that statement period. Where the fee is waived or not charged, no travel credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Ultimate: $4,000 per statement period). Travel Credit benefit is subject to change, and removal without notice and at our discretion.

When redeeming these monthly travel credits, the entire value of your Travel Booking Wallet will be applied to pay for all or a portion of the booking amount in a single transaction. If the booking amount is less than the total value of your travel credits, the remaining balance of travel credits will remain in your Travel Booking Wallet for future use.

In the event that you no longer hold an open and active Eligible CommBank Card, you will forfeit all accumulated monthly travel credits.

For full terms and conditions including the features provided by Hopper, and for any capitalised terms used here related to Travel Booking, visit travelbooking.hopper.com/terms.

All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.

Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.

Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.

CommBank will receive a portion of the revenue generated from the Travel Booking platform.

General:

CommBank may vary or withdraw this Offer acting fairly and reasonably; having regard to its legitimate business interests; and providing reasonable prior notice for unfavourable or material changes.

There may be tax implications of receiving CommBank Yello points under this Offer. Please check our FAQs available at commbank.com.au/commbank-yello/faqs for further information or seek independent advice from your accountant or tax adviser.

We will make every effort to provide accurate information on the CommBank Yello website and in other communications about the Program, and to operate our systems and processes consistently with these Offer terms and conditions. However, sometimes errors do occur (for example, due to limitations in our systems and processes). Where that happens, without limiting any rights you may have relating to the error, we may, as appropriate, at a later time but as soon as practicable after the error has been identified, make adjustments to put you in the same or similar position had the error not occurred. To the extent permitted by law, we are not responsible for any inaccuracies or misdescriptions except to the extent caused by our negligence, fraud or wilful misconduct.

These Offer terms and conditions apply in addition to the CommBank Yello Terms and Conditions. If there is any inconsistency, the CommBank Yello Terms and Conditions prevail in relation to Program eligibility and Program rules, and these Offer terms prevail in relation to this Offer. For further information on Program eligibility, refer to the CommBank Yello Terms and Conditions.

^ For a limited time, for Ultimate credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $35. Spend includes all purchases and cash advances made using your Ultimate credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). From your first statement issued on or after 1 January 2027, the monthly fee waiver based on spend will be removed and the $35 monthly fee will apply.

# Value is calculated by adding together the annual approximate retail value of travel, dining and DoorDash credits, airport lounge passes, DashPass membership, travel insurance. Actual retail pricing may vary over time. Terms and conditions and exclusions apply.1,5

1 While you have an open and active Ultimate credit card, dining credits will be automatically credited to your Dine In Deals account. Please allow up to 7 business days for a dining credit to appear in your account. In some circumstances, it may take longer.

Dining credits are not transferable or exchangeable for cash. Unused dining credits will accumulate in your Dine In Deals account and expire 12 months after the date they are credited to your account.

You will receive a dining credit only where the applicable credit card fee has been charged for the relevant period. However, you will still receive the dining credit if the fee is waived because you meet the minimum spend requirement (for the Ultimate credit card: $4,000 per statement period). You will not receive a dining credit if the fee is waived or not charged for any other reason.

The Dine In Deals offer is subject to change and removal at our discretion, acting reasonably and, where practicable, with prior notice to you.

Where a dining credit is redeemed through Dine In Deals, the amount payable will be calculated in the following order: Any applicable Dine In Deals discount will be applied to the eligible transaction amount; any applicable promo code will then be applied to the discounted amount; and any available dining credit will be applied last. The final amount payable is calculated as: eligible transaction amount - Dine In Deals discount - promo code value - dining credit value. Where a customer has both a promo code and a dining credit available, the promo code will be applied before the dining credit. Example: For an eligible transaction of $100 with a 25% Dine In Deals discount, a $10 promo code and a $10 dining credit: the 25% Dine In Deals discount reduces the transaction amount from $100 to $75; the $10 promo code reduces the amount payable from $75 to $65; and the $10 dining credit reduces the amount payable from $65 to $55. Accordingly, the final amount payable will be $55, plus any applicable service fee. In the event that you no longer hold an open and active Ultimate or Smart credit card, any unused dining credits will be forfeited.

EatClub and CommBank reserve the right to revoke access to offers, reverse discounts, or cancel bookings where misuse and fraudulent activity is reasonably suspected.

Dine In Deals is a platform and service provided by EatClub Pty Ltd ABN 67 610 093 297, accessible to customers of CommBank via the CommBank app. Dine In Deals offers dining deals at participating restaurants and venues. EatClub is not part of the CBA Group. CommBank does not endorse any participating venue, or the services offered through the Dine In Deals platform, and is not responsible for, nor does it warrant or guarantee, the accuracy or completeness of the platform content or the performance of EatClub or its services. For full terms and conditions governing the use of Dine In Deals, visit eatclub.com.au/terms/dineindeals.

2 DashPass Benefits: Benefits of DashPass from DoorDash include $0 delivery fees and reduced service fees on orders from DashPass eligible restaurants that meet the minimum order value requirement (“DashPass Benefits”). Provided the customer uses the eligible CommBank Ultimate, Smart, Diamond or Platinum Credit Card as payment method and maintains this card as a saved payment method in their DoorDash wallet Additional fees on orders may apply. For complete DoorDash Terms and Conditions click here. DashPass orders may be subject to delivery driver and geographic availability.

DashPass is provided by DoorDash Technologies Pty Ltd ABN 96 634 446 030. DoorDash is not part of the CommBank Group and CommBank is not responsible for the content, services or performance of DashPass. Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. CommBank is solely responsible for the eligible CommBank credit card and its applicable terms and conditions, and DoorDash is not part of the CommBank Group and is not responsible for the content, services or performance of any CommBank product, including any eligible CommBank credit card. Each of DoorDash and CommBank is responsible only for the products and services it supplies.

3 The Monthly Credit applies to subtotal only and does not apply to fees, taxes, or gratuity. If the full value of a Monthly Credit is not used on a single order, any remaining value will be forfeited. The Monthly Credit must be used during the calendar month in which it is issued or it will expire. An eligible CommBank Ultimate credit card must be used as the payment method. Eligible merchants, items, and order types may be limited. The Monthly Credit may not be combined with other DoorDash promotional discounts, coupons, or offer codes unless DoorDash expressly states otherwise. For orders containing alcohol, any discount is subject to restrictions imposed by applicable law or other restrictions imposed by DoorDash.

4 Cracked Screen Cover reimburses eligible mobile phone screen repair costs only and does not provide cover for damage to any other part of the device. Cover begins when your eligible card account is opened and applies to eligible mobile phones for up to 3 years from the date of purchase. To be eligible, the phone must have been purchased using an eligible CommBank card or be part of a phone plan paid for using an eligible CommBank card. Limits apply: Ultimate – 1 claim per year up to $1,000 with a 10% excess. Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). See the Card Insurances Combined Product Disclosure Statement & Financial Service Guide and Card Travel Insurance TMD for details.

5 While you have an open and active Ultimate credit card, Travel Credits will be applied to your Travel Booking Wallet within 7 business days of the grant or issuance, but in some cases may take longer, and have a 1-year expiry from the date granted, issued, and/or credited. These travel credits are not transferable or exchangeable for cash. Expiry dates can be viewed in your Wallet & Offers page of the Travel Booking website.

Travel credits are only issued for a card account statement period where the applicable card fee has been charged for that statement period. Where the fee is waived or not charged, no travel credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Ultimate: $4,000 per statement period). Travel Credit benefit is subject to change, and removal without notice and at our discretion.

When redeeming these travel credits, the entire value of your Travel Booking Wallet will be applied to pay for all or a portion of the booking amount in a single transaction. If the booking amount is less than the total value of your travel credits, the remaining balance of travel credits will remain in your Travel Booking Wallet for future use.

In the event that you no longer hold an open and active Eligible CommBank Card, you will forfeit all accumulated travel credits.

For full terms and conditions including the features provided by Hopper, and for any capitalised terms used here related to Travel Booking, visit Travel Booking Terms and Conditions.

All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.

Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.

Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.

CommBank will receive a portion of the revenue generated from the Travel Booking platform.

6 For international cash advances, the cash advance fee will apply.

7 Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You may need to upgrade your travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Card Insurances Combined Product Disclosure Statement & Financial Service Guide and Card Travel Insurance TMD for details. Commonwealth Bank and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Commonwealth Bank or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Commonwealth Bank) receive a commission which is a percentage of your premium.

8 To gain access to participating airport lounges, you must register your Ultimate credit card on the Mastercard Travel Pass app or visit mastercardtravelpass.dragonpass.com, to generate a membership QR code and present this along with your boarding pass for validation. You will have two complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs at Mastercard Travel Pass.

9 How you earn and redeem CommBank Yello points will be subject to the CommBank Yello Program Terms & Conditions including holding an eligible transaction account. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards, Business Gold Awards and Business Platinum credit card).

† From 1 October 2026 to 30 September 2027, CommBank Yello customers could earn 20 CommBank Yello points per $1 spent on Hotel or Car bookings and 10 CommBank Yello points per $1 spent on Flight bookings through Travel Booking. These promotional earn rates apply instead of the standard earn rates during this period. We may vary or withdraw this offer, acting fairly and reasonably. See Travel Booking Terms and Conditions for other conditions.

◊ Offer starts 1 October 2026 and ends 30 June 2028. Your CommBank Yello points earn rate is based on your CommBank Yello tier at the time you redeem a venue offer at a participating venue via Dine In Deals. Points earned per $1 spent on the amount paid after any discount, promo code or dining credit has been redeemed. For example, if your bill is $100 and you receive a 25% discount, you will earn CommBank Yello points on the $75 paid at the point of sale (plus the applicable service fee). CommBank Yello earn rates are as follows:

CommBank Yello: 1 CommBank Yello point per $1 spent via Dine In Deals
CommBank Yello Plus: 2 CommBank Yello points per $1 spent via Dine In Deals
CommBank Yello Gold: 3 CommBank Yello points per $1 spent via Dine In Deals
CommBank Yello Diamond: 5 CommBank Yello points per $1 spent via Dine In Deals

Points will be paid within 31 days of your Dine In Deals transaction. Occasionally it may take longer.

CommBank may vary or withdraw the Dine In Deals offer acting fairly and reasonably; having regard to its legitimate business interests; and providing reasonable prior notice for unfavourable or material changes.

You should consider the potential tax implications of receiving CommBank Yello points under this offer. You can view the FAQs on our website by searching ‘CommBank Yello – Frequently Asked Questions’ for further information or seek independent advice from your accountant or tax adviser.

In order to redeem CommBank Yello points, you must use your digital Dine In Deals card via your mobile wallet. How you earn and redeem points is subject to the CommBank Yello Terms and Conditions available at our website by searching ‘CommBank Yello’.

EatClub is not part of the CBA Group. CommBank does not endorse any participating venue, or the services offered through the Dine In Deals platform, and is not responsible for, nor does it warrant or guarantee, the accuracy or completeness of the platform content or the performance of EatClub or its services.

Offers are subject to reasonable personal use only. EatClub and CommBank reserve the right to revoke access to offers, reverse discounts, or cancel bookings where misuse and fraudulent activity is reasonably suspected.

For full terms and conditions governing the use of Dine In Deals, visit eatclub.com.au/terms/dineindeals.

CommBank will receive a program fee generated from applicable transactions processed via the Dine In Deals platform.

10 A maximum charge of $300 or a flat fee of $4.00 applies if your closing balance on previous business day was in credit. For cash advances made via NetBank transfers, CommBank App transfers, or ATMs, the fee will be $0 if your closing balance was in credit the previous business day.

Ongoing eligibility conditions apply for CommBank Yello. Eligibility is typically assessed at the beginning of each calendar month based on your activity in the previous calendar month. The exact date we complete the assessment and update your eligibility may vary. Offer eligibility conditions also apply and offers may vary between customers. For more information visit commbank.com.au/commbankyello

There may be tax implications associated with participating in CommBank Yello (such as earning Points, redeeming Rewards, receiving Benefits, or winning prizes). For some information on potential tax implications, please check out our FAQs available at commbank.com.au/commbank-yello/faqs or seek independent advice from your accountant or tax adviser.

To opt out of CommBank Yello and stop receiving Benefits, go to the CommBank Yello Hub in the CommBank app, or visit your local branch. You may continue to receive messages about CommBank Yello generally. Opting out doesn't opt you out of marketing communications or CommBank Yello for Business. Information is handled in accordance with our Group Privacy Statement, the CommBank Yello Program terms and conditions, and the CommBank Yello Privacy Collection Notice.

**CommBank Yello customers can choose to redeem all or part of their CommBank Yello points for their booking, and with other accepted payment methods under the Travel Booking Terms and Conditions (such as Travel Credits).

You must redeem at least $1 worth of points per booking.

How you redeem points is subject to the CommBank Yello Terms and Conditions and Travel Booking Terms and Conditions.

##Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other terms and conditions apply.

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply. Please view our Credit Card Conditions of Use.

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Dine In Deals Terms

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Dine In Deals

Provided by EatClub

Dine In Deals: Consumer Terms & Conditions

Last Updated: August 2026

Welcome to Dine In Deals! Please read these Terms and Conditions (“Terms”) carefully — they constitute a legally binding agreement between you (“you” or “your”) and EatClub Pty Ltd ABN 67 610 093 297 and, except where noted otherwise, its subsidiaries and affiliated companies, collectively (“EatClub,” “we,” “us,” or “our” unless otherwise specified). These Terms should be read in conjunction with our Privacy Policy, the Vault Terms of Service (if your Card Provider is Vault Payment Solutions Group Pty Ltd), and any supplementary terms incorporated by reference in the Dine In Deals Service.

EatClub is an online marketplace and mobile application that connects you with dining offers from Participating Venues. These Terms govern your access to and use of the Dine In Deals Service. The Dine In Deals Service is operated by EatClub and is made available to eligible Commonwealth Bank of Australia (“CBA”) customers through the CBA App. By accessing or using the Dine In Deals Service, you acknowledge that you have read, understood and agree to be bound by these Terms, and the EatClub Privacy Policy.

CBA is not a party to these Terms and does not provide, operate, sponsor or control the Dine In Deals Service, the Digital Dining Card, any Offer or any Participating Venue. CBA makes the Dine In Deals Service available through the CBA App as an access channel for eligible CBA customers.

EatClub is not a subscriber to the ePayments Code, and these Terms will not be interpreted so as to treat any facility created under these Terms as if the ePayments Code applies to it.

Nothing in these Terms excludes, modifies or limits any guarantee, right or remedy conferred on you by the Australian Consumer Law or any other applicable law that cannot lawfully be excluded, modified or limited. If you have a complaint, contact us at dineindeals@eatclub.com.au or call 0468 066 392.

How does the Dine In Deals Service work?

EatClub helps you save money through ‘Dine In Deals’ when you redeem dining offers available at Participating Venues via the CBA App. Here are the basics:

1. Browse offers

Open the Dine In Deals Service via the CBA App to browse dining discounts, offers, deals and promotions from Participating Venues near you. Offers are made available by Participating Venues from time to time and at their discretion.

2. Redeem an Offer

Found somewhere you like? Redeem the Offer in the Dine In Deals Service via the CBA App before you head to the Participating Venue.

3. Dine and enjoy

Walk in, sit down, and enjoy your meal. No need to mention EatClub to staff. The discount is automatically applied when you pay (see Step 4 below).

4. Pay with your Digital Dining Card

When it's time to pay, tap your Digital Dining Card (which may be stored in your Digital Wallet) to settle a Transaction. Your discount is applied instantly and you are charged the discounted amount plus the EatClub Dine In Deals Fee.

5. Check the fine print

Some Offers have specific restrictions — dine-in only, max guests, minimum spend, that sort of thing. It's all in the Offer details. If you don't follow them, the Offer's invalid and we may charge back the Offer amount to your Digital Dining Card. No one wants that, so just have a quick read before you redeem it.

6. Break the rules, lose the discount

We keep things fair for everyone. If you break the rules (see the Dine In Deals Service Dining Rules below), we may charge back the Offer amount to your Digital Dining Card acting reasonably and, where practicable, with prior notice to you. Repeat offenders may lose access to Offers at Participating Venues or across the Dine In Deals Service as a whole. You can appeal within 30 days if you think we got it wrong.

Dine In Deals Service Dining Rules

When dining out on an Offer, please follow these simple rules to keep your Offer valid:

1. No Bookings

Your Offer is walk-in only and will become invalid otherwise. Participating Venues create these Offers for spare tables. If the Participating Venue is busy, you may need to wait for an available table.

2. Keep it Discreet

There is no need to inform staff that you have an Offer. It's completely automated with your Digital Dining Card.

3. No double dipping

You cannot use any External Discount when paying with the Digital Dining Card, whether or not you are redeeming an Offer. Any External Discount detected on a Transaction may be automatically removed. See clause 6 for full details.

4. No unwanted guests

An Offer is invalid if you exceed the guest maximum, clearly stated on your Offer redeemed via the Dine In Deals Service.

5. Be kind to staff

Otherwise, it can sour our relationship with Participating Venues and result in Offers being taken down.

Key things to know

EatClub Dine In Deals Fee

EatClub charges a small service fee of 2.25% of the total Transaction value for each Transaction. This service fee is the EatClub Dine In Deals Fee and is how we keep the EatClub Platform running.

Cancellation

If you have redeemed an Offer, you can cancel the Offer without incurring fees within the cancellation period displayed on the Dine In Deals Service. Please refer to our Cancellation Policy (clause 9) for full details.

1. Definitions and interpretation

2. About EatClub and the Dine In Deals Service

3. Availability of Offers

4. Redeeming an Offer

5. Eligibility requirements

6. External Discount Policy and Enforcement

7. Monitoring and compliance

8. Digital Dining Card Terms

9. Cancellation Policy

10. Fees and charges

11. Tax

12. Refunds

13. Limitations of use

14. Intellectual property and user content

15. Privacy and data handling

16. Communications

17. Disclaimer and limitation of liability

18. Changes to terms

19. Termination and suspension

20. Complaints

21. General

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EatClub acknowledges the traditional owners of the land on which we work and live. We pay our respects to Elders past, present and emerging and celebrate the food, places and culture of all First Nations, Aboriginal and Torres Strait communities.

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This material is general information only and does not consider your objectives, financial situation or needs. You should consider the https://eatclub.com.au/terms relating to this product before making any decision. The EatClub digital card is a prepaid, reloadable Mastercard issued by Vault Payment Solutions Group Pty Ltd (ABN 66 632 373 105). Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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Dine In Deals Terms and Conditions | EatClub

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Commonwealth Bank of Australia and Hopper Travel Booking Terms and Conditions

Thank you for using the Travel Booking service provided by Hopper within, and/or accessible from, Commonwealth Bank of Australia’s website and/or mobile properties (“CBA Travel”). The terms "Commonwealth Bank of Australia" or “CBA” as used in these Travel Booking Terms and Conditions (“Terms and Conditions”) means Commonwealth Bank of Australia, ABN 123 123 124l, with offices at Level 1, 11 Harbour Street, Sydney, NSW, 2000. The terms “Hopper” or “we” or “us” means Hopper Inc., with offices at 5795 Ave. de Gaspé, Montréal, Québec, H2S 2X3, Canada.

Hopper provides, pursuant to an agreement with CBA, the materials contained on the CBA Travel website and mobile properties within and/or accessible from the CBA websites and mobile properties, which hereinafter will be referred to as the “Sites,” as a service to CBA customers. Hopper requires that all visitors to the Sites adhere to the following Terms and Conditions. By accessing the Sites and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification.

From time to time, we may change these terms. We recommend that you review them on a regular basis.

You should also read Hopper’s separate Privacy Notice, which explains how Hopper handles and uses the data that Hopper collects when you use the Sites and Services, and which is incorporated by reference in these Terms and Conditions. By agreeing to these Terms and Conditions, you also consent to the collection and use of data as set forth in Hopper’s Privacy Notice.

Some of the services made available by Hopper through CBA Travel and the Sites are offered by Hopper (USA), Inc. and/or other Hopper affiliated companies. Your use of the services offered by Hopper and other third-parties that may be linked to from the Sites will be governed by their respective Terms and Conditions and Privacy Policies.

1. Use of the CBA Travel Sites

1.1. The CBA Travel Sites are made available by Hopper to eligible CBA credit card and/or debit card holders, as determined by CBA. By using the Sites, you represent and warrant that any profile information you submit is true and accurate, that you are 18 years of age or older and fully able and competent to enter into and abide by these Terms and Conditions.
1.2. Except as otherwise expressly provided in these Terms and Conditions, the services available through CBA Travel are for personal, non-commercial use only. You may only use CBA Travel to make legitimate reservations or purchases for you or other persons for whom you are authorized to act. You represent and warrant that you are not using CBA Travel on behalf of any other third person or entity, or for any commercial purpose. You shall not use CBA Travel to make any speculative, false, fictitious, unauthorized or fraudulent reservations.
1.3. You may not use the CBA Travel Sites if you are identified on any government list of prohibited, sanctioned, or restricted parties, or if you are located in a country that is subject to a government embargo.
1.4. While you may make copies of information related to your booked travel reservations, you may not attempt to access, copy, decompile, disassemble, or reverse-engineer, distribute, sublicense, publish, interrupt, destroy, or interfere with the source code, libraries, databases, algorithms, data, or CBA or Hopper systems or networks that make up the CBA Travel Sites, or attempt to circumvent any security controls included in the CBA Travel Sites. You may not attempt to access the CBA Travel Sites using any automated tools, including without limitation the use of bots, spiders, crawlers, scrapers or other similar tools, or other technology not authorized by CBA and/or Hopper. You may not deep-link to any portion of CBA Travel Sites (including, without limitation, the purchase path for any travel services) or frame, mirror or otherwise incorporate any part of the CBA Travel Sites into any other app or site without Hopper’s prior express written authorization. You may not use the CBA Travel Sites for any purpose that is fraudulent or deceptive. If your right to access the CBA Travel Sites has been previously revoked by CBA and/or Hopper, or is otherwise not authorized by CBA, all use of the CBA Travel Sites is prohibited.
1.5. We reserve the right to refuse access to the CBA Travel Sites or to limit or take away your access at any time and may take all available legal recourse for actual or suspected violations of these Terms and Conditions, including cancellation of bookings and closure of your CBA card account. Any delay by CBA in taking such actions does not constitute a waiver of CBA’s rights to enforce these Terms and Conditions. By making CBA Travel and the Sites available for your use, CBA does not consent to act as your agent or fiduciary. Use of the Sites is void where prohibited.
1.6. As a condition of your use of this Site, you warrant that you will not use this Sites for any purpose that is unlawful or prohibited by these Terms and Conditions.

2. Third-Party Travel Services; Third-Party Websites

2.1. The purchase of third-party travel products and services through the Sites will be governed by and subject to additional terms and conditions from the providers of those services (e.g. airlines, hotels, car rental providers) (“Suppliers”), and subject to laws and regulations imposed by government entities. By making a booking with a third-party travel service Supplier, you agree to abide by all such terms, laws, and regulations. Where possible, Hopper will make these terms available to you on the Sites, and/or as links accessible from the Sites. However, additional applicable terms may be provided on the third-party Supplier’s website, for example, an airline’s cancellation or refund policy. Please read these additional provider terms and conditions carefully prior to purchase, and ensure that you understand the full terms applicable to your airfare, hotel, trip insurance, car rental, or other third-party service. The purchase of certain third-party travel products and services will be subject to these terms and conditions. If you make bookings on behalf of another person(s) with their authorization, you agree that you will inform such other person(s) about these Terms and any third-party terms, rules and restrictions that apply to the bookings made on their behalf. You understand and agree that any violation of third-party Supplier terms of service may result in a cancellation of your bookings, denial of service, and forfeit of any amounts paid, subject to applicable law. Except to the extent required by the Australian Consumer Law, neither Hopper nor CBA is not responsible for any damages resulting from your violation of third-party Supplier terms.
2.2. Some of the websites referenced as links herein are not under the control of Hopper, but rather are exclusively controlled by third parties. You should review the terms applicable to any third-party site that you choose to access. Accordingly, Hopper makes no representations whatsoever concerning such websites. Although Hopper may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by Hopper with respect to such website, its owners or its providers. Hopper is providing these links only as a convenience to you. Hopper has not tested any information, products or software found on such websites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature. IN NO EVENT WILL HOPPER, OR ITS AFFILIATED COMPANIES, BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

3. Payment Authorizations

3.1. In order to make purchases from Hopper and/or from third-party travel service Supplier (e.g., airlines, hotels, rental car providers, property managers, etc.) using the CBA Travel Services and the Sites, you may use an authorized CBA-issued payment instrument or account. Eligible CommBank Yello customers may also use CommBank Yello points to pay all or part of the amount payable for a CBA Travel Booking reservation, subject to additional terms and conditions available at https://www.commbank.com.au/travel/travel-booking.html. If CommBank Yello points are applied to only part of the amount payable, the remaining balance must be paid using an authorized CBA-issued payment instrument or account, or other available method outlined in these terms (such as Travel Credits). Use of CommBank Yello points is subject to the CommBank Yello Program Terms and Conditions and the CommBank Yello points for booking through Travel Booking Terms and Conditions available at commbank.com.au. To complete a purchase, you may need to provide additional information, which will be stored together with information about your CBA payment account. You agree: (i) to provide and maintain accurate, current and complete information for your CBA Travel account, (ii) to maintain the security of your account by not sharing, disclosing, or making available access credentials to any unauthorized person, and (iii) to notify Hopper promptly if you discover or otherwise suspect any security breaches relating to your use of CBA Travel or the Sites. You agree to be responsible for all activities and purchases that occur on the Sites using your CBA Travel account, and you accept all risks of unauthorized access to your CBA Travel account resulting from any act or omission by you in violation of these terms.
3.2. You may change the payment instrument associated with your CBA Travel account or add additional authorized payment instruments at any time. By linking an authorized payment instrument to your CBA Travel account, you represent to Hopper that you are an authorized user of the payment instrument. You are responsible for ensuring that the payment instrument(s) associated with your CBA Travel account is at all times current, non-expired, and valid for payments.
3.3. You authorize Hopper, and/or applicable third-party travel service Supplier, to charge your linked or entered payment instrument(s) for the balance of all purchases or other payment transactions initiated in the CBA Travel Sites using your CBA payment instrument or account, after applying your chosen amount of CommBank Yello points or other available payment methods accepted under these terms (such as Travel Credits), as necessary to complete the purchase, payment or other financial transaction requested or agreed to by you, including without limitation all fees and taxes. Where you apply CommBank Yello points to a CBA Travel Booking reservation, you authorize Hopper and/or CBA, as applicable, to process, deduct, redeem, reverse, reinstate, re-credit or otherwise adjust those CommBank Yello points in accordance with your instructions and the applicable CommBank Yello Program Terms and Conditions and CommBank Yello points for booking through Travel Booking Terms and Conditions. In some cases, Hopper may pass your payment instrument(s) to a third party travel service Supplier (such as an airline, rental car service, property manager or hotel) in order to process your authorized payment. By making a booking, you authorize such transfer of your payment instrument. In the event you are entitled to a reversal, refund, chargeback, or other adjustment associated with a transaction you made using your payment instrument and/or CommBank Yello points, you also authorize a credit to your payment instrument(s) and/or a reversal, reinstatement, re-credit or other adjustment of the relevant CommBank Yello points, as applicable, by Hopper and/or CBA as necessary to execute that transaction, subject to applicable Supplier rules, the CommBank Yello Program Terms and Conditions, the CommBank Yello points for booking through Travel Booking Terms and Conditions and your rights under the Australian Consumer Law.
3.4. In the event that a charge to any payment instrument fails or a CommBank Yello points redemption is unavailable, declined, not completed, reversed, or otherwise fails, you agree to link a new, valid payment instrument or otherwise resolve the outstanding balance within three (3) business days of notification by Hopper or CBA. Your CBA Travel account will be disabled, and all purchased products and third party travel services may be cancelled, until a valid payment instrument is provided and the outstanding uncharged balance or other unpaid amount is resolved. You further authorize Hopper to attempt to re-submit any failed charge to any payment instrument(s) associated with your account at subsequent times until successful for any amount not covered by a valid CommBank Yello points redemption. Hopper is not responsible for any charges imposed by the issuer of your payment instrument as a result of any failed charge or re-charge by Hopper. To the extent that Hopper is unable to successfully charge any payment instrument linked to your Hopper account as payment for authorized transactions or collect any outstanding amount not covered by a completed CommBank Yello points redemption for more than thirty (30) days, you understand and agree that Hopper may employ a collection agency or other business in an effort to collect any outstanding debts and fees associated with your Hopper account, and you will not contest the use of a third party to collect the debt and fees owed to Hopper. You agree that you will be responsible for any legal, court, arbitration or collection agency fees associated with rectifying your Hopper account and all monies owed thereunder. You agree that Hopper, or any agency or business employed by Hopper, has the right to contact you and your heirs via telephone, email or (if not prohibited by law) in-person using the information you provided upon registration or during any contact with Hopper, or any other publicly available or attainable information, in an effort to collect any monies and fees owed to Hopper, whether specifically referenced in these Terms and Conditions or not, and such contact may be made in a manual or automated fashion.
3.5. Unauthorized Transactions; Lost Devices. If any transaction receipt received by you appears incorrect, or was unauthorized or fraudulent, including where it relates to any application, redemption or attempted redemption of CommBank Yello points, you shall notify Hopper immediately, by contacting CBA Travel Support and, where applicable, CBA in accordance with the CommBank Yello Program Terms and Conditions. In the event that you lose any mobile device on which an App linked to your CBA Travel account is installed, you shall notify Hopper immediately by contacting Hopper at privacy@hopper.com. You should always secure any device on which a CBA Travel App is installed.
3.6. Hopper or the third-party travel service Supplier may cancel a booking in the event of non-payment, failure to pay any remaining balance, unsuccessful or reversed CommBank Yello points redemption, payment dispute, rewards dispute, including any dispute relating to the application or redemption of CommBank Yello points, fraud, or suspected fraud, and penalties imposed by Suppliers, up to the full amount of each ticket/reservation, may be applied regardless of whether the booking was paid for using a payment instrument, CommBank Yello points, or both. You may also have rights under the Competition and Consumer Act of 2010, Schedule 2 or other Australian consumer protection laws (herein referred to as the, “Australian Consumer Law”) in these circumstances.
3.7. Some prices and/or fees provided in the Sites for purchases may be displayed to you in a default, or your preferred or selected, currency, although the charge made to your payment instrument by a third-party travel service Supplier will be in a local currency. Where CommBank Yello points are applied to a purchase, the number of Points required and the redemption value attributed to those Points will be determined at the time of redemption in accordance with the CommBank Yello Program Terms and Conditions and the CommBank Yello points for booking through Travel Booking Terms and Conditions, including by reference to the currency in which the booking is priced or processed and the CommBank Yello points conversion rate applicable at that time. In these cases, the amount charged to your payment instrument, if any, including any remaining balance payable after CommBank Yello points are applied to the purchase, may vary from the amount displayed, due to fluctuations in currency exchange rates beyond Hopper’s control. Your payment instrument provider or issuer may also include a fee to process the transaction or convert currency, plus any applicable taxes for international purchases.

4. Hopper Predictions and Sort Order

4.1. Hopper’s price prediction services and notifications provide a powerful tool to assist you in finding the best time to book travel and save money. Hopper works hard to ensure the accuracy of its predictions based on past data and current trends. However, forecasting price movements in a highly competitive, unpredictable global market has inherent limitations, and no prediction tool can be 100% accurate. Accordingly, while Hopper believes strongly in the accuracy of its predictions, Hopper does not guarantee their accuracy, and shall not be liable for any reliance upon them, except as expressly set forth in the terms of any Hopper product purchased by you, such as a Hopper Price Freeze or Auto Price Drop option.
4.2. When you search for flights, hotels or homes, or car bookings, Hopper provides you a number of options for displaying, filtering, and sorting the results.
- 4.2.1. Hopper’s default flight search results provide you first with an identification of the flights identified by Hopper’s algorithms as “Recommended,” including for example as “Best overall,” “Best quality,” “Best price” or “Fastest.” Hopper uses a number of factors to identify a “Recommended” flight, and Hopper’s recommendation algorithms are not impacted by any fees paid to Hopper.
- 4.2.2. Hopper offers different options to display your search hotel results. You can use the “sort by” setting to order your search results based on price, user rating and percentage of savings, or other specific criteria as may be available to you from time to time. If no specific sort order option is selected, Hopper’s default hotel search results provide you with a listing of the properties identified by Hopper as “Recommended” for you based on a number of factors including price, location, amenities, the popularity of the property, the quality of the content provided by the property and the competitiveness of the property’s rates and availability. In addition, when determining the relative order of properties with similar offers in your search results listings, Hopper’s recommendation algorithms may be impacted by the compensation received by Hopper in connection with the reservation, and/or in connection with any hotel marketing programs and/or marketing relationships with certain properties. As we continue to improve our services to provide you with the best service, we may change our search results criteria and may test different default sort order algorithms from time to time.
- 4.2.3. Hopper’s default vacation rentals search results provide you with an identification of the hotels or rentals identified by Hopper as “Recommended” for you based on a number of factors including price, location, and amenities. Hopper’s recommendation algorithms are not impacted by any fees paid to Hopper.
- 4.2.4. Hopper’s default cars search result sort order is based solely on price.

5. Information Applicable to All Third-Party Travel Service Bookings

5.1. Service Guarantee. Hopper’s CBA Travel booking services come with guarantees under the Australian Consumer Law that include: (1) they will be provided with due care and skill; (2) they will be reasonably fit for the specified purpose; (3) they can reasonably be expected to achieve the desired result; and (4) they will be provided within a reasonable time. If we fail to meet any of these guarantees, you may have rights under the Australian Consumer Law.
5.2. Cancellations and changes. Reservations are generally subject to the rules of each Supplier on your itinerary. Subject to your rights under the Australian Consumer Law, some reservations cannot be cancelled for a refund, and itinerary changes are subject to CBA Travel and/or Supplier imposed cancellation or change fees plus applicable fare differential. Refunds, if permitted, may take up to 90 days to process and are subject to the policies of the individual Supplier. All refund requests must be submitted within 30 days after the scheduled departure date and any negotiable documents (i.e. airline tickets, redeemable certificates or vouchers, etc.) issued must be returned to Hopper prior to processing any refund. Refunds will be returned via original payment method, with split-pay transactions using both credit card and rewards being refunded proportionally. Please note: The cancellation policy for reservations made through CBA Travel may differ from the cancellation policy for reservations made directly with the Supplier. You may also have rights under the Australian Consumer Law in these circumstances.
5.3. Compliance with Laws. All bookings made on the CBA Travel Sites shall comply with all applicable governmental laws, rules and regulations including, without limitation, government- sanctions. Such sanctions may prevent Hopper from offering travel to specific destinations or individuals. To assist Hooper with its compliance with laws, rules and regulations, Hopper may ask you for additional information. Any booking made, or in good faith believed to be made, in violation of applicable law, will be cancelled by Hopper, in its sole discretion, with no liability to you other than to issue a refund, if permitted by law or your rights under the Australian Consumer Law.
5.4. Required identification. Approved, government-issued photo identification is required for travel booked via CBA Travel, and must match the full name on the reservation. Some air carriers may also require you to show the credit card used as payment for your ticket(s). If you are booking international travel, you will need a passport, and you may need a visa. You must consult the relevant embass(ies) or consulate(s) for passport and visa information, and for any other requirements applicable to your travel, such as immunization or other health and safety requirements. As requirements may change, you should check for up-to-date information before booking and departure and allow sufficient time for all required applications. It is solely your responsibility to obtain proper travel identification and satisfy all requirements for each location on your itinerary, including layover and stopover destinations. Hopper and CBA are not responsible if you are refused entry onto a flight or into any country due to your failure to satisfy any entry requirements. Government imposed departure or entry taxes may not be included in ticket taxes. Passengers should be prepared to pay these taxes in cash, in local currency, on location. Some governments require airlines to provide personal information about all travellers on their aircraft. The data will be collected either at the airport when you check in or in some circumstances when you make your booking. Please contact the relevant airline you are travelling with if you have any questions about this. Hopper and CBA do not represent or warrant that travel to international destinations is advisable or without risk and is not liable for damages or losses that may result from travel to such destinations. Any fines, penalties, payments, or expenditures incurred as a result of such documents not meeting the requirements of relevant authorities will be your sole responsibility (except to the extent caused by fault on our part).
5.5. Minors. Minors under the age of 18 who are travelling with only one parent may be required to have additional documentation. Please contact your airline or the embassy/consulate of the country from which you are departing and the country to which you are travelling for additional information.
5.6. Accommodations. Hopper and CBA have no special knowledge regarding the suitability for persons with disabilities for any travel itinerary presented via CBA Travel.
5.7. Potential dangers. Hopper and CBA have no special knowledge regarding unsafe conditions, health hazards, weather hazards, or climate extremes at locations to which you may travel. By offering reservations for travel products in particular destinations, Hopper and CBA do not represent or warrant that travel to such areas is advisable or without risk, and is not liable for damages or losses that may result from travel to such destinations. For information concerning possible dangers at international destinations, Hopper recommends contacting the relevant travel authorities for more information.
5.8. Public health. Government, airline and travel service provider COVID-19 travel requirements are subject to change without notice. Before booking, regularly after booking, and immediately before you travel, ensure you check the latest Australian Federal Government’s travel requirements. Visit the Australian Department of Home Affairs website https://covid19.homeaffairs.gov.au/ for more information. As international travel resumes, Australia and all other countries may implement measures which continuously change, including additional health and safety protocols in response to COVID-19 and new variants which may impact your travel. We recommend that you contact the Department of Foreign Affairs and Trade (“DFAT”) or visit their website at www.smartraveller.gov.au for general travel advice, as well as specific advice (including safety alert levels) relating to the destination/s you wish to visit or transit through. You acknowledge that you are choosing to travel at a time where you may be exposed to COVID-19. It is your own responsibility to acquaint yourself with all relevant travel information, including applicable health risks related to COVID or any travel vaccinations or inoculations required or recommended for travel (COVID or otherwise related). You acknowledge that your decision to travel is made based on your own consideration of this information, and you acknowledge and agree that you are aware of, and assume responsibility for, the risks associated with travelling at this time. To the fullest extent permitted by law, we accept no liability in relation to these additional risks. Whether any medical requests can be accommodated, including (without limitation) access to power, refrigeration and travelling with the use of mobility aids, is subject to the Supplier in their sole and absolute discretion, and will often depend on several factors, including (without limitation) any modes of transport and local standards at the destination. All medical requests are beyond our control. While we will include all medical requests as a file note to the travel service provider, we cannot guarantee that your request will be accommodated. It is your responsibility to follow up with the travel service provider directly either at the destination or prior to travelling where possible.
5.9. Tickets. The passenger's ticket(s), when issued, or the electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger. Hopper and CBA shall have no liability for any actions or omissions of the Supplier, except where required by applicable law.
5.10. Credits and vouchers. Hopper and CBA shall have no responsibility for any credit or voucher issued by any Supplier, and any questions or issues you may have with respect to such credit or voucher must be addressed directly with the Supplier. Hopper will only allow and facilitate usage of travel credits issued by airlines for bookings made through the Sites.
5.11. Special requests and upgrades. Special requests made to a Supplier are on a request-only basis and cannot be guaranteed. Fees, taxes and charges may apply, depending on the service request. Upgrades are not permitted on certain itineraries. Please check with the Supplier directly. Supplier policies are subject to change at any time without notice.
5.12. Loyalty programs Certain rate types do not permit credit for airline frequent flyer programs or car or hotel loyalty programs. The name connected to the frequent flyer program or loyalty program must match the traveller listed on the itinerary or the Supplier may invalidate the booking. You may see a difference between airline loyalty miles received and the amount paid.
5.13. Luggage. Hopper and CBA are not responsible for any lost, damaged, or delayed luggage.
5.14. Supplier Insolvency. Without limiting anything herein, for the avoidance of doubt, in the event of a Supplier being unable to provide you with the product and/or service you have booked due to that third party provider becoming insolvent or being placed under external administration, subject to your refund and remedy rights under the Australian Consumer Law, we have no obligation to reimburse you for the cost of your booking, or for any loss or damage you may otherwise suffer as a result of any such insolvency or external administration.

6. Information Applicable to Flight Bookings

6.1. General ticket rules. Subject to your rights under Australian Consumer Law, Airline tickets are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by airline fare rules and, if permitted, are subject to airline rules, airline penalties up to the full amount of each ticket plus, in the case of a changed ticket, fare difference charges, and may also be subject to Hopper and/or CBA Travel fees. If there is more than one carrier on your itinerary, airline rules, airline penalties and change fees may apply to EACH airline on your itinerary and each change made.
6.2. Unused or cancelled tickets. Subject to your rights under Australian Consumer Law, If the ticket is refundable, there may be cancellation fees to refund the ticket. Unused tickets may have no value if not cancelled prior to the scheduled departure date/time as specified by the airline's fare rules. Failure to use any reservations may result in automatic cancellation of all continuing and return reservations. You must advise your carrier if your travel plans change en route. Tickets cannot be reassigned or transferred to a different passenger or airline.
6.3. Additional services and fees. Airlines may impose additional costs and fees for baggage, meals, beverages and other services. These costs are your sole responsibility. For information regarding airline liability limitations, baggage liability and other regulations of the Montreal Convention, and other regulations, please consult your air carrier.
6.4. Flight availability. A small number of air carriers may require Hopper to confirm flight availability when booking. If there is any issue with availability, you will receive an email notification of the unavailability and will be refunded to your original payment method for any charges.
6.5. Airline travel credits. In some situations an airline may issue you a credit “in lieu of” a refund according to the fare rules associated with the individual booking. If a credit is issued by an airline, it is held by the airline in the name of the individual who was the passenger of record on the original reservation. This credit can be used towards the payment for the booking of a new trip, subject to the terms and conditions of the credit-issuing airline.
6.6. Flight schedules. Flight schedules are subject to change. Hopper may inform you of schedule changes in some scenarios, but is not responsible for any schedule change(s) or notifying you of such change(s). It is your responsibility to confirm the scheduled departure time(s) on the airlines' websites at least 48 hours prior to departure for domestic flights and at least 72 hours prior to departure for international flights to learn if your flight schedule changed.
6.7. Check-in time and requirements. Check with each airline regarding its specific boarding and check-in requirements. We recommend that you check-in before arriving at the airport, where such advance check-in is offered by our airline. Some airlines offer advance check-in beginning 24 hours before departure. CHECK-IN TIME: The time shown on the itinerary/receipt is the departure time of the aircraft. Flight departure time is not the same as the time you must check-in or the time you must be available for boarding. Your carrier may refuse your carriage if you are late. Check-in times, as advised by your carrier, are the latest times at which passengers can be accepted for travel; boarding times, as advised by your carrier, are the latest times at which passengers must present themselves for boarding. Flight cannot be held for late-arriving passengers, and CBA accepts no responsibility in such cases.
6.8. Aircraft. Turboprop aircraft may exist on your itinerary. Airlines reserve the right to change aircraft equipment without notice to the booking travel agency or the consumer.
6.9. Code-sharing. If a code-share flight exists in your itinerary (a flight where two or more airlines share the same flight), passengers must check in with the operating airline on the day of departure.
6.10. Tickets and boarding passes. All tickets will be issued at the time of booking as e-tickets. You will receive a boarding pass upon checking in with the airline digitally or at the airport.
6.11. Seat selection. Advance seat assignments, if available and allowed by airline, are not guaranteed and could be subject to additional fees. Please inquire with the airline.
6.12. Large group bookings. You may add up to 6 passengers onto a single booking. If you need to book for more than 6 passengers, you may do so for any remaining passengers via another booking. Each booking will have a maximum of 6 passengers. Please ensure that you do not duplicate passenger names across bookings with identical flights and dates. If multiple bookings are identical, including passenger names, they are considered duplicate bookings and will be subject to cancellation by the airline.
6.13. Unaccompanied minors policy. Unfortunately, due to airline contracts, Hopper and CBA Travel cannot support travellers less than 18 years old, unless they are travelling with an adult (age 18 or older) who is named on the same itinerary. If you want to book a flight for an unaccompanied minor, please book directly through the airline.
6.14. EU traveller rights. If you are travelling into or out of the European Union, or on an EU-based airline, You may have rights in the event that your flight is cancelled, delayed or you are denied boarding. Please consult Regulation (EC) 261/2004 for more information.
6.15. Hazardous materials. The carriage of hazardous materials aboard aircraft in your luggage or on you is generally forbidden.
6.16. Baggage allowance. Excess valuation may be declared on certain types of articles. Carriers may apply special rules for fragile, valuable, or perishable articles. Check with your carrier. Carriers may permit a free checked baggage allowance, which is set by the carrier and may differ by class, and/or route. Carriers may apply extra charges for checked baggage in excess of their permitted allowance. Check with your carrier. Cabin (Unchecked) Baggage: Carriers may permit a free cabin baggage allowance, which is set by the carrier and may differ by class, route, and/or aircraft type. It is recommended that cabin baggage be kept to a minimum. Check with your carrier. If more than one carrier is providing the transportation for your journey, each carrier may apply different rules on baggage (both checked and cabin).
6.17. ADVICE TO INTERNATIONAL PASSENGERS ON LIMITATIONS OF LIABILITY. PASSENGERS EMBARKING UPON A JOURNEY INVOLVING AN ULTIMATE DESTINATION OR A STOP IN A COUNTRY OTHER THAN THE COUNTRY OF DEPARTURE ARE ADVISED THAT THE PROVISIONS OF AN INTERNATIONAL TREATY (THE WARSAW CONVENTION, THE 1999 MONTREAL CONVENTION, OR OTHER TREATY), AS WELL AS A CARRIER’S OWN CONTRACT OF CARRIAGE OR TARIFF PROVISIONS, MAY BE APPLICABLE TO THEIR ENTIRE JOURNEY, INCLUDING ANY PORTION ENTIRELY WITHIN THE COUNTRIES OF DEPARTURE AND DESTINATION. THE APPLICABLE TREATY GOVERNS AND MAY LIMIT THE LIABILITY OF CARRIERS TO PASSENGERS FOR DEATH OR PERSONAL INJURY, DESTRUCTION OR LOSS OF, OR DAMAGE TO, BAGGAGE, AND FOR DELAY OF PASSENGERS AND BAGGAGE. ADDITIONAL PROTECTION CAN USUALLY BE OBTAINED BY PURCHASING INSURANCE FROM A PRIVATE COMPANY. SUCH INSURANCE IS NOT AFFECTED BY ANY LIMITATION OF THE CARRIER’S LIABILITY UNDER AN INTERNATIONAL TREATY. FOR FURTHER INFORMATION PLEASE CONSULT YOUR AIRLINE OR INSURANCE COMPANY REPRESENTATIVE. THIS LIABILITY CLAUSE IS SUBJECT TO YOUR RIGHTS UNDER AUSTRALIAN CONSUMER LAW AND NOTHING IN THESE TERMS AND CONDITIONS IS INTENDED TO LIMIT ANY RIGHTS YOU MAY HAVE UNDER AUSTRALIAN CONSUMER LAW.
6.18. Notice of Contract Terms Incorporated by Reference. Your contract of carriage with the carrier that provides you with carriage by air, whether international, domestic or a domestic portion of an international journey is subject to this notice; to any notice or receipt of the carrier; and to the carrier’s individual terms and conditions (“Conditions”), related rules, regulations and policies (“Regulations”) and any applicable tariffs. If your carriage is by more than one carrier, different Conditions, Regulations and any applicable tariffs may apply for each carrier. The Conditions, Regulations and any applicable tariffs of each carrier are, by this notice, incorporated by reference into and made part of your contract of carriage. The Conditions may include, but are not restricted to: (a) Conditions and limits on the carrier’s liability for the bodily injury or death of passengers; (b) Conditions and limits on the carrier’s liability for the loss of, damage to or delay of goods and baggage, including fragile or perishable goods; (c) rules for declaring a higher value for baggage and for paying any supplementary fee that may apply; (d) application of the carrier’s Conditions and limits of liability to the acts of the carrier’s agents, servants and representatives, including any person providing either equipment or services to the carrier; (e) claims restrictions, including time limits by which passengers must file claims or bring actions against the carrier; (f) rules about reconfirmations or reservations; check in times; the use, duration and validity of air transportation services; and the carrier’s right to refuse carriage; (g) rights of the carrier and limits on the carrier’s liability for delay or failure to perform a service, including schedule changes, substitution of alternative carriers or aircraft and re-routing, and, when required by applicable law, the obligation of the carrier to notify passengers of the identity of the operating carrier or substituted aircraft; and (h) rights of the carrier to refuse carriage to passengers who fail to comply with applicable laws or who fail to present all necessary travel documents. You can obtain additional information on items (a) through (h) above and about your contract of carriage (including how to request a copy thereof) at places where transportation on the carrier is sold. Many carriers also have this information on their websites. When required by applicable law, you have the right to inspect the full text of your contract of carriage at the carrier’s airport and sales offices, and upon request, to receive a copy by mail or other delivery service from each carrier free of charge. If a carrier sells air transportation services or checks baggage specifying carriage on another carrier, it does so only as an agent for the other carrier. CARRIERS RESERVE THE RIGHT TO REFUSE CARRIAGE TO ANY PERSON WHO HAS ACQUIRED A TICKET IN VIOLATION OF APPLICABLE LAW OR THE CARRIER’S TARIFFS, RULES OR REGULATIONS. YOU CANNOT TRAVEL IF YOU DO NOT HAVE ALL REQUIRED TRAVEL DOCUMENTS, SUCH AS PASSPORT AND VISA. PASSENGER SHALL ARRIVE AT AIRPORT BY TIME EARLY ENOUGH TO COMPLETE DEPARTURE PROCEDURES. GOVERNMENTS MAY REQUIRE YOUR CARRIER TO PROVIDE INFORMATION ON OR PERMIT ACCESS TO PASSENGER DATA, INCLUDING INFORMATION WE MAY BE REQUIRED TO COLLECT FROM YOU DURING THE RESERVATION PROCESS.

7. Information Applicable to Hotel/Lodging Bookings

7.1. General hotel booking rules. Subject to your rights under Australian Consumer Law, Hotel rooms are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by the terms of the room/rate description. Check the terms carefully before making a hotel reservation for cancellation or change terms and fees. For rooms that are non-refundable, if you change or cancel your reservation at any time, you will still be charged the full reservation amount of room and tax for the entire stay. Early check-out from a hotel is not subject to a refund, unless allowed by the Supplier. If permitted, cancellations or modifications received at any time may be subject to a CBA Travel fee in addition to any Supplier fees. Please note that reservations do not include services not specified in the reservation confirmation.
7.2. Cancellations. Contact Hopper via the number listed on your itinerary for all cancellation or change requests. Cancellations or changes handled by the hotel directly may result in additional fees and/or the forfeiture of any refund due. When cancelling hotel reservations, retain your cancellation number so you will not be held responsible for cancellation charges if you cancel within the permitted cancellation window and the hotel makes an error.
7.3. Non-transferability. Hotel room reservations cannot be transferred or reassigned to another traveller and cannot be resold. If we determine that you have transferred or re-sold a reservation, those reservations are subject to cancellation and will incur applicable cancellation fees in accordance with the rate description.
7.4. No shows and lateness. Subject to your rights under Australian Consumer Law, no shows are non-refundable and will result in a forfeiture of all payments made and used by you in connection with the reservation, without credit due. If you think you may arrive at a hotel late, please contact the hotel directly to arrange for late arrival, if available. Actual times for "late" vary by hotel.
7.5. Check-in requirements. The hotel will require a major credit card, in the name of one of the guests, or a cash deposit upon check-in. Government-issued photo identification is required at check-in and must match the name on the reservation. Some properties have a minimum age requirement for check-in. In some cases, your name may not be provided by CBA Travel to the hotel until 24 hours prior to your arrival, due to hotel Supplier policies applicable to our preferred rates.
7.6. Incidental charges. Hotel reservations include room and applicable hotel taxes only. Any additional hotel charges, such as resort fees and hotel energy surcharges and cleaning fees, and any charges for incidentals that you incur are not included in your reservation rate and must be paid directly to the hotel. Incidental charges may include but are not limited to parking fees, baby sitting, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, and gratuities.
7.7. Special requests. Policies for children vary by hotel. Please contact the hotel directly to learn whether child benefits are offered and whether there are child restrictions. Additionally, please contact the hotel directly for any special requests, such as bed type, smoking preferences or in-room amenities. Special requests are subject to hotel availability.
7.8. Potential renovations and refurbishments. A reasonable attempt will be made to notify guests of hotel renovation or refurbishment if Hopper knows of the same; however, Hopper shall not be liable for any failure to provide such notification or for damages that may result from renovation or refurbishment.
7.9. Hotel ratings. Third-party hotel ratings displayed on the Sites are intended as only general guidelines, and Hopper does not guarantee or endorse any hotel, or the accuracy of any ratings.
7.10. Taxes. To the extent applicable, you acknowledge and agree that the supplier shall be treated by any tax authority in any pertinent jurisdiction as the supplier to the customer of e-collect bookings and the travel service component of an API partner package (where applicable) for VAT purposes as applied by Directive 2006/112/EC (where applicable) and any equivalent domestic legislation in any country.

8. Information Applicable to Rental Car Bookings

8.1. General rental car booking rules. Car rental redemptions may not be available for all locations and destinations. Subject to your rights under Australian Consumer Law, Cancellations or modifications received at any time are subject to the Supplier’s cancellation policies and cancellation fees which could be up to the full amount of the reservation and may also be subject to a CBA fee.
8.2. No shows. Subject to your rights under Australian Consumer Law, no shows are non-refundable and will result in a total forfeiture of any payments made and used by you in connection with the reservation, without credit due.
8.3. Early returns. The early return of car rentals is not eligible for a refund, regardless of situation or notification to the car rental company.
8.4. Additional fees and surcharges. Any additional taxes, fees and surcharges are subject to change without notice, may vary by location, and may be charged to the customer at pick-up.
8.5. Rental rates and rental periods. Rental rates are based on 24-hour periods and may be subject to additional fees depending on time of return, including but not limited to hourly rental charges, which will be billed directly to you by the car rental company. Certain car rentals may have a minimum rental period. Any rentals less than the required minimum days may be charged the minimum rental period.
8.6. Additional charges. Charges for optional services such as insurance, fuel, additional or underage drivers, and special equipment charges, are not included in your rental and must be paid directly to the car rental company. Car rental rates do not include collision damage waiver insurance and theft protection unless specified. Please contact your insurance company if you are unsure whether to accept rental car company insurance at the counter.
8.7. Vehicle. Hopper does not guarantee a specific make, model, or colour of vehicle no matter what vehicle is reserved.
8.8. Age requirements. Renters must meet the minimum (and maximum, if applicable) age requirement where the car is being rented, have a valid driver's license, major credit card and some Suppliers require a good driving record. Most rental car companies do not accept debit cards. Some Suppliers charge a surcharge for drivers above or below certain ages, which is collected by the Supplier at the time of pickup. Suppliers reserve the right to deny car rentals for any reason, including past driving records.
8.9. One way rentals. One way rentals may or may not be permitted. If there are additional fees for one way rentals, when permitted, these fees will not be included in the cost of the reservation. A reasonable attempt to advise of these fees will be made when this information is available to Hopper.

9. Terms for Additional Products and Features

9.1. The CBA Travel Sites may offer a number of Hopper proprietary products for sale, including Hopper Price Freeze (for Air, Hotels or Cars), Flex It bookings (for Air or Hotels), Leave for any Reason, Refundable Fares, Extend Your Void Window, Auto Price Drop, Rapid Rebook and other similar products (“Flexibility Products”), which aim to increase the flexibility of purchased travel items. The purchase of each Flexibility Product is subject to specified terms and conditions that will be made available to you at the time of purchase, and the terms set forth below. These Products are NOT regulated financial products such as insurance, and the specified terms and conditions are not offers to insure or an insurance contract, and do not take the place of insurance obtained or obtainable by you.
9.2. If offered, the additional products and features made available by Hopper through CBA Travel are subject to additional applicable terms and conditions presented prior to the time of purchase. Availability of these services may vary based on the type of your CBA account or card, and not all services are available to all customers or on all bookings. The availability of the services is subject to change without prior notice. Additional fees may apply.
9.3. Terms Applicable to Flex It bookings (Air and Hotel)
- 9.3.1. In connection with flight and/or hotel bookings via the CBA Travel Sites, Hopper may offer a “Flex It” booking option for an additional fee that enables the User to cancel an otherwise non-refundable flight or hotel booking for any reason, and receive a full or partial refund of the purchase price paid for the flight or hotel at the time of booking. Purchases of a “Flex It” booking option in connection with any flight or hotel booking is subject to the following terms as set forth in this Section 9.3. Availability and pricing of the Flex It booking option may vary, and not all services are available to all customers or on all bookings. Hopper may revise these terms at any time by updating this posting.
- 9.3.2. The Flex It booking option for flights entitles you to cancel your flight purchase for any reason, within the time period specified to you at the time of purchase and stated in your confirmation email, prior to your first scheduled departure and receive the refund amount (full or partial) as offered to you at the time of purchase of the Flex It option from Hopper via the CBA Travel Sites. The amount of the refund that your Flex It booking option entitles you to receive may vary. Please review the terms presented at the time of purchase carefully.
- 9.3.3. The Flex It booking option may only be purchased at the time of booking and may not be added after the booking. The Flex It booking option must be purchased for all passengers on the booking, and for all segments or legs of such booking. Hopper reserves the right to deny purchases of the Flex It booking option for any reason permitted by law (e.g., fraud or misuse).
- 9.3.4. The Flex It Fee is Non-refundable. The fee paid for the Flex It booking option is non-refundable and is only valid for the booking for which the option to cancel for any reason was purchased. The option to cancel for any reason is not transferable and cannot be carried over to any future bookings.
- 9.3.5. Cancellation procedure. If you have purchased a Flex It booking option with any flight, you will have the option to cancel that flight for any reason within the time period specified to you at the time of purchase and stated in your confirmation email prior to your first scheduled departure by visiting the CBA travel Sites, navigating to the “My Trips” section, and selecting your flight itinerary. No documentation or reason will be required in order to cancel. After this deadline has passed, the option to cancel for any reason will expire and any changes or cancellations to your purchased flight will be subject to the fare rules imposed by the respective airline carrier for your ticket. Exercising your Flex It booking option to cancel any flight in the booking will result in a cancellation of all purchased flights for that traveller for all legs or segments (i.e., outbound and return flights). If multiple travellers are on the flight booking, you may be able to cancel the flight for individual travellers by calling Hopper, or for all passengers by cancelling online. Cancellations cannot be reversed.
- 9.3.6. Refund method and amount. By purchasing the Flex It booking option, you will be eligible to receive a partial refund from Hopper of the purchase amount paid for your flight. Any Flex It refund amount paid will include a portion of the base fare and all related taxes and fees. The Flex It booking option does not entitle you to a full refund of all trip costs. Any paid add-ons, such as baggage, seat or boarding order selection, and the Flex It booking fee, are not refundable and will not be included in the refund amount. The refund portion is specified upon your purchase of the Flex It booking option. Refunds are typically processed within five (5) business days.
- 9.3.7. Exclusions. The Flex It booking option to cancel for any reason does not apply following the earlier of:
  * 9.3.7.1. A cancellation of any flight by an airline carrier for any reason, including the result of a force majeure event; or
  * 9.3.7.2. Any voluntarily cancellation or change requested by you directly with any airline, of any tickets subject to the cancel for any reason.
  * 9.3.7.3. In the event of such cancellation or change, your option to cancel for any reason shall expire immediately and a refund of your flight purchase will be subject to the fare rules imposed by the respective airline carrier for your ticket.
- 9.3.8. Modifications. If your purchased Flex It flight booking has been modified at your request after booking, the Flex It booking option will apply only to the original amount of the purchased trip. Certain modifications, such as changes to a passenger name or changes not applicable to all passengers on a multi-passenger booking, may require that you contact Hopper in order to use your Flex It option.
9.4. Terms Applicable to the Best Price Guarantee
- 9.4.1. Eligibility. Hopper offers a Best Price Guarantee in connection with flight booking purchases made through the CBA Travel Sites that entities you to a price match if you find the same itinerary on another eligible competing site at a lower price and let Hopper know within 24 hours of booking, subject to the terms and conditions set forth in this Section 9.4.
- 9.4.2. Qualification Criteria. To qualify for the Best Price Guarantee price match, you must keep your original itinerary and the lower-priced itinerary found must be:
  * 9.4.2.1. An exact match to the original itinerary with a price that was available within 24 hours of the original booking confirmation (including the cancellation policy, i.e. refundable or non-refundable, etc.);
  * 9.4.2.2. Priced in AUD, including any taxes and fees;
  * 9.4.2.3. Available to the general public. For example, this means that the rate doesn’t require the customer to log into a site or have a special membership or an available discount personal to the customer; and
  * 9.4.2.4. Available at the time you contact Hopper. Our agent must be able to verify that the lower price exists on the site that you identified.
- 9.4.3. How to make a price match claim. You must submit a Best Price Guarantee price match claim through the Hopper Customer Support team. Agents are available 24X7 and can be contacted via information provided on the CBA Travel Site, and in connection with your booking confirmation. To submit the price match claim, the following information must be provided:
  * 9.4.3.1. The trip ID of the original booking;
  * 9.4.3.2. The amount of the lower price; and
  * 9.4.3.3. The website where you found the lower price so that our agents can verify it.
- If the claim is verifiable, our agents will process the claim quickly and authorize the grant of Travel Credits (subject to the terms set forth in Section 10). If our agents are unable to verify the lower price, we will verify offline and will attempt to respond within 24 hours, though it may take longer in certain cases. If the claim is verifiable, you will receive an email confirmation of your Travel Credit. If the claim is not verifiable after an offline review, you will be notified of the decline by email, and you may not receive a travel credit.
- 9.4.4. Refund method and amount. For reservations that meet the Best Price Guarantee price match criteria, we will credit you, as Travel credit, the difference between the original booking and cheaper exact itinerary. Receipt and use of ‘Travel Credits’ are subject to certain terms and conditions – see the “Travel Credits” section (Section 10) in these terms and conditions for more information.
- 9.4.5. Forfeiture of Travel Credits. You must keep (and not cancel) your original itinerary booking in order to be eligible for the Best Price Guarantee price match ‘Travel Credits’. If you cancel your original itinerary after receiving a Best Price Guarantee grant of Travel Credit, any Travel Credits you received from that Best Price Guarantee will be voided and will no longer be available for you to use.
- 9.4.6. Exclusions. The itinerary you submit must be the exact same as the original booking itinerary via the CBA Travel Sites. If the itineraries are not the same, the Best Price Guarantee will not apply. For flights to be the exact same, the following conditions need to be the exact same:
  * 9.4.6.1. Both itineraries need to be for the exact same flight at the same time;
  * 9.4.6.2. The class of both flights are the same (i.e., both are economy class);
  * 9.4.6.3. They have identical add-ons (i.e., additional baggage, seat selection); and
  * 9.4.6.4. The cancelation policy of the flight is the same.
9.5. Terms Applicable to Auto Price Drop
- 9.5.1. Eligibility. If Hopper recommends via the CBA Travel Sites that it is a good time to book a flight now based on the price prediction services, and if you book and purchase a recommended non-refundable flight, you will automatically receive from Hopper an Auto Price Drop service for that flight booking purchase at no additional charge.
- 9.5.2. Price Drop Service Monitoring Period. Once Auto Price Drop is applied to a flight booking, Hopper will monitor the price of that itinerary (with the same flight, fare class, seat selection if applicable, etc.) via available Hopper partner inventory for ten (10) calendar days after the day of purchase, or until the day prior to departure, whichever is earlier. The Auto Price Drop service will not be applied after ten (10) calendar days from the day of purchase.
- 9.5.3. Issuing Auto Price Drop Travel Credit. For flight bookings that are subject to an eligible drop in price during the monitoring period, a credit will be issued, as Travel Credit, up to AU$50 per booking. The difference between the original booking price and the lowest price found during the monitoring period will be the amount refunded at the end of the period. Receipt and use of Travel Credits are subject to certain terms and conditions - see the “Travel Credits” section (Section 10) in these terms and conditions for more information.
- 9.5.4. Auto Price Drop Exclusions. If you void or cancel the flight after booking, Hopper will not provide the Auto Price Drop service, or any Travel Credit. If a price drop during the monitoring period does not exceed a minimum of AU$5, no Travel Credits will be issued. The Auto Price Drop service will only be applied to non-refundable flight bookings following a price prediction recommendation (in the price prediction screen during flight search) that the flight price is a ‘Great Price.’
9.6. Terms Applicable to Rapid Rebook Service
- 9.6.1. Hopper may make available to you the Rapid Rebook Service. When you purchase the Rapid Rebook Service, you have access to a free rebooking service in the event your originally scheduled flight is disrupted on the day of your trip. Availability of this service may vary, and not all services are available to all users or on all bookings. Hopper may revise these Terms and Conditions at any time by updating this posting.
- 9.6.2. Purchases. The fee for the Rapid Rebook Service is a service fee. If purchased, the Rapid Rebook Service will apply to the purchaser and other passengers on the same booking (“you”), so long as it was purchased at least twenty-four (24) hours in advance of your scheduled departure. The fee to purchase Rapid Rebook Service is assessed per flight booking and provides the service for all passengers included on the travel itinerary at the time of booking, up to the maximum value of the per passenger Service Cap. If there is more than one passenger on the booking, the passenger who made the booking shall determine how to exercise the Rapid Rebook Service, which shall apply to any other passenger included on the booking.
- 9.6.3. How it Works. You may use the Rapid Rebook Service once per your booked itinerary and only in the event that within 24 hours of the original departure time of your flight, your flight is either delayed by more than the time specified under your purchased service (which will be disclosed to you prior to purchase) or is canceled by the airline (a “Flight Disruption”). In the event of a Flight Disruption, you will have the option to rebook your disrupted flight on a qualifying flight through CBA Travel at no cost, up to the maximum cost per passenger specified to you at the time of purchase and stated in your confirmation email (“Service Cap”), or, if you are not satisfied with your rebooking options, to receive a refund of your full base fare. We will notify you when we detect a Flight Disruption and direct you to rebook through CBA Travel. If you elect to use the Rapid Rebook Service and the per passenger costs of the new flight exceed the Service Cap, you will be required to pay the per passenger costs in excess of the Service Cap at the time of re-booking. If you are not satisfied with your rebooking options, you will have the option to get a refund of your full base fare (including taxes and fees) booked through CBA Travel. Requesting a refund does not require you to contact your airline. However, if you receive a refund through the Rapid Rebook Service, you will not have the option to request an additional refund for the same ticket through the airline directly. See Section 9.6.8 (below) for more details about receiving a refund. If no decision to use the flight disruption assistance service is made, the service will expire twenty-four (24) hours after the last flight of your booked trip.
- 9.6.4. Eligible Reasons for Flight Disruptions. To be eligible to use the Rapid Rebook Service, the Flight Disruption must occur while you are in transit and traveling to or from your destination. “In-transit” means the disruption must have occurred within twenty-four (24) hours of your scheduled departure time for the impacted flight. The reason the flight was delayed or canceled must be due to an eligible reason. Eligible reasons include, but are not limited to, delays or cancellations, in each case due to airline issues, customs issues or weather. All determinations of whether a disruption was due to an eligible reason will be at the discretion of CBA Travel.
- 9.6.5. Exclusions. The service does not apply following the earlier of:
  * 9.6.5.1. A cancellation or modification of any flight by an airline carrier for any reason, including the result of a force majeure event; or
  * 9.6.5.2. Any voluntary cancellation or modification requested by you for any of the tickets subject to the service.
  * 9.6.5.3. In the event of such cancellation or modification, your purchased service shall expire immediately and a change to your travel dates or a refund of your purchased flight booking will be subject to the fare rules imposed by the respective airline carrier for your ticket.
- 9.6.6. Things to Know About Booking a New Flight. If a Flight Disruption occurs and you elect to use the service to rebook a new ticket on a qualifying flight, you must be able to arrive at the gate of the new or new connecting flight in time to board. CBA Travel is not responsible for ensuring you arrive at the gate on time and will not pay any additional costs if you miss your new flight. Additionally, please note:
  * 9.6.6.1. Checked luggage: If you have any checked luggage, you must coordinate directly with the original airline to retrieve your luggage before or after your new flight. CBA Travel is not responsible for any baggage retrieval and will not cover any baggage fees.
  * 9.6.6.2. Return flights or additional flights on your itinerary: If you elect to use this service, you are solely responsible for confirming with the airline on your original booking that the remainder of the flights in your booking, including any return flights, will not be canceled. If you elect to use the service and have a return flight or remaining legs of your trip that you wish to use, call your original airline directly to: (1) let them know you have found alternate travel for your disrupted flight and (2) request confirmation that any additional or return flights will not be canceled on your reservation. If the airline on the original booking cancels the remaining flight(s) on your original booking and you inform CBA Travel of such cancellation by contacting an agent or via the automated rebooking tool, CBA Travel will offer you the option to rebook a new flight to replace the canceled flight(s) at no extra cost, subject to these Terms and Conditions (including the Service Cap).
- 9.6.7. Other Restrictions. If you elect to use the Rapid Rebook Service, CBA Travel will not be responsible for any fees and costs incurred by you (e.g., new baggage fees or upgrades) other than the costs of the new eligible ticket(s) or refund for a disrupted flight, as applicable, and in each case subject to the Service Cap. The service is valid for ONE Flight Disruption per passenger in connection with the trip for which the service was purchased. A second Flight Disruption on the same trip itinerary will not be eligible for the service. The service does not carry over to any future bookings made with CBA Travel. The service is only offered on select bookings. CBA Travel reserves the right to deny the purchase of the service to any customer for any lawful reason. In the event you make a voluntary schedule change or cancelation more than twenty-four (24) hours before your departure date, the service will no longer be valid. In the event the airline makes an involuntary schedule change, the service will no longer be valid and you may contact Hopper customer support to obtain a refund of your service cost. The service cost is non-refundable and non-transferable.
- 9.6.8. Service Satisfaction Guarantee. The service comes with a satisfaction guarantee, as set forth in this Section. If you are eligible for and elect to use the Rapid Rebook Service, and you are not happy with the rebooking options offered by CBA Travel, you may choose to receive a refund for the cost of your original flight ticket(s) for which the service was purchased. Refunds cover the full base fare and related taxes and fees. Any paid add-ons, such as baggage, seat or boarding order selection, and Rapid Rebook Service, are not included in the refund. Refunds will be delivered to your original payment method (e.g., credit card, travel credits and/or rewards redemption). If you used a mixture of a credit card, redeemed rewards, and/or travel credits to purchase the fare, the difference will be refunded proportionally. The election to receive a refund shall be in lieu of rebooking on a new flight; if you elect to receive a refund, then the ability to rebook a disrupted flight with the service shall be immediately null and void. You may not be eligible to receive this service satisfaction guarantee refund in the event you elect to receive any cash or credit card refund provided from the airline for the cost of your disrupted flight. However, if you exercise the service satisfaction guarantee and receive a full refund for your booking through CBA Travel, you will still be eligible to receive any future travel credits or other non-cash equivalents that the airline may provide as compensation for the disrupted flight.
- 9.6.9. Passenger Rights Regimes. Certain jurisdictions, including the United Kingdom and the European Union, have adopted laws and/or regulations requiring airlines to compensate passengers in the event of certain disruptions to scheduled air travel (a “Passenger Rights Regime”). In the event of such a disruption, you may be eligible for compensation under a Passenger Rights Regime, regardless of whether you elect to purchase the Rapid Rebook Service. Flights within Australia, international flights departing Australia, and international flights to Australia booked through an Australian airline website are subject to basic consumer rights known as consumer guarantees. This includes a guarantee that services be provided to you within a reasonable time. In certain circumstances, you may be entitled to a refund or a different replacement flight, regardless of whether you purchase the Rapid Rebook Service.
- 9.6.10. Interaction with Other CBA Travel Services, Offers and Promotions. If you purchased the service for a flight purchased following receipt of any refund from CBA Travel such as an Auto Price Drop refund or price match guarantee refund, the dollar amount of any refund you receive as part of the flight disruption assistance service will be based on the final price you paid for the airline ticket(s) after receiving a refund or discount under any other offers, promotions, or services available through CBA Travel. If you have purchased the Flex It option in addition to the Rapid Rebook service for the same CBA Travel booking, your option to cancel for any reason will remain valid within the time period specified to you at the time of purchase and stated in your confirmation email prior to your first scheduled departure. If you exercise your Flex It option, your Rapid Rebook Service will immediately be null and void and you will not be entitled to receive any refund or rebooking under the service. Please see the “Flex It Bookings” section above for more information.
- 9.6.11. SMS Consent. By purchasing the Rapid Rebook Service, you hereby consent to receive SMS messages for the purpose of CBA Travel communicating updates to you regarding your purchased service.
- 9.6.12. Not Insurance. The service is a guarantee that CBA Travel will rebook you on a new, qualifying flight in the event you experience a Flight Disruption. In the event CBA Travel is unable to provide the rebooking service to your satisfaction, CBA Travel will provide a refund to your original payment method as specified in Section 9.6.8. CBA Travel provides its customers with the flight disruption assistance service to provide a more seamless and flexible experience for travel booked on the CBA Travel portal. The service Terms and Conditions are not intended to constitute an offer to insure, do not constitute insurance or an insurance contract, and do not take the place of insurance obtained or obtainable by you.

10. Travel Credits

10.1. The CBA Travel Sites provided by Hopper may offer, grant, or issue you credit(s) (“Travel Credit”) in connection with the terms applicable to certain free or purchased products (e.g., Price Drop, Best Price Guarantee) that will be available for application toward future purchases on the CBA Travel Sites. Travel Credit may accumulate in your Travel Wallet, accessible in the Travel Wallet section of the CBA Travel Sites, along with other credits or rewards received in connection with other qualified bookings or purchases. The accumulated balance of Travel Credits may only be used for future qualified purchases on the CBA Travel Sites.
10.2. No Cash Value; Non-Transferrable. Travel Credits are not cash or currency, stored value, or account credit, and have no relation to CommBank Yello points. Travel Credits are not exchangeable for cash, not transferable, and have no cash value. Travel Credits are an incentive provided to CBA Travel Site customers for loyalty, award or promotional purposes only and may only be used toward qualifying purchases by you via the CBA Travel Sites.
10.3. Redemption. When you make an eligible booking or purchase via the CBA Travel Site(s), you will be offered an option to select to use the full value of your available Travel Credits to pay all or a portion of your booking or purchase. Travel Credits will be available to use in your account within 5-7 business days of the grant or issuance, but in some cases may take longer. Please contact Hopper support if you are not seeing your Travel Credits in the Travel Wallet section of the CBA Travel Sites.
10.4. Expiration. Travel Credits have a 2-year expiry from the date that the Travel Credit was granted, issued, and/or credited to your CBA Travel account (unless a different time was specified in connection with the offer, grant, or issuance of the Travel Credit). Expiry dates can be viewed in the Travel Wallet found in the Home menu of the CBA Travel Sites. All Travel Credits expire as indicated at issuance or grant, at the cardholder's death, or when the cardholder no longer has an eligible CommBank debit or credit card account, whichever occurs first.
10.5. Additional Restrictions. Travel Credits may not be available for application to purchases of certain third-party travel services. Additional applicable restrictions on the use of any Travel Credit may be disclosed in the Travel Wallet section of the CBA Travel Sites.

11. Intellectual Property

11.1. The CBA Travel Sites downloaded or accessed by you pursuant to these Terms, including without limitation all of the text, images, sound, marks, logos, compilations (meaning the collection, arrangement and assembly of information) and other content contained therein, and all software, source or object code, systems, data, and algorithms embodied in or supporting the CBA Travel Sites, or otherwise used by CBA and/or Hopper to deliver the CBA Travel Sites, and all intellectual property rights therein including without limitation patent, copyright, trademark rights (collectively, the “Site Property”), is the sole and exclusive property of CBA and/or Hopper (as applicable) and/or of third parties provided under license to, or used with permission by, CBA and/or Hopper, and is protected under Australian, United States, Canada, and other federal, local, and international laws. Hopper and CBA reserve all rights in the Site Property, including without limitation copyright, trademark, patent, and trade secret rights, and no rights in such Site Property are granted except as expressly provided herein. You are hereby granted a limited, personal, non-exclusive, non-transferrable, non-sublicensable, and revocable right to access, download, and use the CBA Travel Sites solely for the purposes expressly authorized by these Terms and Conditions, provided that you comply with these Terms and Conditions.
11.2. Trademarks. The respective names, logos, service marks and trademarks of Hopper and CBA are the property of Hopper and CBA, and are protected under the laws of Australia and other countries around the world, and may not be used in connection with any service or products other than those provided by or expressly authorized by CBA and/or Hopper, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits CBA or Hopper. The CBA Travel Sites may also incorporate protected trademarks of third parties, and the use of such trademarks does not constitute an affiliation, endorsement or sponsorship of CBA or Hopper by any third party.
11.3. Third-Party Property. The CBA Travel Sites feature the trademarks, service marks, images, logos, and data of third parties, including those of Hopper’s third-party travel service partners (“Third-Party Property”). Each third-party owner retains all rights in such Third-Party Property. Any use of such Third-Party Property provided or displayed in the CBA Travel Sites, inures solely to the benefit of their respective owners. Hopper’s use of such Third-Party Property does not imply any affiliation or relationship between Hopper and/or CBA and the third party nor any endorsement of Hopper and/or CBA or the CBA Travel Sites by such third party.
11.4. Feedback. You have no obligation to provide Hopper or CBA with ideas, suggestions, recommendations, enhancement requests, testimonials, endorsements, product reviews or information regarding your experience using the CBA Travel Sites (“Feedback”). However, if you submit Feedback to or about CBA or Hopper or the CBA Travel Sites, either directly or indirectly via a third-party review site or a survey initiated by Hopper or CBA, then you grant to CBA and Hopper a non-revocable, non-exclusive, worldwide, royalty-free license that is sub-licensable and transferable, to make, use, reproduce, publicly display, distribute, sell, modify or publicly perform the Feedback in any manner without any obligation, royalty or restriction based on intellectual property rights or otherwise.

12. Limitation of Liability

12.1. Consumer rights under the Australian Consumer Law. If you are a consumer to which the Australian Consumer Law applies, you have certain rights in connection with purchases and bookings made via the CBA Travel Sites, including under the consumer guarantees as described above and throughout these Terms and Conditions. Nothing in these Terms and Conditions or any rules and restrictions limits, excludes or modifies any rights you have that cannot lawfully be limited, excluded or modified. Information about the consumer guarantees is available from the website of the Australian Competition and Consumer Commission.
12.2. Our liability. Hopper operates the CBA Travel Sites, and the Suppliers provide the travel services to you. To the maximum extent permitted by law, Hopper will not be liable for:
- ● any travel services that the Suppliers make available to you;
- ● the acts, errors, omissions, representations, warranties or negligence of any Suppliers, or
- ● for any personal injuries, death, property damage or other damages or expenses resulting from the above.
Subject to the limitations in these Terms and Conditions and the Australian Consumer Law, Hopper shall not be liable for any direct, indirect, punitive, special, incidental or consequential losses or damages arising from:
- ● the travel services
- ● the use of the CBA Travel Sites
- ● any delay or inability to use the CBA Travel Sites, or
- ● the use of links from the CBA Travel Sites,
whether based in negligence, contract, tort, strict liability, consumer protection statutes, or otherwise, and even if the relevant person has been advised of the possibility of such damages, save to the extent that such losses or damages are directly caused by the negligence or actions of Hopper.
If Hopper is found liable for any loss or damage under these Terms and Conditions, then, to the maximum extent permitted by law, Hopper shall only be liable to you for direct damages that were:
- ● reasonably foreseeable by both you and us (or our Suppliers as applicable)
- ● actually suffered or incurred by you, and
- ● directly attributable to our actions or negligence (or the actions or negligence of our Suppliers as applicable),
and in the event of any liability of us, such liability will in no event exceed, in total, the cost paid by you for the travel services in question.
This limitation of liability reflects the allocation of risk between you and Hopper. The limitations specified in this section will survive and apply even if any limited remedy specified in these Terms and Conditions is found to have failed its essential purpose. The limitations of liability provided in these Terms and Conditions inure to the benefit of Hopper.
12.3. Inaccurate Information. The Suppliers provide Hopper with information describing the travel services. This information includes travel service details, photos, rates and any relevant rules and restrictions, etc. We display this information through the CBA Travel Sites. The Suppliers are responsible for ensuring that such information is accurate, complete and up to date. Hopper will not be liable for any inaccuracies in such information (and this also includes property ratings which are intended as guidance only and may not be an official rating), save to the extent that such inaccuracies are caused by our negligence or wilful misconduct. Hopper does not, to the extent permitted by law, make guarantees about the availability of specific travel services. Photos and illustrations on the CBA Travel Sites are provided as a guide to show you the level and type of accommodation only.
12.4. Disclaimer of Warranties. Subject always to your rights under the Australian Consumer Law and any other applicable laws, and except as expressly set out in these Terms and Conditions:
- ● all information, software, or travel services displayed through our CBA Travel Sites are provided without any warranty or condition of any kind, and
- ● Hopper disclaims all such warranties and conditions.
The display of travel services through the CBA Travel Sites is not an endorsement or recommendation of such travel services by Hopper. Hopper disclaims, to the maximum extent permitted by law, all warranties and conditions that the CBA Travel Sites, its servers or any email sent from Hopper are free of viruses or other harmful components.
12.5. Consumer guarantee under the Australian Consumer Law. If you are a consumer under the Australian Consumer Law and the goods and/or services supplied to you are not of a kind ordinarily acquired for personal, domestic or household use or consumption, then the liability of us for failure to comply with a consumer guarantee under the Australian Consumer Law (other than a guarantee under section 51, 52 or 53) is limited to one or more of the following, at our election (as applicable):
- ● in relation to the supply of services: the resupply of the services or the payment of the cost of having the services supplied again; and/or
- ● in relation to the supply of goods: the replacement of the goods or the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or of acquiring equivalent goods, or the payment of the cost of having the goods repaired.
12.6. Force Majeure. Every instance of force majeure, including the interruption of means of communication or a strike (by airlines, properties or air traffic controllers, as applicable), will lead to the suspension of the obligations in these Terms and Conditions that are affected by the force majeure event. In such a case the party affected by the force majeure event will not be liable as a result of the inability to meet such obligations.

13. DISPUTE RESOLUTION

13.1. ARBITRATION AND CLASS ACTION WAIVER. You agree that all claims, disputes, or disagreements that may arise out of the interpretation of or performance under these Terms and Conditions, any payments to Hopper, or otherwise related in any way to your use of CBA Travel, the Sites and/or the content therein, shall be submitted exclusively to binding arbitration, except that each party retains: (i) the right to bring an individual action in small claims court for disputes and actions within the scope of such court’s jurisdiction; and (ii) the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. Arbitration means that an arbitrator and not a judge or jury will decide the claim. Rights to prehearing exchange of information and appeals may also be limited in arbitration. YOU ACKNOWLEDGE AND AGREE THAT YOU AND HOPPER ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY. You further acknowledge and agree that you waive your right to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, unless both you and Hopper otherwise agree in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any class or representative proceeding. If this class action waiver is held unenforceable, then the entirety of this "Dispute Resolution" section will be deemed void. Except as provided in the preceding sentence, this "Dispute Resolution" section will survive any termination of these Terms.
13.2. Arbitration Rules. Any arbitration will be administered by the American Arbitration Association ("AAA"). Except as modified by this “Dispute Resolution” provision, the AAA will administer the arbitration in accordance with either (A) the Commercial Arbitration Rules then in effect, or (B) the Consumer Arbitration Rules then in effect if the matter involves a “consumer agreement” as defined by Consumer Arbitration Rule R-1 (together, the "Applicable AAA Rules"). (The Applicable AAA Rules are available at https://www.adr.org/Rules or by calling the AAA at 1-800-778-7879). The Federal Arbitration Act will govern the interpretation and enforcement of this entire “Dispute Resolution” provision.
13.3. Arbitration Process. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the Applicable AAA Rules. (The AAA provides applicable forms for Demands for Arbitration at https://www.adr.org/sites/default/files/Demand\_for\_Arbitration\_0.pdf (Commercial Arbitration Rules) and https://www.adr.org/sites/default/files/Consumer\_Demand\_for\_Arbitration\_Form\_1.pdf (Consumer Arbitration Rules). The arbitrator will be either a retired judge or an attorney licensed to practice law in the county in which you reside and will be selected in accordance with the Applicable AAA Rules. If the parties are unable to agree upon an arbitrator within fourteen (14) days of the AAA’s notice to the parties of its receipt of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
13.4. Arbitration Location and Procedure. Unless you and Hopper otherwise agree, the arbitration will be conducted in the county where you reside. If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of documents you and Hopper submit to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the Applicable AAA Rules. Subject to the Applicable AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
13.5. Arbitrator's Decision. The arbitrator will render an award within the time frame specified in the Applicable AAA Rules. The arbitrator's decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator's award of damages and/or other relief must be consistent with the terms of the "Limitations of Liability" section above as to the types and the amounts of damages or other relief for which a party may be held liable. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide the relief warranted by the claimant's individual claim. If the arbitrator determines that you are the prevailing party in the arbitration, and only if authorized under applicable law, the arbitrator may award reasonable attorneys' fees and expenses. Hopper will not seek, and hereby waives, all rights Hopper may have under applicable law to recover attorneys' fees and expenses if Hopper prevails in arbitration unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose.
13.6. Fees. Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the Applicable AAA Rules. However, if your claim for damages does not exceed $25,000, Hopper will pay all such fees unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose.
13.7. Changes. Hopper reserves the right to change this "Dispute Resolution" section, but any such changes will not apply to disputes arising before the effective date of such amendment. Notwithstanding the provisions of the modification-related provisions above, if Hopper changes this "Dispute Resolution" section after the date you first accepted the Terms (or accepted any subsequent changes to these Terms), you agree that your continued use of the Sites or Services after such change will be deemed acceptance of those changes. If you do not agree to such change, you may reject any such change by providing Hopper written notice of such rejection by mail or hand delivery to: Hopper, Attn: Legal Department, 265 Franklin Street, Suite 1702, Boston, MA 02110 or by email from the email address associated with your account to: legal@hopper.com, within 30 days of the date such change became effective, as indicated herein. In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to this "Dispute Resolution" section. By rejecting changes, you are agreeing that you will arbitrate any dispute between you and Hopper in accordance with the provisions of this "Dispute Resolution" section as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms, as applicable).

14. Additional Terms.

14.1. These Terms and Conditions constitute the entire agreement of the parties as to its subject matter, and supersede all prior written and oral representations and discussions between the parties. The Terms shall be governed by the laws of Australia without reference to principles of conflicts of laws. No delay or omission by CBA in exercising any of its rights occurring upon any noncompliance or default by you with respect to these Terms will impair any such right or be construed to be a waiver thereof, and a waiver by CBA of any of the covenants, conditions or agreements to be performed by you will not be construed to be a waiver of any succeeding breach thereof or of any other covenant, condition or agreement hereof contained. You may not assign any of your rights arising under these Terms without CBA’s written consent. If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, then these Terms will remain in full force and effect and will be reformed to be valid and enforceable while reflecting the intent of the parties to the greatest extent permitted by law. The provisions of these Terms are entered into for the benefit of CBA and you and there shall be no third-party beneficiaries to these Terms. In the event of a conflict between these Terms and any other CBA agreement, terms, or policy provided to you, directly or indirectly, these Terms shall prevail. CBA may revise these Terms and Conditions at any time by updating this posting.

Date last updated: 1 October 2026

Source: https://help.doordash.com/en-au/legal/article/cx-terms-and-conditions

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Consumer Terms and Conditions

Effective: September 3, 2025

PLEASE READ THESE CONSUMER TERMS AND CONDITIONS CAREFULLY. THESE CONSUMER TERMS AND CONDITIONS (“AGREEMENT,”“TERMS AND CONDITIONS,”or “TERMS”) CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND DOORDASH, AS DEFINED BELOW.

SECTION 14 OF THIS AGREEMENT (WHICH DOES NOT APPLY TO CANADA CONSUMERS RESIDING IN THE PROVINCE OF QUÉBEC) CONTAINS PROVISIONS THAT GOVERN HOW CLAIMS THAT YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED, INCLUDING, WITHOUT LIMITATION, ANY CLAIMS THAT AROSE OR WERE ASSERTED BEFORE THE EFFECTIVE DATE OF THIS AGREEMENT. IN PARTICULAR, SECTION 14 SETS FORTH OUR ARBITRATION AGREEMENT WHICH WILL REQUIRE DISPUTES BETWEEN US TO BE SUBMITTED TO ARBITRATION, WITH LIMITED EXCEPTIONS (FOR EXAMPLE, NEW ZEALAND CONSUMERS ARE GOVERNED BY SECTION 14(c)(iv) OF THIS AGREEMENT, AND UNITED STATES CONSUMERS DO NOT NEED TO ARBITRATE INDIVIDUAL CLAIMS OF SEXUAL HARASSMENT OR SEXUAL ASSAULT IN CONNECTION WITH THEIR USE OF THE SERVICES). UNLESS YOU OPT OUT OF THE ARBITRATION AGREEMENT AND TO THE EXTENT PERMITTED BY APPLICABLE LAW: (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AND SEEK RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING (EXCEPT FOR AUSTRALIA CONSUMERS); AND (2) YOU ARE WAIVING YOUR RIGHT TO SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL ON YOUR CLAIMS. THE ARBITRATION AGREEMENT COULD AFFECT YOUR RIGHT TO PARTICIPATE IN PENDING OR PROPOSED CLASS ACTION LITIGATION.

IN ADDITION:

SECTION 4 OF THIS AGREEMENT REQUIRES YOU TO CONSENT TO OUR PRIVACY POLICY.
SECTION 8 OF THIS AGREEMENT CONTAINS PROVISIONS RELATING TO OUR USE OF CERTAIN USER CONTENT.
SECTION 13 OF THIS AGREEMENT CONTAINS PROVISIONS RELATING TO DASHPASS.
SECTION 20 OF THIS AGREEMENT CONTAINS PROVISIONS WHICH LIMIT OUR LIABILITY TO YOU.
YOU MAY ONLY USE THE SERVICES IF YOU ARE 18 YEARS OF AGE OR OLDER AND ARE OF LEGAL AGE IN THE JURISDICTION IN WHICH YOU RESIDE TO FORM A BINDING CONTRACT WITH DOORDASH.

TABLE OF CONTENTS

Application of this Agreement
Acceptance of this Agreement
Modifications
Additional Terms and Policies
Rules and Prohibitions
Contractors and Merchants Are Independent
User Account
User Content
Communications with DoorDash
Electronic Records
Intellectual Property Ownership
Payment Terms
DashPass Subscriptions
Arbitration Agreement
Third-Party Interactions
Transactions Involving Alcohol and Other Age-Restricted Products
Indemnification
Disclaimer of Warranties
Internet Delays
Breach and Limitation of Liability
Exclusive Venue
Termination
Procedure for Making Claims of Copyright Infringement
Consumer Marketing Text Messages (United States Consumers Only)
General
Contact Information

1. Application of this Agreement

This Agreement governs your access to and use of the Technology and Services (each as defined below) and is between you and DoorDash. “DoorDash,” “we,” “us,” and “our” mean DoorDash, Inc., a Nevada corporation, and its subsidiaries and affiliated companies, including, without limitation, the entities listed in the remainder of this paragraph. With respect to United States Orders (as defined below), these Terms and Conditions constitute a legal agreement between you and DoorDash, Inc. and/or its subsidiaries and affiliated companies, including DoorDash G&C, LLC (depending on the Merchant, as defined below). With respect to Australia Orders (as defined below), these Terms and Conditions constitute a legal agreement between you and DoorDash Technologies Australia Pty Ltd ACN 634 446 030 and/or its subsidiaries and affiliated companies. With respect to Canada Orders (as defined below), these Terms and Conditions constitute a legal agreement between you and DoorDash Technologies Canada, Inc. and/or its subsidiaries and affiliated companies. With respect to New Zealand Orders (as defined below), these Terms and Conditions constitute a legal agreement between you and DoorDash Technologies New Zealand NZCN 8252064, a New Zealand company, and/or its subsidiaries and affiliated companies. With respect to Puerto Rico Orders (as defined below), these Terms and Conditions constitute a legal agreement between you and DoorDash Technologies Puerto Rico, LLC and/or its subsidiaries and affiliated companies.

Certain provisions of this Agreement apply based on the country of your primary residence or the country in which you have selected a delivery or pickup address, and such provisions are designated as such using one or more of the following definitions:

“Australia Consumer” means your primary residence is in Australia.
“Australia Order” means you have selected a delivery or pickup address in Australia.
“Canada Consumer” means your primary residence is in Canada.
“Canada Order” means you have selected a delivery or pickup address in Canada.
“New Zealand Consumer” means your primary residence is in New Zealand.
“New Zealand Order” means you have selected a delivery or pickup address in New Zealand.
“Puerto Rico Order” means you have selected a delivery or pickup address in Puerto Rico, a United States territory.
“United States Consumer” means your primary residence is in the United States, including Puerto Rico, a United States territory.
“United States Order” means you have selected a delivery or pickup address in the United States, including Puerto Rico, a United States territory (except as otherwise noted).

2. Acceptance of this Agreement

DoorDash operates an online marketplace and connection platform to (a) broker the exchange of goods and services among you and other consumers, restaurants and other businesses (“Merchants”), and independent third-party contractors who provide delivery and/or other services (“Contractors”); and (b) provide you with access to information on the Services. DoorDash’s Technology permits consumers to place orders for food and/or other goods from Merchants, either for delivery or pickup, and/or request services from Merchants. If a delivery order is made, DoorDash uses the Technology to notify Contractors (or, for certain orders, Merchants) that a delivery opportunity is available and to facilitate completion of the delivery to the consumer. If a pickup order is made, DoorDash uses the Technology to communicate with the consumer regarding the availability of the order for pickup. DoorDash is not a merchant, retailer, restaurant, grocer, delivery service, or food preparation business (except as otherwise specified in Section 6 below).

If you access any of our websites located at www.doordash.com and www.trycaviar.com, install or use the DoorDash or Caviar mobile application, install or use any other technology supplied by DoorDash (collectively, the “Technology”), access or use any information, function, feature, or service made available or enabled by DoorDash (collectively, the “Services,” which includes the Technology), click or tap a button or take similar action to signify your affirmative acceptance of this Agreement, or complete the DoorDash account registration process, you, your heirs, assigns, and successors (collectively, “you” or “your”) hereby represent and warrant that: (a) you have read, understand, and agree to be bound by this Agreement and any future amendments and additions to this Agreement as published from time to time at www.doordash.com/terms/ or through the Technology; (b) you are of legal age in the jurisdiction in which you reside to form a binding contract with DoorDash; and (c) you have the authority to enter into the Agreement personally and, if applicable, on behalf of any organization for whom you have created an account or been named as the User during the DoorDash account registration process and to bind such organization to the Agreement.

The specific Services or information available to you may vary based on the delivery or pickup address that you have selected. A certain function, feature, or Service (y) available to one User may not be available to all Users or at all times, and (z) may only be available in the latest version of the DoorDash or Caviar mobile application. “User” means any individual or other person who accesses or uses the Services with or without an account (whether directly or through tools, services, or other means), including, without limitation, any organization that registers an account or otherwise accesses or uses the Services through its respective employees, agents, or representatives. Except as otherwise provided in this Agreement, if you do not agree to be bound by the Agreement, you may not access or use the Services.

3. Modifications

Subject to Section 14(k) of this Agreement, DoorDash reserves the right to modify the terms and conditions of this Agreement or its policies relating to the Technology or Services at any time, effective upon posting an updated version of this Agreement at www.doordash.com/terms/ or through the Technology. If we make any material changes to this Agreement, we will notify you by email at the email address that you have provided to us or by another means. You should regularly review this Agreement, as your continued use of the Services after any such changes constitutes your agreement to such changes. If you do not agree to this Agreement or any modifications to this Agreement, you should immediately cease using the Technology and Services.

4. Additional Terms and Policies

By using or accessing the Services, you agree to be bound by this Agreement and acknowledge and agree to the collection, use, and disclosure of your personal information in accordance with DoorDash’s Privacy Policy, which is incorporated in this Agreement by reference. You also agree to abide by any additional DoorDash terms or policies for Users that are published on our website or mobile application, whether or not such terms or policies are directly referenced or linked elsewhere in this Agreement. Certain features of our Services may be subject to additional terms and conditions, which, to the extent permitted by applicable law, are incorporated herein by reference.

If you use the DoorDash Developer Portal, you also accept and agree to be bound by the Developer Portal Technology License & Terms of Use (“Developer Portal Terms”) when using the Developer Portal. If there’s any conflict between the Developer Portal Terms and this Agreement, the Developer Portal Terms shall control to the extent related to the Developer Portal.

5. Rules and Prohibitions

Without limiting other rules and prohibitions in this Agreement, by using or accessing the Services (whether or not you have created an account or are logged into an account), you agree that:

(a) You will only use or access the Services for lawful purposes and you will not use or attempt to use the Services under false pretenses or for sending or storing any unlawful material or for deceptive or fraudulent purposes.

(b) You will only use or access the Services in accordance with all applicable laws, including copyrights, trade secrets, other intellectual property rights, or other rights of any third party, including privacy, personality, or publicity rights.

(c) You will only use or access the Services using means explicitly authorized by DoorDash. If applicable, it is your responsibility to ensure you download the correct Technology for your device. We are not liable if you do not have a compatible device or if you have downloaded the wrong version of the Technology for your device. We reserve the right to terminate your use of the Technology and/or Services if you are using the Technology or Services with an incompatible or unauthorized device.

(d) You will not use or attempt to use another User’s account, impersonate any person or entity, or forge or manipulate headers or identifiers to disguise the origin of any content transmitted through the Services.

(e) You will not use or attempt to use the Services to cause nuisance, annoyance, or inconvenience.

(f) You will not use or attempt to use the Services, or any content accessible through the Services (including content accessible without being logged into your account), for any commercial purpose, including but not limited to contacting, advertising to, soliciting, or selling to any Merchant, User, or Contractor, unless DoorDash has given you prior permission to do so in writing.

(g) You will not use or attempt to use the Services or content accessible through the Services without DoorDash's prior written consent in connection with the development of any software program, including, but not limited to, training a machine learning or artificial intelligence (AI) system or providing archived or cached data sets containing content accessible through the Services to another person or entity.

(h) You will not copy or distribute, or attempt to copy or distribute, the Technology or any content displayed through the Services, including any reviews or Merchants’ menu content or catalogs, for republication in any format or media.

(i) You will not directly or indirectly create or compile, or attempt to create or compile, any content or collection, compilation, or other directory from any content displayed through the Services except for your personal, noncommercial use.

(j) The information you provide to us when you register an account or otherwise communicate with us is accurate, you will promptly notify us of any changes to such information, and you will provide us with whatever proof of identity we may reasonably request.

(k) You will keep secure and confidential your account password and any other login or identification credentials you use to access the Services.

(l) You will use the Technology and Services only for your own use and will not directly or indirectly resell, license, or transfer the Technology, Services, or content displayed through the Services (including content accessible without being logged into your account) to a third party.

(m) You will not use or attempt to use the Services in any way that could damage, disable, overburden, or impair any DoorDash server or the networks connected to any DoorDash server.

(n) You will not attempt to gain unauthorized access to any part of the Technology or the Services and/or to any account, resource, computer system, and/or network connected to any DoorDash server.

(o) You will not probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures DoorDash may use to prevent or restrict access to the Services or use of the Services or the content therein, and you will not attempt any of the foregoing.

(p) You will not use, access, or collect content, data, information, or materials published or available on the Services—including, but not limited to, text, photographs, images, illustrations, designs, audio clips, video clips, “look and feel,” metadata, data, or compilations—using automated means unless DoorDash has given you prior permission to do so in writing.

(q) You will not deep-link to our websites or access our websites manually or with any robot, spider, script, web crawler, extraction software, automated process, service, tool, and/or device to scrape, copy, index, frame, or monitor any portion of our Services or websites or any content on or available through our Services or websites, and you will not attempt any of the foregoing.

(r) You will not scrape or otherwise conduct any systematic retrieval of data or other content from the Services (including content accessible without being logged into your account), and you will not attempt any of the foregoing.

(s) You will not engage in conduct that harms, attempts to harm, or threatens the safety of other Users, Merchants, Contractors, DoorDash, DoorDash employees, or our community in any way whatsoever, and you will take reasonable steps to prevent the foregoing.

(t) You will not engage in threatening, harassing, racist, or sexist behavior or any other behavior that DoorDash deems inappropriate when using the Services, and you agree to follow the DoorDash Community Guidelines, which are, to the extent permitted by applicable law, incorporated in this Agreement by reference.

(u) You will report any errors, bugs, unauthorized access methodologies, or any breach of our intellectual property rights that you uncover in your use of the Services.

(v) You will not abuse or attempt to abuse our promotional or credit code system, including by redeeming multiple coupons at once or by opening multiple accounts to benefit from offers available only to first-time Users.

(w) Your participation in using and access to the Services is for your sole, personal, or internal business use.

(x) You will not falsely or fraudulently claim that your order or items from your order were missing, incorrect, of poor quality, defective, or never delivered and you will return any order mistakenly delivered to you if requested by DoorDash, a Merchant, or a Contractor.

(y) You will not falsely or fraudulently dispute a credit or debit card charge or initiate or request a chargeback with respect to any charge from DoorDash or related to your use of the DoorDash platform.

(z) You will not, in connection with your use of the Services and/or the DoorDash platform: (i) ask a Contractor to purchase or deliver any goods or perform any services not ordered through the DoorDash platform; or (ii) give or offer to give any goods to a Contractor related to your DoorDash order.

In the event that we believe or determine that you have breached any of the aforementioned or any other provision of these Terms, we reserve the right to suspend and/or permanently deactivate your account or take other appropriate action at our sole discretion. Where required by law, which may include in the Province of Québec, we will provide you with written notice of the suspension or deactivation of your account, including the reasons which led us to take such action. Engaging in any prohibited use of the Services may result in criminal, civil, and/or administrative penalties, fines, or sanctions against the User and those assisting the User.

6. Contractors and Merchants Are Independent

(a) You understand and agree that DoorDash provides the Services to connect you with independent Merchants that provide the products and services offered through the Services, and independent third-party Contractors who provide delivery and other services. You acknowledge and agree that DoorDash is not a merchant, retailer, restaurant, grocer, pharmacy, chemist, delivery service, or food preparation business, and has no responsibility or liability for the acts or omissions of any Merchant or any Contractor. Merchants are the retailers of the products or services offered through the Services. DoorDash is not in the delivery business, does not provide delivery services, and is not a common carrier. DoorDash provides the Services to facilitate the transmission of orders by Users to Merchants, including orders for pickup or delivery by Contractors and/or Merchants. Any delivery, pickup, or preparation times displayed through the Services are purely estimates and do not represent a promise, commitment, or guarantee by DoorDash. DoorDash will not assess or guarantee the suitability, legality, or ability of any Contractor or Merchant. You agree that DoorDash is not responsible for Merchants’ food preparation or product offerings, food or product handling, or the safety of the food or other products, or whether the photographs, images, videos, menu or product listings, catalog, item descriptions, or other menu, product, or catalog information (including nutrition, ingredient, and/or allergen information) displayed through the Services accurately reflect the goods and services sold by Merchants and/or delivered by the Contractor and/or Merchant, and does not verify Merchants’ compliance with applicable laws or regulations. You also acknowledge and agree that menu, product, or catalog listings, descriptions, or other information (including videos, photographs, or images, or nutrition, ingredient, and/or allergen information) displayed through the Services may not have been provided directly by the Merchant and/or may have been generated or enhanced with the assistance of artificial intelligence. DoorDash has no responsibility or liability for acts or omissions by any Merchant or Contractor. You agree that the goods that you purchase will be prepared by the Merchant you have selected, that title to the goods passes from the Merchant to you at the Merchant’s location, and that, for delivery orders, the Contractor and/or Merchant will be directed by your instructions to transport the products to your designated delivery location. You agree that neither the Contractor nor DoorDash holds title to or acquires any ownership interest in any goods that you order through the Services. You must not do anything which seeks to create an encumbrance, lien, charge, or other interest in or over the goods that you order until title has passed to you.

(b) Notwithstanding Section 6(a):

(i) United States Orders. For United States Orders placed through the Services with DoorDash Essentials, LLC (dba DashMart or other brands), DoorDash Essentials, LLC is the Merchant and is therefore the retailer of the goods sold. DoorDash Essentials, LLC is a subsidiary of DoorDash, Inc. and is a Merchant listed on the Services.

(ii) Canada Orders. For Canada Orders placed through the Services with Rapid Retail Canada, Inc. (dba DashMart or other brands), Rapid Retail Canada, Inc. is the Merchant and is therefore the retailer of the goods sold. Rapid Retail Canada, Inc. is an affiliate of DoorDash Technologies Canada, Inc. and is a Merchant listed on the Services.

(iii) Gift Cards. For any closed-loop gift cards, open-loop gift or other prepaid cards, and DoorDash credits sold through the Services in the United States by DoorDash Giftcards LLC, DoorDash Giftcards LLC is the Merchant and is therefore the retailer of the cards and credits sold. DoorDash Giftcards LLC is a subsidiary of DoorDash, Inc.

7. User Account

You may be required to register for an account to use parts of the Services. You must provide accurate, current, and complete information during the registration process and at all other times when you use the Services, and to update the information to keep it accurate, current, and complete. You are the sole authorized User of any account you create through the Services. You are solely and fully responsible for all activities that occur under your password or account or through your device. You agree that you shall monitor your account to prevent use by minors, and you will accept full responsibility for any unauthorized use of your password or your account. You may not authorize others to use your User account, and you may not assign or otherwise transfer your User account to any other person or entity. Should you suspect that any unauthorized party may be using your password or account, you will notify DoorDash immediately. DoorDash will not be liable, and you may be liable, for losses, damages, liability, expenses, and fees incurred by DoorDash or a third party arising from someone else using your account; however, if you are a Canada Consumer who resides in the Province of Québec, the foregoing does not limit DoorDash’s liability for the consequences of its own acts or the acts of its representatives. If you provide any information that is untrue, inaccurate, not current, or incomplete, or if DoorDash has reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, DoorDash has the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof). We may enable or require you to use a single set of login credentials to use the DoorDash and/or Caviar services. You agree not to create an account or use the Services if you have been previously removed from the DoorDash platform by DoorDash or if you have been previously banned from use of the Services.

8. User Content

(a) User Content. DoorDash may provide you with interactive opportunities through the Services, including, by way of example, the ability to post content on the DoorDash platform or otherwise provide to DoorDash Ratings and Reviews (each as defined below), Feedback (as defined below), or other text, photos, images, or audio and video content (collectively, “User Content”). You represent and warrant that you are the owner of, or otherwise have the right to provide, all User Content that you submit, post, and/or otherwise transmit through the Services. You further represent and warrant that any User Content submitted, posted, and/or otherwise transmitted through the Services by you or someone on your behalf or through your User account does not (i) violate any third-party right, including any copyright, trademark, patent, trade secret, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) contain material that is false, intentionally misleading, deceptive, defamatory, offensive, abusive, or pornographic, including material that racially or religiously vilifies, incites violence or hatred, or is likely to insult or humiliate others based on race, religion, ethnicity, gender, age, sexual orientation, or any physical or mental disability; (iii) contain sexually explicit or violent content or photos, images, or videos of weapons, illegal drugs, or hate symbols; (iv) contain any material that is unlawful or relates to unlawful conduct (including phishing and spoofing); (v) create a privacy or security risk to any person, including by soliciting personal information from any person, or contain any confidential, sensitive, private, or personally identifiable information; (vi) solicit money from any person; (vii) contain financial, legal, medical, or other professional advice; (viii) harm, abuse, harass, stalk, threaten, or otherwise offend; (ix) reflect negatively on DoorDash, including DoorDash’s goodwill, name, and reputation; (x) tamper with, hinder the operation of, or make unauthorized modifications to our websites or Technology; (xi) otherwise result in civil or criminal liability for you, DoorDash, or any third party; (xii) violate any law or regulation; or (xiii) violate this Agreement or any community or content guidelines that DoorDash may publish from time to time (including but not limited to our Content Guidelines). You hereby grant DoorDash (including DoorDash’s service providers) a perpetual, irrevocable, transferable, fully paid, royalty-free, non-exclusive, worldwide, fully sublicensable right and license to use, copy, display, publish, modify, remove, publicly perform, translate, create derivative works from, distribute, and/or otherwise use the User Content in connection with DoorDash’s business and in all forms now known or hereafter invented (collectively, “Uses”), without notification to and/or approval by you. You further grant DoorDash a license to use your username, first name and last initial, profile photo (if available), and/or other User profile information, including, without limitation, your ratings history, to attribute User Content to you in connection with such Uses, without notification to or approval by you. You acknowledge, however, that DoorDash has no obligation to attribute any User Content to you in connection with any Use. You agree that this license includes the right for other Users to access and use your User Content in conjunction with participation in the Services and as permitted through the functionality of the Services. In the interest of clarity, the license granted to DoorDash herein shall survive termination of the Services or your account. DoorDash reserves the right in its sole discretion to remove or disable access to any User Content from the Services, suspend or terminate your account at any time, or pursue any other remedy or relief available under equity or law if you post any User Content that violates this Agreement or any community or content guidelines we may publish or that we consider to be objectionable for any reason. You agree that DoorDash may monitor and/or delete your User Content (but does not assume the obligation to do so) or may decide to not publish, display, or otherwise make available your User Content for any reason at DoorDash’s sole discretion. DoorDash may also access, read, preserve, and disclose any information as DoorDash reasonably believes is necessary to satisfy any applicable law, regulation, legal process, or governmental request; enforce this Agreement, including investigation of potential violations hereof; detect, prevent, or otherwise address fraud, security, or technical issues; respond to User, Contractor, or Merchant support requests; or protect the rights, property, or safety of DoorDash, our Users, and the public. We may aggregate your publicly viewable User Content and certain other information about you onto a User profile viewable by anyone, which you can choose to make public (meaning your publicly viewable User Content will be displayed on your profile) or restricted (meaning only certain information about you and your User Content will be displayed on your profile, such as the number of Reviews and photos you’ve submitted but not their contents).

(b) Feedback. You agree that any submission of any ideas, suggestions, and/or proposals to DoorDash through its suggestion, feedback, wiki, forum, or similar pages (“Feedback,” which is considered User Content) is at your own risk and that DoorDash has no obligations (including, without limitation, obligations of confidentiality) with respect to such Feedback. You represent and warrant that you have all rights necessary to submit the Feedback and you hereby grant to DoorDash (including DoorDash’s service providers) a perpetual, irrevocable, transferable, fully paid, royalty-free, non-exclusive, worldwide, fully sublicensable right and license to use, copy, display, publish, modify, remove, publicly perform, translate, create derivative works from, distribute, and/or otherwise use such Feedback.

(c) Ratings and Reviews. To the extent that you rate or post reviews of Merchants or other businesses, which may include but is not limited to text, photos, images, audio, or videos that you provide (“Ratings” and “Reviews”), such Ratings and Reviews are considered User Content and are governed by this Agreement. For the avoidance of doubt, a Review includes any photo or video you submit that expresses an opinion about a Merchant or business regardless of the purpose for which you submit the photo or video. Ratings and Reviews are not endorsed by DoorDash and do not represent the views of DoorDash or its affiliates. DoorDash shall have no liability for Ratings and Reviews or for any claims of economic loss resulting from such Ratings and Reviews. Because we strive to maintain a high level of integrity with respect to Ratings and Reviews posted or otherwise made available through the Services, you acknowledge and agree that: (i) your Rating or Review will reflect your honest and truthful opinion and will be based on first-hand experience with the Merchant or business; (ii) you will not provide a Rating or Review for any Merchant or business for which you have an ownership interest, employment relationship, or other affiliation or for any competitor of such a Merchant or business; (iii) you will not submit a Rating or Review in exchange for payment, free food items, or other benefits from a Merchant or business; (iv) for United States Orders, any Rating or Review you submit will comply with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising; (v) for Canada Orders, any Rating or Review you submit will comply with the Competition Bureau’s Enforcement Guidelines and Advertising Standards Canada's Interpretation Guideline for Testimonials, Endorsements and Reviews; (vi) your Rating or Review will comply with the terms of this Agreement; (vii) we may decide to not publish, display, or otherwise make available your Rating or Review for any reason in our sole discretion; (viii) any Rating or Review you submit will comply with our Content Guidelines; (ix) a Rating, Review, or photo displayed in connection with a restaurant may reflect an in-person dining experience; and (x) a Rating, Review, or photo may not have originally been submitted on the DoorDash platform and/or may not have been submitted by a DoorDash customer. If we determine, in our sole discretion, that any Rating or Review could diminish the integrity of the Ratings and Reviews or otherwise violates this Agreement, we may remove such Rating or Review without notice and take any additional action, in DoorDash’s sole discretion, as we deem necessary or appropriate. We may create summaries of written Reviews using artificial intelligence or other means and display such summaries.

9. Communications with DoorDash

By creating a DoorDash account or using the Technology or Services, you agree to: (a) accept and receive communications from or on behalf of DoorDash, Contractors, Merchants, partners, and/or third parties providing services to you or DoorDash, including via email, text message, direct message, chat, and calls, to the contact information you provide to DoorDash when registering an account or using the Technology or Services; and (b) receive communications via push notification or in-app messages in the DoorDash or Caviar mobile application. Further, you understand and agree that you may receive communications (e.g., calls, text messages, etc.) that are generated by an automatic telephone dialing system, and/or which will deliver prerecorded or automated messages, sent by or on behalf of DoorDash and Merchants (e.g., Merchants facilitating the delivery of your order), including but not limited to communications concerning orders you place through your account on the Services. For clarification, you acknowledge and agree that you will receive communications from Contractors who are facilitating your receipt of the benefit of the Services (including multimedia messaging service (“MMS”) messages to confirm the delivery of your order). Message and data rates may apply and message frequency may vary. The communications in this Section 9 may include, without limitation, commercial or marketing messages (see Section 24 for information about consumer marketing text messages), transactional or relationship messages (e.g., messages about the availability of our services (e.g., interruptions in service), security and/or fraud (e.g., password reset messages), safety, responses to communications initiated by you, updates to policies/legal agreements (e.g., privacy policies, terms of service)), newsletters, and messages relating to research, political advocacy, or customer support (those initiated by you and by us). You acknowledge that receiving commercial or marketing messages or calls is not a requirement or condition for you to use the Services. For purposes of clarity, any message (including text message) or call you may receive from us, a Merchant, or a Contractor regarding an order is a transactional message, not a commercial, marketing, or promotional message or call. If there are changes to your contact information (e.g., email address, phone number), you agree to update your account to help prevent or limit DoorDash inadvertently communicating with someone else.

The opt-out options for communications are set out below. If you opt out of receiving communications via one channel, that opt out will only apply to the specific channel for which the opt out is submitted (e.g., if you opt out of receiving email communications, it will not apply to any other channels through which communications can be sent). Please see the following for more information:

For email communications that permit opting out (e.g., commercial/marketing messages), there is an opt-out mechanism in the messages. For transactional or relationship email messages, the only opt-out option is to delete your account.
To opt out of receiving transactional or relationship text messages (e.g., order updates), you can: (x) toggle or slide off this type of message in your account settings; (y) reply “STOP” to a text message you receive; or (z) send “STOP” to 87424. For MMS messages sent by Contractors to confirm the delivery of your order, you cannot opt out of receiving these messages unless you stop using the Services and delete your account.
For phone calls, you can submit a request to be added to DoorDash’s internal do not call list by making the request during the call or contacting DoorDash Support at (855) 431-0459.
For push notifications, you can toggle or slide off these notifications in the mobile application.
To opt out of all communications, the only option is to delete your account.

Review the DoorDash Privacy Policy for more information about DoorDash’s privacy practices, contact information, and opt-out options.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to DoorDash or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

10. Electronic Records

By creating a DoorDash account or using the Technology or Services, you consent to the use of electronic records. You also agree that all terms and conditions, agreements, notices, disclosures, and other communications that DoorDash provides to you electronically satisfy any legal requirement for such communications to be in writing. You agree to keep your contact information, including email address, current. This paragraph does not affect your statutory rights.

To view and retain a copy of this Agreement, you will need (a) a device (such as a computer or mobile phone) with a web browser and Internet access, and (b) either a printer or storage space on such device.

11. Intellectual Property Ownership

DoorDash alone (and its licensors, where applicable) shall own all right, title, and interest, including all related intellectual property rights, in and to the Technology and the Services. This Agreement is not a sale and does not convey to you any rights of ownership in or related to the Technology or the Services, or any intellectual property rights owned by DoorDash. DoorDash names, DoorDash logos, and the product names associated with the Technology and Services are trademarks of DoorDash or third parties, and no right or license is granted to use them. You agree that you will not remove, alter, or obscure any copyright, trademark, service mark, or other proprietary rights notices incorporated in or accompanying the Technology or the Services.

12. Payment Terms

(a) Prices and Charges. You understand that: (i) the prices for menu or other items displayed through the Services may differ from the prices offered or published by Merchants for the same menu or other items and/or from prices available at third-party websites and that such prices may not be the lowest prices at which the menu or other items are sold and may change at any time without notice; (ii) DoorDash has no obligation to itemize its costs, profits, or margins when publishing such prices; and (iii) pricing may change at any time, in the discretion of DoorDash or the Merchant (depending on which party sets the given price). For certain transactions, the subtotals shown at checkout are estimates that may be higher or lower depending on the final in-store totals. In those situations, DoorDash reserves the right to temporarily authorize or place a hold on your payment method for an amount that may be greater than the amount shown at checkout and to charge your payment method the final price after checkout. You are liable for all transaction taxes (other than taxes based on DoorDash’s income), including sales tax, use tax, goods and services tax, and other transaction taxes if applicable, on the Services provided under this Agreement (which, for the avoidance of doubt, includes any fees DoorDash charges for DashPass subscriptions). If transaction taxes, including sales tax, use tax, goods and services tax, and other transaction taxes, are applicable, DoorDash reserves the right to charge you additional amounts on account of such taxes. For Australia and New Zealand Orders, all dollar amounts (including any fees, charges, prices, or amounts payable or receivable) displayed through the Services are stated on a goods and services tax-inclusive (if any) basis, except where noted; goods and services tax will be payable in addition to and at the same time as any amounts payable under these Terms. In the event that the charge to your payment method may incorrectly differ from the total amount, including subtotal, fees, and gratuity, displayed to you at checkout and/or after gratuity is selected, DoorDash reserves the right to make an additional charge to your payment method after the initial charge so that the total amount charged is consistent with the total amount displayed to you at checkout and/or after gratuity is selected. If gratuity is displayed as a percentage, such percentage may be based on the subtotal before the application of any discounts, promotional offers, or credits. All payments will be processed by DoorDash and/or its payments processor, using the preferred payment method designated in your account. If your payment details change, you or your card provider may provide us with updated payment details. We may use these new details or details from other payment methods on file in order to help prevent any interruption to your use of the Services. This includes our right to charge any payment method on file if your initial form of preferred payment fails. It is your responsibility to keep your billing information up to date.

(b) Strikethrough Pricing (United States Orders). This Section 12(b) applies to United States Orders. DoorDash may use strikethrough pricing for certain items (for example, when presenting a discount or promotional price for items). DoorDash does not represent that the strikethrough price was the regular or former price of items for any particular period of time and the time period may vary widely depending on the items. DoorDash may also rely on Merchants or a third party to provide information about the regular or former price of items offered by those Merchants or a third party, and DoorDash’s strikethrough price therefore may represent the price that DoorDash, a Merchant, or a third party offered the item for sale for some period of time. The strikethrough price may also be an introductory price that was offered for a short period of time. Unless otherwise specified, the strikethrough price represents a non-member discount to the extent the Merchant has a membership program.

(i) United States, Canada, and New Zealand Orders. This Section 12(c)(i) applies to United States, Canada, and New Zealand Orders. Charges paid by you for completed and delivered orders, or for orders confirmed by a Merchant, are final and non-refundable. DoorDash has no obligation to provide refunds or credits but may grant them gratuitously at DoorDash’s sole discretion in each case (including, for example, in the form of Gratuitous Credits as defined below). You may be required to provide identification information and/or a signature upon pick up and/or receipt of certain orders, as communicated at the time you place your order; if you fail to provide the required identification information or signature for such an order, you agree and acknowledge that we will not honor any claim that your order was not delivered and you may be subject to a non-refundable Undeliverable Item Fee. For New Zealand Orders, nothing in this Section 12(c)(i) takes away from any rights you may have under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986.

(ii) Australia Orders. This Section 12(c)(ii) applies to Australia Orders. For orders placed with Merchants, to the extent permitted by law: (A) charges paid by you for completed and delivered orders are final and DoorDash has no obligation to provide refunds or credits; and (B) you may be required to provide identification information and/or a signature upon pick up and/or receipt of certain orders, as communicated at the time you place your order; if you fail to provide the required identification information or signature for such an order, you agree and acknowledge that we will not honor any claim that your order was not delivered and you may be subject to a non-refundable Undeliverable Item Fee. Nothing in this clause takes away from any rights you may have under the Australian Consumer Law. The Merchant will be liable for any major or minor problems with Merchant orders for which they are responsible, though DoorDash may assist, at its sole discretion, with remedies such as refunds or credits.

In order to make a claim for a refund or credit, please follow the procedures set out in the Technology or Services.

(d) Promotional Offers. DoorDash, at its sole discretion, may make promotional offers with different features and different pricing to any User. These promotional offers are subject to the terms of this Agreement and may be valid only for certain Users as indicated in the offer. You agree that promotional offers: (i) may only be used by the intended audience, for the intended purpose, and in a lawful manner; (ii) may not be duplicated, sold, or transferred in any manner, or made available to the general public, unless expressly permitted by DoorDash; (iii) are subject to the specific terms that DoorDash establishes for such promotional offer; (iv) cannot be redeemed for cash or cash equivalent; and (v) are not valid for use after the date indicated in the offer or in DoorDash’s Promotional Offers and Credits Terms and Conditions, which is, to the extent permitted by applicable law, incorporated in this Agreement by reference. DoorDash reserves the right to withhold or deduct credits or benefits obtained through a promotion, or to charge additional amounts that would have applied to the transaction had the promotion not applied, in the event that DoorDash determines or believes on reasonable grounds that the redemption of the promotion or receipt of the credit or benefit was in error, fraudulent, illegal, or in violation of the applicable promotion terms or this Agreement. Where required by law, which may include in the Province of Québec, we will provide you with written notice of any such withholding or deduction, including the reasons which led us to take such action. DoorDash reserves the right to modify or cancel an offer at any time. DoorDash’s Promotional Offers and Credits Terms and Conditions apply to all promotional offers. You agree that we may change the Promotional Offers and Credits Terms and Conditions at any time.

(e) DoorDash Credits. DoorDash may offer, provide, or make available to you credits that can be used for the Services. Credits may not be redeemed for cash or cash equivalent except when required by applicable law. You may lose the ability to use your credits if your account is deactivated or deleted. Credits issued to a User’s DoorDash or Caviar account may only be used on that respective brand’s Services. Credits may be subject to additional or different terms stated at the time of issuance. Some credits are gratuitous, which means they are subject to expiration and are valid for six (6) months from the date of issue unless otherwise stated at the time of issuance or prohibited under applicable law (“Gratuitous Credits”). Gratuitous Credits may expire earlier than originally stated if your account is deactivated or deleted. Upon expiration, Gratuitous Credits will be removed from your account and will no longer be redeemable or usable towards any order. Gratuitous Credits may include, without limitation, promotional credits (which are governed by DoorDash’s Promotional Offers and Credits Terms and Conditions), some types of customer support credits, and credits earned through the DoorDash consumer referral program (which is governed by DoorDash’s Referral Program Terms and Conditions and which are incorporated herein by reference)

(f) Fees for Services. DoorDash may change the fees that DoorDash charges you as we deem necessary or appropriate for our business, including but not limited to Delivery Fees, Service Fees, Small Order Fees, Expanded Range Fees, Regulatory Response Fees, and Surge Fees. DoorDash may offer different pricing to customers based on a variety of factors, including but not limited to geographic areas or usage. DoorDash may also charge you additional fees as required by law. Further, DoorDash may charge Merchants fees on orders that you place through the Services, including commissions and other fees, and may change those Merchant fees as we deem necessary or appropriate for our business or to comply with applicable law. DoorDash may charge you a Service Fee for the convenience of ordering through the DoorDash platform. None of the Service Fee, Delivery Fee, Small Order Fee, Surge Fee, or any other fee charged to you by DoorDash is for any right to access, install, or use any Technology.

(g) Gift Cards and Purchased Credits. DoorDash gift cards and credits purchased by customers from DoorDash (“Purchased Credits”) are governed by DoorDash’s Gift Card Terms and Conditions and Purchased Credits Terms and Conditions, respectively, both of which are incorporated herein by reference. Except as provided below, gift cards and Purchased Credits may be redeemable towards eligible orders placed on www.doordash.com or in the DoorDash mobile application or, for United States Orders only, on www.trycaviar.com or in the Caviar mobile application. Gift cards are issued by the following entities: DoorDash Giftcards LLC in the United States; DoorDash Technologies Canada, Inc. in Canada; DoorDash Technologies Pty Ltd in Australia; and DoorDash Technologies New Zealand in New Zealand. Purchased Credits are issued by DoorDash Giftcards LLC. Gift cards and Purchased Credits are not redeemable for cash except when required by applicable law. Once a gift card is redeemed, the amount of the gift card is converted into credits linked to your account, and such credits may be used towards eligible DoorDash or, if applicable, Caviar orders. While credits from gift cards and Purchased Credits do not expire, you will lose access to such credits if your account is deactivated or deleted. Credits issued to a User’s DoorDash or Caviar account may only be used on that respective brand’s Services. Any non-DoorDash gift card sold through the Services is issued by and solely the obligation of the respective Merchant or other party that issued the card and is not an obligation or liability of any DoorDash party. For avoidance of doubt, gift card credits and Purchased Credits are not Gratuitous Credits.

(h) SNAP/EBT (United States Orders but Excluding Puerto Rico Orders). This Section 12(h) applies to United States Orders (but excluding Puerto Rico Orders). DoorDash permits customers in the United States (but excluding Puerto Rico) to purchase Supplemental Nutrition Assistance Program (“SNAP”) eligible items from select Merchants using a valid Electronic Benefits Transfer (“EBT”) card. For any transactions involving use of your SNAP EBT funds, a credit or debit card must also be linked to your DoorDash account to pay for any fees, taxes, delivery tips, and any other items you purchase that are not SNAP-eligible. You have the option to view SNAP-eligible items on the DoorDash platform by using a “SNAP” filter. SNAP-eligible items will also have a “SNAP” tag on their respective item details pages. By providing DoorDash with your SNAP EBT card information, you represent and warrant that (i) you are legally authorized to use the SNAP EBT card provided; (ii) your SNAP EBT card is current and valid; and (iii) you authorize DoorDash to use your SNAP EBT card information for transactions involving use of your SNAP EBT benefits. DoorDash cannot accept EBT cash at this time.

(i) Invoice or Other Taxable Supply Information (Australia, Canada, and New Zealand Orders). This Section 12(i) applies to Australia, Canada, and New Zealand Orders. A tax invoice (or alternative taxable supply information if and when permitted to be issued under Australia, Canada, or New Zealand tax law instead of a tax invoice) for DoorDash fees will be made available by DoorDash to you when DoorDash is legally required to do so, or otherwise at DoorDash’s sole discretion, upon you having submitted a request for a tax invoice (or tax information) at our Customer Support page. You agree that invoices (or alternative taxable supply information) will only be made in electronic form. In accordance with applicable laws, for tax invoices (or alternative taxable supply information) for menu items, you should contact the relevant Merchant(s).

(j) Checkout Merchants. DoorDash provides certain checkout-related services to third-party merchants outside of the DoorDash platform to facilitate the completion of transactions with such merchants (“Checkout Merchants”). If you are completing a transaction directly with a Checkout Merchant outside of the DoorDash platform and we determine that you are a registered DoorDash User, we may share certain information about you, including loyalty or rewards information, DashPass subscription status, and/or payment card, payment method, billing, and contact information, with the Checkout Merchant for the purpose of facilitating the transaction. The processing of such information by the Checkout Merchant is subject to the Checkout Merchant’s privacy policy, terms of service, and/or other applicable terms. DoorDash is not a party to any such transaction and DoorDash is not liable or responsible for the Checkout Merchant’s processing of your information. Any questions or disputes regarding such transactions or the processing of your information by the Checkout Merchant should be directed to the Checkout Merchant or your payment provider.

13. DashPass Subscriptions

(a) General. DashPass is an automatically renewing subscription requiring recurring payments until canceled. A DashPass subscription grants you access to certain benefits (“DashPass Benefits”) on eligible orders placed through the Services for eligible Merchants with a minimum subtotal (excluding taxes, fees, and tips) as indicated through the Services. DashPass Benefits include reduced fees for United States Orders and Canada Orders and $0 delivery fees for Australia Orders and New Zealand Orders. For certain DoorDash orders that may have alternative fee structures (for example, a flat DoorDash fee), DashPass Benefits may vary. DoorDash reserves the right to change whether a Merchant is eligible for DashPass at any time with or without notice. If you are a United States Consumer (excluding a United States Consumer whose primary residence is in Puerto Rico), you acknowledge that you are purchasing a DashPass subscription exclusively from DoorDash, Inc. DashPass orders are subject to delivery driver and geographic availability, and taxes may apply to the cost of the items you order and/or to fees charged. You may provide an optional gratuity. Service Fees and other fees may apply. We reserve the right to add and modify fees that may apply to your DashPass orders. Your DashPass Benefits will extend to both DoorDash and Caviar (if applicable) when you register for a DashPass subscription.

DashPass is offered for a monthly or yearly fee payable at the start of the relevant period. By signing up for DashPass, you agree that: (i) you will be charged your first DashPass subscription fee and any applicable taxes (such as sales tax, use tax, goods and services tax, and other transaction taxes) on the date you purchase your DashPass subscription or, if your subscription includes a free trial, on the day after your free trial ends; (ii) you authorize DoorDash and its service providers to store your designated payment method as well as any other payment method associated with your account to execute future DashPass auto-renewal transactions, which includes retrying payment using various payment methods you have on file if payment fails when attempting a renewal; (iii) UNLESS YOU CANCEL, BY DEFAULT (AND WITH PRIOR NOTICE ONLY TO THE EXTENT REQUIRED BY APPLICABLE LAW), YOUR DASHPASS SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF THE THEN-CURRENT SUBSCRIPTION PERIOD; and (iv) AT THE TIME OF RENEWAL, DOORDASH WILL AUTOMATICALLY CHARGE THE THEN-CURRENT DASHPASS SUBSCRIPTION FEE AND ANY APPLICABLE TAXES TO AN ELIGIBLE PAYMENT METHOD THAT WE HAVE ON FILE FOR YOU. If your payment details change, your card provider may provide us with updated payment details. We may use these new details or details from other payment methods on file in order to help prevent any interruption to your DashPass subscription. This includes our right to charge any payment method on file if your initial form of preferred payment fails. It is your responsibility to keep your billing information up to date. If any subscription fee is not paid in a timely manner or your transaction cannot be processed, we reserve the right to suspend, disable, cancel, or terminate your access to the Services or your DashPass subscription. Where required by law, which may include in the Province of Québec, we will provide you with written notice of the suspension, disabling, cancellation, or termination of your access to the Services or your DashPass subscription, including the reasons which led us to take such action. You will be responsible for paying all past due amounts.

(b) DashPass Subscriptions through DoorDash for Business. Notwithstanding any other provision in these Terms, you may be eligible for a complimentary DashPass subscription if your employer or third-party program provider (each, a “Program Manager”) obtains a DashPass subscription for you through DoorDash for Business. If you have a complimentary DashPass subscription through your Program Manager, your account will begin and end in accordance with the terms of your Program Manager’s DoorDash for Business arrangement unless your subscription is otherwise canceled. To receive DashPass subscription benefits through DoorDash for Business, you must register for and activate your DashPass subscription in accordance with the instructions provided to you by DoorDash or your Program Manager. The use of a DashPass subscription via your Program Manager’s DoorDash for Business offering is subject to these terms as well as the DoorDash for Business Terms and Conditions.

(c) DashPass Student Plan. DoorDash may offer DashPass student plan subscriptions at a discounted price on either a monthly or annual basis to qualifying individuals who meet the eligibility requirements stated at sign up, including but not limited to current enrollment at an accredited college or university. Individuals may be required to provide documentation so that DoorDash may verify their eligibility for a DashPass student plan. DashPass student plan subscriptions are subject to this Agreement.

(d) **Trial or Promotional Subscriptions.**From time to time, DoorDash may offer some customers trial or other promotional subscriptions to DashPass, whether directly from DoorDash or in partnership with a third party. Such trial or promotional subscriptions are available only for Users who have not previously subscribed to DashPass (whether on a free or paid plan) and are subject to this Agreement except as otherwise stated in the promotional offer. A free one-week DashPass trial offer is good for a DashPass subscription of seven (7) days beginning on the day the offer is redeemed and a free one-month DashPass trial offer is good for a DashPass subscription of 30 (thirty) days beginning on the day the offer is redeemed. AFTER THE DASHPASS TRIAL OR PROMOTIONAL PERIOD ENDS, YOU WILL AUTOMATICALLY BE CHARGED $9.99/MONTH OR $96/YEAR (IN THE CURRENCY OF YOUR JURISDICTION), PLUS ANY APPLICABLE TAXES, ON A RECURRING BASIS (BASED ON THE PLAN YOU SELECT) UNTIL YOU CANCEL (SEE CANCELLATION INSTRUCTIONS HERE). If you cancel DashPass before the trial period has expired, DoorDash will not charge you for the DashPass subscription. If you purchase a DashPass subscription with a promotional code, each time your DashPass subscription renews, you will be charged the full billing amount. Only one trial or promotional subscription is available per household. If your DashPass subscription is ever terminated for any reason, you shall not be eligible for a free trial on any subsequent DashPass subscription.

(e) DashPass Gift Subscriptions. DoorDash may offer customers the opportunity to purchase DashPass gift subscriptions (“DashPass Gift Subscriptions”) and then send these DashPass Gift Subscriptions to other customers to redeem (“Gift Subscription Recipients”). Such DashPass Gift Subscriptions are subject to this Agreement and the DashPass Gift Membership Terms and Conditions. DashPass Gift Subscriptions can only be purchased and redeemed by Users who have or create a valid DoorDash account with a valid form of accepted payment on file. A DashPass Gift Subscription entitles the Gift Subscription Recipient to a DashPass subscription for the length of time identified in the DashPass Gift Subscription confirmation (the “DashPass Gift Subscription Period”).

DashPass Gift Subscriptions are issued by the following entities: DoorDash Giftcards LLC in the United States; DoorDash Technologies Canada, Inc. in Canada; DoorDash Technologies Australia Pty Ltd in Australia; and DoorDash Technologies New Zealand in New Zealand.

DashPass Gift Subscriptions cannot be redeemed by DashPass subscribers currently enrolled in any free, paid, or discounted partnership subscription plan (“Excluded Subscription Plans”). Any Gift Subscription Recipients of a DashPass Gift Subscription currently enrolled in an Excluded Subscription Plan may choose to transfer their DashPass Gift Subscription to another customer. For Gift Subscription Recipients enrolled in an eligible existing paid DashPass subscription at the time of redemption of a DashPass Gift Subscription, such eligible existing paid DashPass subscription will continue through the end of the Gift Subscription Recipient’s current DashPass billing cycle before the DashPass Gift Subscription will be applied. For Gift Subscription Recipients enrolled in an eligible existing DashPass subscription currently in a free period at the time of redemption of a DashPass Gift Subscription, the DashPass Gift Subscription will be applied immediately upon redemption and any unused days in the previous free period will be forfeited.

For all Gift Subscription Recipients, after the DashPass Gift Subscription Period ends, that subscription will automatically convert into a paid monthly DashPass subscription, and DoorDash will charge the Gift Subscription Recipient the applicable monthly fee to the preferred payment method designated in the Gift Subscription Recipient’s DoorDash account. All purchases of DashPass Gift Subscriptions are final and non-refundable.

(f) Cancellations. When you cancel a DashPass subscription, you cancel only future charges associated with your DashPass subscription. You may initiate your cancellation at any time through the Services, but the cancellation will become effective at the end of your current subscription period. Instructions on how to cancel are available here. You must cancel at least one (1) day before the next-scheduled subscription renewal date to avoid being charged for the next subscription period (for example, if the renewal date is January 10, you must cancel by 11:59:59 pm on January 9).

If you participated in a free trial or other promotional subscription period for DashPass, you may cancel within the first 48 hours of your first paid DashPass subscription period and receive a full refund of your DashPass fee (as applicable).

For both monthly and annual subscribers, if you cancel your DashPass subscription within the first 48 hours of your first subscription period and have not placed a DashPass-eligible order during that period, DoorDash may, in its sole discretion, refund your DashPass fee. If we issue a refund, credit, or discount, we are under no obligation to issue the same or similar refund in the future.

UNLESS YOU ARE A CANADA CONSUMER WHO RESIDES IN THE PROVINCE OF QUÉBEC OR BRITISH COLUMBIA AND EXCEPT AS OTHERWISE STATED HEREIN OR REQUIRED BY APPLICABLE LAW (INCLUDING THE AUSTRALIAN CONSUMER LAW FOR AUSTRALIAN CONSUMERS AND THE CONSUMER GUARANTEES ACT 1993 OR FAIR TRADING ACT 1986 FOR NEW ZEALAND CONSUMERS), YOUR SUBSCRIPTION FEE IS NON-REFUNDABLE and if you cancel your DashPass subscription, you will not receive a refund, but you can continue to enjoy the DashPass Benefits through the end of your then-current subscription period. For Canada Consumers who reside in the Province of Québec, if you cancel your annual subscription, you may request a prorated refund by calling Support at 855-431-0459. For Canada Consumers who reside in the Province of British Columbia and are subscribed to an annual DashPass subscription, you may cancel the renewal at any time before or after the renewal date. If you cancel before renewal, you will not be charged any fee or penalty. If you cancel after renewal, you will receive a prorated refund of the subscription fee for the unused portion of the renewed term. Any refund will be issued within fifteen (15) days after cancellation.

(g) DashPass Benefits for Certain Cardmembers

(i) Chase Cardmembers (United States Only but Excluding Puerto Rico). Chase cardmembers in the United States (but excluding Puerto Rico) are eligible for certain DashPass benefits on both DoorDash and Caviar when an eligible Chase credit card is added to either account. The specific benefits depend upon which Chase credit card is added to your account. These benefits are subject to this Agreement and DoorDash’s Promotional Offers and Credits Terms and Conditions as well as the following card-specific terms:

(A) Chase Sapphire Reserve®

(B) Chase Sapphire® and Chase Sapphire Preferred®

(D) Chase Slate

(E) Chase Co-Brand

Additional information about the DashPass benefits for Chase cardmembers can be found at our DashPass for Chase Cardmembers page.

(ii) RBC Cardmembers (Canada Only). RBC cardmembers in Canada are eligible for complimentary DashPass on DoorDash (length of complimentary subscription depends on which RBC credit card is used) when an eligible RBC credit card is added to their DoorDash account. DoorDash is responsible for DashPass and the use of DashPass through these complimentary subscriptions is subject to this Agreement and DoorDash’s Promotional Offers and Credits Terms and Conditions. Eligibility for the complimentary DashPass subscription for eligible RBC cardmembers and other offer terms are available in the DoorDash/RBC Complimentary DashPass Terms (English / French). Additional information about the DashPass benefits for RBC cardmembers can be found at our DashPass for RBC Cardmembers page.

(h) DashPass Student Plan with Chegg (United States Only). Current Chegg Study or Chegg Study Pack subscribers who are at least 18 years old, reside in the United States, and are enrolled in an accredited college or university in the United States are eligible to activate a free DashPass Student subscription until November 1, 2023. If you cancel your Chegg Study or Chegg Study Pack subscription or upon 30 days’ prior notice from DoorDash, you will continue to be enrolled in the DashPass for Students subscription and will be automatically charged the then-current monthly DashPass for Students subscription fee (plus any applicable taxes) on a recurring basis until you cancel your DashPass for Students subscription. See full Chegg x DashPass Student Membership Offer terms and conditions here.

(i) Complimentary DashPass for Amazon Prime Members (Canada Only). Amazon Prime members in Canada are eligible for an ongoing complimentary monthly DashPass subscription on DoorDash. The offer terms and conditions can be found here.

(j) Complimentary DashPass for Amazon Prime Members (Australia Only). Amazon Prime members in Australia are eligible for 24 months of complimentary monthly DashPass on DoorDash. At the end of this 24-month period, the complimentary DashPass subscription will automatically renew as a paid monthly DashPass plan at the then-current monthly fee unless you cancel your DashPass subscription prior to renewal. The offer terms and conditions can be found here.

(k) Complimentary DashPass for Qualifying T-Mobile Customers (United States Only). T-Mobile customers on qualifying plans are eligible for 12 months of complimentary DashPass on DoorDash when redeemed between July 8, 2025 and August 4, 2025 via the T-Mobile T-Life app. At the end of the 12-month period, or 30 days after a customer cancels or downgrades their qualifying T-Mobile plan, the DashPass subscription will automatically renew as a paid DashPass annual plan at the then-current annual fee plus applicable taxes unless canceled prior to renewal. The T-Mobile Perk Terms can be found here.

(l) Complimentary DashPass Trial for Eligible Lyft Customers (United States Only).

Eligible Lyft customers who have not been subscribed to DashPass including via a free trial, paid membership, or otherwise for at least six (6) months prior to linking their DashPass and Lyft accounts are eligible to receive a complimentary three (3) month DashPass trial when they link an active DashPass account to a Lyft account. Limit of one (1) free trial period per customer. To redeem, you must have an active DashPass account linked to your Lyft account. At the end of the free trial period, the DashPass subscription will automatically renew as a paid monthly DashPass plan at the then-current monthly membership fee (currently $9.99/month) plus applicable taxes, charged to your preferred or any other payment method in your DoorDash account, unless canceled prior to renewal. The DashPass x Lyft terms can be found here.

(m) Complimentary DashPass for Qualifying Disney+ Perks Members (United States Only). Disney+ Perks members are eligible for six (6) months of complimentary DashPass on DoorDash when redeemed by February 26, 2026 via the Disney+ Perks page. Offer only valid for users who have not been subscribed to DashPass whether on a free trial, paid membership, or otherwise for at least three (3) months prior to offer redemption. Limit of one (1) free trial period per customer. At the end of the free trial period, the DashPass subscription will automatically renew as a paid monthly DashPass plan at the then-current monthly membership fee (currently $9.99/month) plus applicable taxes, charged to your preferred or any other payment method in your DoorDash account, unless canceled prior to renewal. The Disney+ Perks x DashPass Terms can be found here.

(n) Max Subscription with DashPass Annual Plan (United States Only). DashPass Annual Plan subscribers in the United States only are eligible to activate a Max Basic With Ads subscription (ad-supported offering) at no additional cost to DashPass Annual Plan subscribers. These subscribers also have the option to upgrade to a Max Standard subscription for an additional monthly fee at a discounted rate (plus applicable taxes), which will be published at the time of sign up. The Max Basic With Ads and Max Standard subscriptions are subject to the offer terms and conditions found here.

(o) **Updates and Changes.**DoorDash does not represent or warrant that particular DashPass benefits or features will be offered indefinitely and reserves the right to, in its sole discretion, change the fees or alter the features and benefits associated with a DashPass subscription. You acknowledge that certain DashPass benefits or features will only be available for a limited time and that DoorDash has the right to modify, discontinue, or remove features at any time without notice to you. You further acknowledge that certain DashPass benefits and features may only be available for select DashPass subscribers as determined by DoorDash in its sole discretion from time to time.If DoorDash changes the monthly or annual fee charged for a DashPass subscription, DoorDash will notify you and provide you with the opportunity to cancel your subscription before your DashPass subscription is renewed for another subscription term. If you do not wish to continue subscribing with the new subscription fees, you may cancel your DashPass subscription within the specified notice period. We may also notify you of DashPass feature changes. Your continued use of the Services after a fee or feature change becomes effective will constitute your acceptance of the change, and any updated terms and conditions will apply for the remaining subscription term and all renewals going forward.

(p) No Transfer or Assignments and Cancellations by DoorDash. You may not transfer or assign your DashPass subscription. DoorDash reserves the right to accept, refuse, suspend, or cancel your DashPass subscription at any time in its sole discretion. If DoorDash cancels your DashPass subscription, you will receive a refund of your subscription fee on a pro rata basis based on the amount of time remaining in your pre-paid subscription, unless DoorDash terminates your account or your DashPass subscription because it determines, in its sole discretion, that your actions or your use of the Services violates this Agreement or has harmed another User.

14. Arbitration Agreement

THIS SECTION 14 OF THIS AGREEMENT SHALL BE REFERRED TO AS THE “ARBITRATION AGREEMENT.”

Please read this Section 14 carefully. It requires, unless you are a Canada Consumer who resides in the Province of Québec, that any and all claims between you and DoorDash be resolved by binding arbitration or in small claims court or tribunal. Unless you are an Australia Consumer and to the extent permitted by applicable law, this Section 14 prevents you from pursuing a class action or similar proceeding in any forum. Arbitration is required if your country of residence enforces arbitration agreements. If you are outside the United States, Canada, Australia, or New Zealand, but attempt to bring a claim in one of those countries, arbitration is required for determination of the threshold issue of whether this Section 14 applies to you, as well as all other threshold determinations, including residency, arbitrability, venue, and applicable law. If your country of residence does not enforce arbitration agreements, the mandatory pre-arbitration dispute resolution and notification and prohibition on class actions or representative proceedings provided below still apply to the extent enforceable by law.

(a) Scope of Arbitration Agreement. This Arbitration Agreement shall apply, without limitation, to all claims that arose or were asserted before, on, or after the effective date of this Agreement. You agree that any dispute or claim arising out of or relating in any way to the subject matter of the Agreement, to your access or use of the Services as a User of the Services, to any advertising or marketing communications regarding DoorDash or the Services, to any products or services sold or distributed through the Services that you received as a User of our Services, or to any aspect of your relationship or transactions with DoorDash as a User of our Services (this includes, without limitation, any contract claim, tort claim, statutory claim, or claim for unfair competition), will be resolved by binding arbitration, rather than in court, except as otherwise required by law—such as individual claims for sexual assault or sexual harassment arising from use of the Services by United States Consumers—or as otherwise provided in this Arbitration Agreement. In addition, to the extent permitted by applicable law, either you or DoorDash may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). Either you or DoorDash may also, to the extent permitted by applicable law, apply to a court of competent jurisdiction for temporary or preliminary injunctive relief on the ground that without such relief the arbitration provided in this paragraph may be rendered ineffectual. The following additional jurisdiction-specific exception to the foregoing applies to United States, Australia, and New Zealand Consumers only:

(i) United States and New Zealand Consumers Only. You may assert claims in small claims court or tribunal if your claims qualify, so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis.

CASES HAVE BEEN FILED AGAINST DOORDASH—AND OTHERS MAY BE FILED IN THE FUTURE—THAT ATTEMPT TO ASSERT CLASS ACTION CLAIMS, AND BY ACCEPTING THIS ARBITRATION AGREEMENT YOU ELECT NOT TO PARTICIPATE IN SUCH CASES.

IF YOU AGREE TO ARBITRATION WITH DOORDASH, YOU ARE AGREEING IN ADVANCE THAT YOU WILL NOT PARTICIPATE IN OR SEEK TO RECOVER MONETARY OR OTHER RELIEF IN ANY SUCH CLASS, COLLECTIVE, AND/OR REPRESENTATIVE LAWSUIT. INSTEAD, BY AGREEING TO ARBITRATION, YOU MAY BRING YOUR CLAIMS AGAINST DOORDASH IN AN INDIVIDUAL ARBITRATION PROCEEDING. IF SUCCESSFUL ON SUCH CLAIMS, YOU COULD BE AWARDED MONEY OR OTHER RELIEF BY AN ARBITRATOR.

(b) Informal Resolution. You and DoorDash agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost, and mutually beneficial outcome. You and DoorDash therefore agree that, before either you or DoorDash demands or attempts to commence arbitration against the other, we will personally meet and confer, via telephone or videoconference, in a good-faith effort to resolve informally any claim covered by this mutual Arbitration Agreement. The informal dispute resolution conferences shall be individualized such that a separate conference must be held each time either party intends to commence individual arbitration; multiple individuals initiating claims cannot participate in the same informal telephonic dispute resolution conference, unless mutually agreed to by the parties. If a party is represented by counsel, the party’s counsel may participate in the conference, but both parties (you and DoorDash) shall also fully participate in the conference. The party initiating the claim must give notice to the other party in writing of their intent to initiate an informal dispute resolution conference, which shall occur within 60 days after the other party receives such notice, unless an extension is mutually agreed upon by the parties. To notify DoorDash that you intend to initiate an informal dispute resolution conference, email Informal.Resolution@doordash.com, providing your name, telephone number associated with your DoorDash account (if any), the email address associated with your DoorDash account, and a description of your claim. In the interval between the party receiving such notice and the informal dispute resolution conference, the parties shall be free to attempt to resolve the initiating party’s claims. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph.

Engaging in an informal dispute resolution conference is a requirement that must be fulfilled before commencing arbitration. An arbitration shall be dismissed if it was filed without fully and completely complying with these informal dispute resolution procedures. If an arbitration is dismissed because a party willfully failed to comply with these informal dispute resolution procedures, the arbitrator may order the non-compliant party to pay any arbitration filing fees and costs incurred by the other party.

(i) United States Consumers Only. This Arbitration Agreement is governed by the Federal Arbitration Act (“FAA”) in all respects. If for whatever reason the rules and procedures of the FAA cannot apply, the state law governing arbitration agreements in the state in which you reside shall apply. Before a party may begin an arbitration proceeding, that party must send notice of an intent to initiate arbitration and certify completion of the informal dispute resolution conference pursuant to Section 14(b). If this notice is being sent to DoorDash, it must be sent by email to the counsel who represented DoorDash in the informal dispute resolution process, or if there was no such counsel, then by mail to General Counsel, at 303 2nd Street, Suite 800, San Francisco, CA, 94107.

If you reside in California (“California Consumer”), the arbitration will be conducted by ADR Services, Inc. under its rules and pursuant to the terms of this Agreement. If you reside outside of California (“Non-California Consumer”), the arbitration will be conducted by National Arbitration and Mediation (“NAM”) under its rules and pursuant to the terms of this Agreement. Once the notice certifying completion of the informal dispute resolution conference has been served, the party seeking to arbitrate must then file their arbitration demands with ADR Services, Inc. or NAM, depending on the location of residence as described above. If the arbitration is filed with a different arbitration provider than the one required by this Agreement, that provider shall immediately dismiss the arbitration demand.

The demand must include (A) the name, telephone number, mailing address, and email address of the party seeking arbitration; (B) a statement of the legal claims being asserted and the factual bases of those claims; (C) a description of the remedy sought and an accurate, good-faith calculation of the amount in controversy, enumerated in United States Dollars (any request for injunctive relief or attorneys’ fees shall not count toward the calculation of the amount in controversy unless such injunctive relief seeks the payment of money); and (D) the signature of the party seeking arbitration. Disputes shall be subject to ADR Services, Inc.’s most current version of its Arbitration Rules, available at www.adrservices.com/services-2/arbitration-rules/ or by calling ADR Services, Inc. at 310-201-0010 (for California Consumers) or NAM’s most current version of its Comprehensive Rules and Procedures and, if applicable, its Supplemental Rules for Mass Arbitration Filings, available at www.namadr.com/resources/rules-fees-forms/ (for Non-California Consumers). The fees that shall apply to arbitrations administered by ADR Services, Inc. are set forth in ADR Services, Inc.’s General Fee Schedule or ADR Services, Inc.’s Mass Consumer Non-Employment Arbitration Fee Schedule, when applicable. ADR Services, Inc.’s Fee Schedules are available at www.adrservices.com/rate-fee-schedule/. The fees that shall apply to arbitrations administered by NAM are set forth in NAM’s Fees for Disputes Where One of the Parties Is a Consumer, available at www.namadr.com/resources/rules-fees-forms/. DoorDash will pay the portion of the initial case opening fees (if any) that exceeds the filing fee to file the case in a court of competent jurisdiction embracing the location of the arbitration. Payment of all filing, administration, and arbitration fees will be governed by ADR Services, Inc.’s rules (for California Consumers) or NAM’s rules (for Non-California Consumers). If the arbitrator finds that you cannot afford to pay the filing, administrative, hearing, and/or other fees and cannot obtain a waiver of fees from the applicable arbitration provider, DoorDash will pay them for you. Any finding that a claim or counterclaim violates the standards set forth in Federal Rule of Civil Procedure 11 shall entitle the other party to recover their attorneys’ fees, costs, and expenses associated with defending against the claim or counterclaim. If a party timely serves an offer of judgment under Federal Rule of Civil Procedure 68 or a state or local equivalent, if applicable, and the judgment that the other party finally obtains is not more favorable than the unaccepted offer, then the other party shall pay the costs, including filing fees, incurred after the offer was made.

If ADR Services, Inc. (for California Consumers) or NAM (for Non-California Consumers) is not available or willing to arbitrate, the parties will mutually select an alternative arbitral forum. If, and only if, the parties are unable to agree on an alternative arbitral forum, the arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules and, if applicable, its Supplementary Rules for Mass Arbitrations. If AAA is also not available or willing to arbitrate and the parties remain unable to agree on an alternative arbitral forum, either party may invoke 9 U.S.C. § 5 to request that a court of competent jurisdiction appoint an arbitrator.

To the extent there is a dispute over which arbitration provider shall administer the arbitration, only a court (and not an arbitrator or arbitration administrator) can resolve that dispute, and the arbitration shall be stayed until the court resolves that dispute. You may choose to have the arbitration conducted by video conference. The parties agree that all of the arbitration proceedings, including any discovery, hearings, and rulings, shall be confidential to the fullest extent permitted by applicable law. If at any time the arbitrator or arbitration administrator fails to enforce the terms of this Agreement, either party may seek to enjoin the arbitration proceeding in court, and the arbitration shall automatically be stayed pending the outcome of that proceeding.

If the arbitration involves a request for an injunction or monetary relief that exceeds $1,000,000 (one million dollars), then either party shall have the right to appeal that award to an arbitration appellate panel. The notice of appeal must be served, in writing, on the opposing party within fourteen (14) days after the award has become final. ADR Services, Inc. (for California Consumers) or NAM (for Non-California Consumers) shall administer the appeal consistent with the NAM Appellate Dispute Resolution Rules and Procedures, available at www.namadr.com/practice-areas/appellate-arbitration/.

(ii) Canada Consumers Only (Except Those who Reside in the Province of Québec). To the extent permitted by applicable law, this Arbitration Agreement is governed by the domestic arbitration act in the province in which you reside and ADR Institute of Canada, Inc.’s Arbitration Rules (https://adric.ca/rules-codes/arbrules/) (“ADRIC Rules”) as applicable, in all respects except as otherwise expressly agreed herein. Before a party may begin an arbitration proceeding, that party must send notice of an intent to initiate arbitration and certify completion of the informal dispute resolution conference pursuant to Section 14(b). If this notice is being sent to DoorDash, it must be sent by email to the counsel who represented DoorDash in the informal dispute resolution process, or if there was no such counsel, then by mail to General Counsel, DoorDash at 1066 West Hastings Street, Suite 2000, Vancouver BC V6E 3X2, Canada; and legal@doordash.com. Arbitration demands shall be filed with ADR Institute of Canada, Inc. (“ADRIC”) and shall be submitted in accordance with the ADRIC Rules and must include: (A) the name, telephone number, mailing address, and email address of the partyseeking arbitration; (B) a statement of the legal claims being asserted and the factual bases of those claims; (C) a description of the remedy sought and an accurate, good-faith calculation of the amount in controversy (any request for injunctive relief or attorneys’ fees shall not count toward the calculation of the amount in controversy unless such injunctive relief seeks the payment of money); and (D) the signature of the party seeking arbitration. Your demand for arbitration must also be delivered to General Counsel, DoorDash at 1066 West Hastings Street, Suite 2000, Vancouver BC V6E 3X2, Canada; and legal@doordash.com. Notwithstanding anything to the contrary in the ADRIC Rules, the arbitration shall be heard by a single arbitrator (selected in accordance with the ADRIC Rules), who shall be a lawyer or former judge. The seat of the arbitration shall be the capital city of the province of your primary residence as of the effective date of this Agreement. However, at your request, the arbitrationhearing may take place at a location that is within 45 kilometres of your primary residence as of the effective date of this Agreement. The parties agree that the arbitration may proceed virtually, and the arbitrator has the discretion to order a virtual arbitration at the request of either party. Unless applicable law provides otherwise, you and DoorDash shall pay equal shares of the applicable filing fees and other similar and usual administrative costs, as are common to both court and administrative proceedings. DoorDash shall pay any additional costs uniquely associated with arbitration, such as payment of the costs of ADRIC and the Arbitrator, as well as room rental or technical assistance required to support a virtual arbitration. The current fee schedule under the ADRIC Rules is available at the following link: https://adric.ca/rules/ADRIC-Arbitration-Rules-2025.pdf. If ADRIC is not available to arbitrate, the parties will mutually select an alternative arbitral forum.

(iii) Australia Consumers Only. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our registered agent, General Counsel, at Level 15, 222 Exhibition Street, Melbourne VIC 3000 Australia. The arbitration will be conducted by the Australian Disputes Centre (“ADC”) under then-current arbitration rules and pursuant to the terms of this Agreement. The ADC’s arbitration rules are available at: https://disputescentre.com.au/adc-rules-for-domestic-arbitration. Payment of all filing, administration, and arbitration fees will be governed by the ADC’s rules. If the arbitrator finds that you cannot afford to pay the ADC’s filing, administrative, hearing, and/or other fees and cannot obtain a waiver of fees from the ADC, DoorDash will pay them for you. In addition, DoorDash will reimburse all such ADC’s filing, administrative, hearing, and/or other fees for claims with an amount in controversy totaling less than AUD $10,000. If the ADC is not available to arbitrate, the parties will select an alternative arbitral forum. You may choose to have the arbitration conducted by telephone, video conference, based on written submissions, or in person in the country where you live or at another mutually agreed location.

(iv) New Zealand Consumers Only. This Arbitration Agreement is governed by the Arbitration Act 1996 and Schedule 2 of the Arbitration Act 1996 will not apply to any arbitration. Where you are a “consumer” for the purposes of the Arbitration Act 1996, this agreement to arbitrate is subject to a separate written agreement after the dispute has arisen in accordance with section 11 of the Arbitration Act 1996.

(d) Arbitrator Powers. The arbitrator, and not any federal, state, provincial, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this Arbitration Agreement including, but not limited to, any claim that all or any part of this Arbitration Agreement is void or voidable, to the extent permitted by applicable law except with respect to Section 14(f) below (Waiver of Class, Consolidated, and Representative Actions; Waiver of Public Injunctive Relief), the enforceability of which can only be determined by a court.

The arbitration will decide the rights and liabilities, if any, of you and DoorDash. Except as expressly agreed to in Section 14(g) of this Agreement, the arbitration proceeding will not be consolidated with any other matters or joined with any other proceedings or parties. The arbitrator may issue orders (including subpoenas to third parties, to the extent permitted by law) allowing the parties to conduct discovery sufficient to allow each party to prepare that party's claims and/or defenses, taking into consideration that arbitration is designed to be a speedy and efficient method for resolving disputes. For example, the parties agree that the Apex Doctrine shall apply and therefore preclude depositions of either party’s current or former high-level officers absent a showing that the officer has unique, personal knowledge of discoverable information and less burdensome discovery methods have been exhausted. The arbitrator will have the authority to grant motions dispositive of all or part of any claim or dispute. The arbitrator will have the authority to award, on an individual basis, monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the arbitral forum’s rules, and this Agreement (including this Arbitration Agreement). The arbitrator will issue a written statement of decision describing the essential findings and conclusions on which any award (or decision not to render an award) is based, including the calculation of any damages awarded. The award shall be binding only among the parties and shall have no preclusive effect in any other arbitration or other proceeding involving a different party. The arbitrator shall follow the applicable law. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The arbitrator’s decision is final and binding on you and DoorDash.

(e) Waiver of Jury Trial. TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND DOORDASH WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND RECEIVE A JUDGE OR JURY TRIAL. You and DoorDash are instead electing to have all disputes resolved by binding arbitration, except as specified in Section 14(a) above. Binding arbitration is a dispute resolution process in which a neutral third party (the arbitrator) makes a final and binding decision resolving the dispute. There is no judge or jury in arbitration, and court review of an arbitration award is limited.

(f) Waiver of Class, Consolidated, and Representative Actions; Waiver of Public Injunctive Relief (United States, Canada, and New Zealand Consumers Only). THIS SECTION14(f) DOES NOT APPLY TO AUSTRALIA CONSUMERS. EXCEPT AS EXPRESSLY AGREED TO IN SECTION 14(g) OF THIS AGREEMENT AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND DOORDASH AGREE TO WAIVE ANY RIGHT TO RESOLVE CLAIMS WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS. CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. In any case in which (1) the dispute is filed as a class, collective, or representative action and (2) a civil court of competent jurisdiction finds all or part of the Waiver of Class, Consolidated, and Representative Actions is unenforceable, the class, collective, or representative action must be litigated in a civil court of competent jurisdiction, but the portion of the Waiver of Class, Consolidated, and Representative Actions that is enforceable shall be enforced in arbitration. The portion of such dispute proceeding in court shall be stayed pending the conclusion of the arbitration. Notwithstanding any other provision in this Agreement, any claim that all or part of the waivers set forth in Section 14(f) is unenforceable, unconscionable, void, or voidable may be determined only by a court of competent jurisdiction and not by an arbitrator. This provision does not prevent you or DoorDash from settling claims on a class, collective, or representative basis. To the extent permitted by law (after taking into account FAA preemption), the parties waive the right to seek public injunctive relief. If the right to seek public injunctive relief cannot be waived, and a party seeks public injunctive relief in any form, then that request for public injunctive relief (and only that request for public injunctive relief) shall be severed from the rest of any claim (including any other relief or remedies associated with that claim) and any other claims in the action. The severed request for public injunctive relief shall be resolved in court after the arbitration of the remainder of the claim associated with that request for public injunctive relief and any other claims in the action.

(g) Grouped Arbitrations. To the extent permitted by applicable law and notwithstanding any other provision of this Agreement, to increase efficiency of resolution, in the event 100 or more similar arbitration demands are presented to an arbitration provider selected in accordance with the rules described above within a 30-day period: (A) the parties shall cooperate to organize the arbitration demands into randomized groups of no more than 100 demands (plus, to the extent there are fewer than 100 arbitration demands remaining after the assigning as described above, a final group consisting of the remaining demands); (B) claimants’ counsel shall organize and present the grouped demands to the arbitration provider in a format as directed by the arbitration provider; (C) the arbitration provider shall assess one set of filing and administrative fees per group and shall assign one arbitrator per group, pursuant to the applicable arbitration provider’s rules governing arbitrator assignment and subject to any applicable disclosure and disqualification procedures available under applicable law; (D) the arbitration provider shall set up one Arbitration Management Conference per group; (E) regardless of the grouping described above, the arbitrator shall resolve all arbitrations within a group on an individual basis; and (F) no final award from an arbitrator in any one arbitration shall have preclusive effect in any other arbitration. You agree to cooperate in good faith with DoorDash and the arbitration provider to implement such a grouped approach to administration and fees. Notwithstanding any provision in the Agreement to the contrary, grouped arbitrations shall take place in person or, if the parties prefer, by video conference. The parties may also agree to conduct arbitration based on written submissions alone.

(h) Opt Out. DoorDash’s updates to these Terms and Conditions do not provide a new opportunity to opt out of the Arbitration Agreement for customers or Users who had previously agreed to a version of DoorDash’s or Caviar’s Terms and Conditions and did not validly opt out of arbitration. DoorDash will continue to honor the valid opt outs of customers or Users who validly opted out of the Arbitration Agreement in a prior version of the Terms and Conditions. If you are a customer or User who creates a DoorDash or Caviar account for the first time on or after the effective date of these Terms and Conditions, you may opt out of this Arbitration Agreement. If you do so, neither you nor DoorDash can force the other to arbitrate as a result of this Agreement. To opt out, you must notify DoorDash in writing no later than 30 days after first becoming subject to this Arbitration Agreement. Your notice must include your name and address, your DoorDash username (if any), the email address you currently use to access your DoorDash account (if you have one), and a CLEAR statement that you want to opt out of this Arbitration Agreement. You must send your opt-out notice to: opt-out@doordash.com. If you opt out of this Arbitration Agreement, all other parts of this Agreement will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may have entered into with us or may enter into in the future with us.

(i) No Effect on Independent Contractor Agreement. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, NOTHING IN THIS AGREEMENT SHALL SUPERSEDE, AMEND, OR MODIFY THE TERMS OF ANY SEPARATE AGREEMENT(S) BETWEEN YOU AND DOORDASH RELATING TO YOUR WORK AS AN EMPLOYEE OR INDEPENDENT CONTRACTOR, INCLUDING WITHOUT LIMITATION, ANY INDEPENDENT CONTRACTOR AGREEMENT GOVERNING YOUR SERVICES AS A CONTRACTOR. FOR THE AVOIDANCE OF DOUBT, IF YOU ARE A CONTRACTOR, OPTING OUT OF THE ARBITRATION AGREEMENT SET FORTH IN SECTION 14 HAS NO EFFECT ON YOUR AGREEMENT TO ARBITRATE DISPUTES COVERED BY YOUR INDEPENDENT CONTRACTOR AGREEMENT WITH DOORDASH.

(j) Survival. This Arbitration Agreement will survive any termination of your relationship with DoorDash.

(k) Modification. Notwithstanding any provision in the Agreement to the contrary, we agree that if DoorDash makes any future material change to this Arbitration Agreement, it will not apply to any individual claim(s) that you had already provided notice of to DoorDash.

(l) Entire Agreement; Severability. This Arbitration Agreement is the full and complete agreement relating to the formal resolution of disputes covered by this Arbitration Agreement. In the event any portion of this Arbitration Agreement is deemed unenforceable, the remainder of this Arbitration Agreement will be enforceable.

15. Third-Party Interactions

(a) Third-Party Websites, Applications, and Advertisements. The Services may contain links to third-party websites (“Third-Party Websites”), applications (“Third-Party Applications”), and advertisements (“Third-Party Advertisements”) (collectively, “Third-Party Websites and Advertisements”). When you click or tap on a link to a Third-Party Website, Third-Party Application, or Third-Party Advertisement, DoorDash will not warn you that you have left DoorDash’s website or Services and will not warn you that you are subject to the terms and conditions (including privacy policies) of another website or destination. Such Third-Party Websites and Advertisements are not under the control of DoorDash. DoorDash is not responsible for any Third-Party Websites and Advertisements. DoorDash provides links to these Third-Party Websites and Advertisements only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to such Third-Party Websites and Advertisements or their products or services. You use all links in Third-Party Websites and Advertisements at your own risk. You should review applicable terms and policies, including privacy and data gathering practices, of any Third-Party Websites or Third-Party Applications, and make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.

(b) App Stores. You acknowledge and agree that the availability of the Technology and the Services is dependent on the third party from which you received the application license, such as the Apple or Android app store (each, an “App Store”). You acknowledge and agree that this Agreement is between you and DoorDash and not with the App Store. DoorDash, not the App Store, is solely responsible for the Technology and the Services, including the mobile application(s), the content thereof, maintenance, support services, and warranty therefor, and addressing any claims relating thereto (for example, product liability, legal compliance, or intellectual property infringement). In order to use the Technology and the Services, you must have access to a wireless network, and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by the App Store in connection with the Technology or the Services. You agree to comply with, and your license to use the Technology and the Services is conditioned upon your compliance with, all applicable third-party terms or agreements (for example, the App Store’s terms and policies) when using the Technology or the Services. You represent and warrant that you are not located in a country that is subject to a United States Government embargo or similar laws of other countries where applicable, or that has been designated by the United States or Canadian Government as a “terrorist supporting” country, and you represent and warrant that you are not listed on any United States or Canadian Government list of prohibited or restricted parties. You acknowledge and agree that each App Store (and its affiliates) is an intended third-party beneficiary of this Agreement and has the right to enforce the terms and conditions of this Agreement.

16. Transactions Involving Alcohol and Other Age-Restricted Products

You may have the option to request delivery or pickup of alcohol products in some locations and from certain Merchants. You agree that you will only order alcohol products if you, the intended recipient, and anyone who may consume the alcohol products are of legal age to purchase and consume alcohol products in the relevant jurisdiction. You also agree that, upon delivery or pickup of alcohol products, the recipient of any alcohol products will provide valid government-issued identification proving the requisite legal age and that the recipient will not be intoxicated when receiving such products. If you order alcohol products, you understand and acknowledge that the order will only be delivered if the Merchant accepts your order. The person delivering alcohol may be legally obligated to refuse delivery pursuant to applicable federal, state, provincial, or local laws, rules, or regulations, including if the recipient is not of legal age, is visibly intoxicated, or is not physically present to accept the delivery, and will be prompted to refuse delivery if the recipient cannot provide a valid government-issued identification proving requisite legal age, is visibly intoxicated, or is not physically present to accept the delivery. If the delivery of alcohol products cannot be completed for one or more of these reasons, you agree and acknowledge that your purchase is non-refundable and you or the intended recipient may not receive any part of the applicable order, including any non-alcohol items that you may have purchased with your alcohol products, and you may also be subject to a non-refundable Undeliverable Item Fee. Alcohol is not available in all locations that are served by the DoorDash platform. Alcohol may be removed from the platform for specific Users at DoorDash’s sole discretion.

You may also have the option to request delivery or pickup of other age-restricted items from certain Merchants, such as certain over-the-counter medication or other products subject to applicable federal, state, provincial, or local laws, rules, or regulations or Merchant or DoorDash policies requiring age verification. You agree that you will only order age-restricted items if you, the intended recipient, or anyone who may consume such products are of legal age to purchase the items. You also agree that, upon delivery or pickup of age-restricted items, the recipient will provide valid government-issued identification proving the requisite legal age for such age-restricted items. The person delivering age-restricted items will refuse delivery pursuant to applicable federal, state, provincial, or local laws, rules, or regulations, including if the recipient cannot provide a valid government-issued identification proving requisite legal age or is not physically present to accept the delivery. If the delivery of age-restricted items cannot be completed for one or more of these reasons, you agree and acknowledge that your purchase is non-refundable and you may not receive any part of your order, including items that are not age-restricted that you may have purchased with your age-restricted items, and you may also be subject to a non-refundable Undeliverable Item Fee.

17. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless DoorDash and its officers, directors, employees, agents, and affiliates (each, an “Indemnified Party”) from and against any losses, claims, actions, costs, damages, penalties, fines, and expenses, including without limitation, legal and/or attorneys’ fees and expenses, that may be incurred by an Indemnified Party arising out of, relating to, or resulting from (a) your User Content; (b) your misuse of the Technology or Services; (c) your breach of this Agreement or any representation, warranty, condition, or covenant in this Agreement; or (d) your violation of any applicable laws, rules, or regulations through or related to the use of the Technology or Services. In the event of any claim, allegation, suit, or proceeding alleging any matter potentially covered by the agreements in this Section 17, you agree to pay for the defense of the Indemnified Party, including reasonable costs and legal and/or attorneys’ fees incurred by the Indemnified Party. DoorDash reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with DoorDash in asserting any available defenses. This Section 17 does not require you to indemnify any Indemnified Party for any unconscionable commercial practice by such party, or for such party’s negligence, fraud, deception, false promise, misrepresentation or concealment, suppression, or omission of any material fact in connection with the Technology or Services. You agree that the provisions of this Section 17 will survive any termination of your account, this Agreement, or your access to the Technology and/or Services.

18. Disclaimer of Warranties

UNITED STATES FEDERAL LAW AND SOME STATES, PROVINCES, AND OTHER JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN IMPLIED WARRANTIES, SO SOME OF THE EXCLUSIONS IN THIS SECTION 18 MAY NOT APPLY TO YOU. SECTION 18 APPLIES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE TECHNOLOGY AND SERVICES IS ENTIRELY AT YOUR OWN RISK. CHANGES ARE PERIODICALLY MADE TO THE TECHNOLOGY AND SERVICES AND MAY BE MADE AT ANY TIME WITHOUT NOTICE TO YOU. DOORDASH WILL USE REASONABLE ENDEAVORS TO ENSURE THE TECHNOLOGY AND SERVICES ARE AVAILABLE AS MUCH OF THE TIME AS POSSIBLE, BUT DOES NOT GUARANTEE THEY WILL BE AVAILABLE ALL OF THE TIME. THE TECHNOLOGY AND SERVICES ARE PROVIDED ON AN “AS IS” BASIS WITHOUT GUARANTEES, WARRANTIES, OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, GUARANTEES, WARRANTIES, OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR OR GENERAL PURPOSE, AND NON-INFRINGEMENT. DOORDASH MAKES NO WARRANTIES, CONDITIONS, OR REPRESENTATIONS ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE CONTENT MADE AVAILABLE THROUGH THE TECHNOLOGY OR SERVICES, OR THE SERVICES, TECHNOLOGY, TEXT, GRAPHICS, OR LINKS.

DOORDASH DOES NOT WARRANT THAT THE TECHNOLOGY OR SERVICES WILL OPERATE ERROR-FREE OR THAT THE TECHNOLOGY OR SERVICES ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL MALWARE. IF YOUR USE OF THE TECHNOLOGY OR SERVICES RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, DOORDASH SHALL NOT BE RESPONSIBLE FOR THOSE ECONOMIC COSTS.

AUSTRALIA AND NEW ZEALAND ORDERS: FORAUSTRALIA AND NEW ZEALAND ORDERS, NOTHING IN THIS AGREEMENT EXCLUDES, RESTRICTS, OR MODIFIES ANY GUARANTEE, TERM, CONDITION, WARRANTY, OR ANY RIGHT OR REMEDY IMPLIED OR IMPOSED BY ANY LEGISLATION WHICH CANNOT LAWFULLY BE EXCLUDED OR LIMITED, INCLUDING: (a) FOR AUSTRALIA ORDERS, THE AUSTRALIAN CONSUMER LAW, WHICH CONTAINS GUARANTEES THAT PROTECT THE PURCHASERS OF GOODS AND SERVICES IN CERTAIN CIRCUMSTANCES; and (b) FOR NEW ZEALAND ORDERS, THE CONSUMER GUARANTEES ACT 1993 AND THE FAIR TRADING ACT 1986, WHICH CONTAIN GUARANTEES THAT PROTECT THE PURCHASERS OF GOODS AND SERVICES IN CERTAIN CIRCUMSTANCES (EACH, A “NON-EXCLUDABLE PROVISION”).

19. Internet Delays

The Technology and Services may be subject to limitations, delays, and other problems inherent in the use of the Internet and electronic communications. Except as otherwise required by applicable law and subject to the Non-Excludable Provisions, DoorDash is not responsible for any delays, delivery failures, damage, loss, injury, or other economic damage resulting from such problems.

20. Breach and Limitation of Liability

This Section 20 applies to the fullest extent permitted by applicable law, and some provisions in this Section 20 may not apply in certain jurisdictions.

(a) United States and Canada Consumers. This Section 20(a) applies to United States and Canada Consumers. You understand and agree that a key element of the Services and this Agreement is your and our mutual desire to keep the Services simple and efficient and to provide the Technology and Services at low cost. You understand and agree to the limitations on remedies and liabilities set forth in this Section 20(a) to keep the Technology and Services simple and efficient, and costs low, for all Users.

(i) Cap on Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DOORDASH’S AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF AMOUNTS ACTUALLY PAID BY AND/OR DUE FROM YOU TO DOORDASH IN THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH CLAIM. THIS CAP ON LIABILITY SHALL APPLY FULLY TO RESIDENTS OF THE STATE OF NEW JERSEY IN THE UNITED STATES.

(ii) Disclaimer of Certain Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DOORDASH SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY INDIRECT, PUNITIVE, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL, OR OTHER DAMAGES OF ANY TYPE OR KIND (INCLUDING PERSONAL INJURY, LOST PROFITS, PAIN AND SUFFERING, EMOTIONAL DISTRESS, AND LOSS OF DATA, REVENUE, USE, AND ECONOMIC ADVANTAGE). THE FOREGOING DISCLAIMER OF PUNITIVE AND EXEMPLARY DAMAGES, AND THE ENTIRE DISCLAIMER OF DAMAGES FOR PERSONAL INJURY OR PROPERTY DAMAGE, OR FOR ANY INJURY CAUSED BY DOORDASH’S FRAUD OR FRAUDULENT MISREPRESENTATION, SHALL NOT APPLY TO USERS WHO RESIDE IN THE STATE OF NEW JERSEY IN THE UNITED STATES OR THE PROVINCE OF QUÉBEC IN CANADA.

(b) Australia and New Zealand Consumers

(i) Australia Consumers. THIS SECTION 20(b)(i) APPLIES TO AUSTRALIA CONSUMERS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE LIABILITY OF DOORDASH FOR BREACH OF ANY NON-EXCLUDABLE PROVISION IS LIMITED TO ONE OR MORE OF THE FOLLOWING AT DOORDASH’S OPTION: (A) IN THE CASE OF GOODS, THE REPLACEMENT OF THE GOODS OR THE SUPPLY OF EQUIVALENT GOODS, THE REPAIR OF THE GOODS, THE PAYMENT OF THE COST OF REPLACING THE GOODS OR OF ACQUIRING EQUIVALENT GOODS, OR THE PAYMENT OF THE COST OF HAVING THE GOODS REPAIRED; OR (B) IN THE CASE OF SERVICES, THE SUPPLYING OF THE SERVICES AGAIN OR THE PAYMENT OF THE COST OF HAVING THE SERVICES SUPPLIED AGAIN.

(ii) New Zealand Consumers. THIS SECTION 20(b)(ii) APPLIES TO NEW ZEALAND CONSUMERS.

(A) OUR SERVICES COME WITH CONSUMER GUARANTEES UNDER THE CONSUMER GUARANTEES ACT 1993. YOU ARE ENTITLED TO A REPLACEMENT OR REFUND FOR A FAILURE OF SUBSTANTIAL CHARACTER AND YOU MAY ALSO BE ENTITLED TO COMPENSATION FOR ANY OTHER REASONABLY FORESEEABLE LOSS OR DAMAGE. IF THE FAILURE IS NOT OF SUBSTANTIAL CHARACTER, YOU MAY BE ENTITLED TO: (1) IN THE CASE OF GOODS, THE REPLACEMENT OF THE GOODS, THE REPAIR OF THE GOODS, OR A REFUND IF THE GOODS CANNOT BE REASONABLY REPAIRED OR REPLACED; OR (2) IN THE CASE OF SERVICES, THE SUPPLYING OF THE SERVICES AGAIN OR A REFUND. THERE MAY BE OTHER REMEDIES AVAILABLE UNDER THE CONSUMER GUARANTEES ACT 1993, DEPENDING ON THE CIRCUMSTANCES. DOORDASH’S LIABILITY IN RELATION TO ITS PROVISION OF THE SERVICES OR GOODS IS LIMITED TO THE REMEDIES THAT ARE PROVIDED PURSUANT TO THE NON-EXCLUDABLE PROVISIONS AND THE GUARANTEES SET OUT IN SECTION 20(b) OF THIS AGREEMENT.

(B) You agree and acknowledge that if you are in trade and acquire, or hold yourself out as acquiring, the goods or services (as applicable) for business purposes in terms of section 43(2) of the Consumer Guarantees Act 1993, then the Consumer Guarantees Act 1993 does not apply and that its non-application is fair and reasonable.

(C) To the extent permitted by law, where the goods or services (as applicable) are supplied in trade within the meaning of the Fair Trading Act 1986, the parties agree to contract out of sections 9, 12A, 13, and 14(1) of that Act.

(D) You agree and acknowledge that part 3 of the Contract and Commercial Law Act 2017 will not apply.

(E) You agree and acknowledge that you do not rely on the representations or other conduct by DoorDash, including any of its officers, employees, and sales representatives, whether during negotiations prior to these Terms being entered into or at any time subsequent to the entry into the Agreement.

(iii) Cap on Liability (Australia and New Zealand Consumers). THIS SECTION 20(b)(iii) APPLIES TO AUSTRALIA AND NEW ZEALAND CONSUMERS. SUBJECT TO THE NON-EXCLUDABLE PROVISIONS AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DOORDASH’S AGGREGATE LIABILITY UNDER ALL THEORIES OF LAW AND EQUITY (INCLUDING NEGLIGENCE) SHALL NOT EXCEED THE GREATER OF (A) AMOUNTS ACTUALLY PAID BY AND/OR DUE FROM YOU TO DOORDASH IN THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH CLAIM, AND (B) THE REMEDY OR PENALTY IMPOSED BY THE STATUTE UNDER WHICH SUCH CLAIM ARISES. THE FOREGOING CAP ON LIABILITY SHALL NOT APPLY TO LIABILITY OF DOORDASH FOR (Y) DEATH OR PERSONAL INJURY CAUSED BY DOORDASH’S NEGLIGENCE OR WILLFUL MISCONDUCT, OR (Z) ANY INJURY CAUSED BY DOORDASH’S FRAUD OR FRAUDULENT MISREPRESENTATION.

(iv) Disclaimer of Certain Damages (Australia and New Zealand Consumers). THIS SECTION 20(b)(iv) APPLIES TO AUSTRALIA AND NEW ZEALAND CONSUMERS. SUBJECT TO THE NON-EXCLUDABLE PROVISIONS AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DOORDASH SHALL NOT BE LIABLE TO ANYONE FOR ANY INDIRECT, PUNITIVE, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL, OR OTHER DAMAGES OF ANY TYPE OR KIND (INCLUDING PERSONAL INJURY OR LOSS OR CORRUPTION OF DATA, GOODWILL, REVENUE, PROFITS, ANTICIPATED SAVINGS, USE, OR OTHER ECONOMIC ADVANTAGE), UNDER ANY THEORIES OF LAW AND EQUITY (INCLUDING NEGLIGENCE), AND WHETHER OR NOT SUCH LOSS OR DAMAGE WAS FORESEEABLE AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. EXCEPT AS EXPRESSLY PROVIDED IN SECTIONS 6 AND 12, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DOORDASH SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE, OR INJURY WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS, DAMAGE, OR INJURY ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, OUR WEBSITES, THE TECHNOLOGY, OR THE SERVICES, INCLUDING BUT NOT LIMITED TO THE USE OR INABILITY TO USE OUR WEBSITES, THE TECHNOLOGY, OR THE SERVICES, ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY, OR EXISTENCE OF ANY ADVERTISING, OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY MERCHANT, CONTRACTOR, ADVERTISER, OR SPONSOR WHOSE ADVERTISING APPEARS ON OUR WEBSITES OR THE TECHNOLOGY, OR IS REFERRED BY THE TECHNOLOGY OR SERVICES, EVEN IF DOORDASH AND/OR ITS LICENSORS HAVE BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

21. Exclusive Venue

(a) United States Consumers. If you are a United States Consumer, to the extent the parties are permitted under this Agreement to initiate litigation in a court, both you and DoorDash agree that all claims and disputes arising out of or relating in any way to the subject matter of the Agreement, to your access or use of the Services as a User of the Services, to any advertising or marketing communications regarding DoorDash or the Services, to any products or services sold or distributed through the Services that you received as a User of our Services, or to any aspect of your relationship or transactions with DoorDash as a User of our Services (this includes, without limitation, any contract claim, tort claim, statutory claim, or claim for unfair competition), will be litigated exclusively in the state or federal courts located in San Francisco County if you are a California citizen or resident, and in the United States District Court for the District in which you reside if you are not a California citizen or resident.

(b) Canada Consumers. If you are a Canada Consumer, except where prohibited by applicable law (which includes the Province of Québec), to the extent the parties are permitted under this Agreement to initiate litigation in a court, both you and DoorDash agree that all claims and disputes arising out of or relating to the Agreement will be litigated exclusively in the Superior Court of Justice or Federal Court of Canada residing in Toronto, Ontario.

(c) Australia and New Zealand Consumers. If you are an Australia or New Zealand Consumer, to the extent the parties are permitted under this Agreement to initiate litigation in a court, both you and DoorDash irrevocably agree that all claims and disputes arising out of or relating to the Agreement will be litigated non-exclusively in: (i) for Australia Consumers, the state or federal courts located in the State of Victoria, Australia and the Commonwealth of Australia; and (ii) for New Zealand Consumers, the courts located in New Zealand.

22. Termination

If you violate this Agreement, DoorDash may respond based on a number of factors including, but not limited to, the egregiousness of your actions and whether a pattern of harmful behavior exists.

In addition, at its sole discretion, DoorDash may modify or discontinue the Technology or Services, or may modify, suspend, or terminate your access to the Technology or the Services, for any reason, with or without notice to you and without liability to you or any third party. Where required by law, which may include in the Province of Québec, we will provide you with written notice of the suspension or termination of your access to the Technology or the Services, including of the reasons which led us to take such action. In addition to suspending or terminating your access to the Technology or the Services, DoorDash reserves the right to take appropriate legal action, including without limitation, pursuing civil, criminal, or injunctive redress. Even after your right to use the Technology or the Services is terminated, this Agreement will remain enforceable against you. All provisions which by their nature should survive to give effect to those provisions shall survive the termination of this Agreement.

23. Procedure for Making Claims of Copyright Infringement

It is DoorDash’s policy to terminate membership privileges of any User who repeatedly infringes copyright upon prompt notification to DoorDash by the copyright owner or the copyright owner’s legal agent. Without limiting the foregoing, if you believe that your work has been copied and posted on the Services in a way that constitutes copyright infringement, please provide our Copyright Agent with the following information: (a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (b) a description of the copyrighted work that you claim has been infringed; (c) a description of the specific location on the Services of the material that you claim is infringing, including enough information to allow DoorDash to locate the material; (d) your address, telephone number, and email address; (e) a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (f) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. This notice of a copyright infringement claim should be sent to DoorDash’s Copyright Agent at the address set forth below, based on the country in which the copyright owner primarily resides or was formed:

United States: General Counsel, DoorDash, Inc., 303 2nd St., Suite 800 South, San Francisco, CA 94107
Canada: General Counsel, DoorDash Technologies Canada, Inc., 1066 West Hastings St., Suite 2000, Vancouver, BC V6E 3X2, Canada
Australia: General Counsel, DoorDash Technologies Australia Pty Ltd, Level 15, 222 Exhibition St., Melbourne, VIC 3000, Australia
New Zealand: General Counsel, DoorDash Technologies New Zealand, Quigg Partners, Level 7, 36 Brandon St., Wellington, 6011, New Zealand

24. Consumer Marketing Text Messages (United States Consumers Only)

This Section 24 only applies to United States Consumers who request, agree, sign up, or otherwise consent to receive consumer marketing text messages (“Opt In”).

You authorize us to send consumer marketing text messages, including text messages sent via an automatic telephone dialing system, to the phone number associated with your Opt In. Consumer marketing text messages include, by way of example, messages that contain promotional offers or discounts, messages related to goods and services offered by DoorDash, or messages informing you that you still have items in your shopping cart. You do not have to Opt In as a condition of purchase or signing up for, accessing, using, or continuing to use the DoorDash platform. You confirm that you are the subscriber to the relevant phone number or that you are the customary user of that number and that you are authorized to Opt In. If you change or deactivate your phone number, you agree to update your DoorDash account to help prevent us from inadvertently communicating with anyone who acquires your prior phone number.

To stop or unsubscribe from receiving consumer marketing text messages, either reply to such a message with “STOP” or text “STOP” to 63758, and the phone number associated with your Opt In will be unsubscribed from consumer marketing text messages. You may receive a text message to confirm that you have been unsubscribed. If you are experiencing issues with consumer marketing text messages, either reply to such a message with “HELP” or text “HELP” to 63758. For customer support, call 855-431-0459 or visit our Customer Support page.

Message and data rates may apply. Message frequency may vary. We may stop sending consumer marketing text messages to you at any time with or without notice. See our Privacy Policy for how we handle your information. Carriers are not liable for delayed or undelivered messages.

25. General

(a) No Joint Venture or Partnership. No joint venture, partnership, employment, or agency relationship exists between you, DoorDash, or any third-party provider as a result of this Agreement or use of the Technology or Services.

(b) Choice of Law. Without giving effect to any principles that provide for the application of the law of any other jurisdiction, this Agreement is governed by the laws of: (i) for United States Orders, the State of Delaware consistent with the Federal Arbitration Act; (ii) for Canada Orders, and except where prohibited by applicable law (which includes the Province of Québec), the Province of Ontario and the laws of Canada applicable therein; (iii) for Australia Orders, the State of Victoria, Australia; and (iv) for New Zealand Orders, New Zealand.

(c) Severability. Except as otherwise provided in this Agreement, if any provision of this Agreement is found to be invalid or unenforceable under applicable law, the invalidity or unenforceability of such provision shall not affect the validity or enforceability of the remaining provisions of this Agreement, which shall remain in full force and effect.

(d) No Waiver. Unless otherwise required by law, any delay or failure of either party to enforce or insist upon strict compliance with any provision of this Agreement or assert or exercise any right, power, or privilege under any provision of this Agreement shall not be construed as a waiver of such provision nor prevent that party thereafter from enforcing such provision or any other provision of this Agreement.

(e) Consumer Complaints. If you have a complaint about the Services, please visit our Customer Support page. For United States Consumers who are residents of the State of California, and in accordance with California Civil Code § 1789.3, you may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834 or by telephone at (800) 952-5210.

(f) Accessing and Downloading the Application from the Apple App Store. The following applies to any Technology accessed through or downloaded from the Apple App Store (an “App Store Sourced Application”):

(i) You acknowledge and agree that (A) the Agreement is concluded between you and DoorDash only, and not Apple; and (B) DoorDash, not Apple, is solely responsible for the App Store Sourced Application and content thereof. Your use of the App Store Sourced Application must comply with the App Store Terms of Service.

(ii) You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App Store Sourced Application.

(iii) In the event of any failure of the App Store Sourced Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for the App Store Sourced Application to you and to the fullest extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App Store Sourced Application. As between DoorDash and Apple, any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty or condition will be the sole responsibility of DoorDash.

(iv) You and DoorDash acknowledge that, as between DoorDash and Apple, Apple is not responsible for addressing any claims you have or any claims of any third party relating to the App Store Sourced Application or your possession and use of the App Store Sourced Application, including, but not limited to: (A) product liability claims; (B) any claim that the App Store Sourced Application fails to conform to any applicable legal or regulatory requirement; and (C) claims arising under consumer protection or similar legislation.

(v) You and DoorDash acknowledge that, in the event of any third-party claim that the App Store Sourced Application or your possession and use of that App Store Sourced Application infringes that third party’s intellectual property rights, as between DoorDash and Apple, DoorDash, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim to the extent required by this Agreement.

(vi) You and DoorDash acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement as related to your license of the App Store Sourced Application, and that, upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement as related to your license of the App Store Sourced Application against you as a third-party beneficiary thereof.

(vii) Without limiting any other terms of this Agreement, you must comply with all applicable third-party terms of agreement when using the App Store Sourced Application.

(g) Notice. Where DoorDash requires that you provide an email address, you are responsible for providing DoorDash with your most current email address. In the event that the last email address you provided to DoorDash is not valid, or for any reason is not capable of delivering to you any notices required or permitted by this Agreement, DoorDash’s dispatch of the email containing such notice will nonetheless constitute effective notice. You agree that all agreements, notices, disclosures, payment or renewal notifications, and other communications that DoorDash provides to you electronically (such as through email or posting through the Services, including in your DoorDash account) satisfy any legal requirement that such communications be in writing or be delivered in a particular manner. You agree that you have the ability to store such electronic communications such that they remain accessible to you in an unchanged form. You may give notice to DoorDash by visiting our Customer Support page and initiating a chat with us. Such notice shall be deemed given on the next business day after such notice is actually received by DoorDash.

(h) Transfer and Assignment. This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by DoorDash without restriction. Any attempted transfer or assignment in violation hereof shall be null and void. This Agreement binds and inures to the benefit of each party and the party’s successors and permitted assigns.

(i) Currency. Unless otherwise indicated, all prices and other amounts displayed through the Services are in the currency of the jurisdiction where delivery or pickup occurs.

(j) Use Only Where Legally Allowed. You shall not access or use any portion of the

Services if you are not legally allowed to do so where you are located.

(k) Subcontracting. DoorDash may subcontract any of its obligations under this Agreement without your prior written consent.

(l) Variation of Websites or Technology. We may from time to time vary, modify, or discontinue, temporarily or permanently, any or all of our websites or the Technology.

(m) Language Versions. You acknowledge and agree that (i) the official language of these Terms is English and French for Canada Consumers who reside in the Province of Québec and English for all other consumers, (ii) any discrepancy or conflict between the official language version and any other language version will be resolved with reference to and by interpreting the official language version, and (iii) any other language version that we may make available is being provided only as a courtesy.

(n) Entire Agreement. This Agreement is the final, complete, and exclusive agreement of the parties with respect to the subject matter hereof and supersedes and merges all prior discussions between the parties with respect to such subject matter. However, nothing in this Agreement shall supersede, amend, or modify the terms of any separate agreement(s) between you and DoorDash relating to your work as an employee or independent contractor, including, without limitation, any Independent Contractor Agreement governing your efforts as a Contractor.

26. Contact Information

DoorDash welcomes your questions or comments regarding this Agreement. Please find our contact information below:

United States:

DoorDash, Inc.

303 2nd Street, Suite 800

San Francisco, CA 94107

Customer Support

Telephone Number: +1 (855) 973-1040

Canada:

DoorDash Technologies Canada, Inc.

1055 West Hastings Street

Suite 1700

Vancouver BC V6E 2E9

Customer Support

Telephone Number: +1 (647) 957-7219

Australia:

DoorDash Technologies Australia Pty Ltd ACN 634 446 030

Level 15

222 Exhibition Street

Melbourne, VIC 3000, Australia

Customer Support

Telephone Number: 1800 958 316

New Zealand:

DoorDash Technologies New Zealand NZCN 8252064

Quigg Partners

Level 7, 36 Brandon Street,

Wellington, 6011, New Zealand

Customer Support

Telephone Number: 64-800-001-188

Australia (English)

United States (English)Australia (English)Canada (English)Canada (Français)New Zealand (English)United States (Español)

Get to Know Us

Let Us Help You

Doing Business

Sites

Source: https://hts.hopper.com/legal/commbank-travelbooking

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Commonwealth Bank of Australia and Hopper Travel Booking Terms and Conditions

From time to time, we may change these terms. We recommend that you review them on a regular basis.

1. Use of the CBA Travel Sites

1.1. The CBA Travel Sites are made available by Hopper to eligible CBA credit card and/or debit card holders, as determined by CBA. By using the Sites, you represent and warrant that any profile information you submit is true and accurate, that you are 18 years of age or older and fully able and competent to enter into and abide by these Terms and Conditions.
1.2. Except as otherwise expressly provided in these Terms and Conditions, the services available through CBA Travel are for personal, non-commercial use only. You may only use CBA Travel to make legitimate reservations or purchases for you or other persons for whom you are authorized to act. You represent and warrant that you are not using CBA Travel on behalf of any other third person or entity, or for any commercial purpose. You shall not use CBA Travel to make any speculative, false, fictitious, unauthorized or fraudulent reservations.
1.3. You may not use the CBA Travel Sites if you are identified on any government list of prohibited, sanctioned, or restricted parties, or if you are located in a country that is subject to a government embargo.
1.4. While you may make copies of information related to your booked travel reservations, you may not attempt to access, copy, decompile, disassemble, or reverse-engineer, distribute, sublicense, publish, interrupt, destroy, or interfere with the source code, libraries, databases, algorithms, data, or CBA or Hopper systems or networks that make up the CBA Travel Sites, or attempt to circumvent any security controls included in the CBA Travel Sites. You may not attempt to access the CBA Travel Sites using any automated tools, including without limitation the use of bots, spiders, crawlers, scrapers or other similar tools, or other technology not authorized by CBA and/or Hopper. You may not deep-link to any portion of CBA Travel Sites (including, without limitation, the purchase path for any travel services) or frame, mirror or otherwise incorporate any part of the CBA Travel Sites into any other app or site without Hopper’s prior express written authorization. You may not use the CBA Travel Sites for any purpose that is fraudulent or deceptive. If your right to access the CBA Travel Sites has been previously revoked by CBA and/or Hopper, or is otherwise not authorized by CBA, all use of the CBA Travel Sites is prohibited.
1.5. We reserve the right to refuse access to the CBA Travel Sites or to limit or take away your access at any time and may take all available legal recourse for actual or suspected violations of these Terms and Conditions, including cancellation of bookings and closure of your CBA card account. Any delay by CBA in taking such actions does not constitute a waiver of CBA’s rights to enforce these Terms and Conditions. By making CBA Travel and the Sites available for your use, CBA does not consent to act as your agent or fiduciary. Use of the Sites is void where prohibited.
1.6. As a condition of your use of this Site, you warrant that you will not use this Sites for any purpose that is unlawful or prohibited by these Terms and Conditions.

2. Third-Party Travel Services; Third-Party Websites

2.1. The purchase of third-party travel products and services through the Sites will be governed by and subject to additional terms and conditions from the providers of those services (e.g. airlines, hotels, car rental providers) (“Suppliers”), and subject to laws and regulations imposed by government entities. By making a booking with a third-party travel service Supplier, you agree to abide by all such terms, laws, and regulations. Where possible, Hopper will make these terms available to you on the Sites, and/or as links accessible from the Sites. However, additional applicable terms may be provided on the third-party Supplier’s website, for example, an airline’s cancellation or refund policy. Please read these additional provider terms and conditions carefully prior to purchase, and ensure that you understand the full terms applicable to your airfare, hotel, trip insurance, car rental, or other third-party service. The purchase of certain third-party travel products and services will be subject to these terms and conditions. If you make bookings on behalf of another person(s) with their authorization, you agree that you will inform such other person(s) about these Terms and any third-party terms, rules and restrictions that apply to the bookings made on their behalf. You understand and agree that any violation of third-party Supplier terms of service may result in a cancellation of your bookings, denial of service, and forfeit of any amounts paid, subject to applicable law. Except to the extent required by the Australian Consumer Law, neither Hopper nor CBA is not responsible for any damages resulting from your violation of third-party Supplier terms.
2.2. Some of the websites referenced as links herein are not under the control of Hopper, but rather are exclusively controlled by third parties. You should review the terms applicable to any third-party site that you choose to access. Accordingly, Hopper makes no representations whatsoever concerning such websites. Although Hopper may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by Hopper with respect to such website, its owners or its providers. Hopper is providing these links only as a convenience to you. Hopper has not tested any information, products or software found on such websites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature. IN NO EVENT WILL HOPPER, OR ITS AFFILIATED COMPANIES, BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

3. Payment Authorizations

3.1. In order to make purchases from Hopper and/or from third-party travel service Supplier (e.g., airlines, hotels, rental car providers, property managers, etc.) using the CBA Travel Services and the Sites, you may use an authorized CBA-issued payment instrument or account. Eligible CommBank Yello customers may also use CommBank Yello points to pay all or part of the amount payable for a CBA Travel Booking reservation, subject to additional terms and conditions available at https://www.commbank.com.au/travel/travel-booking.html. If CommBank Yello points are applied to only part of the amount payable, the remaining balance must be paid using an authorized CBA-issued payment instrument or account, or other available method outlined in these terms (such as Travel Credits). Use of CommBank Yello points is subject to the CommBank Yello Program Terms and Conditions and the CommBank Yello points for booking through Travel Booking Terms and Conditions available at commbank.com.au. To complete a purchase, you may need to provide additional information, which will be stored together with information about your CBA payment account. You agree: (i) to provide and maintain accurate, current and complete information for your CBA Travel account, (ii) to maintain the security of your account by not sharing, disclosing, or making available access credentials to any unauthorized person, and (iii) to notify Hopper promptly if you discover or otherwise suspect any security breaches relating to your use of CBA Travel or the Sites. You agree to be responsible for all activities and purchases that occur on the Sites using your CBA Travel account, and you accept all risks of unauthorized access to your CBA Travel account resulting from any act or omission by you in violation of these terms.
3.2. You may change the payment instrument associated with your CBA Travel account or add additional authorized payment instruments at any time. By linking an authorized payment instrument to your CBA Travel account, you represent to Hopper that you are an authorized user of the payment instrument. You are responsible for ensuring that the payment instrument(s) associated with your CBA Travel account is at all times current, non-expired, and valid for payments.
3.3. You authorize Hopper, and/or applicable third-party travel service Supplier, to charge your linked or entered payment instrument(s) for the balance of all purchases or other payment transactions initiated in the CBA Travel Sites using your CBA payment instrument or account, after applying your chosen amount of CommBank Yello points or other available payment methods accepted under these terms (such as Travel Credits), as necessary to complete the purchase, payment or other financial transaction requested or agreed to by you, including without limitation all fees and taxes. Where you apply CommBank Yello points to a CBA Travel Booking reservation, you authorize Hopper and/or CBA, as applicable, to process, deduct, redeem, reverse, reinstate, re-credit or otherwise adjust those CommBank Yello points in accordance with your instructions and the applicable CommBank Yello Program Terms and Conditions and CommBank Yello points for booking through Travel Booking Terms and Conditions. In some cases, Hopper may pass your payment instrument(s) to a third party travel service Supplier (such as an airline, rental car service, property manager or hotel) in order to process your authorized payment. By making a booking, you authorize such transfer of your payment instrument. In the event you are entitled to a reversal, refund, chargeback, or other adjustment associated with a transaction you made using your payment instrument and/or CommBank Yello points, you also authorize a credit to your payment instrument(s) and/or a reversal, reinstatement, re-credit or other adjustment of the relevant CommBank Yello points, as applicable, by Hopper and/or CBA as necessary to execute that transaction, subject to applicable Supplier rules, the CommBank Yello Program Terms and Conditions, the CommBank Yello points for booking through Travel Booking Terms and Conditions and your rights under the Australian Consumer Law.
3.4. In the event that a charge to any payment instrument fails or a CommBank Yello points redemption is unavailable, declined, not completed, reversed, or otherwise fails, you agree to link a new, valid payment instrument or otherwise resolve the outstanding balance within three (3) business days of notification by Hopper or CBA. Your CBA Travel account will be disabled, and all purchased products and third party travel services may be cancelled, until a valid payment instrument is provided and the outstanding uncharged balance or other unpaid amount is resolved. You further authorize Hopper to attempt to re-submit any failed charge to any payment instrument(s) associated with your account at subsequent times until successful for any amount not covered by a valid CommBank Yello points redemption. Hopper is not responsible for any charges imposed by the issuer of your payment instrument as a result of any failed charge or re-charge by Hopper. To the extent that Hopper is unable to successfully charge any payment instrument linked to your Hopper account as payment for authorized transactions or collect any outstanding amount not covered by a completed CommBank Yello points redemption for more than thirty (30) days, you understand and agree that Hopper may employ a collection agency or other business in an effort to collect any outstanding debts and fees associated with your Hopper account, and you will not contest the use of a third party to collect the debt and fees owed to Hopper. You agree that you will be responsible for any legal, court, arbitration or collection agency fees associated with rectifying your Hopper account and all monies owed thereunder. You agree that Hopper, or any agency or business employed by Hopper, has the right to contact you and your heirs via telephone, email or (if not prohibited by law) in-person using the information you provided upon registration or during any contact with Hopper, or any other publicly available or attainable information, in an effort to collect any monies and fees owed to Hopper, whether specifically referenced in these Terms and Conditions or not, and such contact may be made in a manual or automated fashion.
3.5. Unauthorized Transactions; Lost Devices. If any transaction receipt received by you appears incorrect, or was unauthorized or fraudulent, including where it relates to any application, redemption or attempted redemption of CommBank Yello points, you shall notify Hopper immediately, by contacting CBA Travel Support and, where applicable, CBA in accordance with the CommBank Yello Program Terms and Conditions. In the event that you lose any mobile device on which an App linked to your CBA Travel account is installed, you shall notify Hopper immediately by contacting Hopper at privacy@hopper.com. You should always secure any device on which a CBA Travel App is installed.
3.6. Hopper or the third-party travel service Supplier may cancel a booking in the event of non-payment, failure to pay any remaining balance, unsuccessful or reversed CommBank Yello points redemption, payment dispute, rewards dispute, including any dispute relating to the application or redemption of CommBank Yello points, fraud, or suspected fraud, and penalties imposed by Suppliers, up to the full amount of each ticket/reservation, may be applied regardless of whether the booking was paid for using a payment instrument, CommBank Yello points, or both. You may also have rights under the Competition and Consumer Act of 2010, Schedule 2 or other Australian consumer protection laws (herein referred to as the, “Australian Consumer Law”) in these circumstances.
3.7. Some prices and/or fees provided in the Sites for purchases may be displayed to you in a default, or your preferred or selected, currency, although the charge made to your payment instrument by a third-party travel service Supplier will be in a local currency. Where CommBank Yello points are applied to a purchase, the number of Points required and the redemption value attributed to those Points will be determined at the time of redemption in accordance with the CommBank Yello Program Terms and Conditions and the CommBank Yello points for booking through Travel Booking Terms and Conditions, including by reference to the currency in which the booking is priced or processed and the CommBank Yello points conversion rate applicable at that time. In these cases, the amount charged to your payment instrument, if any, including any remaining balance payable after CommBank Yello points are applied to the purchase, may vary from the amount displayed, due to fluctuations in currency exchange rates beyond Hopper’s control. Your payment instrument provider or issuer may also include a fee to process the transaction or convert currency, plus any applicable taxes for international purchases.

4. Hopper Predictions and Sort Order

4.1. Hopper’s price prediction services and notifications provide a powerful tool to assist you in finding the best time to book travel and save money. Hopper works hard to ensure the accuracy of its predictions based on past data and current trends. However, forecasting price movements in a highly competitive, unpredictable global market has inherent limitations, and no prediction tool can be 100% accurate. Accordingly, while Hopper believes strongly in the accuracy of its predictions, Hopper does not guarantee their accuracy, and shall not be liable for any reliance upon them, except as expressly set forth in the terms of any Hopper product purchased by you, such as a Hopper Price Freeze or Auto Price Drop option.
4.2. When you search for flights, hotels or homes, or car bookings, Hopper provides you a number of options for displaying, filtering, and sorting the results.
- 4.2.1. Hopper’s default flight search results provide you first with an identification of the flights identified by Hopper’s algorithms as “Recommended,” including for example as “Best overall,” “Best quality,” “Best price” or “Fastest.” Hopper uses a number of factors to identify a “Recommended” flight, and Hopper’s recommendation algorithms are not impacted by any fees paid to Hopper.
- 4.2.2. Hopper offers different options to display your search hotel results. You can use the “sort by” setting to order your search results based on price, user rating and percentage of savings, or other specific criteria as may be available to you from time to time. If no specific sort order option is selected, Hopper’s default hotel search results provide you with a listing of the properties identified by Hopper as “Recommended” for you based on a number of factors including price, location, amenities, the popularity of the property, the quality of the content provided by the property and the competitiveness of the property’s rates and availability. In addition, when determining the relative order of properties with similar offers in your search results listings, Hopper’s recommendation algorithms may be impacted by the compensation received by Hopper in connection with the reservation, and/or in connection with any hotel marketing programs and/or marketing relationships with certain properties. As we continue to improve our services to provide you with the best service, we may change our search results criteria and may test different default sort order algorithms from time to time.
- 4.2.3. Hopper’s default vacation rentals search results provide you with an identification of the hotels or rentals identified by Hopper as “Recommended” for you based on a number of factors including price, location, and amenities. Hopper’s recommendation algorithms are not impacted by any fees paid to Hopper.
- 4.2.4. Hopper’s default cars search result sort order is based solely on price.

5. Information Applicable to All Third-Party Travel Service Bookings

5.1. Service Guarantee. Hopper’s CBA Travel booking services come with guarantees under the Australian Consumer Law that include: (1) they will be provided with due care and skill; (2) they will be reasonably fit for the specified purpose; (3) they can reasonably be expected to achieve the desired result; and (4) they will be provided within a reasonable time. If we fail to meet any of these guarantees, you may have rights under the Australian Consumer Law.
5.2. Cancellations and changes. Reservations are generally subject to the rules of each Supplier on your itinerary. Subject to your rights under the Australian Consumer Law, some reservations cannot be cancelled for a refund, and itinerary changes are subject to CBA Travel and/or Supplier imposed cancellation or change fees plus applicable fare differential. Refunds, if permitted, may take up to 90 days to process and are subject to the policies of the individual Supplier. All refund requests must be submitted within 30 days after the scheduled departure date and any negotiable documents (i.e. airline tickets, redeemable certificates or vouchers, etc.) issued must be returned to Hopper prior to processing any refund. Refunds will be returned via original payment method, with split-pay transactions using both credit card and rewards being refunded proportionally. Please note: The cancellation policy for reservations made through CBA Travel may differ from the cancellation policy for reservations made directly with the Supplier. You may also have rights under the Australian Consumer Law in these circumstances.
5.3. Compliance with Laws. All bookings made on the CBA Travel Sites shall comply with all applicable governmental laws, rules and regulations including, without limitation, government- sanctions. Such sanctions may prevent Hopper from offering travel to specific destinations or individuals. To assist Hooper with its compliance with laws, rules and regulations, Hopper may ask you for additional information. Any booking made, or in good faith believed to be made, in violation of applicable law, will be cancelled by Hopper, in its sole discretion, with no liability to you other than to issue a refund, if permitted by law or your rights under the Australian Consumer Law.
5.4. Required identification. Approved, government-issued photo identification is required for travel booked via CBA Travel, and must match the full name on the reservation. Some air carriers may also require you to show the credit card used as payment for your ticket(s). If you are booking international travel, you will need a passport, and you may need a visa. You must consult the relevant embass(ies) or consulate(s) for passport and visa information, and for any other requirements applicable to your travel, such as immunization or other health and safety requirements. As requirements may change, you should check for up-to-date information before booking and departure and allow sufficient time for all required applications. It is solely your responsibility to obtain proper travel identification and satisfy all requirements for each location on your itinerary, including layover and stopover destinations. Hopper and CBA are not responsible if you are refused entry onto a flight or into any country due to your failure to satisfy any entry requirements. Government imposed departure or entry taxes may not be included in ticket taxes. Passengers should be prepared to pay these taxes in cash, in local currency, on location. Some governments require airlines to provide personal information about all travellers on their aircraft. The data will be collected either at the airport when you check in or in some circumstances when you make your booking. Please contact the relevant airline you are travelling with if you have any questions about this. Hopper and CBA do not represent or warrant that travel to international destinations is advisable or without risk and is not liable for damages or losses that may result from travel to such destinations. Any fines, penalties, payments, or expenditures incurred as a result of such documents not meeting the requirements of relevant authorities will be your sole responsibility (except to the extent caused by fault on our part).
5.5. Minors. Minors under the age of 18 who are travelling with only one parent may be required to have additional documentation. Please contact your airline or the embassy/consulate of the country from which you are departing and the country to which you are travelling for additional information.
5.6. Accommodations. Hopper and CBA have no special knowledge regarding the suitability for persons with disabilities for any travel itinerary presented via CBA Travel.
5.7. Potential dangers. Hopper and CBA have no special knowledge regarding unsafe conditions, health hazards, weather hazards, or climate extremes at locations to which you may travel. By offering reservations for travel products in particular destinations, Hopper and CBA do not represent or warrant that travel to such areas is advisable or without risk, and is not liable for damages or losses that may result from travel to such destinations. For information concerning possible dangers at international destinations, Hopper recommends contacting the relevant travel authorities for more information.
5.8. Public health. Government, airline and travel service provider COVID-19 travel requirements are subject to change without notice. Before booking, regularly after booking, and immediately before you travel, ensure you check the latest Australian Federal Government’s travel requirements. Visit the Australian Department of Home Affairs website https://covid19.homeaffairs.gov.au/ for more information. As international travel resumes, Australia and all other countries may implement measures which continuously change, including additional health and safety protocols in response to COVID-19 and new variants which may impact your travel. We recommend that you contact the Department of Foreign Affairs and Trade (“DFAT”) or visit their website at www.smartraveller.gov.au for general travel advice, as well as specific advice (including safety alert levels) relating to the destination/s you wish to visit or transit through. You acknowledge that you are choosing to travel at a time where you may be exposed to COVID-19. It is your own responsibility to acquaint yourself with all relevant travel information, including applicable health risks related to COVID or any travel vaccinations or inoculations required or recommended for travel (COVID or otherwise related). You acknowledge that your decision to travel is made based on your own consideration of this information, and you acknowledge and agree that you are aware of, and assume responsibility for, the risks associated with travelling at this time. To the fullest extent permitted by law, we accept no liability in relation to these additional risks. Whether any medical requests can be accommodated, including (without limitation) access to power, refrigeration and travelling with the use of mobility aids, is subject to the Supplier in their sole and absolute discretion, and will often depend on several factors, including (without limitation) any modes of transport and local standards at the destination. All medical requests are beyond our control. While we will include all medical requests as a file note to the travel service provider, we cannot guarantee that your request will be accommodated. It is your responsibility to follow up with the travel service provider directly either at the destination or prior to travelling where possible.
5.9. Tickets. The passenger's ticket(s), when issued, or the electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger. Hopper and CBA shall have no liability for any actions or omissions of the Supplier, except where required by applicable law.
5.10. Credits and vouchers. Hopper and CBA shall have no responsibility for any credit or voucher issued by any Supplier, and any questions or issues you may have with respect to such credit or voucher must be addressed directly with the Supplier. Hopper will only allow and facilitate usage of travel credits issued by airlines for bookings made through the Sites.
5.11. Special requests and upgrades. Special requests made to a Supplier are on a request-only basis and cannot be guaranteed. Fees, taxes and charges may apply, depending on the service request. Upgrades are not permitted on certain itineraries. Please check with the Supplier directly. Supplier policies are subject to change at any time without notice.
5.12. Loyalty programs Certain rate types do not permit credit for airline frequent flyer programs or car or hotel loyalty programs. The name connected to the frequent flyer program or loyalty program must match the traveller listed on the itinerary or the Supplier may invalidate the booking. You may see a difference between airline loyalty miles received and the amount paid.
5.13. Luggage. Hopper and CBA are not responsible for any lost, damaged, or delayed luggage.
5.14. Supplier Insolvency. Without limiting anything herein, for the avoidance of doubt, in the event of a Supplier being unable to provide you with the product and/or service you have booked due to that third party provider becoming insolvent or being placed under external administration, subject to your refund and remedy rights under the Australian Consumer Law, we have no obligation to reimburse you for the cost of your booking, or for any loss or damage you may otherwise suffer as a result of any such insolvency or external administration.

6. Information Applicable to Flight Bookings

6.1. General ticket rules. Subject to your rights under Australian Consumer Law, Airline tickets are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by airline fare rules and, if permitted, are subject to airline rules, airline penalties up to the full amount of each ticket plus, in the case of a changed ticket, fare difference charges, and may also be subject to Hopper and/or CBA Travel fees. If there is more than one carrier on your itinerary, airline rules, airline penalties and change fees may apply to EACH airline on your itinerary and each change made.
6.2. Unused or cancelled tickets. Subject to your rights under Australian Consumer Law, If the ticket is refundable, there may be cancellation fees to refund the ticket. Unused tickets may have no value if not cancelled prior to the scheduled departure date/time as specified by the airline's fare rules. Failure to use any reservations may result in automatic cancellation of all continuing and return reservations. You must advise your carrier if your travel plans change en route. Tickets cannot be reassigned or transferred to a different passenger or airline.
6.3. Additional services and fees. Airlines may impose additional costs and fees for baggage, meals, beverages and other services. These costs are your sole responsibility. For information regarding airline liability limitations, baggage liability and other regulations of the Montreal Convention, and other regulations, please consult your air carrier.
6.4. Flight availability. A small number of air carriers may require Hopper to confirm flight availability when booking. If there is any issue with availability, you will receive an email notification of the unavailability and will be refunded to your original payment method for any charges.
6.5. Airline travel credits. In some situations an airline may issue you a credit “in lieu of” a refund according to the fare rules associated with the individual booking. If a credit is issued by an airline, it is held by the airline in the name of the individual who was the passenger of record on the original reservation. This credit can be used towards the payment for the booking of a new trip, subject to the terms and conditions of the credit-issuing airline.
6.6. Flight schedules. Flight schedules are subject to change. Hopper may inform you of schedule changes in some scenarios, but is not responsible for any schedule change(s) or notifying you of such change(s). It is your responsibility to confirm the scheduled departure time(s) on the airlines' websites at least 48 hours prior to departure for domestic flights and at least 72 hours prior to departure for international flights to learn if your flight schedule changed.
6.7. Check-in time and requirements. Check with each airline regarding its specific boarding and check-in requirements. We recommend that you check-in before arriving at the airport, where such advance check-in is offered by our airline. Some airlines offer advance check-in beginning 24 hours before departure. CHECK-IN TIME: The time shown on the itinerary/receipt is the departure time of the aircraft. Flight departure time is not the same as the time you must check-in or the time you must be available for boarding. Your carrier may refuse your carriage if you are late. Check-in times, as advised by your carrier, are the latest times at which passengers can be accepted for travel; boarding times, as advised by your carrier, are the latest times at which passengers must present themselves for boarding. Flight cannot be held for late-arriving passengers, and CBA accepts no responsibility in such cases.
6.8. Aircraft. Turboprop aircraft may exist on your itinerary. Airlines reserve the right to change aircraft equipment without notice to the booking travel agency or the consumer.
6.9. Code-sharing. If a code-share flight exists in your itinerary (a flight where two or more airlines share the same flight), passengers must check in with the operating airline on the day of departure.
6.10. Tickets and boarding passes. All tickets will be issued at the time of booking as e-tickets. You will receive a boarding pass upon checking in with the airline digitally or at the airport.
6.11. Seat selection. Advance seat assignments, if available and allowed by airline, are not guaranteed and could be subject to additional fees. Please inquire with the airline.
6.12. Large group bookings. You may add up to 6 passengers onto a single booking. If you need to book for more than 6 passengers, you may do so for any remaining passengers via another booking. Each booking will have a maximum of 6 passengers. Please ensure that you do not duplicate passenger names across bookings with identical flights and dates. If multiple bookings are identical, including passenger names, they are considered duplicate bookings and will be subject to cancellation by the airline.
6.13. Unaccompanied minors policy. Unfortunately, due to airline contracts, Hopper and CBA Travel cannot support travellers less than 18 years old, unless they are travelling with an adult (age 18 or older) who is named on the same itinerary. If you want to book a flight for an unaccompanied minor, please book directly through the airline.
6.14. EU traveller rights. If you are travelling into or out of the European Union, or on an EU-based airline, You may have rights in the event that your flight is cancelled, delayed or you are denied boarding. Please consult Regulation (EC) 261/2004 for more information.
6.15. Hazardous materials. The carriage of hazardous materials aboard aircraft in your luggage or on you is generally forbidden.
6.16. Baggage allowance. Excess valuation may be declared on certain types of articles. Carriers may apply special rules for fragile, valuable, or perishable articles. Check with your carrier. Carriers may permit a free checked baggage allowance, which is set by the carrier and may differ by class, and/or route. Carriers may apply extra charges for checked baggage in excess of their permitted allowance. Check with your carrier. Cabin (Unchecked) Baggage: Carriers may permit a free cabin baggage allowance, which is set by the carrier and may differ by class, route, and/or aircraft type. It is recommended that cabin baggage be kept to a minimum. Check with your carrier. If more than one carrier is providing the transportation for your journey, each carrier may apply different rules on baggage (both checked and cabin).
6.17. ADVICE TO INTERNATIONAL PASSENGERS ON LIMITATIONS OF LIABILITY. PASSENGERS EMBARKING UPON A JOURNEY INVOLVING AN ULTIMATE DESTINATION OR A STOP IN A COUNTRY OTHER THAN THE COUNTRY OF DEPARTURE ARE ADVISED THAT THE PROVISIONS OF AN INTERNATIONAL TREATY (THE WARSAW CONVENTION, THE 1999 MONTREAL CONVENTION, OR OTHER TREATY), AS WELL AS A CARRIER’S OWN CONTRACT OF CARRIAGE OR TARIFF PROVISIONS, MAY BE APPLICABLE TO THEIR ENTIRE JOURNEY, INCLUDING ANY PORTION ENTIRELY WITHIN THE COUNTRIES OF DEPARTURE AND DESTINATION. THE APPLICABLE TREATY GOVERNS AND MAY LIMIT THE LIABILITY OF CARRIERS TO PASSENGERS FOR DEATH OR PERSONAL INJURY, DESTRUCTION OR LOSS OF, OR DAMAGE TO, BAGGAGE, AND FOR DELAY OF PASSENGERS AND BAGGAGE. ADDITIONAL PROTECTION CAN USUALLY BE OBTAINED BY PURCHASING INSURANCE FROM A PRIVATE COMPANY. SUCH INSURANCE IS NOT AFFECTED BY ANY LIMITATION OF THE CARRIER’S LIABILITY UNDER AN INTERNATIONAL TREATY. FOR FURTHER INFORMATION PLEASE CONSULT YOUR AIRLINE OR INSURANCE COMPANY REPRESENTATIVE. THIS LIABILITY CLAUSE IS SUBJECT TO YOUR RIGHTS UNDER AUSTRALIAN CONSUMER LAW AND NOTHING IN THESE TERMS AND CONDITIONS IS INTENDED TO LIMIT ANY RIGHTS YOU MAY HAVE UNDER AUSTRALIAN CONSUMER LAW.
6.18. Notice of Contract Terms Incorporated by Reference. Your contract of carriage with the carrier that provides you with carriage by air, whether international, domestic or a domestic portion of an international journey is subject to this notice; to any notice or receipt of the carrier; and to the carrier’s individual terms and conditions (“Conditions”), related rules, regulations and policies (“Regulations”) and any applicable tariffs. If your carriage is by more than one carrier, different Conditions, Regulations and any applicable tariffs may apply for each carrier. The Conditions, Regulations and any applicable tariffs of each carrier are, by this notice, incorporated by reference into and made part of your contract of carriage. The Conditions may include, but are not restricted to: (a) Conditions and limits on the carrier’s liability for the bodily injury or death of passengers; (b) Conditions and limits on the carrier’s liability for the loss of, damage to or delay of goods and baggage, including fragile or perishable goods; (c) rules for declaring a higher value for baggage and for paying any supplementary fee that may apply; (d) application of the carrier’s Conditions and limits of liability to the acts of the carrier’s agents, servants and representatives, including any person providing either equipment or services to the carrier; (e) claims restrictions, including time limits by which passengers must file claims or bring actions against the carrier; (f) rules about reconfirmations or reservations; check in times; the use, duration and validity of air transportation services; and the carrier’s right to refuse carriage; (g) rights of the carrier and limits on the carrier’s liability for delay or failure to perform a service, including schedule changes, substitution of alternative carriers or aircraft and re-routing, and, when required by applicable law, the obligation of the carrier to notify passengers of the identity of the operating carrier or substituted aircraft; and (h) rights of the carrier to refuse carriage to passengers who fail to comply with applicable laws or who fail to present all necessary travel documents. You can obtain additional information on items (a) through (h) above and about your contract of carriage (including how to request a copy thereof) at places where transportation on the carrier is sold. Many carriers also have this information on their websites. When required by applicable law, you have the right to inspect the full text of your contract of carriage at the carrier’s airport and sales offices, and upon request, to receive a copy by mail or other delivery service from each carrier free of charge. If a carrier sells air transportation services or checks baggage specifying carriage on another carrier, it does so only as an agent for the other carrier. CARRIERS RESERVE THE RIGHT TO REFUSE CARRIAGE TO ANY PERSON WHO HAS ACQUIRED A TICKET IN VIOLATION OF APPLICABLE LAW OR THE CARRIER’S TARIFFS, RULES OR REGULATIONS. YOU CANNOT TRAVEL IF YOU DO NOT HAVE ALL REQUIRED TRAVEL DOCUMENTS, SUCH AS PASSPORT AND VISA. PASSENGER SHALL ARRIVE AT AIRPORT BY TIME EARLY ENOUGH TO COMPLETE DEPARTURE PROCEDURES. GOVERNMENTS MAY REQUIRE YOUR CARRIER TO PROVIDE INFORMATION ON OR PERMIT ACCESS TO PASSENGER DATA, INCLUDING INFORMATION WE MAY BE REQUIRED TO COLLECT FROM YOU DURING THE RESERVATION PROCESS.

7. Information Applicable to Hotel/Lodging Bookings

7.1. General hotel booking rules. Subject to your rights under Australian Consumer Law, Hotel rooms are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by the terms of the room/rate description. Check the terms carefully before making a hotel reservation for cancellation or change terms and fees. For rooms that are non-refundable, if you change or cancel your reservation at any time, you will still be charged the full reservation amount of room and tax for the entire stay. Early check-out from a hotel is not subject to a refund, unless allowed by the Supplier. If permitted, cancellations or modifications received at any time may be subject to a CBA Travel fee in addition to any Supplier fees. Please note that reservations do not include services not specified in the reservation confirmation.
7.2. Cancellations. Contact Hopper via the number listed on your itinerary for all cancellation or change requests. Cancellations or changes handled by the hotel directly may result in additional fees and/or the forfeiture of any refund due. When cancelling hotel reservations, retain your cancellation number so you will not be held responsible for cancellation charges if you cancel within the permitted cancellation window and the hotel makes an error.
7.3. Non-transferability. Hotel room reservations cannot be transferred or reassigned to another traveller and cannot be resold. If we determine that you have transferred or re-sold a reservation, those reservations are subject to cancellation and will incur applicable cancellation fees in accordance with the rate description.
7.4. No shows and lateness. Subject to your rights under Australian Consumer Law, no shows are non-refundable and will result in a forfeiture of all payments made and used by you in connection with the reservation, without credit due. If you think you may arrive at a hotel late, please contact the hotel directly to arrange for late arrival, if available. Actual times for "late" vary by hotel.
7.5. Check-in requirements. The hotel will require a major credit card, in the name of one of the guests, or a cash deposit upon check-in. Government-issued photo identification is required at check-in and must match the name on the reservation. Some properties have a minimum age requirement for check-in. In some cases, your name may not be provided by CBA Travel to the hotel until 24 hours prior to your arrival, due to hotel Supplier policies applicable to our preferred rates.
7.6. Incidental charges. Hotel reservations include room and applicable hotel taxes only. Any additional hotel charges, such as resort fees and hotel energy surcharges and cleaning fees, and any charges for incidentals that you incur are not included in your reservation rate and must be paid directly to the hotel. Incidental charges may include but are not limited to parking fees, baby sitting, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, and gratuities.
7.7. Special requests. Policies for children vary by hotel. Please contact the hotel directly to learn whether child benefits are offered and whether there are child restrictions. Additionally, please contact the hotel directly for any special requests, such as bed type, smoking preferences or in-room amenities. Special requests are subject to hotel availability.
7.8. Potential renovations and refurbishments. A reasonable attempt will be made to notify guests of hotel renovation or refurbishment if Hopper knows of the same; however, Hopper shall not be liable for any failure to provide such notification or for damages that may result from renovation or refurbishment.
7.9. Hotel ratings. Third-party hotel ratings displayed on the Sites are intended as only general guidelines, and Hopper does not guarantee or endorse any hotel, or the accuracy of any ratings.
7.10. Taxes. To the extent applicable, you acknowledge and agree that the supplier shall be treated by any tax authority in any pertinent jurisdiction as the supplier to the customer of e-collect bookings and the travel service component of an API partner package (where applicable) for VAT purposes as applied by Directive 2006/112/EC (where applicable) and any equivalent domestic legislation in any country.

8. Information Applicable to Rental Car Bookings

8.1. General rental car booking rules. Car rental redemptions may not be available for all locations and destinations. Subject to your rights under Australian Consumer Law, Cancellations or modifications received at any time are subject to the Supplier’s cancellation policies and cancellation fees which could be up to the full amount of the reservation and may also be subject to a CBA fee.
8.2. No shows. Subject to your rights under Australian Consumer Law, no shows are non-refundable and will result in a total forfeiture of any payments made and used by you in connection with the reservation, without credit due.
8.3. Early returns. The early return of car rentals is not eligible for a refund, regardless of situation or notification to the car rental company.
8.4. Additional fees and surcharges. Any additional taxes, fees and surcharges are subject to change without notice, may vary by location, and may be charged to the customer at pick-up.
8.5. Rental rates and rental periods. Rental rates are based on 24-hour periods and may be subject to additional fees depending on time of return, including but not limited to hourly rental charges, which will be billed directly to you by the car rental company. Certain car rentals may have a minimum rental period. Any rentals less than the required minimum days may be charged the minimum rental period.
8.6. Additional charges. Charges for optional services such as insurance, fuel, additional or underage drivers, and special equipment charges, are not included in your rental and must be paid directly to the car rental company. Car rental rates do not include collision damage waiver insurance and theft protection unless specified. Please contact your insurance company if you are unsure whether to accept rental car company insurance at the counter.
8.7. Vehicle. Hopper does not guarantee a specific make, model, or colour of vehicle no matter what vehicle is reserved.
8.8. Age requirements. Renters must meet the minimum (and maximum, if applicable) age requirement where the car is being rented, have a valid driver's license, major credit card and some Suppliers require a good driving record. Most rental car companies do not accept debit cards. Some Suppliers charge a surcharge for drivers above or below certain ages, which is collected by the Supplier at the time of pickup. Suppliers reserve the right to deny car rentals for any reason, including past driving records.
8.9. One way rentals. One way rentals may or may not be permitted. If there are additional fees for one way rentals, when permitted, these fees will not be included in the cost of the reservation. A reasonable attempt to advise of these fees will be made when this information is available to Hopper.

9. Terms for Additional Products and Features

9.1. The CBA Travel Sites may offer a number of Hopper proprietary products for sale, including Hopper Price Freeze (for Air, Hotels or Cars), Flex It bookings (for Air or Hotels), Leave for any Reason, Refundable Fares, Extend Your Void Window, Auto Price Drop, Rapid Rebook and other similar products (“Flexibility Products”), which aim to increase the flexibility of purchased travel items. The purchase of each Flexibility Product is subject to specified terms and conditions that will be made available to you at the time of purchase, and the terms set forth below. These Products are NOT regulated financial products such as insurance, and the specified terms and conditions are not offers to insure or an insurance contract, and do not take the place of insurance obtained or obtainable by you.
9.2. If offered, the additional products and features made available by Hopper through CBA Travel are subject to additional applicable terms and conditions presented prior to the time of purchase. Availability of these services may vary based on the type of your CBA account or card, and not all services are available to all customers or on all bookings. The availability of the services is subject to change without prior notice. Additional fees may apply.
9.3. Terms Applicable to Flex It bookings (Air and Hotel)
- 9.3.1. In connection with flight and/or hotel bookings via the CBA Travel Sites, Hopper may offer a “Flex It” booking option for an additional fee that enables the User to cancel an otherwise non-refundable flight or hotel booking for any reason, and receive a full or partial refund of the purchase price paid for the flight or hotel at the time of booking. Purchases of a “Flex It” booking option in connection with any flight or hotel booking is subject to the following terms as set forth in this Section 9.3. Availability and pricing of the Flex It booking option may vary, and not all services are available to all customers or on all bookings. Hopper may revise these terms at any time by updating this posting.
- 9.3.2. The Flex It booking option for flights entitles you to cancel your flight purchase for any reason, within the time period specified to you at the time of purchase and stated in your confirmation email, prior to your first scheduled departure and receive the refund amount (full or partial) as offered to you at the time of purchase of the Flex It option from Hopper via the CBA Travel Sites. The amount of the refund that your Flex It booking option entitles you to receive may vary. Please review the terms presented at the time of purchase carefully.
- 9.3.3. The Flex It booking option may only be purchased at the time of booking and may not be added after the booking. The Flex It booking option must be purchased for all passengers on the booking, and for all segments or legs of such booking. Hopper reserves the right to deny purchases of the Flex It booking option for any reason permitted by law (e.g., fraud or misuse).
- 9.3.4. The Flex It Fee is Non-refundable. The fee paid for the Flex It booking option is non-refundable and is only valid for the booking for which the option to cancel for any reason was purchased. The option to cancel for any reason is not transferable and cannot be carried over to any future bookings.
- 9.3.5. Cancellation procedure. If you have purchased a Flex It booking option with any flight, you will have the option to cancel that flight for any reason within the time period specified to you at the time of purchase and stated in your confirmation email prior to your first scheduled departure by visiting the CBA travel Sites, navigating to the “My Trips” section, and selecting your flight itinerary. No documentation or reason will be required in order to cancel. After this deadline has passed, the option to cancel for any reason will expire and any changes or cancellations to your purchased flight will be subject to the fare rules imposed by the respective airline carrier for your ticket. Exercising your Flex It booking option to cancel any flight in the booking will result in a cancellation of all purchased flights for that traveller for all legs or segments (i.e., outbound and return flights). If multiple travellers are on the flight booking, you may be able to cancel the flight for individual travellers by calling Hopper, or for all passengers by cancelling online. Cancellations cannot be reversed.
- 9.3.6. Refund method and amount. By purchasing the Flex It booking option, you will be eligible to receive a partial refund from Hopper of the purchase amount paid for your flight. Any Flex It refund amount paid will include a portion of the base fare and all related taxes and fees. The Flex It booking option does not entitle you to a full refund of all trip costs. Any paid add-ons, such as baggage, seat or boarding order selection, and the Flex It booking fee, are not refundable and will not be included in the refund amount. The refund portion is specified upon your purchase of the Flex It booking option. Refunds are typically processed within five (5) business days.
- 9.3.7. Exclusions. The Flex It booking option to cancel for any reason does not apply following the earlier of:
  * 9.3.7.1. A cancellation of any flight by an airline carrier for any reason, including the result of a force majeure event; or
  * 9.3.7.2. Any voluntarily cancellation or change requested by you directly with any airline, of any tickets subject to the cancel for any reason.
  * 9.3.7.3. In the event of such cancellation or change, your option to cancel for any reason shall expire immediately and a refund of your flight purchase will be subject to the fare rules imposed by the respective airline carrier for your ticket.
- 9.3.8. Modifications. If your purchased Flex It flight booking has been modified at your request after booking, the Flex It booking option will apply only to the original amount of the purchased trip. Certain modifications, such as changes to a passenger name or changes not applicable to all passengers on a multi-passenger booking, may require that you contact Hopper in order to use your Flex It option.
9.4. Terms Applicable to the Best Price Guarantee
- 9.4.1. Eligibility. Hopper offers a Best Price Guarantee in connection with flight booking purchases made through the CBA Travel Sites that entities you to a price match if you find the same itinerary on another eligible competing site at a lower price and let Hopper know within 24 hours of booking, subject to the terms and conditions set forth in this Section 9.4.
- 9.4.2. Qualification Criteria. To qualify for the Best Price Guarantee price match, you must keep your original itinerary and the lower-priced itinerary found must be:
  * 9.4.2.1. An exact match to the original itinerary with a price that was available within 24 hours of the original booking confirmation (including the cancellation policy, i.e. refundable or non-refundable, etc.);
  * 9.4.2.2. Priced in AUD, including any taxes and fees;
  * 9.4.2.3. Available to the general public. For example, this means that the rate doesn’t require the customer to log into a site or have a special membership or an available discount personal to the customer; and
  * 9.4.2.4. Available at the time you contact Hopper. Our agent must be able to verify that the lower price exists on the site that you identified.
- 9.4.3. How to make a price match claim. You must submit a Best Price Guarantee price match claim through the Hopper Customer Support team. Agents are available 24X7 and can be contacted via information provided on the CBA Travel Site, and in connection with your booking confirmation. To submit the price match claim, the following information must be provided:
  * 9.4.3.1. The trip ID of the original booking;
  * 9.4.3.2. The amount of the lower price; and
  * 9.4.3.3. The website where you found the lower price so that our agents can verify it.
- If the claim is verifiable, our agents will process the claim quickly and authorize the grant of Travel Credits (subject to the terms set forth in Section 10). If our agents are unable to verify the lower price, we will verify offline and will attempt to respond within 24 hours, though it may take longer in certain cases. If the claim is verifiable, you will receive an email confirmation of your Travel Credit. If the claim is not verifiable after an offline review, you will be notified of the decline by email, and you may not receive a travel credit.
- 9.4.4. Refund method and amount. For reservations that meet the Best Price Guarantee price match criteria, we will credit you, as Travel credit, the difference between the original booking and cheaper exact itinerary. Receipt and use of ‘Travel Credits’ are subject to certain terms and conditions – see the “Travel Credits” section (Section 10) in these terms and conditions for more information.
- 9.4.5. Forfeiture of Travel Credits. You must keep (and not cancel) your original itinerary booking in order to be eligible for the Best Price Guarantee price match ‘Travel Credits’. If you cancel your original itinerary after receiving a Best Price Guarantee grant of Travel Credit, any Travel Credits you received from that Best Price Guarantee will be voided and will no longer be available for you to use.
- 9.4.6. Exclusions. The itinerary you submit must be the exact same as the original booking itinerary via the CBA Travel Sites. If the itineraries are not the same, the Best Price Guarantee will not apply. For flights to be the exact same, the following conditions need to be the exact same:
  * 9.4.6.1. Both itineraries need to be for the exact same flight at the same time;
  * 9.4.6.2. The class of both flights are the same (i.e., both are economy class);
  * 9.4.6.3. They have identical add-ons (i.e., additional baggage, seat selection); and
  * 9.4.6.4. The cancelation policy of the flight is the same.
9.5. Terms Applicable to Auto Price Drop
- 9.5.1. Eligibility. If Hopper recommends via the CBA Travel Sites that it is a good time to book a flight now based on the price prediction services, and if you book and purchase a recommended non-refundable flight, you will automatically receive from Hopper an Auto Price Drop service for that flight booking purchase at no additional charge.
- 9.5.2. Price Drop Service Monitoring Period. Once Auto Price Drop is applied to a flight booking, Hopper will monitor the price of that itinerary (with the same flight, fare class, seat selection if applicable, etc.) via available Hopper partner inventory for ten (10) calendar days after the day of purchase, or until the day prior to departure, whichever is earlier. The Auto Price Drop service will not be applied after ten (10) calendar days from the day of purchase.
- 9.5.3. Issuing Auto Price Drop Travel Credit. For flight bookings that are subject to an eligible drop in price during the monitoring period, a credit will be issued, as Travel Credit, up to AU$50 per booking. The difference between the original booking price and the lowest price found during the monitoring period will be the amount refunded at the end of the period. Receipt and use of Travel Credits are subject to certain terms and conditions - see the “Travel Credits” section (Section 10) in these terms and conditions for more information.
- 9.5.4. Auto Price Drop Exclusions. If you void or cancel the flight after booking, Hopper will not provide the Auto Price Drop service, or any Travel Credit. If a price drop during the monitoring period does not exceed a minimum of AU$5, no Travel Credits will be issued. The Auto Price Drop service will only be applied to non-refundable flight bookings following a price prediction recommendation (in the price prediction screen during flight search) that the flight price is a ‘Great Price.’
9.6. Terms Applicable to Rapid Rebook Service
- 9.6.1. Hopper may make available to you the Rapid Rebook Service. When you purchase the Rapid Rebook Service, you have access to a free rebooking service in the event your originally scheduled flight is disrupted on the day of your trip. Availability of this service may vary, and not all services are available to all users or on all bookings. Hopper may revise these Terms and Conditions at any time by updating this posting.
- 9.6.2. Purchases. The fee for the Rapid Rebook Service is a service fee. If purchased, the Rapid Rebook Service will apply to the purchaser and other passengers on the same booking (“you”), so long as it was purchased at least twenty-four (24) hours in advance of your scheduled departure. The fee to purchase Rapid Rebook Service is assessed per flight booking and provides the service for all passengers included on the travel itinerary at the time of booking, up to the maximum value of the per passenger Service Cap. If there is more than one passenger on the booking, the passenger who made the booking shall determine how to exercise the Rapid Rebook Service, which shall apply to any other passenger included on the booking.
- 9.6.3. How it Works. You may use the Rapid Rebook Service once per your booked itinerary and only in the event that within 24 hours of the original departure time of your flight, your flight is either delayed by more than the time specified under your purchased service (which will be disclosed to you prior to purchase) or is canceled by the airline (a “Flight Disruption”). In the event of a Flight Disruption, you will have the option to rebook your disrupted flight on a qualifying flight through CBA Travel at no cost, up to the maximum cost per passenger specified to you at the time of purchase and stated in your confirmation email (“Service Cap”), or, if you are not satisfied with your rebooking options, to receive a refund of your full base fare. We will notify you when we detect a Flight Disruption and direct you to rebook through CBA Travel. If you elect to use the Rapid Rebook Service and the per passenger costs of the new flight exceed the Service Cap, you will be required to pay the per passenger costs in excess of the Service Cap at the time of re-booking. If you are not satisfied with your rebooking options, you will have the option to get a refund of your full base fare (including taxes and fees) booked through CBA Travel. Requesting a refund does not require you to contact your airline. However, if you receive a refund through the Rapid Rebook Service, you will not have the option to request an additional refund for the same ticket through the airline directly. See Section 9.6.8 (below) for more details about receiving a refund. If no decision to use the flight disruption assistance service is made, the service will expire twenty-four (24) hours after the last flight of your booked trip.
- 9.6.4. Eligible Reasons for Flight Disruptions. To be eligible to use the Rapid Rebook Service, the Flight Disruption must occur while you are in transit and traveling to or from your destination. “In-transit” means the disruption must have occurred within twenty-four (24) hours of your scheduled departure time for the impacted flight. The reason the flight was delayed or canceled must be due to an eligible reason. Eligible reasons include, but are not limited to, delays or cancellations, in each case due to airline issues, customs issues or weather. All determinations of whether a disruption was due to an eligible reason will be at the discretion of CBA Travel.
- 9.6.5. Exclusions. The service does not apply following the earlier of:
  * 9.6.5.1. A cancellation or modification of any flight by an airline carrier for any reason, including the result of a force majeure event; or
  * 9.6.5.2. Any voluntary cancellation or modification requested by you for any of the tickets subject to the service.
  * 9.6.5.3. In the event of such cancellation or modification, your purchased service shall expire immediately and a change to your travel dates or a refund of your purchased flight booking will be subject to the fare rules imposed by the respective airline carrier for your ticket.
- 9.6.6. Things to Know About Booking a New Flight. If a Flight Disruption occurs and you elect to use the service to rebook a new ticket on a qualifying flight, you must be able to arrive at the gate of the new or new connecting flight in time to board. CBA Travel is not responsible for ensuring you arrive at the gate on time and will not pay any additional costs if you miss your new flight. Additionally, please note:
  * 9.6.6.1. Checked luggage: If you have any checked luggage, you must coordinate directly with the original airline to retrieve your luggage before or after your new flight. CBA Travel is not responsible for any baggage retrieval and will not cover any baggage fees.
  * 9.6.6.2. Return flights or additional flights on your itinerary: If you elect to use this service, you are solely responsible for confirming with the airline on your original booking that the remainder of the flights in your booking, including any return flights, will not be canceled. If you elect to use the service and have a return flight or remaining legs of your trip that you wish to use, call your original airline directly to: (1) let them know you have found alternate travel for your disrupted flight and (2) request confirmation that any additional or return flights will not be canceled on your reservation. If the airline on the original booking cancels the remaining flight(s) on your original booking and you inform CBA Travel of such cancellation by contacting an agent or via the automated rebooking tool, CBA Travel will offer you the option to rebook a new flight to replace the canceled flight(s) at no extra cost, subject to these Terms and Conditions (including the Service Cap).
- 9.6.7. Other Restrictions. If you elect to use the Rapid Rebook Service, CBA Travel will not be responsible for any fees and costs incurred by you (e.g., new baggage fees or upgrades) other than the costs of the new eligible ticket(s) or refund for a disrupted flight, as applicable, and in each case subject to the Service Cap. The service is valid for ONE Flight Disruption per passenger in connection with the trip for which the service was purchased. A second Flight Disruption on the same trip itinerary will not be eligible for the service. The service does not carry over to any future bookings made with CBA Travel. The service is only offered on select bookings. CBA Travel reserves the right to deny the purchase of the service to any customer for any lawful reason. In the event you make a voluntary schedule change or cancelation more than twenty-four (24) hours before your departure date, the service will no longer be valid. In the event the airline makes an involuntary schedule change, the service will no longer be valid and you may contact Hopper customer support to obtain a refund of your service cost. The service cost is non-refundable and non-transferable.
- 9.6.8. Service Satisfaction Guarantee. The service comes with a satisfaction guarantee, as set forth in this Section. If you are eligible for and elect to use the Rapid Rebook Service, and you are not happy with the rebooking options offered by CBA Travel, you may choose to receive a refund for the cost of your original flight ticket(s) for which the service was purchased. Refunds cover the full base fare and related taxes and fees. Any paid add-ons, such as baggage, seat or boarding order selection, and Rapid Rebook Service, are not included in the refund. Refunds will be delivered to your original payment method (e.g., credit card, travel credits and/or rewards redemption). If you used a mixture of a credit card, redeemed rewards, and/or travel credits to purchase the fare, the difference will be refunded proportionally. The election to receive a refund shall be in lieu of rebooking on a new flight; if you elect to receive a refund, then the ability to rebook a disrupted flight with the service shall be immediately null and void. You may not be eligible to receive this service satisfaction guarantee refund in the event you elect to receive any cash or credit card refund provided from the airline for the cost of your disrupted flight. However, if you exercise the service satisfaction guarantee and receive a full refund for your booking through CBA Travel, you will still be eligible to receive any future travel credits or other non-cash equivalents that the airline may provide as compensation for the disrupted flight.
- 9.6.9. Passenger Rights Regimes. Certain jurisdictions, including the United Kingdom and the European Union, have adopted laws and/or regulations requiring airlines to compensate passengers in the event of certain disruptions to scheduled air travel (a “Passenger Rights Regime”). In the event of such a disruption, you may be eligible for compensation under a Passenger Rights Regime, regardless of whether you elect to purchase the Rapid Rebook Service. Flights within Australia, international flights departing Australia, and international flights to Australia booked through an Australian airline website are subject to basic consumer rights known as consumer guarantees. This includes a guarantee that services be provided to you within a reasonable time. In certain circumstances, you may be entitled to a refund or a different replacement flight, regardless of whether you purchase the Rapid Rebook Service.
- 9.6.10. Interaction with Other CBA Travel Services, Offers and Promotions. If you purchased the service for a flight purchased following receipt of any refund from CBA Travel such as an Auto Price Drop refund or price match guarantee refund, the dollar amount of any refund you receive as part of the flight disruption assistance service will be based on the final price you paid for the airline ticket(s) after receiving a refund or discount under any other offers, promotions, or services available through CBA Travel. If you have purchased the Flex It option in addition to the Rapid Rebook service for the same CBA Travel booking, your option to cancel for any reason will remain valid within the time period specified to you at the time of purchase and stated in your confirmation email prior to your first scheduled departure. If you exercise your Flex It option, your Rapid Rebook Service will immediately be null and void and you will not be entitled to receive any refund or rebooking under the service. Please see the “Flex It Bookings” section above for more information.
- 9.6.11. SMS Consent. By purchasing the Rapid Rebook Service, you hereby consent to receive SMS messages for the purpose of CBA Travel communicating updates to you regarding your purchased service.
- 9.6.12. Not Insurance. The service is a guarantee that CBA Travel will rebook you on a new, qualifying flight in the event you experience a Flight Disruption. In the event CBA Travel is unable to provide the rebooking service to your satisfaction, CBA Travel will provide a refund to your original payment method as specified in Section 9.6.8. CBA Travel provides its customers with the flight disruption assistance service to provide a more seamless and flexible experience for travel booked on the CBA Travel portal. The service Terms and Conditions are not intended to constitute an offer to insure, do not constitute insurance or an insurance contract, and do not take the place of insurance obtained or obtainable by you.

10. Travel Credits

10.1. The CBA Travel Sites provided by Hopper may offer, grant, or issue you credit(s) (“Travel Credit”) in connection with the terms applicable to certain free or purchased products (e.g., Price Drop, Best Price Guarantee) that will be available for application toward future purchases on the CBA Travel Sites. Travel Credit may accumulate in your Travel Wallet, accessible in the Travel Wallet section of the CBA Travel Sites, along with other credits or rewards received in connection with other qualified bookings or purchases. The accumulated balance of Travel Credits may only be used for future qualified purchases on the CBA Travel Sites.
10.2. No Cash Value; Non-Transferrable. Travel Credits are not cash or currency, stored value, or account credit, and have no relation to CommBank Yello points. Travel Credits are not exchangeable for cash, not transferable, and have no cash value. Travel Credits are an incentive provided to CBA Travel Site customers for loyalty, award or promotional purposes only and may only be used toward qualifying purchases by you via the CBA Travel Sites.
10.3. Redemption. When you make an eligible booking or purchase via the CBA Travel Site(s), you will be offered an option to select to use the full value of your available Travel Credits to pay all or a portion of your booking or purchase. Travel Credits will be available to use in your account within 5-7 business days of the grant or issuance, but in some cases may take longer. Please contact Hopper support if you are not seeing your Travel Credits in the Travel Wallet section of the CBA Travel Sites.
10.4. Expiration. Travel Credits have a 2-year expiry from the date that the Travel Credit was granted, issued, and/or credited to your CBA Travel account (unless a different time was specified in connection with the offer, grant, or issuance of the Travel Credit). Expiry dates can be viewed in the Travel Wallet found in the Home menu of the CBA Travel Sites. All Travel Credits expire as indicated at issuance or grant, at the cardholder's death, or when the cardholder no longer has an eligible CommBank debit or credit card account, whichever occurs first.
10.5. Additional Restrictions. Travel Credits may not be available for application to purchases of certain third-party travel services. Additional applicable restrictions on the use of any Travel Credit may be disclosed in the Travel Wallet section of the CBA Travel Sites.

11. Intellectual Property

11.1. The CBA Travel Sites downloaded or accessed by you pursuant to these Terms, including without limitation all of the text, images, sound, marks, logos, compilations (meaning the collection, arrangement and assembly of information) and other content contained therein, and all software, source or object code, systems, data, and algorithms embodied in or supporting the CBA Travel Sites, or otherwise used by CBA and/or Hopper to deliver the CBA Travel Sites, and all intellectual property rights therein including without limitation patent, copyright, trademark rights (collectively, the “Site Property”), is the sole and exclusive property of CBA and/or Hopper (as applicable) and/or of third parties provided under license to, or used with permission by, CBA and/or Hopper, and is protected under Australian, United States, Canada, and other federal, local, and international laws. Hopper and CBA reserve all rights in the Site Property, including without limitation copyright, trademark, patent, and trade secret rights, and no rights in such Site Property are granted except as expressly provided herein. You are hereby granted a limited, personal, non-exclusive, non-transferrable, non-sublicensable, and revocable right to access, download, and use the CBA Travel Sites solely for the purposes expressly authorized by these Terms and Conditions, provided that you comply with these Terms and Conditions.
11.2. Trademarks. The respective names, logos, service marks and trademarks of Hopper and CBA are the property of Hopper and CBA, and are protected under the laws of Australia and other countries around the world, and may not be used in connection with any service or products other than those provided by or expressly authorized by CBA and/or Hopper, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits CBA or Hopper. The CBA Travel Sites may also incorporate protected trademarks of third parties, and the use of such trademarks does not constitute an affiliation, endorsement or sponsorship of CBA or Hopper by any third party.
11.3. Third-Party Property. The CBA Travel Sites feature the trademarks, service marks, images, logos, and data of third parties, including those of Hopper’s third-party travel service partners (“Third-Party Property”). Each third-party owner retains all rights in such Third-Party Property. Any use of such Third-Party Property provided or displayed in the CBA Travel Sites, inures solely to the benefit of their respective owners. Hopper’s use of such Third-Party Property does not imply any affiliation or relationship between Hopper and/or CBA and the third party nor any endorsement of Hopper and/or CBA or the CBA Travel Sites by such third party.
11.4. Feedback. You have no obligation to provide Hopper or CBA with ideas, suggestions, recommendations, enhancement requests, testimonials, endorsements, product reviews or information regarding your experience using the CBA Travel Sites (“Feedback”). However, if you submit Feedback to or about CBA or Hopper or the CBA Travel Sites, either directly or indirectly via a third-party review site or a survey initiated by Hopper or CBA, then you grant to CBA and Hopper a non-revocable, non-exclusive, worldwide, royalty-free license that is sub-licensable and transferable, to make, use, reproduce, publicly display, distribute, sell, modify or publicly perform the Feedback in any manner without any obligation, royalty or restriction based on intellectual property rights or otherwise.

12. Limitation of Liability

12.1. Consumer rights under the Australian Consumer Law. If you are a consumer to which the Australian Consumer Law applies, you have certain rights in connection with purchases and bookings made via the CBA Travel Sites, including under the consumer guarantees as described above and throughout these Terms and Conditions. Nothing in these Terms and Conditions or any rules and restrictions limits, excludes or modifies any rights you have that cannot lawfully be limited, excluded or modified. Information about the consumer guarantees is available from the website of the Australian Competition and Consumer Commission.
12.2. Our liability. Hopper operates the CBA Travel Sites, and the Suppliers provide the travel services to you. To the maximum extent permitted by law, Hopper will not be liable for:
- ● any travel services that the Suppliers make available to you;
- ● the acts, errors, omissions, representations, warranties or negligence of any Suppliers, or
- ● for any personal injuries, death, property damage or other damages or expenses resulting from the above.
Subject to the limitations in these Terms and Conditions and the Australian Consumer Law, Hopper shall not be liable for any direct, indirect, punitive, special, incidental or consequential losses or damages arising from:
- ● the travel services
- ● the use of the CBA Travel Sites
- ● any delay or inability to use the CBA Travel Sites, or
- ● the use of links from the CBA Travel Sites,
whether based in negligence, contract, tort, strict liability, consumer protection statutes, or otherwise, and even if the relevant person has been advised of the possibility of such damages, save to the extent that such losses or damages are directly caused by the negligence or actions of Hopper.
If Hopper is found liable for any loss or damage under these Terms and Conditions, then, to the maximum extent permitted by law, Hopper shall only be liable to you for direct damages that were:
- ● reasonably foreseeable by both you and us (or our Suppliers as applicable)
- ● actually suffered or incurred by you, and
- ● directly attributable to our actions or negligence (or the actions or negligence of our Suppliers as applicable),
and in the event of any liability of us, such liability will in no event exceed, in total, the cost paid by you for the travel services in question.
This limitation of liability reflects the allocation of risk between you and Hopper. The limitations specified in this section will survive and apply even if any limited remedy specified in these Terms and Conditions is found to have failed its essential purpose. The limitations of liability provided in these Terms and Conditions inure to the benefit of Hopper.
12.3. Inaccurate Information. The Suppliers provide Hopper with information describing the travel services. This information includes travel service details, photos, rates and any relevant rules and restrictions, etc. We display this information through the CBA Travel Sites. The Suppliers are responsible for ensuring that such information is accurate, complete and up to date. Hopper will not be liable for any inaccuracies in such information (and this also includes property ratings which are intended as guidance only and may not be an official rating), save to the extent that such inaccuracies are caused by our negligence or wilful misconduct. Hopper does not, to the extent permitted by law, make guarantees about the availability of specific travel services. Photos and illustrations on the CBA Travel Sites are provided as a guide to show you the level and type of accommodation only.
12.4. Disclaimer of Warranties. Subject always to your rights under the Australian Consumer Law and any other applicable laws, and except as expressly set out in these Terms and Conditions:
- ● all information, software, or travel services displayed through our CBA Travel Sites are provided without any warranty or condition of any kind, and
- ● Hopper disclaims all such warranties and conditions.
The display of travel services through the CBA Travel Sites is not an endorsement or recommendation of such travel services by Hopper. Hopper disclaims, to the maximum extent permitted by law, all warranties and conditions that the CBA Travel Sites, its servers or any email sent from Hopper are free of viruses or other harmful components.
12.5. Consumer guarantee under the Australian Consumer Law. If you are a consumer under the Australian Consumer Law and the goods and/or services supplied to you are not of a kind ordinarily acquired for personal, domestic or household use or consumption, then the liability of us for failure to comply with a consumer guarantee under the Australian Consumer Law (other than a guarantee under section 51, 52 or 53) is limited to one or more of the following, at our election (as applicable):
- ● in relation to the supply of services: the resupply of the services or the payment of the cost of having the services supplied again; and/or
- ● in relation to the supply of goods: the replacement of the goods or the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or of acquiring equivalent goods, or the payment of the cost of having the goods repaired.
12.6. Force Majeure. Every instance of force majeure, including the interruption of means of communication or a strike (by airlines, properties or air traffic controllers, as applicable), will lead to the suspension of the obligations in these Terms and Conditions that are affected by the force majeure event. In such a case the party affected by the force majeure event will not be liable as a result of the inability to meet such obligations.

13. DISPUTE RESOLUTION

13.1. ARBITRATION AND CLASS ACTION WAIVER. You agree that all claims, disputes, or disagreements that may arise out of the interpretation of or performance under these Terms and Conditions, any payments to Hopper, or otherwise related in any way to your use of CBA Travel, the Sites and/or the content therein, shall be submitted exclusively to binding arbitration, except that each party retains: (i) the right to bring an individual action in small claims court for disputes and actions within the scope of such court’s jurisdiction; and (ii) the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. Arbitration means that an arbitrator and not a judge or jury will decide the claim. Rights to prehearing exchange of information and appeals may also be limited in arbitration. YOU ACKNOWLEDGE AND AGREE THAT YOU AND HOPPER ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY. You further acknowledge and agree that you waive your right to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, unless both you and Hopper otherwise agree in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any class or representative proceeding. If this class action waiver is held unenforceable, then the entirety of this "Dispute Resolution" section will be deemed void. Except as provided in the preceding sentence, this "Dispute Resolution" section will survive any termination of these Terms.
13.2. Arbitration Rules. Any arbitration will be administered by the American Arbitration Association ("AAA"). Except as modified by this “Dispute Resolution” provision, the AAA will administer the arbitration in accordance with either (A) the Commercial Arbitration Rules then in effect, or (B) the Consumer Arbitration Rules then in effect if the matter involves a “consumer agreement” as defined by Consumer Arbitration Rule R-1 (together, the "Applicable AAA Rules"). (The Applicable AAA Rules are available at https://www.adr.org/Rules or by calling the AAA at 1-800-778-7879). The Federal Arbitration Act will govern the interpretation and enforcement of this entire “Dispute Resolution” provision.
13.3. Arbitration Process. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the Applicable AAA Rules. (The AAA provides applicable forms for Demands for Arbitration at https://www.adr.org/sites/default/files/Demand\_for\_Arbitration\_0.pdf (Commercial Arbitration Rules) and https://www.adr.org/sites/default/files/Consumer\_Demand\_for\_Arbitration\_Form\_1.pdf (Consumer Arbitration Rules). The arbitrator will be either a retired judge or an attorney licensed to practice law in the county in which you reside and will be selected in accordance with the Applicable AAA Rules. If the parties are unable to agree upon an arbitrator within fourteen (14) days of the AAA’s notice to the parties of its receipt of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
13.4. Arbitration Location and Procedure. Unless you and Hopper otherwise agree, the arbitration will be conducted in the county where you reside. If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of documents you and Hopper submit to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the Applicable AAA Rules. Subject to the Applicable AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
13.5. Arbitrator's Decision. The arbitrator will render an award within the time frame specified in the Applicable AAA Rules. The arbitrator's decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator's award of damages and/or other relief must be consistent with the terms of the "Limitations of Liability" section above as to the types and the amounts of damages or other relief for which a party may be held liable. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide the relief warranted by the claimant's individual claim. If the arbitrator determines that you are the prevailing party in the arbitration, and only if authorized under applicable law, the arbitrator may award reasonable attorneys' fees and expenses. Hopper will not seek, and hereby waives, all rights Hopper may have under applicable law to recover attorneys' fees and expenses if Hopper prevails in arbitration unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose.
13.6. Fees. Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the Applicable AAA Rules. However, if your claim for damages does not exceed $25,000, Hopper will pay all such fees unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose.
13.7. Changes. Hopper reserves the right to change this "Dispute Resolution" section, but any such changes will not apply to disputes arising before the effective date of such amendment. Notwithstanding the provisions of the modification-related provisions above, if Hopper changes this "Dispute Resolution" section after the date you first accepted the Terms (or accepted any subsequent changes to these Terms), you agree that your continued use of the Sites or Services after such change will be deemed acceptance of those changes. If you do not agree to such change, you may reject any such change by providing Hopper written notice of such rejection by mail or hand delivery to: Hopper, Attn: Legal Department, 265 Franklin Street, Suite 1702, Boston, MA 02110 or by email from the email address associated with your account to: legal@hopper.com, within 30 days of the date such change became effective, as indicated herein. In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to this "Dispute Resolution" section. By rejecting changes, you are agreeing that you will arbitrate any dispute between you and Hopper in accordance with the provisions of this "Dispute Resolution" section as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms, as applicable).

14. Additional Terms.

14.1. These Terms and Conditions constitute the entire agreement of the parties as to its subject matter, and supersede all prior written and oral representations and discussions between the parties. The Terms shall be governed by the laws of Australia without reference to principles of conflicts of laws. No delay or omission by CBA in exercising any of its rights occurring upon any noncompliance or default by you with respect to these Terms will impair any such right or be construed to be a waiver thereof, and a waiver by CBA of any of the covenants, conditions or agreements to be performed by you will not be construed to be a waiver of any succeeding breach thereof or of any other covenant, condition or agreement hereof contained. You may not assign any of your rights arising under these Terms without CBA’s written consent. If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, then these Terms will remain in full force and effect and will be reformed to be valid and enforceable while reflecting the intent of the parties to the greatest extent permitted by law. The provisions of these Terms are entered into for the benefit of CBA and you and there shall be no third-party beneficiaries to these Terms. In the event of a conflict between these Terms and any other CBA agreement, terms, or policy provided to you, directly or indirectly, these Terms shall prevail. CBA may revise these Terms and Conditions at any time by updating this posting.

Date last updated: 1 October 2026

Source: https://travelbooking.hopper.com/terms

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Commonwealth Bank of Australia and Hopper Travel Booking Terms and Conditions

From time to time, we may change these terms. We recommend that you review them on a regular basis.

1. Use of the CBA Travel Sites

1.1. The CBA Travel Sites are made available by Hopper to eligible CBA credit card and/or debit card holders, as determined by CBA. By using the Sites, you represent and warrant that any profile information you submit is true and accurate, that you are 18 years of age or older and fully able and competent to enter into and abide by these Terms and Conditions.
1.2. Except as otherwise expressly provided in these Terms and Conditions, the services available through CBA Travel are for personal, non-commercial use only. You may only use CBA Travel to make legitimate reservations or purchases for you or other persons for whom you are authorized to act. You represent and warrant that you are not using CBA Travel on behalf of any other third person or entity, or for any commercial purpose. You shall not use CBA Travel to make any speculative, false, fictitious, unauthorized or fraudulent reservations.
1.3. You may not use the CBA Travel Sites if you are identified on any government list of prohibited, sanctioned, or restricted parties, or if you are located in a country that is subject to a government embargo.
1.4. While you may make copies of information related to your booked travel reservations, you may not attempt to access, copy, decompile, disassemble, or reverse-engineer, distribute, sublicense, publish, interrupt, destroy, or interfere with the source code, libraries, databases, algorithms, data, or CBA or Hopper systems or networks that make up the CBA Travel Sites, or attempt to circumvent any security controls included in the CBA Travel Sites. You may not attempt to access the CBA Travel Sites using any automated tools, including without limitation the use of bots, spiders, crawlers, scrapers or other similar tools, or other technology not authorized by CBA and/or Hopper. You may not deep-link to any portion of CBA Travel Sites (including, without limitation, the purchase path for any travel services) or frame, mirror or otherwise incorporate any part of the CBA Travel Sites into any other app or site without Hopper’s prior express written authorization. You may not use the CBA Travel Sites for any purpose that is fraudulent or deceptive. If your right to access the CBA Travel Sites has been previously revoked by CBA and/or Hopper, or is otherwise not authorized by CBA, all use of the CBA Travel Sites is prohibited.
1.5. We reserve the right to refuse access to the CBA Travel Sites or to limit or take away your access at any time and may take all available legal recourse for actual or suspected violations of these Terms and Conditions, including cancellation of bookings and closure of your CBA card account. Any delay by CBA in taking such actions does not constitute a waiver of CBA’s rights to enforce these Terms and Conditions. By making CBA Travel and the Sites available for your use, CBA does not consent to act as your agent or fiduciary. Use of the Sites is void where prohibited.
1.6. As a condition of your use of this Site, you warrant that you will not use this Sites for any purpose that is unlawful or prohibited by these Terms and Conditions.

2. Third-Party Travel Services; Third-Party Websites

2.1. The purchase of third-party travel products and services through the Sites will be governed by and subject to additional terms and conditions from the providers of those services (e.g. airlines, hotels, car rental providers) (“Suppliers”), and subject to laws and regulations imposed by government entities. By making a booking with a third-party travel service Supplier, you agree to abide by all such terms, laws, and regulations. Where possible, Hopper will make these terms available to you on the Sites, and/or as links accessible from the Sites. However, additional applicable terms may be provided on the third-party Supplier’s website, for example, an airline’s cancellation or refund policy. Please read these additional provider terms and conditions carefully prior to purchase, and ensure that you understand the full terms applicable to your airfare, hotel, trip insurance, car rental, or other third-party service. The purchase of certain third-party travel products and services will be subject to these terms and conditions. If you make bookings on behalf of another person(s) with their authorization, you agree that you will inform such other person(s) about these Terms and any third-party terms, rules and restrictions that apply to the bookings made on their behalf. You understand and agree that any violation of third-party Supplier terms of service may result in a cancellation of your bookings, denial of service, and forfeit of any amounts paid, subject to applicable law. Except to the extent required by the Australian Consumer Law, neither Hopper nor CBA is not responsible for any damages resulting from your violation of third-party Supplier terms.
2.2. Some of the websites referenced as links herein are not under the control of Hopper, but rather are exclusively controlled by third parties. You should review the terms applicable to any third-party site that you choose to access. Accordingly, Hopper makes no representations whatsoever concerning such websites. Although Hopper may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by Hopper with respect to such website, its owners or its providers. Hopper is providing these links only as a convenience to you. Hopper has not tested any information, products or software found on such websites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature. IN NO EVENT WILL HOPPER, OR ITS AFFILIATED COMPANIES, BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

3. Payment Authorizations

3.1. In order to make purchases from Hopper and/or from third-party travel service Supplier (e.g., airlines, hotels, rental car providers, property managers, etc.) using the CBA Travel Services and the Sites, you may use an authorized CBA-issued payment instrument or account. Eligible CommBank Yello customers may also use CommBank Yello points to pay all or part of the amount payable for a CBA Travel Booking reservation, subject to additional terms and conditions available at https://www.commbank.com.au/travel/travel-booking.html. If CommBank Yello points are applied to only part of the amount payable, the remaining balance must be paid using an authorized CBA-issued payment instrument or account, or other available method outlined in these terms (such as Travel Credits). Use of CommBank Yello points is subject to the CommBank Yello Program Terms and Conditions and the CommBank Yello points for booking through Travel Booking Terms and Conditions available at commbank.com.au. To complete a purchase, you may need to provide additional information, which will be stored together with information about your CBA payment account. You agree: (i) to provide and maintain accurate, current and complete information for your CBA Travel account, (ii) to maintain the security of your account by not sharing, disclosing, or making available access credentials to any unauthorized person, and (iii) to notify Hopper promptly if you discover or otherwise suspect any security breaches relating to your use of CBA Travel or the Sites. You agree to be responsible for all activities and purchases that occur on the Sites using your CBA Travel account, and you accept all risks of unauthorized access to your CBA Travel account resulting from any act or omission by you in violation of these terms.
3.2. You may change the payment instrument associated with your CBA Travel account or add additional authorized payment instruments at any time. By linking an authorized payment instrument to your CBA Travel account, you represent to Hopper that you are an authorized user of the payment instrument. You are responsible for ensuring that the payment instrument(s) associated with your CBA Travel account is at all times current, non-expired, and valid for payments.
3.3. You authorize Hopper, and/or applicable third-party travel service Supplier, to charge your linked or entered payment instrument(s) for the balance of all purchases or other payment transactions initiated in the CBA Travel Sites using your CBA payment instrument or account, after applying your chosen amount of CommBank Yello points or other available payment methods accepted under these terms (such as Travel Credits), as necessary to complete the purchase, payment or other financial transaction requested or agreed to by you, including without limitation all fees and taxes. Where you apply CommBank Yello points to a CBA Travel Booking reservation, you authorize Hopper and/or CBA, as applicable, to process, deduct, redeem, reverse, reinstate, re-credit or otherwise adjust those CommBank Yello points in accordance with your instructions and the applicable CommBank Yello Program Terms and Conditions and CommBank Yello points for booking through Travel Booking Terms and Conditions. In some cases, Hopper may pass your payment instrument(s) to a third party travel service Supplier (such as an airline, rental car service, property manager or hotel) in order to process your authorized payment. By making a booking, you authorize such transfer of your payment instrument. In the event you are entitled to a reversal, refund, chargeback, or other adjustment associated with a transaction you made using your payment instrument and/or CommBank Yello points, you also authorize a credit to your payment instrument(s) and/or a reversal, reinstatement, re-credit or other adjustment of the relevant CommBank Yello points, as applicable, by Hopper and/or CBA as necessary to execute that transaction, subject to applicable Supplier rules, the CommBank Yello Program Terms and Conditions, the CommBank Yello points for booking through Travel Booking Terms and Conditions and your rights under the Australian Consumer Law.
3.4. In the event that a charge to any payment instrument fails or a CommBank Yello points redemption is unavailable, declined, not completed, reversed, or otherwise fails, you agree to link a new, valid payment instrument or otherwise resolve the outstanding balance within three (3) business days of notification by Hopper or CBA. Your CBA Travel account will be disabled, and all purchased products and third party travel services may be cancelled, until a valid payment instrument is provided and the outstanding uncharged balance or other unpaid amount is resolved. You further authorize Hopper to attempt to re-submit any failed charge to any payment instrument(s) associated with your account at subsequent times until successful for any amount not covered by a valid CommBank Yello points redemption. Hopper is not responsible for any charges imposed by the issuer of your payment instrument as a result of any failed charge or re-charge by Hopper. To the extent that Hopper is unable to successfully charge any payment instrument linked to your Hopper account as payment for authorized transactions or collect any outstanding amount not covered by a completed CommBank Yello points redemption for more than thirty (30) days, you understand and agree that Hopper may employ a collection agency or other business in an effort to collect any outstanding debts and fees associated with your Hopper account, and you will not contest the use of a third party to collect the debt and fees owed to Hopper. You agree that you will be responsible for any legal, court, arbitration or collection agency fees associated with rectifying your Hopper account and all monies owed thereunder. You agree that Hopper, or any agency or business employed by Hopper, has the right to contact you and your heirs via telephone, email or (if not prohibited by law) in-person using the information you provided upon registration or during any contact with Hopper, or any other publicly available or attainable information, in an effort to collect any monies and fees owed to Hopper, whether specifically referenced in these Terms and Conditions or not, and such contact may be made in a manual or automated fashion.
3.5. Unauthorized Transactions; Lost Devices. If any transaction receipt received by you appears incorrect, or was unauthorized or fraudulent, including where it relates to any application, redemption or attempted redemption of CommBank Yello points, you shall notify Hopper immediately, by contacting CBA Travel Support and, where applicable, CBA in accordance with the CommBank Yello Program Terms and Conditions. In the event that you lose any mobile device on which an App linked to your CBA Travel account is installed, you shall notify Hopper immediately by contacting Hopper at privacy@hopper.com. You should always secure any device on which a CBA Travel App is installed.
3.6. Hopper or the third-party travel service Supplier may cancel a booking in the event of non-payment, failure to pay any remaining balance, unsuccessful or reversed CommBank Yello points redemption, payment dispute, rewards dispute, including any dispute relating to the application or redemption of CommBank Yello points, fraud, or suspected fraud, and penalties imposed by Suppliers, up to the full amount of each ticket/reservation, may be applied regardless of whether the booking was paid for using a payment instrument, CommBank Yello points, or both. You may also have rights under the Competition and Consumer Act of 2010, Schedule 2 or other Australian consumer protection laws (herein referred to as the, “Australian Consumer Law”) in these circumstances.
3.7. Some prices and/or fees provided in the Sites for purchases may be displayed to you in a default, or your preferred or selected, currency, although the charge made to your payment instrument by a third-party travel service Supplier will be in a local currency. Where CommBank Yello points are applied to a purchase, the number of Points required and the redemption value attributed to those Points will be determined at the time of redemption in accordance with the CommBank Yello Program Terms and Conditions and the CommBank Yello points for booking through Travel Booking Terms and Conditions, including by reference to the currency in which the booking is priced or processed and the CommBank Yello points conversion rate applicable at that time. In these cases, the amount charged to your payment instrument, if any, including any remaining balance payable after CommBank Yello points are applied to the purchase, may vary from the amount displayed, due to fluctuations in currency exchange rates beyond Hopper’s control. Your payment instrument provider or issuer may also include a fee to process the transaction or convert currency, plus any applicable taxes for international purchases.

4. Hopper Predictions and Sort Order

4.1. Hopper’s price prediction services and notifications provide a powerful tool to assist you in finding the best time to book travel and save money. Hopper works hard to ensure the accuracy of its predictions based on past data and current trends. However, forecasting price movements in a highly competitive, unpredictable global market has inherent limitations, and no prediction tool can be 100% accurate. Accordingly, while Hopper believes strongly in the accuracy of its predictions, Hopper does not guarantee their accuracy, and shall not be liable for any reliance upon them, except as expressly set forth in the terms of any Hopper product purchased by you, such as a Hopper Price Freeze or Auto Price Drop option.
4.2. When you search for flights, hotels or homes, or car bookings, Hopper provides you a number of options for displaying, filtering, and sorting the results.
- 4.2.1. Hopper’s default flight search results provide you first with an identification of the flights identified by Hopper’s algorithms as “Recommended,” including for example as “Best overall,” “Best quality,” “Best price” or “Fastest.” Hopper uses a number of factors to identify a “Recommended” flight, and Hopper’s recommendation algorithms are not impacted by any fees paid to Hopper.
- 4.2.2. Hopper offers different options to display your search hotel results. You can use the “sort by” setting to order your search results based on price, user rating and percentage of savings, or other specific criteria as may be available to you from time to time. If no specific sort order option is selected, Hopper’s default hotel search results provide you with a listing of the properties identified by Hopper as “Recommended” for you based on a number of factors including price, location, amenities, the popularity of the property, the quality of the content provided by the property and the competitiveness of the property’s rates and availability. In addition, when determining the relative order of properties with similar offers in your search results listings, Hopper’s recommendation algorithms may be impacted by the compensation received by Hopper in connection with the reservation, and/or in connection with any hotel marketing programs and/or marketing relationships with certain properties. As we continue to improve our services to provide you with the best service, we may change our search results criteria and may test different default sort order algorithms from time to time.
- 4.2.3. Hopper’s default vacation rentals search results provide you with an identification of the hotels or rentals identified by Hopper as “Recommended” for you based on a number of factors including price, location, and amenities. Hopper’s recommendation algorithms are not impacted by any fees paid to Hopper.
- 4.2.4. Hopper’s default cars search result sort order is based solely on price.

5. Information Applicable to All Third-Party Travel Service Bookings

5.1. Service Guarantee. Hopper’s CBA Travel booking services come with guarantees under the Australian Consumer Law that include: (1) they will be provided with due care and skill; (2) they will be reasonably fit for the specified purpose; (3) they can reasonably be expected to achieve the desired result; and (4) they will be provided within a reasonable time. If we fail to meet any of these guarantees, you may have rights under the Australian Consumer Law.
5.2. Cancellations and changes. Reservations are generally subject to the rules of each Supplier on your itinerary. Subject to your rights under the Australian Consumer Law, some reservations cannot be cancelled for a refund, and itinerary changes are subject to CBA Travel and/or Supplier imposed cancellation or change fees plus applicable fare differential. Refunds, if permitted, may take up to 90 days to process and are subject to the policies of the individual Supplier. All refund requests must be submitted within 30 days after the scheduled departure date and any negotiable documents (i.e. airline tickets, redeemable certificates or vouchers, etc.) issued must be returned to Hopper prior to processing any refund. Refunds will be returned via original payment method, with split-pay transactions using both credit card and rewards being refunded proportionally. Please note: The cancellation policy for reservations made through CBA Travel may differ from the cancellation policy for reservations made directly with the Supplier. You may also have rights under the Australian Consumer Law in these circumstances.
5.3. Compliance with Laws. All bookings made on the CBA Travel Sites shall comply with all applicable governmental laws, rules and regulations including, without limitation, government- sanctions. Such sanctions may prevent Hopper from offering travel to specific destinations or individuals. To assist Hooper with its compliance with laws, rules and regulations, Hopper may ask you for additional information. Any booking made, or in good faith believed to be made, in violation of applicable law, will be cancelled by Hopper, in its sole discretion, with no liability to you other than to issue a refund, if permitted by law or your rights under the Australian Consumer Law.
5.4. Required identification. Approved, government-issued photo identification is required for travel booked via CBA Travel, and must match the full name on the reservation. Some air carriers may also require you to show the credit card used as payment for your ticket(s). If you are booking international travel, you will need a passport, and you may need a visa. You must consult the relevant embass(ies) or consulate(s) for passport and visa information, and for any other requirements applicable to your travel, such as immunization or other health and safety requirements. As requirements may change, you should check for up-to-date information before booking and departure and allow sufficient time for all required applications. It is solely your responsibility to obtain proper travel identification and satisfy all requirements for each location on your itinerary, including layover and stopover destinations. Hopper and CBA are not responsible if you are refused entry onto a flight or into any country due to your failure to satisfy any entry requirements. Government imposed departure or entry taxes may not be included in ticket taxes. Passengers should be prepared to pay these taxes in cash, in local currency, on location. Some governments require airlines to provide personal information about all travellers on their aircraft. The data will be collected either at the airport when you check in or in some circumstances when you make your booking. Please contact the relevant airline you are travelling with if you have any questions about this. Hopper and CBA do not represent or warrant that travel to international destinations is advisable or without risk and is not liable for damages or losses that may result from travel to such destinations. Any fines, penalties, payments, or expenditures incurred as a result of such documents not meeting the requirements of relevant authorities will be your sole responsibility (except to the extent caused by fault on our part).
5.5. Minors. Minors under the age of 18 who are travelling with only one parent may be required to have additional documentation. Please contact your airline or the embassy/consulate of the country from which you are departing and the country to which you are travelling for additional information.
5.6. Accommodations. Hopper and CBA have no special knowledge regarding the suitability for persons with disabilities for any travel itinerary presented via CBA Travel.
5.7. Potential dangers. Hopper and CBA have no special knowledge regarding unsafe conditions, health hazards, weather hazards, or climate extremes at locations to which you may travel. By offering reservations for travel products in particular destinations, Hopper and CBA do not represent or warrant that travel to such areas is advisable or without risk, and is not liable for damages or losses that may result from travel to such destinations. For information concerning possible dangers at international destinations, Hopper recommends contacting the relevant travel authorities for more information.
5.8. Public health. Government, airline and travel service provider COVID-19 travel requirements are subject to change without notice. Before booking, regularly after booking, and immediately before you travel, ensure you check the latest Australian Federal Government’s travel requirements. Visit the Australian Department of Home Affairs website https://covid19.homeaffairs.gov.au/ for more information. As international travel resumes, Australia and all other countries may implement measures which continuously change, including additional health and safety protocols in response to COVID-19 and new variants which may impact your travel. We recommend that you contact the Department of Foreign Affairs and Trade (“DFAT”) or visit their website at www.smartraveller.gov.au for general travel advice, as well as specific advice (including safety alert levels) relating to the destination/s you wish to visit or transit through. You acknowledge that you are choosing to travel at a time where you may be exposed to COVID-19. It is your own responsibility to acquaint yourself with all relevant travel information, including applicable health risks related to COVID or any travel vaccinations or inoculations required or recommended for travel (COVID or otherwise related). You acknowledge that your decision to travel is made based on your own consideration of this information, and you acknowledge and agree that you are aware of, and assume responsibility for, the risks associated with travelling at this time. To the fullest extent permitted by law, we accept no liability in relation to these additional risks. Whether any medical requests can be accommodated, including (without limitation) access to power, refrigeration and travelling with the use of mobility aids, is subject to the Supplier in their sole and absolute discretion, and will often depend on several factors, including (without limitation) any modes of transport and local standards at the destination. All medical requests are beyond our control. While we will include all medical requests as a file note to the travel service provider, we cannot guarantee that your request will be accommodated. It is your responsibility to follow up with the travel service provider directly either at the destination or prior to travelling where possible.
5.9. Tickets. The passenger's ticket(s), when issued, or the electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger. Hopper and CBA shall have no liability for any actions or omissions of the Supplier, except where required by applicable law.
5.10. Credits and vouchers. Hopper and CBA shall have no responsibility for any credit or voucher issued by any Supplier, and any questions or issues you may have with respect to such credit or voucher must be addressed directly with the Supplier. Hopper will only allow and facilitate usage of travel credits issued by airlines for bookings made through the Sites.
5.11. Special requests and upgrades. Special requests made to a Supplier are on a request-only basis and cannot be guaranteed. Fees, taxes and charges may apply, depending on the service request. Upgrades are not permitted on certain itineraries. Please check with the Supplier directly. Supplier policies are subject to change at any time without notice.
5.12. Loyalty programs Certain rate types do not permit credit for airline frequent flyer programs or car or hotel loyalty programs. The name connected to the frequent flyer program or loyalty program must match the traveller listed on the itinerary or the Supplier may invalidate the booking. You may see a difference between airline loyalty miles received and the amount paid.
5.13. Luggage. Hopper and CBA are not responsible for any lost, damaged, or delayed luggage.
5.14. Supplier Insolvency. Without limiting anything herein, for the avoidance of doubt, in the event of a Supplier being unable to provide you with the product and/or service you have booked due to that third party provider becoming insolvent or being placed under external administration, subject to your refund and remedy rights under the Australian Consumer Law, we have no obligation to reimburse you for the cost of your booking, or for any loss or damage you may otherwise suffer as a result of any such insolvency or external administration.

6. Information Applicable to Flight Bookings

6.1. General ticket rules. Subject to your rights under Australian Consumer Law, Airline tickets are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by airline fare rules and, if permitted, are subject to airline rules, airline penalties up to the full amount of each ticket plus, in the case of a changed ticket, fare difference charges, and may also be subject to Hopper and/or CBA Travel fees. If there is more than one carrier on your itinerary, airline rules, airline penalties and change fees may apply to EACH airline on your itinerary and each change made.
6.2. Unused or cancelled tickets. Subject to your rights under Australian Consumer Law, If the ticket is refundable, there may be cancellation fees to refund the ticket. Unused tickets may have no value if not cancelled prior to the scheduled departure date/time as specified by the airline's fare rules. Failure to use any reservations may result in automatic cancellation of all continuing and return reservations. You must advise your carrier if your travel plans change en route. Tickets cannot be reassigned or transferred to a different passenger or airline.
6.3. Additional services and fees. Airlines may impose additional costs and fees for baggage, meals, beverages and other services. These costs are your sole responsibility. For information regarding airline liability limitations, baggage liability and other regulations of the Montreal Convention, and other regulations, please consult your air carrier.
6.4. Flight availability. A small number of air carriers may require Hopper to confirm flight availability when booking. If there is any issue with availability, you will receive an email notification of the unavailability and will be refunded to your original payment method for any charges.
6.5. Airline travel credits. In some situations an airline may issue you a credit “in lieu of” a refund according to the fare rules associated with the individual booking. If a credit is issued by an airline, it is held by the airline in the name of the individual who was the passenger of record on the original reservation. This credit can be used towards the payment for the booking of a new trip, subject to the terms and conditions of the credit-issuing airline.
6.6. Flight schedules. Flight schedules are subject to change. Hopper may inform you of schedule changes in some scenarios, but is not responsible for any schedule change(s) or notifying you of such change(s). It is your responsibility to confirm the scheduled departure time(s) on the airlines' websites at least 48 hours prior to departure for domestic flights and at least 72 hours prior to departure for international flights to learn if your flight schedule changed.
6.7. Check-in time and requirements. Check with each airline regarding its specific boarding and check-in requirements. We recommend that you check-in before arriving at the airport, where such advance check-in is offered by our airline. Some airlines offer advance check-in beginning 24 hours before departure. CHECK-IN TIME: The time shown on the itinerary/receipt is the departure time of the aircraft. Flight departure time is not the same as the time you must check-in or the time you must be available for boarding. Your carrier may refuse your carriage if you are late. Check-in times, as advised by your carrier, are the latest times at which passengers can be accepted for travel; boarding times, as advised by your carrier, are the latest times at which passengers must present themselves for boarding. Flight cannot be held for late-arriving passengers, and CBA accepts no responsibility in such cases.
6.8. Aircraft. Turboprop aircraft may exist on your itinerary. Airlines reserve the right to change aircraft equipment without notice to the booking travel agency or the consumer.
6.9. Code-sharing. If a code-share flight exists in your itinerary (a flight where two or more airlines share the same flight), passengers must check in with the operating airline on the day of departure.
6.10. Tickets and boarding passes. All tickets will be issued at the time of booking as e-tickets. You will receive a boarding pass upon checking in with the airline digitally or at the airport.
6.11. Seat selection. Advance seat assignments, if available and allowed by airline, are not guaranteed and could be subject to additional fees. Please inquire with the airline.
6.12. Large group bookings. You may add up to 6 passengers onto a single booking. If you need to book for more than 6 passengers, you may do so for any remaining passengers via another booking. Each booking will have a maximum of 6 passengers. Please ensure that you do not duplicate passenger names across bookings with identical flights and dates. If multiple bookings are identical, including passenger names, they are considered duplicate bookings and will be subject to cancellation by the airline.
6.13. Unaccompanied minors policy. Unfortunately, due to airline contracts, Hopper and CBA Travel cannot support travellers less than 18 years old, unless they are travelling with an adult (age 18 or older) who is named on the same itinerary. If you want to book a flight for an unaccompanied minor, please book directly through the airline.
6.14. EU traveller rights. If you are travelling into or out of the European Union, or on an EU-based airline, You may have rights in the event that your flight is cancelled, delayed or you are denied boarding. Please consult Regulation (EC) 261/2004 for more information.
6.15. Hazardous materials. The carriage of hazardous materials aboard aircraft in your luggage or on you is generally forbidden.
6.16. Baggage allowance. Excess valuation may be declared on certain types of articles. Carriers may apply special rules for fragile, valuable, or perishable articles. Check with your carrier. Carriers may permit a free checked baggage allowance, which is set by the carrier and may differ by class, and/or route. Carriers may apply extra charges for checked baggage in excess of their permitted allowance. Check with your carrier. Cabin (Unchecked) Baggage: Carriers may permit a free cabin baggage allowance, which is set by the carrier and may differ by class, route, and/or aircraft type. It is recommended that cabin baggage be kept to a minimum. Check with your carrier. If more than one carrier is providing the transportation for your journey, each carrier may apply different rules on baggage (both checked and cabin).
6.17. ADVICE TO INTERNATIONAL PASSENGERS ON LIMITATIONS OF LIABILITY. PASSENGERS EMBARKING UPON A JOURNEY INVOLVING AN ULTIMATE DESTINATION OR A STOP IN A COUNTRY OTHER THAN THE COUNTRY OF DEPARTURE ARE ADVISED THAT THE PROVISIONS OF AN INTERNATIONAL TREATY (THE WARSAW CONVENTION, THE 1999 MONTREAL CONVENTION, OR OTHER TREATY), AS WELL AS A CARRIER’S OWN CONTRACT OF CARRIAGE OR TARIFF PROVISIONS, MAY BE APPLICABLE TO THEIR ENTIRE JOURNEY, INCLUDING ANY PORTION ENTIRELY WITHIN THE COUNTRIES OF DEPARTURE AND DESTINATION. THE APPLICABLE TREATY GOVERNS AND MAY LIMIT THE LIABILITY OF CARRIERS TO PASSENGERS FOR DEATH OR PERSONAL INJURY, DESTRUCTION OR LOSS OF, OR DAMAGE TO, BAGGAGE, AND FOR DELAY OF PASSENGERS AND BAGGAGE. ADDITIONAL PROTECTION CAN USUALLY BE OBTAINED BY PURCHASING INSURANCE FROM A PRIVATE COMPANY. SUCH INSURANCE IS NOT AFFECTED BY ANY LIMITATION OF THE CARRIER’S LIABILITY UNDER AN INTERNATIONAL TREATY. FOR FURTHER INFORMATION PLEASE CONSULT YOUR AIRLINE OR INSURANCE COMPANY REPRESENTATIVE. THIS LIABILITY CLAUSE IS SUBJECT TO YOUR RIGHTS UNDER AUSTRALIAN CONSUMER LAW AND NOTHING IN THESE TERMS AND CONDITIONS IS INTENDED TO LIMIT ANY RIGHTS YOU MAY HAVE UNDER AUSTRALIAN CONSUMER LAW.
6.18. Notice of Contract Terms Incorporated by Reference. Your contract of carriage with the carrier that provides you with carriage by air, whether international, domestic or a domestic portion of an international journey is subject to this notice; to any notice or receipt of the carrier; and to the carrier’s individual terms and conditions (“Conditions”), related rules, regulations and policies (“Regulations”) and any applicable tariffs. If your carriage is by more than one carrier, different Conditions, Regulations and any applicable tariffs may apply for each carrier. The Conditions, Regulations and any applicable tariffs of each carrier are, by this notice, incorporated by reference into and made part of your contract of carriage. The Conditions may include, but are not restricted to: (a) Conditions and limits on the carrier’s liability for the bodily injury or death of passengers; (b) Conditions and limits on the carrier’s liability for the loss of, damage to or delay of goods and baggage, including fragile or perishable goods; (c) rules for declaring a higher value for baggage and for paying any supplementary fee that may apply; (d) application of the carrier’s Conditions and limits of liability to the acts of the carrier’s agents, servants and representatives, including any person providing either equipment or services to the carrier; (e) claims restrictions, including time limits by which passengers must file claims or bring actions against the carrier; (f) rules about reconfirmations or reservations; check in times; the use, duration and validity of air transportation services; and the carrier’s right to refuse carriage; (g) rights of the carrier and limits on the carrier’s liability for delay or failure to perform a service, including schedule changes, substitution of alternative carriers or aircraft and re-routing, and, when required by applicable law, the obligation of the carrier to notify passengers of the identity of the operating carrier or substituted aircraft; and (h) rights of the carrier to refuse carriage to passengers who fail to comply with applicable laws or who fail to present all necessary travel documents. You can obtain additional information on items (a) through (h) above and about your contract of carriage (including how to request a copy thereof) at places where transportation on the carrier is sold. Many carriers also have this information on their websites. When required by applicable law, you have the right to inspect the full text of your contract of carriage at the carrier’s airport and sales offices, and upon request, to receive a copy by mail or other delivery service from each carrier free of charge. If a carrier sells air transportation services or checks baggage specifying carriage on another carrier, it does so only as an agent for the other carrier. CARRIERS RESERVE THE RIGHT TO REFUSE CARRIAGE TO ANY PERSON WHO HAS ACQUIRED A TICKET IN VIOLATION OF APPLICABLE LAW OR THE CARRIER’S TARIFFS, RULES OR REGULATIONS. YOU CANNOT TRAVEL IF YOU DO NOT HAVE ALL REQUIRED TRAVEL DOCUMENTS, SUCH AS PASSPORT AND VISA. PASSENGER SHALL ARRIVE AT AIRPORT BY TIME EARLY ENOUGH TO COMPLETE DEPARTURE PROCEDURES. GOVERNMENTS MAY REQUIRE YOUR CARRIER TO PROVIDE INFORMATION ON OR PERMIT ACCESS TO PASSENGER DATA, INCLUDING INFORMATION WE MAY BE REQUIRED TO COLLECT FROM YOU DURING THE RESERVATION PROCESS.

7. Information Applicable to Hotel/Lodging Bookings

7.1. General hotel booking rules. Subject to your rights under Australian Consumer Law, Hotel rooms are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by the terms of the room/rate description. Check the terms carefully before making a hotel reservation for cancellation or change terms and fees. For rooms that are non-refundable, if you change or cancel your reservation at any time, you will still be charged the full reservation amount of room and tax for the entire stay. Early check-out from a hotel is not subject to a refund, unless allowed by the Supplier. If permitted, cancellations or modifications received at any time may be subject to a CBA Travel fee in addition to any Supplier fees. Please note that reservations do not include services not specified in the reservation confirmation.
7.2. Cancellations. Contact Hopper via the number listed on your itinerary for all cancellation or change requests. Cancellations or changes handled by the hotel directly may result in additional fees and/or the forfeiture of any refund due. When cancelling hotel reservations, retain your cancellation number so you will not be held responsible for cancellation charges if you cancel within the permitted cancellation window and the hotel makes an error.
7.3. Non-transferability. Hotel room reservations cannot be transferred or reassigned to another traveller and cannot be resold. If we determine that you have transferred or re-sold a reservation, those reservations are subject to cancellation and will incur applicable cancellation fees in accordance with the rate description.
7.4. No shows and lateness. Subject to your rights under Australian Consumer Law, no shows are non-refundable and will result in a forfeiture of all payments made and used by you in connection with the reservation, without credit due. If you think you may arrive at a hotel late, please contact the hotel directly to arrange for late arrival, if available. Actual times for "late" vary by hotel.
7.5. Check-in requirements. The hotel will require a major credit card, in the name of one of the guests, or a cash deposit upon check-in. Government-issued photo identification is required at check-in and must match the name on the reservation. Some properties have a minimum age requirement for check-in. In some cases, your name may not be provided by CBA Travel to the hotel until 24 hours prior to your arrival, due to hotel Supplier policies applicable to our preferred rates.
7.6. Incidental charges. Hotel reservations include room and applicable hotel taxes only. Any additional hotel charges, such as resort fees and hotel energy surcharges and cleaning fees, and any charges for incidentals that you incur are not included in your reservation rate and must be paid directly to the hotel. Incidental charges may include but are not limited to parking fees, baby sitting, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, and gratuities.
7.7. Special requests. Policies for children vary by hotel. Please contact the hotel directly to learn whether child benefits are offered and whether there are child restrictions. Additionally, please contact the hotel directly for any special requests, such as bed type, smoking preferences or in-room amenities. Special requests are subject to hotel availability.
7.8. Potential renovations and refurbishments. A reasonable attempt will be made to notify guests of hotel renovation or refurbishment if Hopper knows of the same; however, Hopper shall not be liable for any failure to provide such notification or for damages that may result from renovation or refurbishment.
7.9. Hotel ratings. Third-party hotel ratings displayed on the Sites are intended as only general guidelines, and Hopper does not guarantee or endorse any hotel, or the accuracy of any ratings.
7.10. Taxes. To the extent applicable, you acknowledge and agree that the supplier shall be treated by any tax authority in any pertinent jurisdiction as the supplier to the customer of e-collect bookings and the travel service component of an API partner package (where applicable) for VAT purposes as applied by Directive 2006/112/EC (where applicable) and any equivalent domestic legislation in any country.

8. Information Applicable to Rental Car Bookings

8.1. General rental car booking rules. Car rental redemptions may not be available for all locations and destinations. Subject to your rights under Australian Consumer Law, Cancellations or modifications received at any time are subject to the Supplier’s cancellation policies and cancellation fees which could be up to the full amount of the reservation and may also be subject to a CBA fee.
8.2. No shows. Subject to your rights under Australian Consumer Law, no shows are non-refundable and will result in a total forfeiture of any payments made and used by you in connection with the reservation, without credit due.
8.3. Early returns. The early return of car rentals is not eligible for a refund, regardless of situation or notification to the car rental company.
8.4. Additional fees and surcharges. Any additional taxes, fees and surcharges are subject to change without notice, may vary by location, and may be charged to the customer at pick-up.
8.5. Rental rates and rental periods. Rental rates are based on 24-hour periods and may be subject to additional fees depending on time of return, including but not limited to hourly rental charges, which will be billed directly to you by the car rental company. Certain car rentals may have a minimum rental period. Any rentals less than the required minimum days may be charged the minimum rental period.
8.6. Additional charges. Charges for optional services such as insurance, fuel, additional or underage drivers, and special equipment charges, are not included in your rental and must be paid directly to the car rental company. Car rental rates do not include collision damage waiver insurance and theft protection unless specified. Please contact your insurance company if you are unsure whether to accept rental car company insurance at the counter.
8.7. Vehicle. Hopper does not guarantee a specific make, model, or colour of vehicle no matter what vehicle is reserved.
8.8. Age requirements. Renters must meet the minimum (and maximum, if applicable) age requirement where the car is being rented, have a valid driver's license, major credit card and some Suppliers require a good driving record. Most rental car companies do not accept debit cards. Some Suppliers charge a surcharge for drivers above or below certain ages, which is collected by the Supplier at the time of pickup. Suppliers reserve the right to deny car rentals for any reason, including past driving records.
8.9. One way rentals. One way rentals may or may not be permitted. If there are additional fees for one way rentals, when permitted, these fees will not be included in the cost of the reservation. A reasonable attempt to advise of these fees will be made when this information is available to Hopper.

9. Terms for Additional Products and Features

9.1. The CBA Travel Sites may offer a number of Hopper proprietary products for sale, including Hopper Price Freeze (for Air, Hotels or Cars), Flex It bookings (for Air or Hotels), Leave for any Reason, Refundable Fares, Extend Your Void Window, Auto Price Drop, Rapid Rebook and other similar products (“Flexibility Products”), which aim to increase the flexibility of purchased travel items. The purchase of each Flexibility Product is subject to specified terms and conditions that will be made available to you at the time of purchase, and the terms set forth below. These Products are NOT regulated financial products such as insurance, and the specified terms and conditions are not offers to insure or an insurance contract, and do not take the place of insurance obtained or obtainable by you.
9.2. If offered, the additional products and features made available by Hopper through CBA Travel are subject to additional applicable terms and conditions presented prior to the time of purchase. Availability of these services may vary based on the type of your CBA account or card, and not all services are available to all customers or on all bookings. The availability of the services is subject to change without prior notice. Additional fees may apply.
9.3. Terms Applicable to Flex It bookings (Air and Hotel)
- 9.3.1. In connection with flight and/or hotel bookings via the CBA Travel Sites, Hopper may offer a “Flex It” booking option for an additional fee that enables the User to cancel an otherwise non-refundable flight or hotel booking for any reason, and receive a full or partial refund of the purchase price paid for the flight or hotel at the time of booking. Purchases of a “Flex It” booking option in connection with any flight or hotel booking is subject to the following terms as set forth in this Section 9.3. Availability and pricing of the Flex It booking option may vary, and not all services are available to all customers or on all bookings. Hopper may revise these terms at any time by updating this posting.
- 9.3.2. The Flex It booking option for flights entitles you to cancel your flight purchase for any reason, within the time period specified to you at the time of purchase and stated in your confirmation email, prior to your first scheduled departure and receive the refund amount (full or partial) as offered to you at the time of purchase of the Flex It option from Hopper via the CBA Travel Sites. The amount of the refund that your Flex It booking option entitles you to receive may vary. Please review the terms presented at the time of purchase carefully.
- 9.3.3. The Flex It booking option may only be purchased at the time of booking and may not be added after the booking. The Flex It booking option must be purchased for all passengers on the booking, and for all segments or legs of such booking. Hopper reserves the right to deny purchases of the Flex It booking option for any reason permitted by law (e.g., fraud or misuse).
- 9.3.4. The Flex It Fee is Non-refundable. The fee paid for the Flex It booking option is non-refundable and is only valid for the booking for which the option to cancel for any reason was purchased. The option to cancel for any reason is not transferable and cannot be carried over to any future bookings.
- 9.3.5. Cancellation procedure. If you have purchased a Flex It booking option with any flight, you will have the option to cancel that flight for any reason within the time period specified to you at the time of purchase and stated in your confirmation email prior to your first scheduled departure by visiting the CBA travel Sites, navigating to the “My Trips” section, and selecting your flight itinerary. No documentation or reason will be required in order to cancel. After this deadline has passed, the option to cancel for any reason will expire and any changes or cancellations to your purchased flight will be subject to the fare rules imposed by the respective airline carrier for your ticket. Exercising your Flex It booking option to cancel any flight in the booking will result in a cancellation of all purchased flights for that traveller for all legs or segments (i.e., outbound and return flights). If multiple travellers are on the flight booking, you may be able to cancel the flight for individual travellers by calling Hopper, or for all passengers by cancelling online. Cancellations cannot be reversed.
- 9.3.6. Refund method and amount. By purchasing the Flex It booking option, you will be eligible to receive a partial refund from Hopper of the purchase amount paid for your flight. Any Flex It refund amount paid will include a portion of the base fare and all related taxes and fees. The Flex It booking option does not entitle you to a full refund of all trip costs. Any paid add-ons, such as baggage, seat or boarding order selection, and the Flex It booking fee, are not refundable and will not be included in the refund amount. The refund portion is specified upon your purchase of the Flex It booking option. Refunds are typically processed within five (5) business days.
- 9.3.7. Exclusions. The Flex It booking option to cancel for any reason does not apply following the earlier of:
  * 9.3.7.1. A cancellation of any flight by an airline carrier for any reason, including the result of a force majeure event; or
  * 9.3.7.2. Any voluntarily cancellation or change requested by you directly with any airline, of any tickets subject to the cancel for any reason.
  * 9.3.7.3. In the event of such cancellation or change, your option to cancel for any reason shall expire immediately and a refund of your flight purchase will be subject to the fare rules imposed by the respective airline carrier for your ticket.
- 9.3.8. Modifications. If your purchased Flex It flight booking has been modified at your request after booking, the Flex It booking option will apply only to the original amount of the purchased trip. Certain modifications, such as changes to a passenger name or changes not applicable to all passengers on a multi-passenger booking, may require that you contact Hopper in order to use your Flex It option.
9.4. Terms Applicable to the Best Price Guarantee
- 9.4.1. Eligibility. Hopper offers a Best Price Guarantee in connection with flight booking purchases made through the CBA Travel Sites that entities you to a price match if you find the same itinerary on another eligible competing site at a lower price and let Hopper know within 24 hours of booking, subject to the terms and conditions set forth in this Section 9.4.
- 9.4.2. Qualification Criteria. To qualify for the Best Price Guarantee price match, you must keep your original itinerary and the lower-priced itinerary found must be:
  * 9.4.2.1. An exact match to the original itinerary with a price that was available within 24 hours of the original booking confirmation (including the cancellation policy, i.e. refundable or non-refundable, etc.);
  * 9.4.2.2. Priced in AUD, including any taxes and fees;
  * 9.4.2.3. Available to the general public. For example, this means that the rate doesn’t require the customer to log into a site or have a special membership or an available discount personal to the customer; and
  * 9.4.2.4. Available at the time you contact Hopper. Our agent must be able to verify that the lower price exists on the site that you identified.
- 9.4.3. How to make a price match claim. You must submit a Best Price Guarantee price match claim through the Hopper Customer Support team. Agents are available 24X7 and can be contacted via information provided on the CBA Travel Site, and in connection with your booking confirmation. To submit the price match claim, the following information must be provided:
  * 9.4.3.1. The trip ID of the original booking;
  * 9.4.3.2. The amount of the lower price; and
  * 9.4.3.3. The website where you found the lower price so that our agents can verify it.
- If the claim is verifiable, our agents will process the claim quickly and authorize the grant of Travel Credits (subject to the terms set forth in Section 10). If our agents are unable to verify the lower price, we will verify offline and will attempt to respond within 24 hours, though it may take longer in certain cases. If the claim is verifiable, you will receive an email confirmation of your Travel Credit. If the claim is not verifiable after an offline review, you will be notified of the decline by email, and you may not receive a travel credit.
- 9.4.4. Refund method and amount. For reservations that meet the Best Price Guarantee price match criteria, we will credit you, as Travel credit, the difference between the original booking and cheaper exact itinerary. Receipt and use of ‘Travel Credits’ are subject to certain terms and conditions – see the “Travel Credits” section (Section 10) in these terms and conditions for more information.
- 9.4.5. Forfeiture of Travel Credits. You must keep (and not cancel) your original itinerary booking in order to be eligible for the Best Price Guarantee price match ‘Travel Credits’. If you cancel your original itinerary after receiving a Best Price Guarantee grant of Travel Credit, any Travel Credits you received from that Best Price Guarantee will be voided and will no longer be available for you to use.
- 9.4.6. Exclusions. The itinerary you submit must be the exact same as the original booking itinerary via the CBA Travel Sites. If the itineraries are not the same, the Best Price Guarantee will not apply. For flights to be the exact same, the following conditions need to be the exact same:
  * 9.4.6.1. Both itineraries need to be for the exact same flight at the same time;
  * 9.4.6.2. The class of both flights are the same (i.e., both are economy class);
  * 9.4.6.3. They have identical add-ons (i.e., additional baggage, seat selection); and
  * 9.4.6.4. The cancelation policy of the flight is the same.
9.5. Terms Applicable to Auto Price Drop
- 9.5.1. Eligibility. If Hopper recommends via the CBA Travel Sites that it is a good time to book a flight now based on the price prediction services, and if you book and purchase a recommended non-refundable flight, you will automatically receive from Hopper an Auto Price Drop service for that flight booking purchase at no additional charge.
- 9.5.2. Price Drop Service Monitoring Period. Once Auto Price Drop is applied to a flight booking, Hopper will monitor the price of that itinerary (with the same flight, fare class, seat selection if applicable, etc.) via available Hopper partner inventory for ten (10) calendar days after the day of purchase, or until the day prior to departure, whichever is earlier. The Auto Price Drop service will not be applied after ten (10) calendar days from the day of purchase.
- 9.5.3. Issuing Auto Price Drop Travel Credit. For flight bookings that are subject to an eligible drop in price during the monitoring period, a credit will be issued, as Travel Credit, up to AU$50 per booking. The difference between the original booking price and the lowest price found during the monitoring period will be the amount refunded at the end of the period. Receipt and use of Travel Credits are subject to certain terms and conditions - see the “Travel Credits” section (Section 10) in these terms and conditions for more information.
- 9.5.4. Auto Price Drop Exclusions. If you void or cancel the flight after booking, Hopper will not provide the Auto Price Drop service, or any Travel Credit. If a price drop during the monitoring period does not exceed a minimum of AU$5, no Travel Credits will be issued. The Auto Price Drop service will only be applied to non-refundable flight bookings following a price prediction recommendation (in the price prediction screen during flight search) that the flight price is a ‘Great Price.’
9.6. Terms Applicable to Rapid Rebook Service
- 9.6.1. Hopper may make available to you the Rapid Rebook Service. When you purchase the Rapid Rebook Service, you have access to a free rebooking service in the event your originally scheduled flight is disrupted on the day of your trip. Availability of this service may vary, and not all services are available to all users or on all bookings. Hopper may revise these Terms and Conditions at any time by updating this posting.
- 9.6.2. Purchases. The fee for the Rapid Rebook Service is a service fee. If purchased, the Rapid Rebook Service will apply to the purchaser and other passengers on the same booking (“you”), so long as it was purchased at least twenty-four (24) hours in advance of your scheduled departure. The fee to purchase Rapid Rebook Service is assessed per flight booking and provides the service for all passengers included on the travel itinerary at the time of booking, up to the maximum value of the per passenger Service Cap. If there is more than one passenger on the booking, the passenger who made the booking shall determine how to exercise the Rapid Rebook Service, which shall apply to any other passenger included on the booking.
- 9.6.3. How it Works. You may use the Rapid Rebook Service once per your booked itinerary and only in the event that within 24 hours of the original departure time of your flight, your flight is either delayed by more than the time specified under your purchased service (which will be disclosed to you prior to purchase) or is canceled by the airline (a “Flight Disruption”). In the event of a Flight Disruption, you will have the option to rebook your disrupted flight on a qualifying flight through CBA Travel at no cost, up to the maximum cost per passenger specified to you at the time of purchase and stated in your confirmation email (“Service Cap”), or, if you are not satisfied with your rebooking options, to receive a refund of your full base fare. We will notify you when we detect a Flight Disruption and direct you to rebook through CBA Travel. If you elect to use the Rapid Rebook Service and the per passenger costs of the new flight exceed the Service Cap, you will be required to pay the per passenger costs in excess of the Service Cap at the time of re-booking. If you are not satisfied with your rebooking options, you will have the option to get a refund of your full base fare (including taxes and fees) booked through CBA Travel. Requesting a refund does not require you to contact your airline. However, if you receive a refund through the Rapid Rebook Service, you will not have the option to request an additional refund for the same ticket through the airline directly. See Section 9.6.8 (below) for more details about receiving a refund. If no decision to use the flight disruption assistance service is made, the service will expire twenty-four (24) hours after the last flight of your booked trip.
- 9.6.4. Eligible Reasons for Flight Disruptions. To be eligible to use the Rapid Rebook Service, the Flight Disruption must occur while you are in transit and traveling to or from your destination. “In-transit” means the disruption must have occurred within twenty-four (24) hours of your scheduled departure time for the impacted flight. The reason the flight was delayed or canceled must be due to an eligible reason. Eligible reasons include, but are not limited to, delays or cancellations, in each case due to airline issues, customs issues or weather. All determinations of whether a disruption was due to an eligible reason will be at the discretion of CBA Travel.
- 9.6.5. Exclusions. The service does not apply following the earlier of:
  * 9.6.5.1. A cancellation or modification of any flight by an airline carrier for any reason, including the result of a force majeure event; or
  * 9.6.5.2. Any voluntary cancellation or modification requested by you for any of the tickets subject to the service.
  * 9.6.5.3. In the event of such cancellation or modification, your purchased service shall expire immediately and a change to your travel dates or a refund of your purchased flight booking will be subject to the fare rules imposed by the respective airline carrier for your ticket.
- 9.6.6. Things to Know About Booking a New Flight. If a Flight Disruption occurs and you elect to use the service to rebook a new ticket on a qualifying flight, you must be able to arrive at the gate of the new or new connecting flight in time to board. CBA Travel is not responsible for ensuring you arrive at the gate on time and will not pay any additional costs if you miss your new flight. Additionally, please note:
  * 9.6.6.1. Checked luggage: If you have any checked luggage, you must coordinate directly with the original airline to retrieve your luggage before or after your new flight. CBA Travel is not responsible for any baggage retrieval and will not cover any baggage fees.
  * 9.6.6.2. Return flights or additional flights on your itinerary: If you elect to use this service, you are solely responsible for confirming with the airline on your original booking that the remainder of the flights in your booking, including any return flights, will not be canceled. If you elect to use the service and have a return flight or remaining legs of your trip that you wish to use, call your original airline directly to: (1) let them know you have found alternate travel for your disrupted flight and (2) request confirmation that any additional or return flights will not be canceled on your reservation. If the airline on the original booking cancels the remaining flight(s) on your original booking and you inform CBA Travel of such cancellation by contacting an agent or via the automated rebooking tool, CBA Travel will offer you the option to rebook a new flight to replace the canceled flight(s) at no extra cost, subject to these Terms and Conditions (including the Service Cap).
- 9.6.7. Other Restrictions. If you elect to use the Rapid Rebook Service, CBA Travel will not be responsible for any fees and costs incurred by you (e.g., new baggage fees or upgrades) other than the costs of the new eligible ticket(s) or refund for a disrupted flight, as applicable, and in each case subject to the Service Cap. The service is valid for ONE Flight Disruption per passenger in connection with the trip for which the service was purchased. A second Flight Disruption on the same trip itinerary will not be eligible for the service. The service does not carry over to any future bookings made with CBA Travel. The service is only offered on select bookings. CBA Travel reserves the right to deny the purchase of the service to any customer for any lawful reason. In the event you make a voluntary schedule change or cancelation more than twenty-four (24) hours before your departure date, the service will no longer be valid. In the event the airline makes an involuntary schedule change, the service will no longer be valid and you may contact Hopper customer support to obtain a refund of your service cost. The service cost is non-refundable and non-transferable.
- 9.6.8. Service Satisfaction Guarantee. The service comes with a satisfaction guarantee, as set forth in this Section. If you are eligible for and elect to use the Rapid Rebook Service, and you are not happy with the rebooking options offered by CBA Travel, you may choose to receive a refund for the cost of your original flight ticket(s) for which the service was purchased. Refunds cover the full base fare and related taxes and fees. Any paid add-ons, such as baggage, seat or boarding order selection, and Rapid Rebook Service, are not included in the refund. Refunds will be delivered to your original payment method (e.g., credit card, travel credits and/or rewards redemption). If you used a mixture of a credit card, redeemed rewards, and/or travel credits to purchase the fare, the difference will be refunded proportionally. The election to receive a refund shall be in lieu of rebooking on a new flight; if you elect to receive a refund, then the ability to rebook a disrupted flight with the service shall be immediately null and void. You may not be eligible to receive this service satisfaction guarantee refund in the event you elect to receive any cash or credit card refund provided from the airline for the cost of your disrupted flight. However, if you exercise the service satisfaction guarantee and receive a full refund for your booking through CBA Travel, you will still be eligible to receive any future travel credits or other non-cash equivalents that the airline may provide as compensation for the disrupted flight.
- 9.6.9. Passenger Rights Regimes. Certain jurisdictions, including the United Kingdom and the European Union, have adopted laws and/or regulations requiring airlines to compensate passengers in the event of certain disruptions to scheduled air travel (a “Passenger Rights Regime”). In the event of such a disruption, you may be eligible for compensation under a Passenger Rights Regime, regardless of whether you elect to purchase the Rapid Rebook Service. Flights within Australia, international flights departing Australia, and international flights to Australia booked through an Australian airline website are subject to basic consumer rights known as consumer guarantees. This includes a guarantee that services be provided to you within a reasonable time. In certain circumstances, you may be entitled to a refund or a different replacement flight, regardless of whether you purchase the Rapid Rebook Service.
- 9.6.10. Interaction with Other CBA Travel Services, Offers and Promotions. If you purchased the service for a flight purchased following receipt of any refund from CBA Travel such as an Auto Price Drop refund or price match guarantee refund, the dollar amount of any refund you receive as part of the flight disruption assistance service will be based on the final price you paid for the airline ticket(s) after receiving a refund or discount under any other offers, promotions, or services available through CBA Travel. If you have purchased the Flex It option in addition to the Rapid Rebook service for the same CBA Travel booking, your option to cancel for any reason will remain valid within the time period specified to you at the time of purchase and stated in your confirmation email prior to your first scheduled departure. If you exercise your Flex It option, your Rapid Rebook Service will immediately be null and void and you will not be entitled to receive any refund or rebooking under the service. Please see the “Flex It Bookings” section above for more information.
- 9.6.11. SMS Consent. By purchasing the Rapid Rebook Service, you hereby consent to receive SMS messages for the purpose of CBA Travel communicating updates to you regarding your purchased service.
- 9.6.12. Not Insurance. The service is a guarantee that CBA Travel will rebook you on a new, qualifying flight in the event you experience a Flight Disruption. In the event CBA Travel is unable to provide the rebooking service to your satisfaction, CBA Travel will provide a refund to your original payment method as specified in Section 9.6.8. CBA Travel provides its customers with the flight disruption assistance service to provide a more seamless and flexible experience for travel booked on the CBA Travel portal. The service Terms and Conditions are not intended to constitute an offer to insure, do not constitute insurance or an insurance contract, and do not take the place of insurance obtained or obtainable by you.

10. Travel Credits

10.1. The CBA Travel Sites provided by Hopper may offer, grant, or issue you credit(s) (“Travel Credit”) in connection with the terms applicable to certain free or purchased products (e.g., Price Drop, Best Price Guarantee) that will be available for application toward future purchases on the CBA Travel Sites. Travel Credit may accumulate in your Travel Wallet, accessible in the Travel Wallet section of the CBA Travel Sites, along with other credits or rewards received in connection with other qualified bookings or purchases. The accumulated balance of Travel Credits may only be used for future qualified purchases on the CBA Travel Sites.
10.2. No Cash Value; Non-Transferrable. Travel Credits are not cash or currency, stored value, or account credit, and have no relation to CommBank Yello points. Travel Credits are not exchangeable for cash, not transferable, and have no cash value. Travel Credits are an incentive provided to CBA Travel Site customers for loyalty, award or promotional purposes only and may only be used toward qualifying purchases by you via the CBA Travel Sites.
10.3. Redemption. When you make an eligible booking or purchase via the CBA Travel Site(s), you will be offered an option to select to use the full value of your available Travel Credits to pay all or a portion of your booking or purchase. Travel Credits will be available to use in your account within 5-7 business days of the grant or issuance, but in some cases may take longer. Please contact Hopper support if you are not seeing your Travel Credits in the Travel Wallet section of the CBA Travel Sites.
10.4. Expiration. Travel Credits have a 2-year expiry from the date that the Travel Credit was granted, issued, and/or credited to your CBA Travel account (unless a different time was specified in connection with the offer, grant, or issuance of the Travel Credit). Expiry dates can be viewed in the Travel Wallet found in the Home menu of the CBA Travel Sites. All Travel Credits expire as indicated at issuance or grant, at the cardholder's death, or when the cardholder no longer has an eligible CommBank debit or credit card account, whichever occurs first.
10.5. Additional Restrictions. Travel Credits may not be available for application to purchases of certain third-party travel services. Additional applicable restrictions on the use of any Travel Credit may be disclosed in the Travel Wallet section of the CBA Travel Sites.

11. Intellectual Property

11.1. The CBA Travel Sites downloaded or accessed by you pursuant to these Terms, including without limitation all of the text, images, sound, marks, logos, compilations (meaning the collection, arrangement and assembly of information) and other content contained therein, and all software, source or object code, systems, data, and algorithms embodied in or supporting the CBA Travel Sites, or otherwise used by CBA and/or Hopper to deliver the CBA Travel Sites, and all intellectual property rights therein including without limitation patent, copyright, trademark rights (collectively, the “Site Property”), is the sole and exclusive property of CBA and/or Hopper (as applicable) and/or of third parties provided under license to, or used with permission by, CBA and/or Hopper, and is protected under Australian, United States, Canada, and other federal, local, and international laws. Hopper and CBA reserve all rights in the Site Property, including without limitation copyright, trademark, patent, and trade secret rights, and no rights in such Site Property are granted except as expressly provided herein. You are hereby granted a limited, personal, non-exclusive, non-transferrable, non-sublicensable, and revocable right to access, download, and use the CBA Travel Sites solely for the purposes expressly authorized by these Terms and Conditions, provided that you comply with these Terms and Conditions.
11.2. Trademarks. The respective names, logos, service marks and trademarks of Hopper and CBA are the property of Hopper and CBA, and are protected under the laws of Australia and other countries around the world, and may not be used in connection with any service or products other than those provided by or expressly authorized by CBA and/or Hopper, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits CBA or Hopper. The CBA Travel Sites may also incorporate protected trademarks of third parties, and the use of such trademarks does not constitute an affiliation, endorsement or sponsorship of CBA or Hopper by any third party.
11.3. Third-Party Property. The CBA Travel Sites feature the trademarks, service marks, images, logos, and data of third parties, including those of Hopper’s third-party travel service partners (“Third-Party Property”). Each third-party owner retains all rights in such Third-Party Property. Any use of such Third-Party Property provided or displayed in the CBA Travel Sites, inures solely to the benefit of their respective owners. Hopper’s use of such Third-Party Property does not imply any affiliation or relationship between Hopper and/or CBA and the third party nor any endorsement of Hopper and/or CBA or the CBA Travel Sites by such third party.
11.4. Feedback. You have no obligation to provide Hopper or CBA with ideas, suggestions, recommendations, enhancement requests, testimonials, endorsements, product reviews or information regarding your experience using the CBA Travel Sites (“Feedback”). However, if you submit Feedback to or about CBA or Hopper or the CBA Travel Sites, either directly or indirectly via a third-party review site or a survey initiated by Hopper or CBA, then you grant to CBA and Hopper a non-revocable, non-exclusive, worldwide, royalty-free license that is sub-licensable and transferable, to make, use, reproduce, publicly display, distribute, sell, modify or publicly perform the Feedback in any manner without any obligation, royalty or restriction based on intellectual property rights or otherwise.

12. Limitation of Liability

12.1. Consumer rights under the Australian Consumer Law. If you are a consumer to which the Australian Consumer Law applies, you have certain rights in connection with purchases and bookings made via the CBA Travel Sites, including under the consumer guarantees as described above and throughout these Terms and Conditions. Nothing in these Terms and Conditions or any rules and restrictions limits, excludes or modifies any rights you have that cannot lawfully be limited, excluded or modified. Information about the consumer guarantees is available from the website of the Australian Competition and Consumer Commission.
12.2. Our liability. Hopper operates the CBA Travel Sites, and the Suppliers provide the travel services to you. To the maximum extent permitted by law, Hopper will not be liable for:
- ● any travel services that the Suppliers make available to you;
- ● the acts, errors, omissions, representations, warranties or negligence of any Suppliers, or
- ● for any personal injuries, death, property damage or other damages or expenses resulting from the above.
Subject to the limitations in these Terms and Conditions and the Australian Consumer Law, Hopper shall not be liable for any direct, indirect, punitive, special, incidental or consequential losses or damages arising from:
- ● the travel services
- ● the use of the CBA Travel Sites
- ● any delay or inability to use the CBA Travel Sites, or
- ● the use of links from the CBA Travel Sites,
whether based in negligence, contract, tort, strict liability, consumer protection statutes, or otherwise, and even if the relevant person has been advised of the possibility of such damages, save to the extent that such losses or damages are directly caused by the negligence or actions of Hopper.
If Hopper is found liable for any loss or damage under these Terms and Conditions, then, to the maximum extent permitted by law, Hopper shall only be liable to you for direct damages that were:
- ● reasonably foreseeable by both you and us (or our Suppliers as applicable)
- ● actually suffered or incurred by you, and
- ● directly attributable to our actions or negligence (or the actions or negligence of our Suppliers as applicable),
and in the event of any liability of us, such liability will in no event exceed, in total, the cost paid by you for the travel services in question.
This limitation of liability reflects the allocation of risk between you and Hopper. The limitations specified in this section will survive and apply even if any limited remedy specified in these Terms and Conditions is found to have failed its essential purpose. The limitations of liability provided in these Terms and Conditions inure to the benefit of Hopper.
12.3. Inaccurate Information. The Suppliers provide Hopper with information describing the travel services. This information includes travel service details, photos, rates and any relevant rules and restrictions, etc. We display this information through the CBA Travel Sites. The Suppliers are responsible for ensuring that such information is accurate, complete and up to date. Hopper will not be liable for any inaccuracies in such information (and this also includes property ratings which are intended as guidance only and may not be an official rating), save to the extent that such inaccuracies are caused by our negligence or wilful misconduct. Hopper does not, to the extent permitted by law, make guarantees about the availability of specific travel services. Photos and illustrations on the CBA Travel Sites are provided as a guide to show you the level and type of accommodation only.
12.4. Disclaimer of Warranties. Subject always to your rights under the Australian Consumer Law and any other applicable laws, and except as expressly set out in these Terms and Conditions:
- ● all information, software, or travel services displayed through our CBA Travel Sites are provided without any warranty or condition of any kind, and
- ● Hopper disclaims all such warranties and conditions.
The display of travel services through the CBA Travel Sites is not an endorsement or recommendation of such travel services by Hopper. Hopper disclaims, to the maximum extent permitted by law, all warranties and conditions that the CBA Travel Sites, its servers or any email sent from Hopper are free of viruses or other harmful components.
12.5. Consumer guarantee under the Australian Consumer Law. If you are a consumer under the Australian Consumer Law and the goods and/or services supplied to you are not of a kind ordinarily acquired for personal, domestic or household use or consumption, then the liability of us for failure to comply with a consumer guarantee under the Australian Consumer Law (other than a guarantee under section 51, 52 or 53) is limited to one or more of the following, at our election (as applicable):
- ● in relation to the supply of services: the resupply of the services or the payment of the cost of having the services supplied again; and/or
- ● in relation to the supply of goods: the replacement of the goods or the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or of acquiring equivalent goods, or the payment of the cost of having the goods repaired.
12.6. Force Majeure. Every instance of force majeure, including the interruption of means of communication or a strike (by airlines, properties or air traffic controllers, as applicable), will lead to the suspension of the obligations in these Terms and Conditions that are affected by the force majeure event. In such a case the party affected by the force majeure event will not be liable as a result of the inability to meet such obligations.

13. DISPUTE RESOLUTION

13.1. ARBITRATION AND CLASS ACTION WAIVER. You agree that all claims, disputes, or disagreements that may arise out of the interpretation of or performance under these Terms and Conditions, any payments to Hopper, or otherwise related in any way to your use of CBA Travel, the Sites and/or the content therein, shall be submitted exclusively to binding arbitration, except that each party retains: (i) the right to bring an individual action in small claims court for disputes and actions within the scope of such court’s jurisdiction; and (ii) the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. Arbitration means that an arbitrator and not a judge or jury will decide the claim. Rights to prehearing exchange of information and appeals may also be limited in arbitration. YOU ACKNOWLEDGE AND AGREE THAT YOU AND HOPPER ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY. You further acknowledge and agree that you waive your right to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, unless both you and Hopper otherwise agree in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any class or representative proceeding. If this class action waiver is held unenforceable, then the entirety of this "Dispute Resolution" section will be deemed void. Except as provided in the preceding sentence, this "Dispute Resolution" section will survive any termination of these Terms.
13.2. Arbitration Rules. Any arbitration will be administered by the American Arbitration Association ("AAA"). Except as modified by this “Dispute Resolution” provision, the AAA will administer the arbitration in accordance with either (A) the Commercial Arbitration Rules then in effect, or (B) the Consumer Arbitration Rules then in effect if the matter involves a “consumer agreement” as defined by Consumer Arbitration Rule R-1 (together, the "Applicable AAA Rules"). (The Applicable AAA Rules are available at https://www.adr.org/Rules or by calling the AAA at 1-800-778-7879). The Federal Arbitration Act will govern the interpretation and enforcement of this entire “Dispute Resolution” provision.
13.3. Arbitration Process. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the Applicable AAA Rules. (The AAA provides applicable forms for Demands for Arbitration at https://www.adr.org/sites/default/files/Demand\_for\_Arbitration\_0.pdf (Commercial Arbitration Rules) and https://www.adr.org/sites/default/files/Consumer\_Demand\_for\_Arbitration\_Form\_1.pdf (Consumer Arbitration Rules). The arbitrator will be either a retired judge or an attorney licensed to practice law in the county in which you reside and will be selected in accordance with the Applicable AAA Rules. If the parties are unable to agree upon an arbitrator within fourteen (14) days of the AAA’s notice to the parties of its receipt of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
13.4. Arbitration Location and Procedure. Unless you and Hopper otherwise agree, the arbitration will be conducted in the county where you reside. If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of documents you and Hopper submit to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the Applicable AAA Rules. Subject to the Applicable AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
13.5. Arbitrator's Decision. The arbitrator will render an award within the time frame specified in the Applicable AAA Rules. The arbitrator's decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator's award of damages and/or other relief must be consistent with the terms of the "Limitations of Liability" section above as to the types and the amounts of damages or other relief for which a party may be held liable. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide the relief warranted by the claimant's individual claim. If the arbitrator determines that you are the prevailing party in the arbitration, and only if authorized under applicable law, the arbitrator may award reasonable attorneys' fees and expenses. Hopper will not seek, and hereby waives, all rights Hopper may have under applicable law to recover attorneys' fees and expenses if Hopper prevails in arbitration unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose.
13.6. Fees. Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the Applicable AAA Rules. However, if your claim for damages does not exceed $25,000, Hopper will pay all such fees unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose.
13.7. Changes. Hopper reserves the right to change this "Dispute Resolution" section, but any such changes will not apply to disputes arising before the effective date of such amendment. Notwithstanding the provisions of the modification-related provisions above, if Hopper changes this "Dispute Resolution" section after the date you first accepted the Terms (or accepted any subsequent changes to these Terms), you agree that your continued use of the Sites or Services after such change will be deemed acceptance of those changes. If you do not agree to such change, you may reject any such change by providing Hopper written notice of such rejection by mail or hand delivery to: Hopper, Attn: Legal Department, 265 Franklin Street, Suite 1702, Boston, MA 02110 or by email from the email address associated with your account to: legal@hopper.com, within 30 days of the date such change became effective, as indicated herein. In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to this "Dispute Resolution" section. By rejecting changes, you are agreeing that you will arbitrate any dispute between you and Hopper in accordance with the provisions of this "Dispute Resolution" section as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms, as applicable).

14. Additional Terms.

14.1. These Terms and Conditions constitute the entire agreement of the parties as to its subject matter, and supersede all prior written and oral representations and discussions between the parties. The Terms shall be governed by the laws of Australia without reference to principles of conflicts of laws. No delay or omission by CBA in exercising any of its rights occurring upon any noncompliance or default by you with respect to these Terms will impair any such right or be construed to be a waiver thereof, and a waiver by CBA of any of the covenants, conditions or agreements to be performed by you will not be construed to be a waiver of any succeeding breach thereof or of any other covenant, condition or agreement hereof contained. You may not assign any of your rights arising under these Terms without CBA’s written consent. If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, then these Terms will remain in full force and effect and will be reformed to be valid and enforceable while reflecting the intent of the parties to the greatest extent permitted by law. The provisions of these Terms are entered into for the benefit of CBA and you and there shall be no third-party beneficiaries to these Terms. In the event of a conflict between these Terms and any other CBA agreement, terms, or policy provided to you, directly or indirectly, these Terms shall prevail. CBA may revise these Terms and Conditions at any time by updating this posting.

Date last updated: 1 October 2026

Source: https://www.commbank.com.au/content/dam/commbank-assets/commbank-yello/docs/bp-rewards-for-commBank-yello-offer-terms-conditions.pdf

BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions Overview: If you would like to receive the Fuel Offer, there are certain terms and conditions that apply. The BP Rewards & BPme Terms and Conditions form part of these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions as if they were set out in full below. If there is any inconsistency between these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions and the BP Rewards & BPme Terms and Conditions , these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions will prevail. When you register for BP Rewards Unlocked, you will be asked to accept: ● These BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions ; ● the BP Rewards & BPme Terms and Conditions ; and ● the BP Privacy Collection Notice and BP Privacy Policy . By accepting, a legally binding agreement is formed between BP and you, so you should read each of these documents so that you can make an informed choice about whether you would like to continue signing up for and participating in BP Rewards Unlocked. BP Rewards Unlocked is part of the BP Rewards program and is operated and administered by BP Australia Pty Limited (ABN 53 004 085 616). Definitions : Some important key words that are used in these terms and conditions are defined below. If you see a capitalised term used in this document, which is not defined here, it will have the same meaning as set out in the BP Rewards & BPme Terms and Conditions . BP Rewards Card means an acceptable form of physical or digital rewards card or any other form of electronic device or software application or other method that is linked to a BP Rewards Account, which is used to enable participation in the BP Rewards program. As at the date these terms are published, the acceptable forms of reward cards are the bp issued and branded BP Rewards card, digital bp branded BP Rewards card, and the Qantas Frequent Flyer membership card. BP Rewards Unlocked Fuel Offer is the offer set out in Item 4 of the Schedule. BP Rewards Unlocked Fuel Offer Sites means the BP Rewards Service Stations in Australia at which the BP Rewards Unlocked Fuel Offer is available. BP Rewards Unlocked Member means an individual who meets the conditions set out in clause 3 of these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions . BP Rewards Unlocked Offer means the BP Rewards Unlocked Fuel Offer Business Day means a day that is not a weekend or public holiday in NSW, Australia. Eligible Payment Methods means the methods of payment that must be used in order to receive the BP Rewards Unlocked Offer and include without limitation: (a) cash; credit and debit bank issued cards that are accepted at the BP Rewards Unlocked Fuel Offer Site (as applicable); (b) BP Gift Card; and (c) when you redeem your BP Points for Dollars Off at BP, or when you use Qantas Points to pay. The following payment methods are not Eligible Payment Methods for receiving a discount:

BP Plus;
Motor Pass Cards;
Motor Charge Cards;
Fleet Cards;
Distributor Cards;
On the Run App;
BP Plus App; and
Pay with BPme. If we remove a form of payment from being an Eligible Payment Method, we will update these terms and conditions and provide you with 14 days’ notice. Fuel to which the BP Rewards Unlocked Fuel Offer applies is set out in Item 4 of the Schedule. Relevant Partner means Commonwealth Bank of Australia set out in Item 1 of the Schedule. What criteria do I need to meet to be a BP Rewards Unlocked Member? You must meet the following criteria to be a BP Rewards Unlocked Member and to be eligible to receive the BP Rewards Unlocked Offer. You must: (a) be a current member of the BP Rewards program and have accepted and comply with the BP Rewards & BPme Terms and Conditions ; (b) have registered and linked your BP Rewards Card to your BP Rewards Account; (c) have accepted and comply with these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions: (d) have accepted the terms of the BP Privacy Collection Notice and BP Privacy Policy ; (e) be associated with the Relevant Partner in the manner set out in Item 2 of Schedule 1; and (f) meet any other conditions set out in Item 3 of the Schedule. What is the BP Rewards Unlocked Offer? The BP Rewards Unlocked Offer is set out in Item 4 of the Schedule and is subject to the limitations described in clause 5 below. What limitations apply to the BP Rewards Unlocked Offer? The limitations that apply to the BP Rewards Unlocked Offer are set out in Item 5 of the Schedule and below. (The BP Rewards Unlocked Fuel Offer will only apply to the first 120 litres of Fuel purchased by you each day (AEST time applies) and a maximum of 3 fuel transactions per week. When calculating the 120 litres, BP will aggregate all Fuel types purchased. The BP Rewards Unlocked Offer is for reasonable personal and non-commercial use. BP has discretion to suspend or terminate your access to the discount if BP reasonably believes it is not being used for these purposes. Where there is a technical issue or some other outage meaning that you are unable to claim the BP Rewards Unlocked Offer at the time that the transaction is processed, you will be unable to claim the BP Rewards Unlocked Offer. BP will instead automatically provide you with Points at a rate of 1 Point per cent of discount you would have received if the BP Rewards Unlocked Offer was able to be claimed at the time of the transaction. If you have not received these Points within 5 Business Days of the transaction, please contact BP on 1300 277 392. BP may require that you provide a copy of your receipt, details of your BP Rewards Card and verify the details BP holds for your BP Rewards Account in order to provide you with these Points.

If you have chosen to receive BP Points under your BP Rewards Account, you will receive BP Points. If you have chosen to receive Qantas Points under your BP Rewards Account, you will receive Qantas Points. If you wish to redeem your BP Points for Dollars Off at BP, the usual terms and conditions for redeeming Points under the BP Rewards & BPme Terms and Conditions apply (including that you must have at least 500 BP Points for Dollars Off at BP to be available, i.e., for $5 off). Please refer to the BP Rewards & BPme Terms and Conditions for the terms and conditions that apply to redeeming these BP Points, in particular section 2.4 of the BP Rewards & BPme Terms and Conditions . If you wish to redeem your Qantas Points at BP, the usual terms and conditions for redeeming Qantas Points under the BP Rewards & BPme Terms and Conditions apply (including that you must have at least 1,900 Qantas Points before you can redeem, i.e., for $10 off which is capped at a maximum of 19,000 Qantas Points being redeemed per transaction, i.e., a maximum of $100 off per transaction or $300 in total per day. These rates may vary during promotional periods). Please refer to the BP Rewards & BPme Terms and Conditions for the terms and conditions that apply to redeeming these Qantas Points, in particular sections 5.11 and 2.4.7 of the BP Rewards & BPme Terms and Conditions . The BP Rewards Unlocked Offer is personal to you The BP Rewards Unlocked Offer is personal to you and is not transferable. You agree that you will not assign or otherwise transfer the benefit of the BP Rewards Unlocked Offer (by any means) to any other person or entity. You agree that you will not allow any other person to use your BP Rewards Card(s) to claim the BP Rewards Unlocked Offer. It is your responsibility to ensure that your BP Rewards Card, BP Rewards Card details and BP Rewards Account details are at all times kept secure and not shared with any other person or entity. You must immediately notify BP if your BP Rewards Card, BP Rewards Card details or BP Rewards Account details become lost, stolen or subject to possible unauthorised use. To notify BP please call 1300 277 392. BP may at any time suspend or terminate your BP Rewards Account and/or BP Rewards Card, which will immediately cancel all privileges and benefits that attach to that BP Rewards Card and/or BP Rewards Account, if (acting reasonably): (a) we consider that your BP Rewards Card, BP Rewards Card details or BP Rewards Account details have been used other than as permitted or contemplated by these CommBank Yello Fuel Offer Terms and Conditions; or (b) we reasonably suspect that a person other than you is using your BP Rewards Card, or there is any suspicious or fraudulent behaviour associated with your participation in the BP Rewards Unlocked Offer. We reserve the right to take any other actions we think are reasonable to recover any of our losses, including but not limited to recovering the value of any Discounts provided as part of the BP Rewards Unlocked Offer from you if we take action pursuant to clauses 6(a) or 6(b). If you consider that BP has improperly suspended your Account, please contact BP on 1300 277 392. BP will reinstate your account if you provide reasonable evidence that your BP Rewards Card, BP Rewards Card details or BP Rewards Account details have been used as permitted or contemplated by these CommBank Yello Fuel Offer Terms and Conditions; , or no suspicious or fraudulent behaviour has taken place, and BP considers (acting reasonably) that your suspension was improper. You are responsible for and BP is not liable for any unauthorised use whatsoever of your BP Rewards Card. However, once you have reported to BP that your BP Rewards Card, BP Rewards Card details or BP Rewards Account details have become lost, stolen or subject to possible unauthorised use BP will take responsibility for any unauthorised use that occurs after that time.

How do I claim the BP Rewards Unlocked Offer? In order to claim the BP Rewards Unlocked Fuel Offer, you must: (c) visit a BP Rewards Unlocked Fuel Offer Site ; (d) fill-up with Fuel; (e) have your valid BP Rewards Card scanned before the transaction is finalised ; (f) pay in-store with an Eligible Payment Method. Availability of the BP Rewards Unlocked Fuel Offer is subject to Fuel availability and the other limitations that apply to the BP Rewards Unlocked Offer as set out in Item 5 of the Schedule. Please note, when scanning a digital BP Rewards Card please ensure that you have your mobile phone screen brightness turned up to full. I forgot to claim the BP Rewards Unlocked Offer, can I claim this later? If you forget to have your valid BP Rewards Card scanned before a transaction is finalised, we are not able to apply the BP Rewards Unlocked Offer retrospectively. You will not be provided with any Points for this transaction either. How do I find a BP Rewards Unlocked Fuel Offer Site? You can use Store Finder to find BP Rewards Unlocked Fuel Offer Sites or by using the bp website (www.bp.com.au) or by using the BP Rewards website (www.bprewards.com.au) to look up bp service stations using filters. We have ongoing processes to update our service station data however unfortunately neither bp nor our third-party service provider can guarantee that the information displayed through the Store Finder service is correct or up to date at all times. What happens if I do not receive the BP Rewards Unlocked Offer at the time of payment? If you are unable to claim the BP Rewards Unlocked Offer at the time that the transaction is processed, for example where there is a technical issue or some other outage, but you have nevertheless complied with these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions you will unfortunately be unable to claim the BP Rewards Unlocked Offer. Please refer to clause 5 above for further information. How long will the BP Rewards Unlocked Offer be available? BP reserves the right to update these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions , including the terms of the BP Rewards Unlocked Offer from time to time upon notice in accordance with clause 14. The BP Rewards Unlocked Offer may cease at any time upon BP giving you 10 Business Days’ notice or otherwise immediately if BP’s agreement with the Relevant Partner regarding this BP Rewards Unlocked Offer terminates or expires. How do I withdraw my consent to BP contacting the Relevant Partner and the Relevant Partner notifying BP of my status as a member of the CommBank Yello Program? If you want to withdraw your consent to BP contacting the Relevant Partner and the Relevant Partner notifying BP of your status as a member of the CommBank Yello Program you can do so by calling us on 1300 277 392. Please note that it may take up to 5 Business Days for these changes to take effect.

If however you do withdraw this consent, you will no longer be eligible for the BP Rewards Unlocked Offer and will no longer be a BP Rewards Unlocked Member. You may still be eligible to receive the benefits of the BP Rewards program under the BP Rewards & BPme Terms and Conditions . How do I cancel my participation in BP Rewards Unlocked? If you want to cancel your participation in BP Rewards Unlocked you can do so by calling us on 1300 277 392. If you do so, you may still be eligible to receive the benefits of the BP Rewards program under the BP Rewards & BPme Terms and Conditions . If you want to permanently cancel your entire BP Rewards profile and/or cancel your BP Rewards Account you can call us on 1300 277 392. See section 5.3.4 of the BP Rewards & BPme Terms and Conditions for more details. Changes to these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions BP may add to or vary these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions (including but not limited to the BP Rewards Unlocked Offer) from time to time by posting amended terms on its website. BP will notify you of any material changes to the terms and conditions. If the changes cause you detriment (financial or otherwise) we will provide you with at least 10 Business Days’ notice prior to the change. You may terminate this agreement at any time by calling us on 1300 277 392 including if You do not accept any changes BP makes to these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions . Date Published: 1 October 2026

Schedule to BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions Item 1 Who is the Relevant Partner? Commonwealth Bank of Australia ABN 48 123 123 124 of Commonwealth Bank Place South, Level 1, 11 Harbour Street, Sydney, NSW 2000 Item 2 What association do you need to have with the Relevant Partner? You must be a current member of the CommBank Yello for retail program. Eligibility for CommBank Yello is determined in accordance with the CommBank Yello Terms and Conditions , available at www.commbank.com.au/commbank-yello Item 3 What conditions do you need to meet to be a BP Rewards Unlocked Member and be eligible for this BP Rewards Unlocked Offer? In addition to those conditions set out in clause 3 of these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions , you must have consented (and not withdrawn your consent) to BP contacting the Relevant Partner and the Relevant Partner notifying BP whether or not you continue to be associated with the Relevant Partner in the manner set out in Item 2 of Schedule 1. Item 4 What is the BP Rewards Unlocked Fuel Offer? The BP Rewards Unlocked Fuel Offer is set out in this Item 4 subject to the limitations set out in clause 5 of these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions : The types of fuel to which the BP Rewards Unlocked Fuel Offer applies are: E10, 91, 95, Ultimate 98, Diesel, Ultimate Diesel or as otherwise updated by BP from time to time (“ Fuel ”). The BP Rewards Unlocked Fuel Offer is as follows: • 9 cents per litre off Fuel inclusive of GST from 1 October 2026 until 31 December 2026 • 5 cents per litre off Fuel inclusive of GST from 1 January 2027 – 30 September 2027 The above discount is correct as at the date of these terms and conditions. . When we say the discounts are “per whole litre of Fuel” above, this means that the discount is calculated based on the number of whole litres purchased rounding down. For example, if 42.85 litres of fuel are purchased, the discount will be applied on 42 litres. Item 5 What limitations apply to the BP Rewards Unlocked Fuel Offer? (a) The BP Rewards Unlocked Fuel Offer is only available at BP Rewards Unlocked Fuel Offer Sites , and is subject to availability of the relevant Fuel products; (a) The BP Rewards Unlocked Fuel Offer will only apply to the first 120 litres of Fuel purchased by you each day (AEST time applies) and a maximum of 3 fuel transactions per week. When calculating the 120 litres, BP will aggregate all Fuel types purchased. The BP Rewards Unlocked Offer is for reasonable personal and non-commercial use. BP has discretion to suspend or terminate your access to the discount if BP reasonably believes it is not being used for these purposes.

Unless otherwise determined at the discretion of the individual BP Rewards Unlocked Fuel Offer Site, the BP Rewards Unlocked Fuel Offer cannot be used in conjunction with any other offer or discount on Fuel outside of these BP Rewards Unlocked for CommBank Yello Offer Terms and Conditions meaning that if there is any offer or discount on Fuel available, you will be provided with at least the value of the BP Rewards Unlocked Fuel Offer but will not be entitled to stack multiple Fuel offers in the same transaction. (a) Notwithstanding the foregoing, the BP Rewards Unlocked Fuel Offer may be used in conjunction with any other offer made available from time to time to BP Rewards members. BP may run bonus points promotions from time to time with different terms and conditions around eligibility, and your participation in the BPRU Offer may disentitle you from receiving bonus points as part of the bonus points promotion.

Source: https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/ADB1682.pdf

008-109 290926 (ADB1682) Page 1 of 3 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945 An easy guide to our credit card fees and charges. Standard fees and charges 29 September 2026 Card type Monthly fee Additional cardholder fee Interest free period on purchases Interest rate on purchases Interest rate on cash advances Summary Includes Interest Free, Low Rate, Low Fee, Smart and Ultimate credit cards. Payable each month, giving you access to the features and benefits of your credit card. Payable at the same time as your annual fee if you’d like to share the convenience of your card with someone else. The interest free period you’ll receive on purchases when you pay the total amount owing by the due date each month. This rate applies to purchases, if you’re not eligible for an interest free period. This rate applies to cash advances from the date of the transaction. A way to pay with no interest, a low maximum credit limit and a simple monthly fee based on your limit. CommBank Neo $15, $20, $25 or $0 per month 1 – equivalent to $180, $240 or $300 per year Free N/A 0% p.a. 0% p.a. 2 A way to pay with no interest, a low maximum credit limit for a low monthly fee. Interest-free Low Fee $10 or $0 per month 3 – equivalent to $120 per year N/A N/A 0% p.a. 0% p.a. 2 Make it easy to pay off your balance over time with a low interest rate on purchases. Low Rate $6 per month – equivalent to $72 per year Free Up to 55 days 10.99% p.a. to 15.99% p.a. 4 21.99% p.a. Save money on credit card fees. Low Fee $3 or $0 per month 5 – equivalent to $36 per year Free Up to 55 days 20.99% p.a. 21.99% p.a. Enjoy lifestyle and travel benefits designed to help you get more value. Plus, enjoy a new points experience if you’re eligible for CommBank Yello. 6 Smart $19 or $0 per month 7 – equivalent to $228 per year ($19 from 1 January 2027) Free Up to 44 days 20.99% p.a. 21.99% p.a. Ultimate $35 or $0 per month 8 – equivalent to $420 per year ($35 from 1 January 2027) Free Up to 44 days 20.99% p.a. 21.99% p.a.

008-109 290926 (ADB1682) Page 2 of 3 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945 Cards no longer sold Card type Monthly fee Additional cardholder fee Interest free period on purchases Interest rate on purchases Interest rate on cash advances CommBank Essentials $5 or $2 per month 9 – equivalent to $60 or $24 per year Free Up to 55 days 9.90% p.a. 9.90% p.a. 2 Low Rate Gold $8 per month – equivalent to $96 per year Free Up to 55 days 13.99% p.a. 21.99% p.a. Low Fee Gold $8 per month 10 – equivalent to $96 per year Free Up to 55 days 20.99% p.a. 21.99% p.a. Gold Awards $14 per month – equivalent to $168 per year Free Up to 44 days 20.99% p.a. 21.99% p.a. Platinum Awards $25 per month – equivalent to $300 per year Free Up to 44 days 20.99% p.a. 21.99% p.a. Diamond Awards $32 per month – equivalent to $384 per year Free Up to 44 days 20.99% p.a. 21.99% p.a. Other fees Fee type How much will I pay? When am I charged? What else do I need to know? Cash advance fee (does not apply to CommBank Essentials, CommBank Neo and Interest-free Low Fee cards) 2 $4.00 or 3.00% of the transaction amount – whichever is greater. Capped at a maximum of $300 (or $4.00 if your closing balance was in credit the previous business day). 11 This fee is charged for cash advances obtained: • Over the counter at CommBank branches or other Australian financial institutions. • Through CommBank or other Australian ATMs. 12 • At an overseas terminal or financial institution. It also applies to: • Funds transfers using CommBank networks. 13 • Purchases of cash equivalent items, such as gambling, lottery tickets and money transfers. 14 • You can avoid this fee by using your debit card to withdraw cash. • If you don’t wish to withdraw cash from your credit card, simply block ATM cash advances. Find out how at commbank.com.au/lockblocklimit • Cash advances may be unavailable or subject to a limit restriction. Late payment fee (does not apply to CommBank Neo and Interest-free Low Fee cards) $20 When you don’t make your minimum monthly payment, plus any overdue amount, by your statement due date. • Keep track of your statement due date via the CommBank app or NetBank. • You can set up an automatic payment via AutoPay to pay the minimum amount, a set amount or the full closing balance each month. Find out how at commbank.com.au/manage

008-109 290926 (ADB1682) Page 3 of 3 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945 Fee type How much will I pay? When am I charged? What else do I need to know? International transaction fee (does not apply to Ultimate, CommBank Neo and Interest-free Low Fee cards) 15 3.50% for Mastercard and Visa Transactions When you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars. 15 • In some cases, overseas merchants may allow you to pay in Australian dollars, e.g. when you’re shopping online or over the phone. This is still considered an international transaction because your transaction is processed overseas. • If you’re not shopping on an international website or travelling overseas you can lock international online and in-store payments. Then simply unlock them instantly whenever you need to. Find out how at commbank.com.au/lockblocklimit 3.50% for transactions in Australian dollars but with an overseas connection When you make a purchase or obtain a cash advance in Australian dollars while overseas, or while in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located overseas. 15 • In some cases, overseas merchants may allow you to pay in Australian dollars, e.g. when you’re shopping online or over the phone. This is still considered an international transaction because your transaction is processed overseas. • If you’re not shopping on an international website or travelling overseas you can lock international online and in-store payments. Then simply unlock them instantly whenever you need to. Find out how at commbank.com.au/lockblocklimit Overlimit fee (only applies to accounts opened before 1 July 2012. This fee will remain applicable any time you switch to a new credit card product) $15 When we first allow you to go over your credit limit in a statement period. • If you’d like to opt out of being able to spend more than your limit, call 13 2221 and we'll arrange it for you. • You can set a Spending Cap to cap a portion of your credit limit through NetBank or the CommBank app. Find out how at commbank.com.au/spendingcap Emergency issue/ lost/replacement card fee $20 When you need an emergency replacement card delivered to you. If you need to arrange an emergency replacement card while you’re overseas call +61 2 9999 3283 (reverse charges accepted). These rates and fees may change over time. You can visit commbank.com.au/cardfees for the most up to date rates and fees. 16 We’re here to help For more information on credit cards, visit commbank.com.au/creditcards or call 13 2221 . Things you should know: 1 For CommBank Neo cards, the monthly fee is charged at $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit and $25 per month for a $3,000 credit limit. If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee for that statement period. 2 For CommBank Essentials, CommBank Neo and Interest-free Low Fee cards, cash advances will be blocked. Exceptions apply, as we are unable to block cash advance transactions that are not sent to us for authorisation and these will attract interest from the date the transaction is made, until it is repaid. For CommBank Neo and Interest-free Low Fee, these will not incur any additional fees or interest charges. 3 For Interest-free Low Fee cards, the monthly fee is charged at $10 per month. If you don't have any processed transactions in a given statement period and your previous statement closing balance has been paid in full by the due date, you won't be charged a monthly fee for that statement period. 4 From 10 December 2024, interest rates offered on approval vary from 10.99% p.a. to 15.99% p.a. The rate offered to you (your personalised interest rate) within this range depends on different factors, including your individual credit risk score. Once your credit contract is entered into, your personalised interest rate will be reviewed periodically and may change upon review. We may also vary the range of rates available for new Low Rate credit cards at any time. We’ll notify you as outlined in the conditions of use if your personalised interest rate changes. All customers with an existing CommBank Low Rate credit card, and customers who switch from an existing CommBank credit card to a Low Rate credit card will be offered or will retain an interest rate of 13.99% p.a. This rate may be varied at any time during the term of the credit contract. 5 For Low Fee credit cards, there is no monthly fee when you spend at least $300 on your Low Fee credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $3. Spend includes all purchases and cash advances made using your Low Fee credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). 6 How you earn or redeem CommBank Yello points will be subject to the CommBank Yello Program Terms & Conditions including holding an eligible transaction account. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards, Business Gold Awards and Business Platinum credit card). 7 For Smart credit cards, there is no monthly fee if you spend at least $2,000 on your Smart credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19. Spend includes all purchases and cash advances made using your Smart credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). From 1 January 2027, the monthly fee waiver will no longer be available and the monthly fee will apply regardless of spend. 8 For Ultimate credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $35. Spend includes all purchases and cash advances made using your Ultimate credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). From 1 January 2027, the monthly fee waiver will no longer be available and the monthly fee will apply regardless of spend. 9 For CommBank Essentials credit cards, the annual fee is charged monthly at $5 per month, or $2 per month if you (i) set up automated monthly repayments (through our AutoPay) from a CommBank transaction account; and (ii) opt-in to receive statements on this account through NetBank (and to enable this, you maintain your NetBank facility and provide us with a valid email address). 10 For Low Fee Gold credit cards, there is no monthly fee when you spend at least $2,000 on your Low Fee Gold credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $8. Spend includes all purchases and cash advances made using your Low Fee Gold credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). 11 A maximum charge of $300 or a flat fee of $4.00 applies if your closing balance on previous business day was in credit. For cash advances made via NetBank transfers, CommBank App transfers, or ATMs, the fee will be $0 if your closing balance was in credit the previous business day. 12 Includes cash advances through a terminal at ASB Bank in New Zealand. For cash advances and balance enquiries made through a non-CommBank ATM in Australia, the ATM owner may charge you a fee, which will be disclosed at the time of the transaction. If you proceed with the transaction, the ATM owner’s fee will be debited to your account (in addition to any cash advance amount). 13 Includes any funds transfers through NetBank, CommBank app, by calling 13 2221 and Australia Post. 14 Applies to transactions for items we consider equivalent to cash, such as gambling, lottery tickets, money transfers or travellers cheques, including transactions which merchants tell us are for such items. 15 For cash advances, the cash advance fee will also apply (excluding CommBank Essentials, CommBank Neo and Interest-free Low Fee cards). 16 Annual fees charged in advance and monthly fees are non-refundable including if your card is switched or closed before that time period expires. If you switch credit card types, your new fee only becomes due and payable, once the time period covered by your previously paid fee expires. Exceptions may apply. • In some cases, overseas merchants may allow you to pay in Australian dollars, e.g. when you’re shopping online or over the phone. This is still considered an international transaction because your transaction is processed overseas. • If you’re not shopping on an international website or travelling overseas you can lock international online and in-store payments. Then simply unlock them instantly whenever you need to. Find out how at commbank.com.au/lockblocklimit

Source: https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf

Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945 Key facts about CommBank’s credit cards Correct as at 29 September 2026 This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009 Description of CommBank credit card fees and charges Product name CommBank Neo credit card Low Rate credit card Low Fee credit card Smart credit card Ultimate credit card Minimum credit limit $1,000 (maximum credit limit is $3,000) $500 $500 $2,000 $6,000 Minimum repayments on all credit cards If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of: • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid); • 2% of your closing balance rounded down to the nearest dollar; or • $25. If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of: • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid); • 2% of your closing balance rounded down to the nearest dollar; or • $25. If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of: • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid); • 2% of your closing balance rounded down to the nearest dollar; or • $25. If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of: • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid); • 2% of your closing balance rounded down to the nearest dollar; or • $25. If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of: • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid); • 2% of your closing balance rounded down to the nearest dollar; or • $25. Interest on purchases 0% p.a. 10.99% p.a. to 15.99% p.a. 1 20.99% p.a. 20.99% p.a. 20.99% p.a. Interest-free period N/A Up to 55 days on purchases Up to 55 days on purchases Up to 44 days on purchases Up to 44 days on purchases Interest on cash advances 0% p.a. 2 21.99% p.a. 21.99% p.a. 21.99% p.a. 21.99% p.a. Monthly fee 3 $15, $20, $25 or $0 per month 4 $6 per month $3 or $0 per month 5 $19 or $0 per month ($19 from 1 January 2027) 6 $35 or $0 per month ($35 from 1 January 2027) 7 Late payment fee $0 $20 $20 $20 $20 Note: There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from commbank.com.au/creditcardfees For more information on choosing and using credit cards visit the ASIC consumer website at moneysmart.gov.au The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting commbank.com.au/keyfacts 1 From 10 December 2024, interest rates offered on approval vary from 10.99% p.a. to 15.99% p.a. The rate offered to you (your personalised interest rate) within this range depends on different factors, including your individual credit risk score. Once your credit contract is entered into, your personalised interest rate will be reviewed periodically and may change upon review. We may also vary the range of rates available for new Low Rate credit cards at any time. We’ll notify you as outlined in the conditions of use if your personalised interest rate changes. All customers with an existing CommBank Low Rate credit card, and customers who switch from an existing CommBank credit card to a Low Rate credit card will be offered or will retain an interest rate of 13.99% p.a. This rate may be varied at any time during the term of the credit contract. 2 For CommBank Neo cards, cash advances will be blocked. Exceptions apply, as we are unable to block cash advance transactions that are not sent to us for authorisation and these will attract interest from the date the transaction is made, until it is repaid. These will not incur any additional fees or interest charges. 3 Monthly fees are non-refundable including if your card is switched or closed before that time period expires. If you switch credit card types, your new fee only becomes due and payable, once the time period covered by your previously paid fee expires. Exceptions may apply. 4 For CommBank Neo cards, the monthly fee is charged at $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit and $25 per month for a $3,000 credit limit. If you don’t have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won’t be charged a monthly fee for that statement period. 5 For Low Fee credit cards, there is no monthly fee when you spend at least $300 on your Low Fee credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $3. Spend includes all purchases and cash advances made using your Low Fee credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). 6 For Smart credit cards, there is no monthly fee if you spend at least $2,000 on your Smart credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19. Spend includes all purchases and cash advances made using your Smart credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). From 1 January 2027, the monthly fee waiver will no longer be available and the monthly fee will apply regardless of spend. 7 For Ultimate credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $35. Spend includes all purchases and cash advances made using your Ultimate credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). From 1 January 2027, the monthly fee waiver will no longer be available and the monthly fee will apply regardless of spend. 005-049 290926 Page 1 of 1 If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of: • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid); • 2% of your closing balance rounded down to the nearest dollar; or • $25

Source: https://www.commbank.com.au/credit-cards/dineindeals.html

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Save up to 50% at thousands of restaurants, cafes & bars across Australia
Discover new restaurants to try near you
Search ‘Dine In Deals’ in the CommBank app to save on your next occasion
CommBank Yello Offer
What is Dine In Deals?
Dining offers
FAQs
Support

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Already a customer and have the CommBank app?

For iOS users on a mobile device, click 'Visit Dine In Deals'. Android users should open the CommBank app before clicking the link.

Visit Dine In Deals

New customer or don’t have the CommBank app?

Click 'Get Started' to learn how to download the CommBank app.

Get Started

Earn up to 5 CommBank Yello points per $1 spent on eligible purchases ¹

Not a CommBank Yello customer? Learn more about CommBank Yello

Earn CommBank Yello points on eligible spend through Dine In Deals at the following rates:

CommBank Yello: 1 Yello point per $1 spent
CommBank Yello Plus: 2 Yello points per $1 spent
CommBank Yello Gold: 3 Yello points per $1 spent
CommBank Yello Diamond: 5 Yello points per $1 spent

Points will be paid within 31 days of your Dine In Deals transaction. Occassionally it may take longer.

Eligible Smart and Ultimate credit card holders will receive up to $120 dining credit each year (earned as $10 per month) to use on Dine In Deals.2

T&Cs apply.

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Dine In Deals – Provided by EatClub

We’ve partnered with EatClub, Australia's leading dining offers platform, to give CommBank customers more value when dining out. Access dine-in offers and discover restaurants, cafés and bars across Australia – all through the CommBank app.

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Offers with real value

Unlock dine-in offers at thousands of participating restaurants, cafés and bars across Australia – helping you save on your next night out.

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Easy savings, built in

Enjoy automatic savings when you pay at checkout with your Digital Dining Card – no codes or extra steps needed.

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Discover dining near you

Browse nearby venues and redeem restaurant offers up to 7 days ahead of your visit.3

How it works

Open the CommBank app and search ‘Dine In Deals’.
Browse and redeem a dine-in offer.
Add your Digital Dining Card to your digital wallet to enable payment at checkout.
Pay with your Digital Dining Card as you normally would at your venue – your discount will be applied automatically!

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Save up to 50% off the total bill at restaurants and bars across Australia4

The offers shown below are illustrative examples only and may not reflect currently available promotions. For complete and up-to-date information on all venue offers, please visit Dine In Deals via the CommBank App.

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20% off at Apollo, Sydney

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35% off at Al Dente Enoteca, Melbourne

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20% off at Alfie’s, Sydney

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30% off at Otto Ristorante, Brisbane

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25% off at Gradi at Crown Melbourne

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30% off at Fellini’s Trattoria, Brisbane

Frequently Asked Questions

How do I know if I am eligible to access Dine In Deals?

If you're 18 years or older, are the primary cardholder, and hold an active CommBank retail or business debit card, credit card, StepPay card, or Travel Money Card, you can access and redeem eligible dine-in offers through Dine In Deals.

What’s a Digital Dining Card and how does it work?

A Digital Dining Card is a prepaid digital Mastercard that makes it easy to pay at Dine In Deals venues after you redeem an exclusive dine-in offer.

Once set up, the card is added to your Apple Wallet or Google Wallet. When it is time to pay, simply ask for the full bill and tap your Digital Dining Card on the venue’s eftpos machine. Your redeemed offer is automatically applied, so there is no need to mention it to staff.

The venue receives the full bill amount, your linked card is charged the total minus your redeemed offer and Dine In Deals covers the difference.

Because the Digital Dining Card is prepaid, it does not affect your credit score and no additional personal details are required to create it.

How do I get my Digital Dining Card?

Our Digital Dining Card requires a one-time setup and only takes a few minutes to complete. After redeeming a dine-in offer on Dine In Deals, simply follow the prompts to link your preferred payment method, select your card design then add it to your Google or Apple wallet.

What’s a dine-in offer and why don’t I need to alert staff that I’m from Dine In Deals?

Your Digital Dining Card is so discreet that you don’t need to let the restaurant know you’re dining-in with a Dine In Deals offer, all you’ll need to do on arrival is take a seat at the next available table.

Restaurants use Dine In Deals to fill their tables during their quiet times of the day. We’ll let the venue know your estimated arrival time although this doesn’t mean a table will be reserved for you.

Do I need to show the offer to restaurant staff?

No. The discount is automatically applied when the customer pays using their Digital Dining Card.

Why didn’t my discount apply?

This can happen if:

The offer wasn’t redeemed before dining
A booking was made where walk‑in only applied
Payment wasn’t made using the Digital Dining Card

Can I pay with my EatClub Pay card instead of my Digital Dining Card?

No, you cannot use an EatClub Pay card or any other payment method to redeem a Dine In Deals offer. You’ll need to pay using your Dine In Deals Digital Dining Card, or the offer won’t be applied to your transaction.

Will I pay any extra fees when I use Dine In Deals?

EatClub charges a small service fee of 2.25% of the total Transaction value for each Transaction. This service fee is the EatClub Dine In Deals Fee. This helps us keep the service running and continue bringing you great dining offers.

Can I use my Digital Dining Card on my other smart devices?

Your Digital Dining Card can be used on any NFC compatible device. After you’ve completed the one-time setup process, go to your payment details and follow the prompts under “Devices connected” to add your Digital Dining Card to your alternative devices. Once you’ve completed this step, check your digital wallet on the associated device and you should find your Digital Dining Card ready to use.

How can I earn and redeem dining credits?

Eligible Smart and Ultimate credit cardholders will receive up to $120 dining credit each year (earned as $10 per month) to use on Dine In Deals.2 Dining credits can be redeemed upon claiming an offer in Dine In Deals.

Do dining credits expire?

Yes, monthly dining credits for eligible Smart and Ultimate cardholders expire 12 months after their issue date.

What if I no longer have an eligible CommBank card?

You’ll lose access to Dine In Deals and forfeit any dining credits.

Customer support

- Access Dine In Deals by searching ‘Dine In Deals’ within the CommBank app
- Once you're in Dine In Deals, navigate to the 'Settings' tab and select 'Get help'
- Or if you're having issues when trying to make a payment, select ‘Contact support’ on the payment method screen
- Available 8am to midnight (Sydney time), 7 days a week.

Things you should know

1 Offer ends 30 June 2028. Your CommBank Yello points earn rate is based on your CommBank Yello tier at the time you redeem an offer at a participating venue via Dine In Deals. Points earned per $1 spent on the amount paid after any discount, promo code or dining credit has been redeemed. For example, if your bill is $100 and you receive a 25% discount, you will earn CommBank Yello points on the $75 paid at the point of sale (plus the applicable service fee).

In order to redeem CommBank Yello points, you must use your digital Dine in Deals card via your mobile wallet. How you earn and redeem points is subject to the CommBank Yello Terms and Conditions available at our website by searching ‘CommBank Yello.’ For more information about CommBank Yello, visit commbank.com.au/commbankyello.

2 While you have an open and active Ultimate or Smart credit card, dining credits will be automatically credited to your Dine In Deals account. Please allow up to 7 business days for a dining credit to appear in your account. In some circumstances, it may take longer. Dining credits are not transferable or exchangeable for cash. Unused dining credits will accumulate in your Dine In Deals account and expire 12 months after the date they are credited to your account.

You will receive a dining credit only where the applicable credit card fee has been charged for the relevant period. However, you will still receive the dining credit if the fee is waived because you meet the minimum spend requirement (for the Ultimate credit card: $4,000 per statement period; for the Smart credit card: $2,000 per statement period). You will not receive a dining credit if the fee is waived or not charged for any other reason.

3 Access to redeem offers up to 7 days in advance is made available once you have redeemed and paid for your first venue offer in Dine In Deals.

4 The offers shown are illustrative examples only and may not reflect currently available promotions. For complete and up-to-date information on all venue offers, please visit the Dine In Deals site.

Dine In Deals is a platform and service provided by EatClub Pty Ltd ABN 67 610 093 297, accessible to customers of CommBank via the Commbank App. Dine In Deals offers dining deals at participating restaurants and venues.

EatClub is not part of the CBA Group. CommBank does not endorse EatClub, any participating venue, or the services offered through the Dine In Deals platform, and is not responsible for, nor does it warrant or guarantee, the accuracy or completeness of the platform content or the performance of EatClub or its services.

Offers are subject to reasonable personal use only. EatClub reserves the right to revoke access to offers, reverse discounts, or cancel bookings where misuse and fraudulent activity is reasonably suspected.

For full terms and conditions governing the use of Dine In Deals, visit eatclub.com.au/terms/dineindeals

CommBank will receive a program fee generated from applicable transactions processed via the Dine In Deals platform.

Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit license 234945.

QUICK LINKS

ABOUT US

IMPORTANT INFORMATION

Commonwealth Bank [Image]

Source: https://www.commbank.com.au/travel/travel-booking.html

Skip to main content Skip to log on Skip to search Accessibility at CommBank

Travel / Travel Booking

Last updated: 1 October 2026

Get rewarded with Travel Booking

Exclusive flight, hotel and car offers for eligible CommBank customers1
Earn up to 20 CommBank Yello points per $1 spent until 30/09/27*
Use CommBank Yello points to pay for all or part of your trip†
What is Travel Booking?
Earn & Redeem with CommBank Yello
Cards for travel
FAQs
Support

Book now

Travel Booking – provided by Hopper

Travel Booking is a travel booking platform that lets CommBank customers compare, book and manage flights, hotels & car rentals worldwide, all in one place through the CommBank app, with exclusive travel offers and AI-powered booking features1 designed to help customers save.

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Book with confidence and save

Use Travel Booking’s’ AI-powered Price Prediction Tool1 to track flight prices and predict when it may be the right time to book.

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Get more with every booking

If the price of a recommended flight drops within 10 days, you could get up to $50 back in travel credits. Found a lower price? Let us know within 24 hours – we’ll credit you the difference for your next trip1.

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Earn & Redeem points

Earn up to 20 CommBank Yello points per $1 spent until 30/09/27* and redeem points on every booking. Not enough points? Choose a mix of points and pay the rest with your eligible CommBank card at checkout.†

Earn up to 20 CommBank Yello points per $1 spent*

Until 30 September 2027. Not a CommBank Yello customer? Learn about CommBank Yello

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20 CommBank Yello points per $1 spent on Hotels*

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20 CommBank Yello points per $1 spent on Cars*

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10 CommBank Yello points per $1 spent on Flights*

Redeem Commbank Yello points for your next trip†

Redeem points on every booking. Not enough points? Choose a mix of points and pay the rest with your eligible CommBank card at checkout.†

Examples below are illustrative only. Advertised price based on historical customer bookings made through the Travel Booking platform between 21/03/2026 and 21/09/2026. Hotel advertised price calculated from the average price per night made at the specified hotel. Prices, availability and redemption values are subject to change and may not represent peak periods (eg. Weekends, Public Holidays, School Holidays). CommBank Yello T&Cs, eligibility and points requirements apply.

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86,500 CommBank Yello points

Sydney to Queenstown
One-way Economy Flight

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45,000 CommBank Yello points

Oakwood Premier Melbourne
1 night stay

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25,000 CommBank Yello points

$150 off your next booking

Get more from your travels with CommBank cards

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Ultimate Credit Card

For travel benefits and value

Enjoy travel benefits including

$25 monthly travel credit to use on Travel Booking. Travel credits available when card fee is charged or waived by minimum spend requirement.2
Earn up to 21.5 points per $1 spent, for Hotel and Car bookings through Travel Booking until 30/09/27, based on your CommBank Yello tier and requires eligible transaction account3
0% international transaction fees4
2 complimentary airport lounge passes each calendar year to over 1,300 airport lounges worldwide5

Find out more

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Smart Credit Card

For everyday spending with travel benefits

Enjoy travel benefits including

$10 monthly travel credit to use on Travel Booking. Travel credits available when card fee is charged or waived by minimum spend requirement.2
Earn up to 21.5 points per $1 spent, for Hotel and Car bookings through Travel Booking until 30/09/27, based on your CommBank Yello tier and requires eligible transaction account3
Complimentary international travel insurance when you spend at least $500 in a single transaction on prepaid travel using your card and activate before you travel6

Find out more

Frequently Asked Questions

What is Travel Booking?

Travel Booking is a platform accessible via the Commbank website and the CommBank app for eligible CommBank customers that allows them to book flights, hotels and car rentals to destinations around the world. Plus, there is a range of unique travel features2 to help better plan for your trip and save.

How do I know if I am eligible to access Travel Booking?

If you are over the age of 18 and have an active retail or business debit card, credit card, StepPay card, or a Travel Money Card, you can book flights, hotels and car rentals using Travel Booking.

How can I access Travel Booking via the CommBank app?

You'll need the latest version of the CommBank app version 5.11 or later to access Travel Booking. Once you have logged in, search for ‘Travel Booking’ in the search bar.

How can I redeem travel credits?

When you're ready to redeem your travel credits, just select the travel credits option at checkout and enter the amount you'd like to apply. Your credits will be deducted from the total cost of your booking, helping you save instantly on your next trip.

How do I know I’m getting a competitive price on Travel Booking?

Hopper makes every effort to offer customers the best available price through its unique features and benefits. Refer to the What is Travel Booking? section above for more information.

Does Travel Booking have access to as many flights, hotels and car rentals as other travel booking sites?

Hopper partners with a wide range of airlines, hotels and car rental brands, so you can compare great deals.

Can I still earn rewards from hotel loyalty programs or airline frequent flyer programs if I book a trip through Travel Booking?

This remains subject to the terms and conditions imposed by the respective airline or hotel of your reservation.

What if I no longer have an eligible CommBank card?

You’ll lose access to Travel Booking and forfeit your travel credits. You will need to call Travel Booking Customer Support with your booking number to receive support for your existing bookings.

24/7 live agent and Web Chat Support

- Access the Travel Booking website directly or by searching ‘Travel Booking’ within the CommBank App
- Once you’re in Travel Booking, navigate to the menu and select ‘Customer Support’
- Or call us on (+61) 1300 851 809

Things you should know

CommBank Yello points for booking through Travel Booking Terms and Conditions

If you’re a CommBank Yello customer, you could earn CommBank Yello points at the following standard earn rates:

5 CommBank Yello points per $1 spent on Hotel or Car bookings through Travel Booking
2 CommBank Yello points per $1 spent on Flight bookings through Travel Booking

Points earned are per $1 spent on the amount paid after any points or Travel Credits have been redeemed.

CommBank may, from time to time, offer higher CommBank Yello points earn rates for eligible spending on Travel Booking than the earn rates described above. We will communicate the higher earn rates, the period for which they apply and any additional conditions on our website or through other digital channels, including via the CommBank App. The higher earn rates will apply instead of the relevant earn rates for the specified period.

CommBank Yello points are typically paid within 31 days of your booking. Occasionally, this may take longer. CommBank Yello points will appear as “Travel Booking - Hopper” in View Activity.

If your booking is cancelled, refunded or modified after points are paid, we’ll readjust your points balance.

CommBank may vary or withdraw this earn rate offer:

acting fairly and reasonably;
having regard to its legitimate business interests; and
providing reasonable prior notice for unfavourable or material changes.

We may also vary or withdraw a higher earn rate offer, acting fairly and reasonably.

These Offer terms and conditions apply in addition to the CommBank Yello Terms and Conditions. If there is any inconsistency, the CommBank Yello Terms and Conditions prevail in relation to Program eligibility and Program rules, and these offer terms prevail in relation to this offer. For further information on program eligibility, refer to the CommBank Yello Terms and Conditions.

*From 1 October 2026 to 30 September 2027, CommBank Yello customers could earn 20 CommBank Yello points per $1 spent on Hotel or Car bookings and 10 CommBank Yello points per $1 spent on Flight bookings through Travel Booking. These promotional earn rates apply instead of the standard earn rates during this period. We may vary or withdraw this offer, acting fairly and reasonably. See Travel Booking Terms and Conditions for other conditions.

†CommBank Yello customers can choose to redeem all or part of their CommBank Yello points for their booking, and with other accepted payment methods under the Travel Booking Terms and Conditions (such as Travel Credits).

You must redeem at least $1 worth of points per booking.

How you redeem points is subject to the CommBank Yello Terms and Conditions and Travel Booking Terms and Conditions.

General Terms & Conditions

1For more information, read the Travel Booking Terms and Conditions.

2While you have an open and active Ultimate or Smart credit card, Travel Credits will be applied to your Travel Booking Wallet within 7 business days of the grant or issuance, but in some cases may take longer, and have a 1-year expiry from the date granted, issued, and/or credited. These travel credits are not transferable or exchangeable for cash. Expiry dates can be viewed in your Wallet & Offers page of the Travel Booking website.

Travel credits are only issued for a card account statement period where the applicable card fee has been charged for that statement period. Where the fee is waived or not charged, no travel credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Smart: $2,000 per statement period; Ultimate: $4,000 per statement period). Travel Credit benefit is subject to change, and removal without notice and at our discretion.

In the event that you no longer hold an open and active Eligible CommBank Card, you will forfeit all accumulated travel credits.

For full terms and conditions including the features provided by Hopper, and for any capitalised terms used here related to Travel Booking, visit Travel Booking Terms & Conditions.

3How you earn or redeem CommBank Yello points will be subject to the CommBank Yello Program Terms & Conditions including holding an eligible transaction account. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards, Business Gold Awards and Business Platinum credit card).

4For international cash advances, the cash advance fee will apply.

5To gain access to participating airport lounges, you must register your Ultimate credit card on the Mastercard Travel Pass app or visit mastercardtravelpass.dragonpass.com, to generate a membership QR code and present this along with your boarding pass for validation. You will have two complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs at Mastercard Travel Pass.

6Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You may need to upgrade your travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances.

See the Card Insurances Combined Product Disclosure Statement & Financial Service Guide and Card Travel Insurance TMD (PDF) for details.

For purchasable Travel Insurance, see Travel Insurance - Combined Product Disclosure Statement and Financial Services Guide and Travel Insurance TMD (PDF).

Commonwealth Bank and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Commonwealth Bank or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Commonwealth Bank) receive a commission which is a percentage of your premium.

About Travel Booking

Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking Terms and Conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers.

All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.

Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.

Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.

For more information, read the full Travel Booking Terms and Conditions.

CommBank will receive a portion of the revenue generated from the Travel Booking platform.

Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945.

QUICK LINKS

ABOUT US

IMPORTANT INFORMATION

Commonwealth Bank [Image]

Source: https://www.commbank.com.au/travel/travel-booking.html?mch=ps&mcpid=24078374290&mpb=7118909123&gclsrc=aw.ds&gad_source=1&gad_campaignid=24078374290&gbraid=0AAAAA97nqar3NzxtDD0meti6Jlvc3ix8t&gclid=EAIaIQobChMIv5ay3dmXlwMVTFsPAh24WQl5EAAYASAAEgJfBvD_BwE

Skip to main content Skip to log on Skip to search Accessibility at CommBank

Travel / Travel Booking

Last updated: 1 October 2026

Get rewarded with Travel Booking

Exclusive flight, hotel and car offers for eligible CommBank customers1
Earn up to 20 CommBank Yello points per $1 spent until 30/09/27*
Use CommBank Yello points to pay for all or part of your trip†
What is Travel Booking?
Earn & Redeem with CommBank Yello
Cards for travel
FAQs
Support

Book now

Travel Booking – provided by Hopper

[Image: ]

Book with confidence and save

Use Travel Booking’s’ AI-powered Price Prediction Tool1 to track flight prices and predict when it may be the right time to book.

[Image: ]

Get more with every booking

[Image: ]

Earn & Redeem points

Earn up to 20 CommBank Yello points per $1 spent*

Until 30 September 2027. Not a CommBank Yello customer? Learn about CommBank Yello

[Image: ]

20 CommBank Yello points per $1 spent on Hotels*

[Image: ]

20 CommBank Yello points per $1 spent on Cars*

[Image: ]

10 CommBank Yello points per $1 spent on Flights*

Redeem Commbank Yello points for your next trip†

Redeem points on every booking. Not enough points? Choose a mix of points and pay the rest with your eligible CommBank card at checkout.†

[Image: ]

86,500 CommBank Yello points

Sydney to Queenstown
One-way Economy Flight

[Image: ]

45,000 CommBank Yello points

Oakwood Premier Melbourne
1 night stay

[Image: ]

25,000 CommBank Yello points

$150 off your next booking

Get more from your travels with CommBank cards

[Image: ]

Ultimate Credit Card

For travel benefits and value

Enjoy travel benefits including

$25 monthly travel credit to use on Travel Booking. Travel credits available when card fee is charged or waived by minimum spend requirement.2
Earn up to 21.5 points per $1 spent, for Hotel and Car bookings through Travel Booking until 30/09/27, based on your CommBank Yello tier and requires eligible transaction account3
0% international transaction fees4
2 complimentary airport lounge passes each calendar year to over 1,300 airport lounges worldwide5

Find out more

[Image: ]

Smart Credit Card

For everyday spending with travel benefits

Enjoy travel benefits including

$10 monthly travel credit to use on Travel Booking. Travel credits available when card fee is charged or waived by minimum spend requirement.2
Earn up to 21.5 points per $1 spent, for Hotel and Car bookings through Travel Booking until 30/09/27, based on your CommBank Yello tier and requires eligible transaction account3
Complimentary international travel insurance when you spend at least $500 in a single transaction on prepaid travel using your card and activate before you travel6

Find out more

Frequently Asked Questions

What is Travel Booking?

How do I know if I am eligible to access Travel Booking?

If you are over the age of 18 and have an active retail or business debit card, credit card, StepPay card, or a Travel Money Card, you can book flights, hotels and car rentals using Travel Booking.

How can I access Travel Booking via the CommBank app?

You'll need the latest version of the CommBank app version 5.11 or later to access Travel Booking. Once you have logged in, search for ‘Travel Booking’ in the search bar.

How can I redeem travel credits?

How do I know I’m getting a competitive price on Travel Booking?

Hopper makes every effort to offer customers the best available price through its unique features and benefits. Refer to the What is Travel Booking? section above for more information.

Does Travel Booking have access to as many flights, hotels and car rentals as other travel booking sites?

Hopper partners with a wide range of airlines, hotels and car rental brands, so you can compare great deals.

Can I still earn rewards from hotel loyalty programs or airline frequent flyer programs if I book a trip through Travel Booking?

This remains subject to the terms and conditions imposed by the respective airline or hotel of your reservation.

What if I no longer have an eligible CommBank card?

You’ll lose access to Travel Booking and forfeit your travel credits. You will need to call Travel Booking Customer Support with your booking number to receive support for your existing bookings.

24/7 live agent and Web Chat Support

- Access the Travel Booking website directly or by searching ‘Travel Booking’ within the CommBank App
- Once you’re in Travel Booking, navigate to the menu and select ‘Customer Support’
- Or call us on (+61) 1300 851 809

Things you should know

CommBank Yello points for booking through Travel Booking Terms and Conditions

If you’re a CommBank Yello customer, you could earn CommBank Yello points at the following standard earn rates:

5 CommBank Yello points per $1 spent on Hotel or Car bookings through Travel Booking
2 CommBank Yello points per $1 spent on Flight bookings through Travel Booking

Points earned are per $1 spent on the amount paid after any points or Travel Credits have been redeemed.

CommBank Yello points are typically paid within 31 days of your booking. Occasionally, this may take longer. CommBank Yello points will appear as “Travel Booking - Hopper” in View Activity.

If your booking is cancelled, refunded or modified after points are paid, we’ll readjust your points balance.

CommBank may vary or withdraw this earn rate offer:

acting fairly and reasonably;
having regard to its legitimate business interests; and
providing reasonable prior notice for unfavourable or material changes.

We may also vary or withdraw a higher earn rate offer, acting fairly and reasonably.

These Offer terms and conditions apply in addition to the CommBank Yello Terms and Conditions. If there is any inconsistency, the CommBank Yello Terms and Conditions prevail in relation to Program eligibility and Program rules, and these offer terms prevail in relation to this offer. For further information on program eligibility, refer to the CommBank Yello Terms and Conditions.

You must redeem at least $1 worth of points per booking.

How you redeem points is subject to the CommBank Yello Terms and Conditions and Travel Booking Terms and Conditions.

General Terms & Conditions

1For more information, read the Travel Booking Terms and Conditions.

Travel credits are only issued for a card account statement period where the applicable card fee has been charged for that statement period. Where the fee is waived or not charged, no travel credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Smart: $2,000 per statement period; Ultimate: $4,000 per statement period). Travel Credit benefit is subject to change, and removal without notice and at our discretion.

In the event that you no longer hold an open and active Eligible CommBank Card, you will forfeit all accumulated travel credits.

For full terms and conditions including the features provided by Hopper, and for any capitalised terms used here related to Travel Booking, visit Travel Booking Terms & Conditions.

4For international cash advances, the cash advance fee will apply.

See the Card Insurances Combined Product Disclosure Statement & Financial Service Guide and Card Travel Insurance TMD (PDF) for details.

For purchasable Travel Insurance, see Travel Insurance - Combined Product Disclosure Statement and Financial Services Guide and Travel Insurance TMD (PDF).

About Travel Booking

Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking Terms and Conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers.

All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.

Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.

Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.

For more information, read the full Travel Booking Terms and Conditions.

CommBank will receive a portion of the revenue generated from the Travel Booking platform.

Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945.

QUICK LINKS

ABOUT US

IMPORTANT INFORMATION

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Source: https://www.xcover.com/en/pds/D38ECcba-nac-main

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[Image: Commonwealth Bank of Australia logo]Commonwealth Bank of Australia

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Card Insurances

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Card Insurances

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Contents

How to activate your protection
Summary of your protection
- What's covered?
- What’s not covered?
- Upgrades
- Table of benefits
- How claims work
- Cancellation and refunds
Product Disclosure Statement (PDS)
- About your cover
- Pregnancy
- Trip cancellation
- Emergency medical expenses and assistance
- Pre-existing medical conditions
- Exclusions relating to the health of others
- Personal liability
- Resumption of trip
- Accidental death
- Loss of income
- Travel documents, transaction cards, travellers cheques and cash
- Personal property
- Baggage delay expenses
- Travel delay
- Alternative transport expenses
- Rental vehicle insurance excess
- Hijack and kidnap
- Upgrades
- Free extension of your cover
- Other protection
- General conditions
- General exclusions
- Misrepresentation, non-disclosure or fraudulent claims
- Making a claim
- Cancellation and refunds
- Definitions
Important information
- Policy issuer
- About the Group Policy
- Target Market Determination
- Dual cover
- Geographical and trip limits
- Claims currency
- Sanctions
- Governing law and jurisdiction
- Third-party rights
- Data protection
- Complaints
- How to contact us
- Cancelling Upgrades to your Overseas Travel Policy
Financial Services Guide
- What financial services are provided?
- Remuneration
- Limits of cover
- Cost of this policy
- Compliance statement
- Complaints
- Who is responsible for this document?

You must be an Australian resident and hold an eligible Commonwealth Bank card to access this protection. To be eligible, you must meet the spend and activation requirements.

How to activate your protection

Step 1 — Meet the spend requirement

Use your eligible Commonwealth Bank card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia.

For example, the cost of your return overseas travel ticket, prepaid accommodation, cruise or tour.

You’ll also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Yello points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper.

For a domestic cruise not forming part of an international trip, select 'Pacific' as your destination when activating.

Step 2 — Activate your protection

Activate on NetBank or the CommBank app. You'll receive a certificate confirming your protection period and policy number.

If you spent at least $500 on your prepaid travel costs before leaving Australia but activate after you’ve left, there will be a 3-day no-cover period before benefits apply.

Crack Screen Cover is included for Smart Awards and Ultimate Awards cardholders only. You don’t have to activate this protection.

Step 3 — Upgrade your protection (if needed)

Apply for Upgrades if you have pre-existing medical conditions not automatically accepted under this protection, are aged 80 or over, want protection for adventure activities, motorcycling, skiing or cruising.

A premium applies. See the ‘Upgrades’ section for details.

Overseas Travel Protection and Other Protection are available to eligible cardholders who complete the activation process on NetBank or the CommBank app.

Summary of your protection

WE COVER UNEXPECTED EVENTS BEFORE AND DURING YOUR TRIP.

Overseas Travel Protection protects you for events such as delayed or missed departures, cancelling or cutting short your trip, and accidentally damaged or stolen baggage. The medical protection covers you if you become ill or suffer an injury while travelling overseas.

Your trip cancellation protection begins as soon as you activate your protection. All other benefits start on your trip departure date and end when you return to Australia.

The maximum trip duration for your protection depends on your card type:

For Gold, Platinum and Qantas Business Rewards cardholders - up to 3 months.
For Diamond, Smart and Ultimate cardholders - up to 12 months.

Your certificate will confirm the maximum duration that applies to your card.

Protection for normal pregnancy isn’t included, but complications of pregnancy or childbirth are covered if you aren’t more than 24 weeks pregnant at the start of your trip, and a medical practitioner or midwife has confirmed you’re fit to travel.

Some pre-existing medical conditions are automatically included, but others must meet our criteria. Visit the ‘Pre-existing medical conditions’ section of the Product Disclosure Statement (PDS) for more information.

The following is a high-level summary of your protection.

What's covered?

This is a summary only and highlights some of the protections available to you. Review your Product Disclosure Statement (PDS) below for full terms and conditions.

"Trip Cancellation Protection" may cover you if…

You or a close relative becomes sick, injured or dies. This includes pre-existing medical conditions (where automatically accepted or Upgraded).
Your home is seriously damaged by fire, burglary, storm or flood within seven days of departure.
You're summoned for jury service, armed forces recall or emergency services recall.
Your departure flight is cancelled or delayed by more than 12 hours due to strike, adverse weather or mechanical breakdown.
You have to cancel your trip due to a natural catastrophe.

"Medical Protection" may cover you if…

You need urgent or unplanned treatment for an illness or injury while travelling overseas.
You need emergency dental treatment for sudden and acute pain.
You need to be medically evacuated or flown home.

"Baggage Protection" may cover you if…

Your personal baggage or business items are stolen, damaged or destroyed while you're travelling.
Your checked baggage is delayed by more than 12 hours and you need to buy essential items.

What’s not covered?

This is a summary only and lists some exclusions from the protection. Review your Product Disclosure Statement (PDS) below for full terms and conditions.

If the event that causes your claim happens before you activated your protection, or was foreseeable at the time you activated.
If you're travelling against the advice of a medical practitioner or government authority.
If you don't provide documents requested by XCover during the claims process.
For any pre-existing medical condition that isn’t automatically accepted or covered under an Upgrade.

Upgrades

Upgrades only apply if you have purchased them alongside your Overseas Travel Protection. You can’t apply for some Upgrades once your trip has started.

Optional Upgrades are available for Snow Extras, Cruise Extras, Adventure Plus, Motorcycle Plus, people aged 80 or over* and Protection for Existing Medical Conditions.

You can purchase these optional Upgrades to enhance your Overseas Travel Protection. A premium applies for each upgrade.

Visit the ‘Upgrades’ section of the Product Disclosure Statement (PDS) for more information.

*Important: If you’re aged 80 or over, these benefits will only apply if you’ve completed a medical assessment, we have agreed to cover you, and you’ve paid the applicable premium.

Table of benefits

Your protection includes the following benefits and limits…

Platinum Awards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$75 per 24 hours (up to $7,500)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Cancellation costs	$2,500 for cardholder and $5,000 for cardholder + family	$500
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$25,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0

Diamond Awards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$100 per 24 hours (up to $10,000)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Cancellation costs	$2,500 for cardholder and $5,000 for cardholder + family	$500
Baggage and personal goods	$15,000 for cardholder and $30,000 for cardholder + family	$500
Baggage delay expenses	$500 for cardholder and $1,000 for cardholder + family	$0
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$50,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0

Smart Awards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$100 per 24 hours (up to $10,000)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Cancellation costs	$2,500 for cardholder and $5,000 for cardholder + family	$500
Baggage and personal goods	$15,000 for cardholder and $30,000 for cardholder + family	$500
Baggage delay expenses	$500 for cardholder and $1,000 for cardholder + family	$0
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$50,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0
Other protection	--
Crack screen cover	$500	10%

Ultimate Awards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$100 per 24 hours (up to $10,000)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Cancellation costs	Unlimited	$500
Baggage and personal goods	$15,000 for cardholder and $30,000 for cardholder + family	$500
Baggage delay expenses	$500 for cardholder and $1,000 for cardholder + family	$0
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$50,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0
Other protection	--
Crack screen cover	$1,000	10%

Gold Awards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$75 per 24 hours (up to $7,500)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$25,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0

Business Gold Awards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$75 per 24 hours (up to $7,500)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$25,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0
Other protection	--
Transit accident	--
Transit accident	$2,500,000	$0
Loss of life	$250,000	$0
Loss of both hands or both feet	$250,000	$0
Loss of one hand and one foot	$250,000	$0
Loss of entire sight of both eyes	$250,000	$0
Loss of entire sight of one eye and one hand and one foot	$250,000	$0
Loss of one hand or one foot	$125,000	$0
Loss of entire sight of one eye	$125,000	$0
Unauthorised transaction	--
Unauthorised transaction	$20,000 (per cardholder)/$150,000 (per accountholder)	$0

Business Platinum Awards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$75 per 24 hours (up to $7,500)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Cancellation costs	$2,500 for cardholder and $5,000 for cardholder + family	$500
Baggage and personal goods	$15,000 for cardholder and $30,000 for cardholder + family	$500
Baggage delay expenses	$500 for cardholder and $1,000 for cardholder + family	$0
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$25,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0
Other protection	--
Transit accident	--
Transit accident	$2,500,000	$0
Loss of life	$250,000	$0
Loss of both hands or both feet	$250,000	$0
Loss of one hand and one foot	$250,000	$0
Loss of entire sight of both eyes	$250,000	$0
Loss of entire sight of one eye and one hand and one foot	$250,000	$0
Loss of one hand or one foot	$125,000	$0
Loss of entire sight of one eye	$125,000	$0
Unauthorised transaction	--
Unauthorised transaction	$20,000 (per cardholder)/$150,000 (per accountholder)	$0

Qantas Business Rewards

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$500
Hospital incidentals	$75 per 24 hours (up to $7,500)	$500
Emergency dental expenses	$1,500	$500
Personal liability	$2,500,000	$0
Overseas funeral or cremation, or body repatriation	$12,500 for cardholder and $25,000 for cardholder + family	$0
Cancellation costs	$5,000 for cardholder and $10,000 for cardholder + family	$500
Baggage and personal goods	$15,000 for cardholder and $30,000 for cardholder + family	$500
Baggage delay expenses	$500 for cardholder and $1,000 for cardholder + family	$0
Resumption of trip	$5,000 for cardholder and $10,000 for cardholder + family	$500
Accidental death	$25,000 for cardholder, $25,000 for spouse and $5,000 for child	$0
Loss of income	$7,500	$0
Travel documents, transaction cards, travellers cheques and cash	$500 for cardholder and $1,000 for cardholder + family	$0
Travel delay expenses (for delays more than 12 hours)	$650 for cardholder and $1,300 for cardholder + family	$0
Alternative transport expenses	$3,500	$500
Rental vehicle insurance excess	$2,250	$0
Hijack and kidnap	$5,000	$0
Other protection	--
Extended warranty	--
Extended warranty	$6,000	$100
Purchase security	--
Purchase security	$6,000	$100
Jewellery, watches and fine arts	$3,000	$100
Price guarantee	--
Price guarantee	$500	$0
Interstate flight inconvenience	--
Flight delay (more than 4 hours)	$500 ($100 per person)	$0
Baggage delay (more than 12 hours)	$500 ($150 per person)	$0
Loss of or damage to personal goods	$1,500 ($750 per item)	$250
Funeral expenses as a result of accidental death	$7,000 ($2,500 per person)	$0
Cancellation of domestic travel arrangements	$3,000	$250
Transit accident	--
Transit accident	$2,500,000	$0
Loss of life	$250,000	$0
Loss of both hands or both feet	$250,000	$0
Loss of one hand and one foot	$250,000	$0
Loss of entire sight of both eyes	$250,000	$0
Loss of entire sight of one eye and one hand and one foot	$250,000	$0
Loss of one hand or one foot	$125,000	$0
Loss of entire sight of one eye	$125,000	$0
Unauthorised transaction	--
Unauthorised transaction	$20,000 (per cardholder)/$150,000 (per accountholder)	$0

How claims work

You can only claim if you have activated your cover.

Medical emergencies

Please contact us as soon as possible if you're admitted to hospital or as soon as you know you require emergency medical assistance. We may be able to cover your expenses directly with the hospital.

XCover Assist is here to help 24/7 if you're suffering from an acute illness or injury and need urgent medical attention. A contact number will show after you activate your protection.

For everything else

To start your claim:

Login to the Commbank app or Netbank.
Navigate to your activated trip.
Select “Start a new claim”.
Upload your documents.

You can also call us on the phone numbers shown on your Travel Insurance Hub for help with your claim or for general enquiries, Monday to Friday 8am–5pm AEST, Saturday 9am-4pm AEST. Please always ensure to have your policy number (ending in -INS) ready, even when you haven't activated your trips.

For all claims we require, as a minimum, a detailed description of the event. We may request documents during the claim process such as booking invoices and receipts. If required documents are not provided to us the claim may be rejected or the status changed to “Pending”.

For a step-by-step guide, visit our Help Centre.

Cancellation and refunds

Cancellation by you

You can only cancel Upgrades to your protection.

If you cancel your Upgrades within 21 days of purchase, you’ll be given a full refund of the premium you paid, if you haven’t started your trip or you haven’t made a claim.

After 21 days you can still cancel your protection. We will refund you a proportion of the premium for the unexpired period of protection (less any non-refundable government charges and taxes that we have paid and that aren’t recoverable).

You’re not entitled to a refund if you have started your trip, you want to make a claim, or exercise any other right under your protection.

Cancellation by us

For reasons such as misrepresentation, non-disclosure, technical errors or sanctions, we may occasionally cancel this policy. You'll receive written notification and a refund where applicable.

Product Disclosure Statement (PDS)

About your cover

Commonwealth Bank provides travel insurance as a benefit for holders of eligible cards. Commonwealth Bank is not the issuer of insurance products. Commonwealth Bank is insured under a Group Policy naming eligible cardholders as the beneficiaries. Information about the activation and eligibility requirements, and terms of cover under the Group Policy, are set out in this document.

Your certificate will show coverage, limits and excess.

Pregnancy

This applies to all sections of this protection.

Costs for normal pregnancy aren’t covered.

Complications of pregnancy or childbirth are covered if:

You aren’t more than 24 weeks pregnant at the start of your trip.
A medical practitioner or midwife has confirmed you’re fit to travel.

Trip cancellation

These benefits are not available for Gold or Business Gold cardholders.

We will reimburse you for unused travel charges, accommodation costs and other pre-paid travel costs related to your trip.

You're protected if...

You or a travelling family member have to cancel or cut your trip short due to any of the following:

Illness, injury or death of you or a travelling family member. This includes all automatically accepted pre-existing medical conditions or those covered under an Upgrade.
A close relative or anyone you’ve arranged to stay with during your trip is seriously injured, becomes ill or dies unexpectedly.
Your home or a travelling family member's home is seriously damaged by fire, burglary, storm or flood within seven days of you leaving for your trip. This includes if the police require your presence.
You're summoned for jury service, armed forces recall or emergency services recall.
You abandon your trip because your departure flight is cancelled or delayed by more than 12 hours due to strike, adverse weather, or mechanical breakdown.
You have to cancel or abandon your trip due to a natural catastrophe.
You or a travelling family member are made redundant after at least 2 continuous years with the same Australian employer. The redundancy must be involuntary and you must not have had any reason to expect it before you activated your cover.

If you cut your trip short, we will pay for each unused day you have remaining. We will deduct any amount recovered or recoverable from third parties. This includes airlines, booking agents, and travel suppliers.

Sub-limits

The most we will pay for claims arising from an illness or injury that caused the death of a close relative living overseas is $2,500 for a cardholder or $5,000 for a cardholder with their family.

The most we will pay for claims in any way related to a pre-existing medical condition of a close relative living within Australia who is hospitalised or dies during the protection period is $2,000 for a cardholder or $4,000 for a cardholder with their family. This is provided that, at the time of activation, you were unaware of the likelihood of such hospitalisation or death.

Rearranging your trip

We will cover the reasonable cost of rearranging your trip for the same or similar standard of transport and accommodation as originally booked. This is up to the limit shown on your certificate. We won’t pay more than the non-refundable costs that would have arisen if your trip had been cancelled.

Frequent flyer and reward points

We will cover the value of frequent flyer or similar flight reward points, air miles or redeemable vouchers lost if you cancel or cut short your trip and you can’t recover your loss in any other way.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For any excess noted on your certificate.
For any claims caused by not wanting to travel. For example, if you change your mind, if your financial circumstances change, if you’ve a work or family commitment, or if there's an event not explicitly covered by this Overseas Travel Policy.
For any rebooked flights after a successful claim or cancellation.
For any claims where you haven't given reasonable notice to the travel service provider, tour operator and/or other provider.
When the event you're travelling for is cancelled. Please direct these claims to your event organiser.
For the cost of any medical tests or certificates.
For any costs relating to unused travel and accommodation for people not covered by this Overseas Travel Policy.
For unused pre-paid travel costs when we've paid to bring you home.
If the regulatory authority in any country withdraws the aircraft, sea vessel, coach or train on which you're booked to travel.
For any cancellation or interruption caused by normal pregnancy or childbirth unless certified by a medical practitioner.
For additional fees and charges applied to your booking. For example, prepaid food and seat selection costs, airport services or surcharges, agent or administration fees, or foreign exchange fees. This exclusion doesn't apply to government taxes.
For claims arising from an act of terrorism.
For claims caused by mechanical breakdown of any means of transport.
For failure by you or another person to get the relevant visa, passport or travel documents.
For errors or omissions by you or another person in the booking.
For the failure of any travel agent, tour operator, accommodation provider, airline or other carrier due to their insolvency.
For any cancellation or interruption caused by a request from your employer, your leave application being denied, or your pre-approved leave being revoked. This exclusion doesn’t apply if you’re a full-time member of the Australian Defence Force or of a federal, state or territory emergency service and your previously approved leave is revoked. This includes the police, fire brigade, ambulance or paramedic service.
For claims caused by a lack of people taking part in a tour, conference, accommodation or travel arrangement, or by wholesaler or operator negligence. This exclusion doesn't apply to separately prepaid travel you've bought to reach the departure point.*

*If a prepaid overnight tour or river cruise is cancelled because not enough people signed up, we may still cover your other prepaid costs. We will pay up to $800 for whichever is lower: the cost to amend your plans, or the non-refundable costs if you cancel.

Emergency medical expenses and assistance

Contact XCover Assist as soon as possible if you're admitted to hospital, or before you agree to pay any treatment or evacuation costs. If you can’t because you’re in a genuine emergency, we will cover reasonable costs. Otherwise, we will reimburse only what we would have approved had you contacted us first.

We will pay for the following costs and expenses during your trip overseas if you become ill or suffer an injury and it becomes necessary for you to receive treatment from a medical practitioner, as an inpatient or outpatient. This includes dental injuries.

Protection under this benefit applies for a maximum of 12 months from the date your illness or injury first occurred during your trip.

Medical evacuation and emergency flights

The XCover Assist Team will choose care options such as evacuation and emergency flights for you and/or a carer or companion.

Additional accommodation and transport costs

We will pay accommodation and return transport costs for you and one other person for up to 14 days. That person can travel from your home country to be with you.

We will also reimburse your taxi fares to your medical facility.

Dental treatment

We will cover emergency dental treatment if you need immediate pain intervention. We will pay up to $1,500 per person for emergency dental treatment that a treating dentist confirms in writing is for the relief of sudden and acute pain.

This limit doesn’t apply to dental costs for dental injuries. These are covered under the ‘Overseas Emergency Medical and Hospital Expenses’ benefit.

Hospital incidentals

We will reimburse costs like TV rental, newspapers and hospital phone calls if you’re in hospital for more than 48 continuous hours on your trip and your claim is approved.

Funeral costs and repatriation

Overseas funeral costs and repatriation are covered if you die for a reason covered by this protection, while on a trip overseas. We will make the necessary arrangements. We will pay the reasonable costs of a funeral service and burial or cremation overseas, and the cost of bringing your remains to Australia.

Pre-existing medical conditions

We automatically cover the pre-existing medical conditions below, if you haven't been admitted to hospital, had day surgery, or attended an emergency department for that condition in the 12 months before activation.

If your pre-existing medical condition isn’t automatically covered and you want cover, you’ll need to apply for a Pre-existing medical conditions Upgrade. A premium applies.

Automatically covered pre-existing conditions (no criteria)

The following pre-existing conditions are automatically covered with no additional criteria:

Acne
ADHD (Attention Deficit Hyperactivity Disorder)
Bunions
Carpal Tunnel Syndrome
Cataracts
Cleft Palate
Cochlear Implant
Coeliac Disease
Congenital Adrenal Hyperplasia
Congenital Blindness
Congenital Deafness
Conjunctivitis
Dengue Fever
Dry Eye Syndrome
Dupuytren's Contracture
Eczema
Gastric Reflux (GORD)
Glaucoma
Gout
Hay Fever
Hormone Replacement Therapy
Hypothyroidism (incl. Hashimoto's Disease)
Lipoma
Macular Degeneration
Meniere's Disease
Rhinitis
Rosacea
Sinusitis
Tinnitus

Automatically covered pre-existing conditions (with criteria)

The following pre-existing conditions are automatically covered provided the criteria shown are met:

Medical Condition

Criteria

Anxiety

Not diagnosed with Depression in the last 3 years; prescribed medication unchanged in the last 12 months; not currently waiting to see a mental health clinician; not previously required to cancel or curtail travel plans due to Anxiety.

Asthma

Under 60 years of age; no other lung condition or disease (incl. COPD, Emphysema, Pulmonary Fibrosis); non-smoker for at least 18 months; no prescribed oxygen outside hospital.

Diabetes (type 1 or type 2) / glucose intolerance

First diagnosed more than 6 months ago; no complications in the last 12 months; no kidney, eye or neuropathy complications; no cardiovascular disease.

Depression

Not admitted to hospital for this condition in the last 2 years; prescribed medication unchanged in the last 12 months; not currently waiting to see a mental health clinician; not previously required to cancel or curtail travel plans due to Depression.

Ear Grommets

No current infection.

Hiatus Hernia

No surgery planned.

Hypercholesterolaemia (High Cholesterol)

No cardiovascular disease and/or no diabetes.

Hyperlipidaemia (High Blood Lipids)

No cardiovascular disease and/or no diabetes.

Hypertension (High Blood Pressure)

No cardiovascular disease and/or no diabetes.

Single Pregnancy

Single, uncomplicated pregnancy — cover up to 24 weeks. Conception not medically assisted (e.g. no IVF or hormone therapies).

*Hypercholesterolaemia, Hyperlipidaemia and Hypertension are risk factors for cardiovascular disease. If you’ve a history of cardiovascular disease and it’s a pre-existing medical condition, protection for these conditions is also excluded.

Exclusions relating to the health of others

Any travel companion not named on your certificate may have a pre-existing medical condition. If their health deteriorates greatly, you may want to cancel or cut short your trip. You're protected if their medical practitioner confirms in writing that, when you activated your cover or booked your trip (whichever is later), there was no reason to expect their health would deteriorate in this way. All other terms and conditions of this protection apply to these claims.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For any costs incurred before your trip.
For pre-existing conditions that are not automatically covered or accepted by us.
For any costs if you're travelling against medical advice. This includes advice from your medical practitioner, our medical practitioner, or any government authority.
For any costs which aren't medically necessary.
For incorrect use of medications.
If the claim happened before you activated your cover or it was foreseeable that a claim would occur.
For medical or dental treatment or ambulance transport in Australia unless you're on a domestic cruise that isn’t on an Australian inland waterway or tied up in an Australian port. If you’re travelling on a domestic cruise, this exclusion doesn’t apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters.
For expenses incurred after 2 weeks' treatment by a dentist, chiropractor or physiotherapist, unless approved by us.
For dental costs involving precious metals, teeth whitening or cosmetic dentistry or preventative or routine dental treatment.
For damage to dentures, dental prostheses, bridges or crowns.
For continuation or follow-up treatment you were receiving before the start of the trip. This includes medication and ongoing immunisations.
For claims where you’ve received medical care under a Reciprocal Healthcare Agreement.
For any claim resulting from using a vehicle where you or the driver didn't have an appropriate licence, weren't permitted to drive, or violated local road laws.
For any non-emergency treatment or surgery not directly related to the illness or injury which caused your hospitalisation. This includes exploratory tests.
For any claim from any medical procedures relating to the insertion of a pacemaker, AICD or ICD device while travelling overseas.
For claims related to, or are made worse by, any physiological or psychological signs or symptoms that you were aware of or reasonably should have been aware (meaning a person in your circumstances would have been aware of) before you activated, if you:
Hadn’t yet sought a medical opinion about the cause,
were currently under investigation to receive a diagnosis, or
were awaiting specialist opinion.
For claims from elective medical or dental treatment. This includes cosmetic procedures, tattoos and piercings.
For any disease transmitted through giving or taking drugs, unless the drug was given under the supervision of a medical practitioner and the illness isn’t otherwise excluded under this protection.
For any medical, hospital or evacuation costs after you decline to follow medical advice we’ve arranged or obtained on your behalf. If we advise you to return to Australia for treatment and you choose not to, we will limit protection to the costs incurred up to the date of that advice, plus the reasonable cost of returning you to Australia. You'll be responsible for any further costs after that point.
For private hospital or medical treatment costs where publicly funded services or care are available if our emergency assistance team advised you to use those services and you chose not to.

Personal liability

You must tell us as soon as you or your representatives are aware of any possible prosecution, inquest or accident that might lead to a claim against you. You mustn’t make any payment, admit liability or offer or promise to make any payment without our written consent.

We will pay for or reimburse legal costs and expenses awarded against you for injury or death of a person or damage to their property while on a trip.

You're protected if...

You’re involved in an accident, and you become legally responsible to pay compensation for the accidental injury or death of another person. This doesn’t include employees, family members, or travel companions.
You’re held legally responsible for damage to someone else’s property. This doesn’t include property owned by your employer, employees, family members, other ticket holders or travel companions.

Cover is for compensation awarded against you. This includes legal costs. You’re also covered for reasonable legal costs incurred for settling or defending a claim against you (with our prior written approval).

You're not covered for...

For compensation or legal costs from:

Any exclusions listed in the ‘General exclusions’ section of this protection.
Any liability you took on voluntarily under an agreement, unless you would have been liable anyway without the agreement.
Any personal business, trade, profession or occupation, the supply of goods or services or the ownership or occupation of land, buildings, or immobile property.
Any ownership, possession or use of vehicles, aircraft, drones, firearms, weapons or waterborne craft.
Transmission of any illness, disease or virus.
Fines, penalties, exemplary or aggravated damages.
Assault or battery committed by you or at your direction.
Liability arising from an act of terrorism.
Illegal use or supply of chemical or biological weapons.

Resumption of trip

We will pay economy class transport costs for you to return overseas and continue your trip if you have to return home early because a close relative died unexpectedly or was admitted to hospital during your trip.

You're protected if...

It’s possible for you to resume your trip.
There are more than 14 days remaining on your protection period.
You resume your trip within 12 months of your return to Australia.
The illness or injury was not in any way related to a pre-existing medical condition. The sub-limits below apply.

Sub-limit: If the hospitalisation or death was due to a pre-existing medical condition, we will pay up to $2,000 (cardholder only) or $4,000 (with family) for economy class transport costs, provided you had no reason to expect this outcome when you activated your protection.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For claims if you were aware before your protection period started, that your trip may be cancelled, delayed or disrupted.

Accidental death

If you die during or within a year of your trip because of an injury suffered on your trip, we will pay your estate the amount shown in the Table of benefits. This benefit also applies if the transport you're travelling on disappears, sinks or crashes and you're presumed dead and your body isn’t found within 12 months.

Loss of income

If you suffer an injury during your trip, we will pay you up to $750 per week for your weekly net of income tax wage for a maximum period of 3 months, starting from the 31st day after your return to Australia, if:

The injury you suffer requires medical treatment overseas.
The injury leaves you disabled within 30 days of it occurring.
The disability continues for more than 30 consecutive days after you return to Australia.
You lose all your income because you can't return to your usual employment in Australia.
A medical practitioner is regularly treating you and confirms in writing that your disability prevents you from working.

There’s no protection for any loss that isn’t directly associated with the incident that caused the claim. For example, loss of earnings not due to the injury during your trip.

Travel documents, transaction cards, travellers cheques and cash

Travel documents

If your passport, transaction cards or travellers cheques are lost, stolen or destroyed during your trip, we will pay the issuer's replacement and communication fees.

Transaction cards or travellers cheques

We will pay for any loss resulting from the fraudulent use of your transaction cards or travellers cheques that are lost or stolen during your trip.

Cash

We will reimburse you for cash, bank notes, currency notes, postal or money orders stolen from you or from a locked safe or safety deposit box during the trip.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For loss or theft that isn’t reported to the police or security personnel, or the issuing bank, as soon as possible and within 7 days. You must submit a copy of the relevant report with your claim.
For any amount covered by any guarantee given by the bank or issuing company to you.
For your failure to comply with recommended security guidelines for the use of bank or currency notes, cheques, credit cards, postal or money orders or petrol coupons.
For cash, bank notes or currency notes not on your person or in a locked safe or safety deposit box at the time they were stolen.

Personal property

Personal property protection is automatically included for Diamond, Smart, and Ultimate cardholders. Gold and Platinum cardholders are only protected if they have purchased the protection.

Your baggage and personal items are protected if they're stolen, damaged or destroyed while you’re on a trip.

Personal electronics

We will cover your personal electronics if they're stolen, damaged or destroyed while you’re on a trip. This includes mobile phones, tablets, cameras and laptops. Claims will be paid based on the replacement or repair cost, or the original purchase price, whichever is lower.

Personal baggage

We will reimburse you up to the limits on your certificate if your personal baggage is accidentally damaged, destroyed or stolen during your trip. This includes jewellery and other valuables.

The most we will pay for any single item of personal baggage is:

$3,000 for Qantas Business Rewards cardholders.
$5,000 for Diamond, Smart Awards and Ultimate Awards cardholders.

Business items

We will repair, replace, or pay the monetary value of your business items if they’re lost, stolen or damaged during the protection period.

Prescription medication

We will pay up to $500 for overseas expenses to replace your prescription medication if it is lost, stolen or damaged during your protected period.

Recovered items

If we've approved your claim for lost or stolen items but they're found and can be returned to you by post, we will pay up to $500 in postage costs to get them back to you instead.

NOTE: For any claim relating to a mobile/smart phone, you must provide confirmation in writing from your service provider of the time and date you contacted them to discontinue the service.

You (or any other travelling family members) aren’t covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For any excess noted on your certificate.
For any claims relating to lost, stolen or destroyed cash.
If you lose, misplace or forget your items.
For items left behind in any accommodation after you’ve checked out, or left behind in any aircraft, ship, train, tram, taxi or bus.
For items left unattended in a public place.
For items left unattended in any motor vehicle overnight.
For items left unattended in any motor vehicle during daylight hours, unless stored in a concealed storage compartment of a locked vehicle and forced entry was gained. The most we will pay in total is $2,500.
If you can't provide a police report dated within 7 days of the incident for theft or loss.
For valuables placed in your checked baggage or in the care of a public transport carrier unless security regulations require it.
For a mobile phone or device if you're unable to supply the IMEI.
For snow sport equipment unless you’re covered under the Snow Extras Upgrade.
For an electrical or mechanical fault or breakdown.
For damage caused by adverse weather conditions, wear and tear, or vermin.
For items that are commercial samples, works of art, antiques or taken overseas to sell.
For loss, damage or expense caused by confiscation, detention, destruction or seizure by customs, government, police or other lawful authorities.
For fragile or brittle items unless the loss or damage was caused by thieves, burglars, fire or collision of transport.
For sporting equipment (including bicycles) damaged, lost or stolen while in use. Watercraft is excluded with the exception of surfboards.

Baggage delay expenses

You're protected if...

Any of your baggage or personal items are delayed, misdirected or misplaced by your carrier during your trip for more than 12 hours. We will reimburse you for underwear, socks, toiletries, non-prescription medication and a change of shoes and clothing you bought after the 12-hour delay and before your items were returned to you.

You must produce original receipts and confirmation of the delay from the carrier.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For expenses if you're entitled to compensation from the carrier. However, if you're not reimbursed the full amount, we will pay the difference up to the limit.
For a delay that isn’t reported to the responsible carrier in writing at the time of making the report.
For expenses on the leg of the trip when you're returning home.

Travel delay

You're protected if...

Your pre-booked transport is temporarily delayed for at least 6 hours due to an unforeseeable circumstance outside your control. This includes cyber incidents.

If you’re travelling alone, we will reimburse you up to $250. If you’re travelling with your family, we will reimburse you $500 for reasonable additional meals and accommodation costs. For each further full 12-hour period the delay continues, we will pay up to an additional $150 if you’re travelling alone or $300 if you’re with your family, up to a maximum of $800 for reasonable additional meals and accommodation expenses you incur.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
If your flight is delayed by less than 6 hours.
If you fail to check in for your transport in time.
If you were made aware of the delay before you activated your cover.
For claims caused by the insolvency of any travel agent, tour wholesaler, tour operator or booking agent.
If you don't provide confirmation from the public transport carrier of the cause and period of the delay and the amount of compensation offered by them.

Alternative transport expenses

You're protected if...

An unexpected event outside your control means you'll miss or will be unable to arrive in time to a special occasion; we will cover your reasonable additional travel costs and any unused connections you need to rebook. For example, weddings, funerals, prepaid conferences, concerts, music festivals, sporting events, and prepaid travel or tour plans.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For claims caused by financial collapse or insolvency of any travel agent, tour wholesaler or booking agent.
If you haven't allowed enough time to meet the check-in time on your itinerary.
If you're not proceeding directly to the departure point.
For claims where the transport operator has offered reasonable alternative travel plans.
For additional costs from a riot, civil commotion, strike or industrial action which began or was announced before your Overseas Travel Policy started.
If you were denied boarding for your original flight for any reason.

Rental vehicle insurance excess

We will pay the lower of the rental vehicle insurance excess, the liability fee under a damage waiver, or the repair costs to the rental vehicle that you become liable to pay for while on a trip.

You're protected if...

You’ve hired a rental vehicle and are the nominated driver on the rental agreement;
You’ve purchased motor vehicle insurance or a damage waiver from the rental company; and
The rental vehicle is damaged or stolen while in your control during your protection period.

Additionally, if you're unable to return your rental vehicle to the nearest depot due to a claimable event under this protection, we will pay up to $500 for the cost of returning the vehicle.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
If you breach a condition of this Overseas Travel Policy. For example, by failing to purchase the rental company's CDW coverage options.
For any damage or theft from operating a rental vehicle in violation of the rental agreement.
For driving the rental vehicle without a valid licence.
For damage sustained to a rental vehicle while driven on an unsealed road.
For administration costs or loss of use penalties.

Hijack and kidnap

We will pay you $250 for each continuous 24-hour period that you’re forcibly detained if you’re hijacked or kidnapped during your trip.

Upgrades

Cardholders must complete the 2-step activation process to be eligible for these upgrades.

When a cardholder completes the 2-step activation process, they can apply for the following Upgrades. You’ll need to pay a premium for each Upgrade. You can’t apply for some Upgrades once your trip has started.

Snow extras

This protection only applies if your certificate shows the Snow extras Upgrade.

Emergency rescue

Please contact XCover Assist's 24-hour emergency assistance team as soon as possible for any emergency claims.

If you're ill or injured during snow sport activities while on a trip, we cover transport to the nearest hospital and the costs of bringing you home with medical supervision.

Your snow sport equipment

Your snow sport equipment is protected if it's stolen or accidentally damaged while on a trip. We will repair or replace your item or provide a credit or cash payout.

If your snow sport equipment is left in a motor vehicle, it’s only covered during daylight hours and if it’s kept in a concealed compartment of a locked vehicle. There must be evidence of forced entry.

The maximum benefit limit is $2,000 if you're travelling alone and $4,000 if you're travelling with your family.

The most we will pay is $200 per item, $1,000 in total for items stolen from a vehicle.

We won’t pay for:

items left behind in any:
1. cruise cabin, hostel, hotel or motel room or peer to peer service type accommodation (including but not limited to Airbnb) after you have checked out, or
2. aircraft, bus, car, peer to peer service transport vehicle (including but not limited to Uber), rental car, ship, taxi, train, tram or any other vehicle or vessel
lost or stolen snow sport equipment, that is not reported to the:
1. police or security personnel
2. responsible public transport carrier (if your items are lost or stolen while travelling with a public transport carrier), or
3. accommodation provider.

All cases of loss or theft must be reported as soon as possible and within 7 days. A copy of the relevant report must be submitted for any claim involving loss or theft. If you are unable to provide us with a copy of the relevant report, you must provide us with a reasonable explanation and details of the time and place you made the report, including their contact details.

snow sport equipment items sent unaccompanied by you or under a freight contract.
loss or damage caused by atmospheric or climatic conditions, wear and tear, vermin or any process of cleaning, repairing, restoring or alteration.
snow sport equipment left behind, forgotten, misplaced, walked away from or left unattended in a public place.
snow sport equipment left unattended in any motor vehicle overnight even if they were in a concealed storage compartment.
snow sport equipment left unattended in any motor vehicle, unless it was stored in a concealed storage compartment of a locked motor vehicle and forced entry was gained: cover is limited to a maximum amount of $200 for each item, and $1,000 in total for all stolen items.
loss or damage to snow sport equipment while it is in use, or
claims relating to you participating in ice skating, off-piste or backcountry activities, bobsleighing, snow rafting, parapenting, heli-skiing, ski acrobatics, ski or snowboard jumping, aerial skiing, stunting, freestyle, skijoring or any form of power-assisted skiing or use of mechanised snowmobiles, except when provided by the recognised piste authorities for transporting you to and from designated areas.
Snow sport equipment hire

Your snow sport equipment is protected if it's stolen or accidentally damaged while on your trip. If your own equipment is misdirected or delayed for more than 24 hours, we will pay for the reasonable costs of hiring alternative equipment.

The maximum benefit limit is $2,000 if you’re travelling alone and $4,000 if you’re travelling with your family.

Piste closure

We pay up to $100 a day if all ski lift systems at your pre-booked resort are closed for more than 24 hours while on your trip. For example, due to lack of snow, bad weather or power failure. You can use this for transport to the nearest open resort or for additional ski passes.

The maximum benefit limit is $2,000 if you’re travelling alone and $4,000 if you’re travelling with your family.

We won’t pay for claims relating to:

resorts that don’t have skiing facilities more than 1,000 metres above sea level, or
you staying in resorts in the northern hemisphere outside the period 15th December to 31st March or the southern hemisphere outside the period 15th June to 30th September (except resorts open outside of these periods that have sufficient snow for normal skiing activities).
Bad weather and avalanche closure

If your pre-booked return is delayed by more than 12 hours due to an avalanche or bad weather, we will cover your extra travel and accommodation costs.

The maximum benefit limit is $1,250 if you’re travelling alone and $2,000 if you’re travelling with your family.

Off-piste skiing and heli-skiing

You can participate in off-piste skiing and heli-skiing/boarding activities with the Snow Extras Upgrade while on your trip, if:

you’re under 70 years of age at the time you activate the Overseas Travel Policy.
while heli-skiing/boarding you’re on a guided tour with a licensed tour operator.
when skiing or snowboarding off-piste, you are not going against local advice or warning.
you’re not participating in a professional capacity, and
you‘re not racing.
Snow Sport Package

If you’re unable to use your prepaid ski passes, snow sport equipment hire, tuition fees or lift passes due to you suffering a disabling injury, sickness or disease while on your trip, we will reimburse you the unused portion of those costs.

The maximum benefit limit is $1,250 if you’re travelling alone and $2,000 if you’re travelling with your family.

You must obtain a medical certificate from your medical practitioner.

We won’t pay for claims relating to you:

participating in ice skating, off-piste or backcountry activities, bobsleighing, snow rafting, parapenting, heli‑skiing, ski acrobatics, ski or snowboard jumping, aerial skiing, stunting, freestyle, skijoring or any form of power‑assisted skiing or use of mechanised snowmobiles except when provided by the recognised piste authorities for transporting you to and from designated areas, or
staying in resorts in the northern hemisphere outside the period 15th December to 31st March or the southern hemisphere outside the period 15th June to 30th September (except resorts open outside of these periods that have sufficient snow for normal skiing activities).

An excess of $500 applies to most Snow Extras benefits. The excess will be shown on your certificate.

Cruise extras

This protection only applies if your certificate shows the Cruise extras Upgrade.

Medical cover while cruising

If you're admitted to hospital or need to be transported home while on a cruise, contact XCover Assist's 24-hour emergency assistance team as soon as possible.

We will pay for medical costs and expenses during your cruise overseas if you become ill or suffer an injury requiring treatment from a medical practitioner. We pay your outstanding costs after seeking reimbursement from other sources first.

2. Evacuation cover

The XCover Assist emergency assistance team will arrange transport home, evacuation for medical reasons, and associated emergency flights for you or a carer or companion.

3. Cabin confinement

We will pay you if you're confined to your cabin due to illness or injury for more than 24 hours. You'll receive $50 for every 24 hours after the initial period.

The maximum benefit limit for this section is $500 if you’re travelling alone and $1,000 if you’re travelling with your family.

We will also cover non-refundable prepaid shore excursion costs if you're unable to attend as a result of this confinement. The maximum benefit limit for this is $1,250 if you’re travelling alone and $2,000 if you’re travelling with your family.

4. Formal wear damaged, lost or stolen

We will cover formal wear that is damaged, lost or stolen during your cruise. We will pay the lesser of the repair or replacement cost, or the original purchase price.

5. Delayed formal wear

We will cover reasonable costs if your formal wear is delayed in transit for more than 12 hours.

6. Marine rescue diversion

We will reimburse you if your cruise diverts from its intended course due to a marine rescue. You'll be paid $100 for every 24 consecutive hours until it returns to its scheduled course.

An excess of $500 applies to most Cruise Extras benefits. The excess will be shown on your certificate.

Adventure plus

This protection only applies if your certificate shows the Adventure plus Upgrade. We won’t pay claims if you take part in an activity as a professional. For example, as a guide or as a paid participant. You can’t apply for this Upgrade if your trip has begun, or if the start date shown on your certificate has passed.

The Adventure plus Upgrade allows you to take part in certain higher-risk adventure activities while on your trip. Without this Upgrade, you’re not covered for taking part in these activities. Protection is subject to meeting the criteria listed and starts from the time the extra premium is paid. A premium applies.

These activities include:

Closed circuit triathlon up to a 1.5-kilometre swim, 40-kilometre bike ride and 10-kilometre run.
Scuba diving if the maximum depth is between 30 metres and 50 metres below the surface. You must be diving under the direction of an accredited dive marshal, instructor or guide; or, if qualified, diving within the guidelines of the relevant* diving or training agency or organisation and not diving alone.
Scuba diving to a depth greater than 50 metres below the surface, if you’re qualified to do so. You must be diving within the guidelines of the relevant diving or training agency or organisation, are diving with a professionally organised party, and not diving alone.
Trekking (which doesn’t require specialist climbing equipment) that reaches a maximum altitude between 4000 metres and 6000 metres above sea level, if the trek takes more than 2 days to complete.
Trekking the Kokoda Track.

*BSAC Sports Diver – 35 metres, BSAC Dive Leader – 50 metres, PADI Advanced Open Water – 30 metres, PADI Dive Master – 40 metres, PADI Deep Dive Speciality – 40 metres, SSI Advanced Open Water – 30 metres, SSAC Sports Diver – 35 metres or SSAC Master Diver – 50 metres.

Motorcycle, Motorscooter and Quadbike plus

This protection only applies if your certificate shows the Motorcycle, Motorscooter and Quadbike plus Upgrade. You can’t apply for this upgrade if you’ve started your trip or the start date shown on your certificate has passed.

The Motorcycle/Motorscooter/Quadbike Plus Upgrade extends protection for riding motorcycles and motorscooters with an engine capacity between 51cc and 250cc inclusive, and quadbikes of any engine capacity while on your trip. Without this Upgrade, protection only applies to motorcycles and motorscooters up to 50cc.

If you’re approved for this upgrade and pay the premium, you’re only covered if:

You're driving and hold a valid Australian motorcycle license or Australian motor vehicle licenses.
You're a passenger and the driver holds a valid Australian motorcycle license or Australian motor vehicle licenses.
You’re wearing a helmet.
You’re not driving in a professional capacity.
You’re not racing or taking part in motocross.

If you have this upgrade, you’re not covered under the ‘Personal Liability’ section of this protection. This means you’re responsible to pay the costs of damage to the vehicle or someone else's property or if you injure another person.

Overseas Travel Policy for people aged 80 or over

This protection only applies if your certificate shows the Overseas Travel Policy for people aged 80 or over Upgrade. You can’t apply for this upgrade if you’ve started your trip or the start date shown on your certificate has passed.

If you’re aged 80 or over at the time of activation, you’ll be protected under the emergency medical and trip cancellation sections of this protection while on your trip.

For cancellation costs, this includes where a claim is due to the death, injury, sickness or disease of a cardholder or spouse aged 80 or over at the time of activation.

Important: These benefits will only apply if you’ve completed a medical assessment, we have agreed to cover you, and you’ve paid the applicable premium.

Pre-existing medical conditions Upgrade

This protection only applies if your certificate shows the Pre-existing medical conditions Upgrade. You can’t apply for this upgrade if you’ve started your trip or the start date shown on your certificate has passed.

If your pre-existing medical condition isn’t automatically accepted (see the ‘Pre-existing medical conditions’ section), you can apply for a Pre-existing Medical Conditions Upgrade. If approved, you'll be protected under the emergency medical and trip cancellation sections of this protection whilst on your trip. You’ll be issued a certificate confirming the pre-existing conditions covered. A premium applies.

We won’t pay claims from or related to your pre-existing medical condition if:

You don't apply for this upgrade.
You apply for this upgrade, and we don’t agree to provide cover for your pre-existing medical condition.
We agree to provide cover for your pre-existing medical condition, and you don’t pay the extra premium.

Free extension of your cover

If your trip needs to be extended due to circumstances outside your control, we will cover you until you're able to complete your trip. For example, if your return flight is delayed or you're admitted to hospital overseas.

You’re only covered for incidents that occur in the protection period.

Your protection period may be automatically extended at no extra cost if your return to Australia has been delayed, and you return home as soon as possible, if:

Your scheduled transport back to Australia is delayed for reasons beyond your control
The delay is due to an event for which you can claim.

If your overseas trip is for a period longer than the protection period, you won’t be covered at the end of that period unless you’ve successfully applied for an Upgrade. You’ll need to complete the 2 steps to activate the Overseas Travel Policy and then apply for the Extension of period of cover Upgrade. You can only activate one Overseas Travel Policy per trip.

Other protection

These other protections are included at no additional cost when the relevant personal goods are charged to your eligible Commonwealth Bank credit card. Terms, conditions, limits and exclusions apply.

Crack Screen Cover

This benefit is available to Smart Awards and Ultimate Awards cardholders only. It applies independently of any trip or activation requirement. To be eligible, you must have purchased the phone outright using an eligible Commonwealth Bank credit card, or use your eligible Commonwealth Bank credit card to pay your phone plan.

We will reimburse the reasonable cost of repairing a cracked front screen on your eligible device if it’s accidentally damaged while in your possession, for up to 3 years after you buy the new phone.

Eligible devices include mobile phones registered to you and used for personal (non-commercial) purposes.

Your limit depends on your card type:

Smart Awards cardholders: the maximum we will pay is $500 for parts and labour.
Ultimate Awards cardholders: the maximum we will pay is $1,000 for parts and labour.

You can make one claim per 12-month period. A 10% excess applies.

Claims will be settled based on the cost of repair at an authorised repairer. If the eligible device can’t be repaired, or the cost of repair exceeds the eligible device's current market value, we may elect to pay the lesser of the repair cost or the current market value of the eligible device, up to the limit shown on your certificate.

You're protected if...

The front screen damage was caused by an accidental drop or impact while the device was in your possession.
You submit your claim within 30 days of the damage occurring.
You provide proof of ownership and a written repair quote or invoice from an authorised repairer. For example, a purchase receipt or bank statement.
You bought your mobile phone outright using an eligible Commonwealth Bank credit card, or use your eligible Commonwealth Bank credit card to pay your phone plan.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
If your claim entitlement for the 12-month period has been exhausted.
Where your phone plan, paid using an eligible Commonwealth Bank credit card is a prepaid, top up or add-on plan or purchase.
For damage caused by wear and tear, gradual deterioration, or exposure to liquid or moisture.
For damage to any part of the device other than the screen (e.g. internal components, cameras, buttons or casing).
For devices used primarily for commercial or business purposes.
For theft or loss of the device.
For devices that aren’t registered in your name.
For damage from cleaning, servicing, inspection, maintenance, adjustment or repair.
For damage if you’ve breached the manufacturer’s operating or guidance instructions.
If the repair has already been carried out before we have approved the claim.
For cosmetic damage that doesn’t affect the function of the screen.

Interstate flight inconvenience

Interstate Flight Inconvenience is only available to Qantas Business Rewards cardholders. You’re protected if you charge the entire cost of your return interstate flight to your Qantas Business Rewards credit card.

We’ll pay for:

Flight delay (more than 4 hours): up to $100 per person, to a maximum of $500 total, for meals and refreshments. No excess applies.
Baggage delay (12 hours or more): up to $150 per person, to a maximum of $500 total, for essential clothing and toiletries. No excess applies.
Loss of, or damage to, personal goods: up to $750 per item, to a maximum of $1,500 total per trip. A $250 excess applies.
Funeral expenses as a result of accidental death: $2,500 per person, to a maximum of $7,000 total per trip. No excess applies.
Cancellation of domestic travel arrangements: up to $3,000 total per trip. A $250 excess applies.

Your protection begins on the earlier of:

the departure date shown on your return interstate flight ticket, or
the time you leave your home if you travel directly from that home to the airport shown on your return interstate flight ticket.

It ends when the first of the following happens:

7 days after the departure date shown on the Qantas Business Rewards cardholder’s return interstate flight ticket.
When you cancel your interstate flight ticket.
When you return to your home, if you travel directly to that home from the airport shown on your return interstate flight ticket.

Interstate flight inconvenience conditions

You’re protected if:

You, your travel companion or a close relative unexpectedly:
1. die(s)
2. is seriously injured, or
3. become(s) seriously ill. We will need to see medical advice written by a medical practitioner regarding any of the above events and be satisfied that the expenses involved are reasonable.
You or your travel companion’s normal residence in Australia is totally destroyed but not as a result of an act of terrorism.
You or your travel companion are quarantined.
You or your travel companion are subpoenaed to attend court in Australia.
Your arranged travel is cancelled or delayed by the carrier because of an unexpected natural disaster or the mechanical breakdown of the aircraft.
You’re involuntarily made redundant from permanent full-time employment in Australia after a continuous working period of 2 years with the same employer and where you would not have been aware before the interstate flight was purchased that the redundancy was to occur.

Price guarantee

Price Guarantee is only available to Qantas Business Rewards cardholders. The maximum refund we will pay is $500 for any one item, set or pair of items (including attached and unattached accessories).

We will refund you if you receive a printed or emailed catalogue showing the same business item or personal goods for a lower price in another store within 21 days of your purchase. This store must be within 25 kilometres of the store that you purchased your business items or personal goods in, and the price difference must be greater than $75.

Provided the price difference is greater than $75, we will refund the price difference up to a maximum amount of $500 for any one item, set or pair of items (including attached and unattached accessories).

You’re protected when:

business items or personal goods up to the value of $10,000 are purchased by a Qantas Business Rewards cardholder in a store (not online) in Australia,
the entire cost is charged to the Qantas Business Rewards cardholder’s eligible credit card account.
the business items or personal goods don’t exceed $10,000 in value.

To make a claim, you must report the cheaper article and submit your claim to us within 30 days of the purchase of the business items/personal goods.

The cheaper business item or personal goods must be the same model number, the same model year and produced by the same manufacturer as the business items or personal goods purchased by you.

Business items or personal goods purchased or advertised exclusively on the internet aren’t covered.

Purchase security

Purchase Security is only available to Qantas Business Rewards cardholders. We cover personal goods charged to your eligible Qantas Business Rewards credit card account against accidental loss, theft or damage.

This protection provides 90 consecutive days of cover (from the date of purchase) in the event of loss, theft or damage of a wide range of new business items or personal goods purchased anywhere in the world, when those items are charged in full to the cardholder’s eligible credit card account or purchased by redeeming Commonwealth Yello points.

We will repair your item if it is damaged, lost, or stolen, and it is practical and economic to do so. If it’s not practical and economic to repair the item, we will replace the item, provide you with a replacement voucher if the item is available from our usual suppliers, or pay you the monetary value of the item.

Where the item is part of a pair or set, you’ll receive no more than the value of the particular part or parts lost, stolen or damaged, regardless of any special value that the item may have by way of being part of such a pair or set. Our payment won’t be more than the amount you paid for the item.

Purchase security conditions

This cover provides automatic insurance protection for new business items or personal goods when their purchase is charged in full to an eligible credit card or the purchase is made by direct redemption of Commonwealth Yello points, unless the business items or personal goods and/or claims are excluded by the policy’s terms and conditions, or the cardholder fails to comply with the policy conditions in this booklet. For the avoidance of doubt, business items or personal goods being purchased by installment payments (e.g. mobile phone contracts) are not covered until the final payment is made.
Cover extends to permanent Australian residents who receive the new business items or personal goods as a gift from a cardholder who has purchased the business items or personal goods in accordance with point 1 above. For the purpose of this Purchase Security cover only, these persons are also referred to as cardholder or cardholders.
The business items or personal goods are insured anywhere in the world for 90 consecutive days from the date of purchase in the event of loss, theft or damage. However, there is no cover until you have taken possession of the business items or personal goods.
An excess of $100 applies.

We will pay the lesser of:

the actual amount charged to the cardholder’s eligible credit card account to purchase the new business items or personal goods.
the market value of the business items or personal goods purchased through the redemption of Commonwealth Yello points.
in respect of jewellery, watches and fine arts, a maximum amount of $3,000.
up to a maximum in any 12-month period of $6,000.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For damage, loss or theft of valuables placed in the care of a public transport carrier, including any loss from the point of check-in until collection by you from the baggage carousel or collection area at the end of your flight, journey or voyage.
For valuables left unattended in a motor vehicle at any time, even if stored in a concealed storage compartment.
For personal goods left:
1. behind in any cruise cabin, hostel, hotel or motel room or peer to peer service type accommodation (including but not limited to Airbnb) after you have checked out
2. unattended in a public place
3. behind in/on any aircraft, bus, car, peer to peer service transport vehicle (including but not limited to Uber), rental car, ship, taxi, train, tram or any other vehicle or vessel
4. behind, forgotten, misplaced or walked away from in a public place
5. unattended in any motor vehicle overnight even if they were in a concealed storage compartment
6. unattended in any motor vehicle other than overnight, unless they were stored in a concealed storage compartment of a locked motor vehicle and forced entry was gained
7. under the supervision of somebody who is not you or your travel companion, or
8. with a person who steals or deliberately damages them.
For loss or theft that is not reported to the:
1. police or security personnel
2. responsible public transport carrier (if your items are lost or stolen while travelling with a public transport carrier), or
3. accommodation provider.

Extended warranty

Extended warranty is only available to Qantas Business Rewards cardholders. It doesn’t change or take away your rights under Australian Consumer Law. Only covered breakdowns are eligible for Extended warranty.

This protection extends the manufacturer’s expressed written Australian warranty on business items or personal goods if the purchase is charged to the cardholder’s eligible credit card account or is purchased by redeeming Commonwealth Yello points. The business items or personal goods may come with guarantees from the seller and/or the manufacturer that cannot be excluded under the Australian Consumer Law or other relevant law and that may entitle you to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You may also be entitled to have the goods repaired or replaced, if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

This protection doesn’t change or take away any rights you may have under the Australian Consumer Law in relation to your business items or personal goods. However, you can choose to make a claim under this cover even if you have rights under the law.

Extended warranty conditions

This protection comes into effect at the end of the Australian warranty period that applies to those business items or personal goods and covers the cost to repair or replace the business items or personal goods.
The protection period will be for a duration equivalent to the Australian warranty period, up to a maximum of one full year, and doesn’t apply if the Australian warranty exceeds 5 years.
Only covered breakdowns are eligible for Extended Warranty. A covered breakdown means the failure of business items or personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the Australian warranty.
You must take all reasonable care to protect and maintain the business items or personal goods protected under this cover.
You must obtain approval from us prior to proceeding with any repairs or replacement of the business items or personal goods, which have broken down, or are defective. You must also retain the business items or personal goods or parts for our inspection.
An excess of $100 applies.

We will not pay more than:

the actual Australian dollar purchase price of the business items or personal goods charged to the eligible credit card account.
the market value of the business items or personal goods purchased through the redemption of Commonwealth Yello points, and
up to a maximum in any 12-month period of $6,000.

Transit accident

Transit Accident is only available to Qantas Business Rewards, Business Gold and Business Platinum cardholders. To be eligible for this protection, you must pay for the entire payment for the trip on your eligible credit card account prior to the start of the trip. Only international trips are eligible for this protection.

Transit accident provides certain accidental death and injury cover for cardholders, including virtual cardholders, who sustain an injury or die as a result of an accident on a trip while riding as a paying passenger on a licensed plane, tourist bus, train, hired vehicle, ferry or other licensed transport as outlined in this cover during an international trip.

This protection also extends to the cardholder’s family, provided they are travelling with the cardholder and, before the trip, the payment for their trip was also charged in full to the cardholder’s eligible credit card account.

We will pay you if:

The injury is sustained on a trip while you’re riding as a paying passenger in (not as a pilot, driver or crew member) or boarding or alighting (when you physically get on or off) the hire vehicle, licensed plane, tourist bus, train, taxi or ferry authorised pursuant to any statute, regulation, by law or the equivalent thereof for the transportation of passengers for hire or other licensed transport as outlined in this cover. You’re also protected if such an accident means you’re unavoidably exposed to the elements and suffer an injury as a result.
The injury is sustained while you’re riding as a paying passenger in a licensed taxi, bus or hire vehicle, provided you’re travelling directly to or from an airport, bus depot, railway station or dock, immediately preceding or following the scheduled trip. You’re also protected if such an accident means you’re unavoidably exposed to the elements and suffer an injury as a result.
If the body of a cardholder/user or accompanied family member hasn’t been found within one year of the date of their disappearance arising out of an accident, it will be presumed that they died as a result of injury caused by the accident at the time of their disappearance. In the event of your death, the benefit will be paid to the cardholder, your spouse or legal representative. In the event of an injury or death of an accompanied child, we will pay the cardholder. When an accident results in any of the following injuries, within one year after the date of the accident, we will pay the benefit amount shown according to the injury. If you sustain more than one injury resulting from one accident, the amount for the greater injury will be paid.

We will pay according to the following schedule of benefits:

Injury

Benefit Amount ($AUD)

Loss of life

$250,000

Loss of both hands or both feet

$250,000

Loss of one hand and one foot

$250,000

Loss of the entire sight of both eyes

$250,000

Loss of the entire sight of one eye and one hand and one foot

$250,000

Loss of one hand or one foot

$125,000

Loss of the entire sight of one eye

$125,000

The most we will pay for all claims resulting from one incident is $2,500,000, regardless of the number of people who are involved in the incident. If multiple cardholders, including virtual cardholders, suffer an injury, we will pay each on a proportional basis. For example, if twelve cardholders were involved in a bus crash and lost their lives, we would pay $208,333 to each of their legal representatives.

Unauthorised transactions

Unauthorised transactions insurance is only available to Qantas Business Rewards, Business Gold and Business Platinum cardholders, subject to the conditions below.

This protects accountholders against unauthorised transactions made by their Qantas Business Rewards cardholders and Procurement Management Account users.

The most we will pay for claims is limited in any 12-month period to $20,000 per cardholder, up to a maximum of $150,000 per accountholder.

Terms and conditions for Unauthorised transactions

The accountholder instructs its cardholders and/or users in writing of the limits of their authority in using their Commonwealth Bank card(s).
When:
1. You no longer wish a cardholder to use their card,
2. the cardholder’s employment is terminated, or
3. you become aware that unauthorised transaction(s) have occurred or are likely to occur; you must immediately:
  1. obtain the Qantas Business Rewards card from the cardholder if possible, and cut it in half, and/or
  2. direct the Commonwealth Bank to cancel the cardholder’s Qantas Business Rewards card. This direction is preferably to be made by phone but, if phone contact cannot be made, the direction can be given by fax, email or by any other electronic advice, which may be approved by the Commonwealth Bank.
  3. If you are unable to recover the cardholder’s CommBank card the ‘Notification of unauthorised transaction’ form must be accompanied by a copy of the letter sent to the cardholder advising that the cardholder is no longer authorised to use the Qantas Business Rewards Card.
When (in regard to the Procurement Management Account) you become aware that unauthorised transaction(s) have occurred or are likely to occur, you must immediately direct the Commonwealth Bank to cancel your Card Identification Code and issue you with a new code. This direction is preferably to be made by phone but, if phone contact cannot be made, the direction can be given by fax, email or by any other electronic advice, which may be approved by the Commonwealth Bank in the future.
You will:
1. take all reasonable steps to recover from the cardholder or user all unauthorised transaction amounts transacted by the cardholder or user,
2. utilise, where legally possible, any monies held for, or on behalf of, the cardholder or user so as to avoid or reduce any loss through unauthorised transaction(s), and/or
3. lodge a disputed transaction claim with the Commonwealth Bank where the unauthorised transaction relates to a Procurement Management Account.
When you become aware of any unauthorised transaction that is subject to a claim under this policy, you must report the matter to the police.
In the event of a claim you must give us all necessary information and assistance we may reasonably require to institute proceedings against other parties for the purpose of enforcing any rights or remedies to which we will or would become entitled or subrogated upon us making payment for or making good any loss or damage under this policy.
We won’t be liable under this policy for:
1. any unauthorised transaction(s) that take place as a result of you failing to report the matter to the Commonwealth Bank after you become aware, or should have become aware, of any unauthorised transaction(s) having occurred or being likely to occur,
2. claims arising from an act of terrorism,
3. any indirect losses or consequential liability of any kind other than unauthorised transaction amounts as defined in this policy, or
4. any unauthorised transaction(s) incurred by a Director, Partner, Principal or Owner of the accountholder or any family members of the said Directors, Partners, Principal or Owners,
5. any loss, damage or legal liability arising from unauthorised transaction(s) that take place as a result directly or indirectly from planned or actual travel in, to, or through sanctioned states including Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine.

General conditions

These conditions apply to all sections of this protection.

If you cut your trip short, we will pay for your unused days. We first deduct anything you can recover from airlines, booking agents or travel suppliers.
We may ask for a medical certificate during the claims process. Any associated costs aren't covered unless a follow-up independent examination is requested, for which we will reimburse you.
Don't make any payment, admit liability, offer or promise to make any payment without written consent from us. Otherwise, we will reimburse only what we would have approved had you contacted us first.
We will decide how to settle or defend a claim and may carry out proceedings in the name of any person covered by this Overseas Travel and Other Protection Policy. This includes proceedings to recover any claim payments.
We can take over the handling or settlement of any claim. We may also take legal proceedings in your name against another party. Any money we recover will first be used to reimburse you for any part of your loss that wasn’t covered by this protection. We will retain any remaining amount up to the value of our claim payment.
We may at any time pay the full limit shown on your certificate, after which no further payments will be made.
Please provide us with all information we request to help us recover or pursue a contribution from a third party.
We and you don’t intend any term of this contract to be enforceable by any third party.
Protection isn’t provided for existing medical conditions, except those automatically accepted or covered under an Upgrade.
We won’t pay any benefit if doing so would contravene the Health Insurance Act 1973, the Private Health Insurance Act 2007 or the National Health Act 1953.
Travel to Norfolk Island, Christmas Island, Lord Howe Island or Cocos Island counts as overseas travel for this protection. However, medical transfers, evacuations, and hospital costs aren’t covered for these destinations.
Automatically included activities:
Ballooning
Bungy Jumping
Flying Fox
Horse Riding
Jet Boating
Jet Skiing
Kayaking
Parasailing
Riding a motorcycle or motorscooter up to 50cc
Scuba diving to a depth of 30 metres
Snorkelling
Snow skiing/boarding on-piste
White Water Rafting

No cover applies if racing or participating in a professional capacity.

General exclusions

These exclusions apply to all sections of this protection.

You're not covered…

If you're not an Australian resident with an eligible Commonwealth Bank credit card.
For any pre-existing medical condition that isn’t automatically accepted or covered under an Upgrade.
For any excess shown on your certificate.
For any claim where you’ve failed to take medication as prescribed by your medical practitioner.
For any non-emergency treatment or surgery not directly related to the illness or injury which caused your hospitalisation. This includes exploratory tests.
For any claim caused by sexually transmitted infections.
For injuries or death caused by suicide or attempted suicide.
For your failure to take reasonable care for your own safety and property. For example, jumping from vehicles, balconies or buildings, or any other unnecessary risk-taking (unless protecting your own life or someone else's).
For any claim arising or resulting from your involvement in any malicious, reckless, illegal or criminal act. This includes failure to comply with the laws of the country in which you're travelling.
For any claim resulting from air travel within 24 hours of scuba diving.
For claims involving air travel unless you’re a passenger on a fully licensed passenger-carrying aircraft operated by an airline or charter company.
For motorcycle injuries if you don't have the appropriate licence or are driving on unsealed public roads. This includes e-scooters and e-bikes.
For any claims related to winter sports unless you’ve bought the Snow Extras Upgrade.
For any claim on or resulting from a cruise vacation or activity unless you’ve bought the Cruise extras Upgrade.
For the financial failure of any travel agent or supplier forming part of your claim.
For any other costs not specifically covered in the Overseas Travel and Other Protection Policy. For example, loss of earnings due to being unable to return to work following injury or illness occurring while on a trip (other than the ‘Loss of Income’ benefit).
For any payment you would normally have made during your travels.
For any claim arising from travel to a destination where the Australian Department of Foreign Affairs and Trade (DFAT) or any other government or official body has issued a travel advisory, where that advisory is rated 'Reconsider your need to travel' or 'Do not travel' (or equivalent), or recommends against all non-essential travel or specific transport arrangements or activities. For current DFAT advice, visit smartraveller.gov.au.
For any claim arising from you not being allowed to board a flight, train, sea vessel, coach or bus for any reason.
For any claim arising from your failure to get the required passport or visa.
For any claim arising from:
war or terrorism, whether formally declared or not;
invasion, civil war, rebellion, revolution or uprising;
blockades or military action;
Biological or chemical materials used to hurt people or destroy property or cause fear;
nuclear or radioactive risks. This exclusion won't apply to the Emergency Medical Expenses section provided you haven't participated in or conspired in such activities.
For any claim if you're listed on an official government or police database of suspected terrorists, drug traffickers or illegal weapons suppliers.
For drug or alcohol misuse, abuse or dependency. We define alcohol misuse as a blood alcohol concentration level above 0.19%.
For claims arising from, or prohibited under, any government intervention, prohibition, sanction, regulation or restriction or court order.
For any claim related to substance or drug abuse. This includes over the counter and prescription drugs.
For any claim related to taking any non-prescription drug or substance. This includes marijuana, ecstasy or heroin etc.
For delays caused by adverse weather, riot, civil commotion, strike or industrial action, if the disruption started or was announced before your Overseas Travel Policy began or before you bought your tickets.
For participation in adventure activities that require the Adventure Plus Upgrade unless you’ve bought the Adventure Plus Upgrade.
For use of motorcycles or motorscooters with an engine capacity between 51cc and 250cc inclusive, or quadbikes of any engine capacity, unless you’ve bought the Motorcycle/Motorscooter/Quadbike Plus Upgrade.
For use of motorcycles or motorscooters with an engine capacity greater than 250cc, for any purpose. This exclusion applies even if you’ve bought the Motorcycle/Motorscooter/Quadbike Plus Upgrade.
For claims involving air-supported devices unless parasailing or hot air ballooning.
For claims from not wearing appropriate protective clothing and head protection for sport or activity.
For any loss or damage to your belongings caused by detention, confiscation or destruction by customs, border control, or any other government official or authority.
For any expenses that you're entitled to recover under workers' compensation laws, transport accident laws, or any government-sponsored fund, plan, medical benefit scheme, or similar legislation.
For any claim arising from the conduct of a person you’ve permitted to enter your accommodation, or a person whose accommodation you’ve chosen to enter.
For any cancellation or interruption caused by government-mandated border closures or travel bans due to epidemics or pandemics. This doesn’t include claims directly arising from your personal illness.
For claims if you or your travel companion take part in:
hunting or using hunting equipment or projectiles (e.g. shooting and archery)
mountaineering (involving the use of climbing equipment, ropes or guides)
outdoor rock climbing (involving the use of climbing equipment, ropes or guides)
trekking that reaches an altitude of more than 6,000 metres above sea level
sports activities in a professional capacity
abseiling
parachuting
skydiving
hang gliding
BASE jumping
wingsuiting
potholing
canyoning
caving
fire walking
motocross
running with the bulls
rodeo riding
polo playing
tobogganing
snowmobiling
scuba diving or underwater activities that involve using artificial breathing equipment (unless the maximum depth is no greater than 30 metres, and you or your travel companion have an open water diving licence and are diving with another person, or are diving with a qualified and registered diving instructor).

You’re not covered for these activities if you buy the Adventure plus Upgrade.

Misrepresentation, non-disclosure or fraudulent claims

You must take reasonable care not to give us false or misleading information when you activate your cover, apply for an Upgrade or make a claim. Where you have provided false or misleading information, we may reduce the amount of any claim payable to the extent we are prejudiced by that information. Where misrepresentation or non-disclosure is fraudulent, we may refuse to pay the claim or void this policy. We may refer matters of fraud to relevant authorities and retain any premium paid.

We may also inform the Commonwealth Bank of the situation and you may no longer be eligible for any (or all) of the benefits in this PDS or your credit card facility.

Making a claim

Activate your trip in the Commbank app or Netbank before making a claim for your trip.

Medical emergencies

Please contact us as soon as possible if you're admitted to hospital or as soon as you know you require emergency medical assistance. We may be able to cover your expenses directly with the hospital.

XCover Assist is here to help 24/7 if you're suffering from an acute illness or injury and need urgent medical attention. A contact number will show after you activate your protection.

For everything else

To start your claim:

Login to the Commbank app or Netbank.
Navigate to your activated trip.
Select “Start a new claim”.
Upload your documents.

For all claims we require, as a minimum, a detailed description of the event. We may request documents during the claim process such as booking invoices and receipts. If required documents aren't provided to us the claim may be rejected or the status changed to “Pending”.

For a step-by-step guide, visit our Help Centre.

Cancellation and refunds

Cancellation by you

You can only cancel Upgrades to your protection.

If you cancel your Upgrades within 21 days of purchase, you’ll be given a full refund of the premium you paid, if you haven’t started your trip or you haven’t made a claim.

You’re not entitled to a refund if you have started your trip, you want to make a claim, or exercise any other right under your protection.

Cancellation by us

We may cancel this policy on the grounds permitted by s.60 of the Insurance Contracts Act 1984 (Cth), including where you have failed to comply with the duty of utmost good faith, failed to comply with a provision of this policy (including payment of premium), made a fraudulent claim, or failed to notify us of a change in risk. You'll receive written notification and a refund where applicable.

Definitions

The following keywords or phrases have the same meaning wherever they appear in this protection, unless explicitly stated otherwise. Throughout this policy wording, these keywords or phrases will display a tooltip to highlight the definition when hovered over and/or will be underlined.

Accident

an unexpected sudden event caused by something external that results in an injury or death.

Accountholder

Commonwealth Bank customer, being a business entity, corporation or person, who has a Commonwealth Bank Business or Corporate Card with the Commonwealth Bank. In relation to a Procurement Management Account (PMA) and corporate Virtual Cards, the Accountholder is the person or company that holds the underlying account to which the cards are linked.

Act of terrorism

an act that can involve the planned use of force or violence and/or the threat of any person or group of persons. This includes whether they’re acting alone or on behalf of, or in connection with, any organisation, or government, committed for political, religious, ideological or similar purposes. For example, the intention to influence any government and/or the public, or to put any section of the public in fear.

Adverse weather

potentially harmful weather conditions that present an increased risk to safety and health.

Australian resident

someone who is an Australian citizen or permanent resident with a valid Medicare card or holds a valid visa allowing you to live, work, study for at least 2 years.

Booking invoice

the documents provided to you by our partner detailing your flight itinerary and payment receipt. This includes departure dates, airline and passenger information.

Business items

new business property acquired for your business use, except items with an original purchase price over $3,000. Protection applies to eligible Business Gold, Business Platinum and Qantas Business Rewards cardholders.

Cardholder

a person residing in Australia or a company with an Australian ABN who has been issued an eligible Commonwealth Bank credit card. This includes virtual cardholders for specific corporate credit cards. Each cardholder must independently meet the spend and activation requirements to be eligible for protection. If a cardholder’s family is travelling together, only one person can claim the benefits payable to the cardholder. The others can only claim as a family.

Certificate

the document giving details of the coverage dates, applicable benefits, limits and excess, the premium, and the reference number.

Children/Child

an unmarried person who is dependent on you or your partner, and falls into one of the following categories:

under 18 on the activation date; or
aged 19 to 21, enrolled full-time at an accredited educational institution in Australia, and financially dependent on you for their maintenance and support; or
of any age, and physically or mentally unable to support themselves.

This includes step-children, fostered or adopted children, and grandchildren who are dependent on you, your partner, or a parent.

Close relatives

a person who is the cardholder’s spouse; parent, parent-in-law, stepparent, guardian; grandparent; child, foster child, grandchild; brother, brother-in-law, half-brother, stepbrother, sister, sister-in-law, half-sister, stepsister; daughter, daughter-in-law, stepdaughter, son, son-in-law, stepson; fiancé, fiancée; uncle, aunt; or niece, nephew.

Concealed storage compartment

a boot, glove box, enclosed centre console, or concealed cargo area of a motor vehicle.

Complications of pregnancy or childbirth

a medical practitioner must certify the complication. Covered complications include:

toxaemia
gestational hypertension
pre-eclampsia
ectopic pregnancy
molar pregnancy
hyperemesis gravidarum
antepartum haemorrhage
placental abruption
placenta praevia
post-partum haemorrhage
retained placenta membrane
miscarriage
stillbirths
medically necessary emergency Caesarean sections/medically necessary termination
any premature births or threatened early labour more than 8 weeks (or 16 weeks in the case of a multiple pregnancy) before the expected delivery date.

Cruise vacation

a trip during which you spend a prolonged period of time on a ship or boat.

Cyber act

an unauthorised, malicious or criminal act involving a computer system, including any threat or hoax of such an act.

Cyber incident

any cyber act, or any related error or omission, that causes the partial or total unavailability of a computer system.

Documents

passport, visa and driving licence.

Domestic cruise

a trip on a foreign-registered cruise ship departing from a port in Australia and calling only at other Australian ports, with no stopover at any port outside Australia.

Eligible Commonwealth Bank credit card

a current and valid:

Retail Card:

Diamond Awards;
Gold Awards;
Platinum Awards;
Smart Awards; and
Ultimate Awards.

Business Card:

Business Gold Awards; and
Business Platinum Awards.

Corporate Card:

Qantas Business Rewards.

A card or account that’s cancelled or suspended isn’t current and valid.

Excess

the first amount of a claim that we will not pay for. The excess applies once per person for each event. If a single incident gives rise to multiple claims for the same person, the excess is deducted once for that person. The excess amount will be shown on your certificate.

Family

partner of the cardholder who is permanently living with the cardholder at the time the trip starts or the time the interstate travel starts, and/or accompanied children.

Group Policy

a contract of insurance between the insurer and Commonwealth Bank.

Home

your normal place of residence.

Home country

the country in which you’re resident.

Hospital

a licensed medical institution that is run by medical practitioners, provides care supervised by registered nurses, and has facilities for diagnosing and treating injured or sick people. Specialist institutions such as rehabilitation centres, convalescent homes, and rest homes don’t qualify.

Hospitalised

refers to in-patient treatment received in a hospital where an overnight stay is medically necessary.

Illness/Ill

a sickness or disease that first becomes apparent during your protection period and requires immediate treatment from a medical practitioner.

Injury

bodily injury sustained in an accident directly and independently of all other causes.

Insolvency or insolvent

means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator entry into a scheme of arrangement, statutory protection, presentation of a petition for the compulsory winding up of stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.

Insurer

Allied World Assurance Company, Ltd. (Australia Branch) ABN 54 163 304 907 AFSL No. 548668.

Items

includes your clothing and personal belongings, including all suitcases, and luggage etc.

Medical practitioner

a doctor, psychiatrist, clinical psychologist or a dentist, who isn’t you, your travel companion or a close relative, or an employee of you, your travel companion or a close relative, registered with and accredited by the Australian Health Practitioner Regulation Agency (AHPRA). Or, if you’re overseas, an equivalent regulatory body in the country in which they’re currently practising and qualified to give the diagnosis being provided.

Medical treatment

any care, service or procedure provided by a registered medical practitioner, nurse, hospital or other registered health professional for diagnosing, treating, relieving or managing an injury, illness or medical condition. Medical treatment doesn’t include routine or elective care that could reasonably have been postponed until after your trip, unless it is required as a result of a covered event during your trip.

Natural catastrophe

volcanic activity, volcanic ash, earthquake, tsunami, hurricane, cyclone, flooding of more than 50 square kilometres, wildfire of more than 50 square kilometres.

Normal pregnancy or childbirth

pregnancy or childbirth without any complications of pregnancy or childbirth.

Overseas Travel Policy

this PDS and the policy described on the cardholder’s current certificate.

Personal electronics

includes mobile phones, tablets, smartwatches, wearable activity trackers, and laptops.

Personal goods

new personal property acquired for personal, domestic or household use and valuables (except to the extent otherwise specified as being excluded), but does not include:

items purchased by instalment (e.g. mobile phones) prior to the final payment being made
furniture, furnishings or household appliances
items with an original purchase price over $20,000
items acquired for the purpose of re-supply/re-sale
items acquired to undergo transformation in a business
computer software, or information stored on any electronic device or other media, including digital photos, downloaded files, electronic applications, programmed data or non-tangible items
bullion, cash, collections such as stamps, coins and cards, lottery tickets or other gambling-related items, negotiable instruments, securities, manuscripts or books of account, trading cards, tickets of any description or travellers cheques
consumable or perishable items (including but not limited to drugs, food, fuel or oil), animals or plant material
airplanes, automobiles, boats, motorboats or any other motorised vehicles and their integral parts and installed accessories
second-hand items, including antiques
items of contraband, and
real estate and movable fixtures or fittings (including but not limited to dishwashers and fixed air conditioners) that form, or are intended to form, part of any home, office or real estate.

Pre-existing medical conditions

any disease, illness or injury (whether diagnosed or undiagnosed) that existed at or before the activation date. These are subject to the pre-existing medical conditions, including conditions that may be automatically covered, listed in this Overseas Travel Policy and the special conditions outlined for each. No cover applies for any other pre-existing medical condition.

Professional capacity

participating in an activity for financial reward, remuneration or as part of your occupation or employment.

Protection period

the time when you’re protected. It starts:

For the Overseas Travel Policy:
- For the ‘Cancellation’ benefit – from the issue date shown on the certificate provided the cardholder fully completed the eligibility requirements and any applicable Upgrades.
- For all other benefits – the start date on the certificate provided the cardholder fully completed the eligibility requirements.
For Upgrades, at the start date on the certificate provided the cardholder fully completed the eligibility requirements.

It ends at the earliest of the following times:

At the end of the trip.
When we determine that you should return to Australia for treatment.

Public place

any place the public has access to, including but not limited to airports, bus terminals, buses, cruise ships, planes, stations, taxis, trains, wharves and beaches, galleries, hostels, hotels, hotel foyers and grounds, museums, private car parks, public toilets, shops, streets, restaurants and general access areas.

Public transport carrier

a licensed vehicle or vessel that carries passengers or baggage for hire. This includes aircraft, buses, coaches, ferries, ships, trains and trams.

Reciprocal health agreements

entitle residents of each country to medical treatment either free of charge or at a reduced cost.

Rental vehicle

a campervan/motorhome that doesn’t exceed 6 tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe, convertible, four-wheel drive or mini bus rented from a licensed rental company or agency.

Strike or Industrial action

any form of Industrial action taken by workers, which is carried on with the intention of preventing, restricting, or otherwise interfering with the production of goods or the provision of services.

Ticket holder

each person travelling on a trip whose name appears in the certificate.

Travel companion

any person you’re travelling with who isn’t named on your certificate.

Trip

your trip starts on whichever is later: the day you leave home, or the departure date on your certificate. It ends on the earlier of the date you return to your home or usual place of residence, the return date shown on your certificate, or the date your Overseas Travel Policy ends or is cancelled. Your trip must be pre-booked and undertaken for business or personal purposes.

Unattended

not on your person, or not within your sight and reach.

Usual, reasonable and customary

the most common charge for equivalent services, medicines or supplies in the area where the charge is incurred. When determining whether a charge meets this standard, we may consider any of the following:

The skill, training and experience required to perform the procedure or service
The time required, compared to similar services
The severity or nature of the illness or injury being treated
What the same or comparable services, medicines or supplies cost locally
What the same or comparable services, medicines or supplies cost elsewhere in the country
The provider's cost of delivering the service, medicine or supply
Any other factors we reasonably determine to be relevant.

Valuables

doesn’t include cash, but does include:

watches
jewellery
items made of or containing precious stones
semi-precious stones
gold, silver or platinum
photographic, audio, video and electrical equipment of any kind
camcorders and accessories
all photographic/digital/optical/audio/video media, iPods, MP3/4 players or similar and/or accessories
televisions
Ebook readers
telescopes
binoculars
furs
leather goods
silks
spectacles
prescription sunglasses
perfumes
any kind of key(s).

Winter sports

any activity that involves or is designed to involve snowy surfaces, regardless of whether the activity is indoors or outdoors. This may include activities such as skiing (on or off piste), snowboarding, glacier walking, sledging, sledding, skeleton and tobogganing, snow sport acrobatics or stunts, snowmobiling or snow shoe walking.

We/Us/Our

XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFSL 490058), acting under a binding authority of the insurer.

You/Your/Yours

either the cardholder or the cardholder’s family if they are eligible for cover.

Important information

Policy issuer

This document is a Product Disclosure Statement (PDS) for our Overseas Travel and Other Protection policy.

This PDS was prepared on 28 September 2026 and is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907 AFSL No. 548668.

The PDS has been prepared to assist you in understanding the key features of the insurance policy and making an informed choice about your insurance requirements. This PDS sets out the significant features of the insurance policy including its benefits, risks and information about how the insurance premium will be calculated. You should read it carefully. This PDS also provides full details of the terms, conditions and limitations of the insurance cover.

Any advice contained in this PDS is provided by Cover Genius and is general advice only. This means it has been prepared without taking into account your individual objectives, financial situation, or needs.

Before acting on this advice, you should consider whether it is appropriate for you, having regard to your personal circumstances, objectives, financial situation and needs. You should also review the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide whether this product is right for you.

This PDS is provided by Cover Genius Pty Ltd (ABN 43 159 983 598) in its capacity as an AFS Licensee, No 490058. The Overseas Travel and Other Protection policy is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907 AFSL No. 548668. Cover Genius acts in its capacity as an agent of the insurer and not the ticket holder.

Commonwealth Bank has arranged for Cover Genius to make Overseas Travel Protection and Other Protection available to its customers. Commonwealth Bank is not the insurer of the insurance referred to in this document. Commonwealth Bank and any of its related corporations do not guarantee and are not liable to pay any of the benefits under the policies.

About the Group Policy

The Group Policy is a contract of insurance between Allied World Assurance Company, Ltd (Australia Branch) (we/us/our) and Commonwealth Bank (the insured entity). As a Commonwealth Bank cardholder, you receive access to benefits under the Group Policy by operation of section 48 of the Insurance Contracts Act 1984. You’re not a party to the Group Policy itself.

Because you’re not the contracting insured:

you can’t vary or cancel the Group Policy;
we and Commonwealth Bank can cancel or vary the Group Policy without your consent;
we send notices and correspondence only to Commonwealth Bank, not to you directly.

If you make a claim, you have the same obligations to us as Commonwealth Bank does under the Insurance Contracts Act 1984, and we have the same rights in relation to you as we have in relation to Commonwealth Bank.

Neither we nor Commonwealth Bank hold anything on trust for you under the Group Policy. Commonwealth Bank doesn’t act as our agent or as your agent in relation to this insurance.

You’re not obliged to use any of the cover available under the Group Policy. You may wish to consider whether the benefits suit your needs. We recommend speaking with a licensed financial adviser. Neither we, Cover Genius, nor Commonwealth Bank provide personal advice on whether this insurance is appropriate for you. Nothing in this policy prevents you from taking out additional insurance.

Termination or variation of the Group Policy

Commonwealth Bank may terminate or vary the Group Policy at any time. If this occurs, Commonwealth Bank will notify you by:

sending you written notice of the material variation or termination, or
advising you that a material variation or termination will take effect.

Commonwealth Bank will direct you to the relevant page at xcover.com or commbank.com.au for full details of any changes. You can also call Commonwealth Bank to request that a copy of the changes be sent to you by post or email. Commonwealth Bank will not provide the accountholder with a copy of the actual changes made to the cover.

Any eligible purchases or bookings made before the Group Policy is varied or terminated will continue to be covered under the existing terms.

Purchases or bookings made after the variation or termination date won’t be covered under the previous terms.

Target Market Determination

A target market determination for this product can be obtained here.

Dual cover

If there’s another insurance or service that covers your loss, damage, expenses, or liability. For example, a reciprocal health agreement, hospital scheme, government program, public transport carrier, travel agent or any other provider of transportation and/or accommodation. In this scenario, we won’t pay more than our proportional share.

Geographical and trip limits

Single and one-way trips: Cover will be provided for claims occurring only within the destination country shown on your certificate. The maximum trip duration for your protection depends on your card type: up to 3 months for Gold, Platinum and Qantas Business Rewards cardholders, and up to 12 months for Diamond, Smart and Ultimate cardholders. Your certificate will confirm the maximum duration applicable to your card.

Claims currency

All claims will be paid in Australian dollars. If you paid in a different currency, the exchange rate from the time you paid will be used to calculate the amount owed. We will pay you unless you tell us to pay someone else. If you die, we will pay your estate. You’ll be paid by direct credit to an Australian bank account of your choice unless we agree to pay you elsewhere.

Sanctions

We won't provide protection or pay any claim if doing so would breach international sanctions. This includes sanctions imposed by the United Nations, European Union, United Kingdom, United States, or any other jurisdiction where we operate.

Governing law and jurisdiction

This policy will be governed and construed and resolved within the jurisdiction of the courts in accordance with the law of New South Wales, Australia.

Third-party rights

Except where otherwise required by law, you and we have agreed that:

it isn’t intended for any third party to this contract to have the right to enforce the terms of this contract.
you and we can rescind or vary the terms of this contract without the consent of any third party to this contract, who might seek to assert that they have rights under this policy.

Data protection

We’re committed to protecting your personal information and we’re committed to the principles of data security in the configuration of our services. Our Privacy Policy explains what data we collect, how we use it, and how to request a copy or withdraw your consent.

You can access the administrator’s privacy policy at https://www.xcover.com/privacy-policy.

By applying for, using or renewing any of our products or services, or providing us with your information, you agree to this information being collected, held, used and disclosed as set out in this plan. We may monitor and record phone calls to help maintain our quality standards and for security purposes.

Complaints

You can contact the friendly XCover Complaints Team at any time. Include your reference number (ending with "INS") for a formal review of your complaint. We will respond within 5 days. Click the button to send us an email.

File a complaint

You can also email us at complaints@xcover.com or visit xcover.com/contact.

If you’re dissatisfied with our response, please reply to our email and we will refer the matter to our Internal Resolution team. Our Internal Resolution team will assess your request and provide you with a final decision within 15 business days.

If the issue remains unresolved following the Internal Resolution process, you may discuss the matter further with the Australian Financial Complaints Authority (www.afca.org.au). AFCA is a free resolution service. Cover Genius is a member of this scheme. Contact AFCA via post (GPO Box 3, Melbourne, Victoria 3001), email (info@afca.org.au) or phone (1800 931 678) and they’ll indicate whether they can assist you with your complaint.

How to contact us

Claims: commbank.com.au/cbatravelclaims.

24-hour emergency assistance: Contact details on your certificate.

Postal address: Card Insurances, PO Box 2027, North Sydney NSW 2059.

Cancelling Upgrades to your Overseas Travel Policy

You may cancel your Upgrades to your Overseas Travel Policy at any time by notifying us in writing. You have a 21-day cooling-off period from the date your certificate is issued to cancel for a full refund, provided you haven’t started your trip.

We may cancel this policy where we're entitled to by law — for example, for non-payment of premium, misrepresentation or fraud. We will provide written notice of any cancellation by us.

Financial Services Guide

This Financial Services Guide (FSG) is an important document and is designed to help you decide whether to use the financial services offered. The FSG also contains information about:

How Cover Genius Pty Ltd (ABN 43 159 983 598, AFSL 490058) administers and arranges this policy;
How these parties are paid for providing the financial services offered.

What financial services are provided?

The insurer is Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907 AFSL No. 548668. Cover Genius, trading as XCover.com, acts under a binder authority from the insurer. Cover Genius acts for Allied World Assurance Company, Ltd. and doesn’t act on your behalf.

Cover Genius holds an Australian Financial Services Licence, and is authorised to arrange for the issue of general insurance products, to provide general advice on general insurance policies, and to administer claims handling.

We don’t act on your behalf when providing these services. Our Australian Financial Services Licence doesn’t authorise us to provide personal advice to anyone. Any advice we give won’t take into account your personal objectives, financial situation or needs. You need to determine whether the product meets your insurance needs.

Remuneration

Cover Genius is paid a commission by Allied World Assurance Company, Ltd when you buy this policy. This commission is included in the premium that you pay and is received after you’ve paid the premium. This commission is a percentage of the premium. Cover Genius employees are paid an annual salary and may be paid a bonus based on business performance. Our Product Distributors receive commissions from us that are a percentage of the premium.

Limits of cover

Our liability is limited to the amounts shown in your certificate and any limits shown in the PDS.

Cost of this policy

This policy is available at no extra cost to eligible cardholders who complete the activation steps. Upgrades require an additional premium. The total cost of any Upgrade is shown on your certificate and includes your premium plus applicable government taxes such as GST, Stamp Duty and Emergency Service Levies.

GST

If you're entitled to an input tax credit for the premium, you must inform us of the extent of that entitlement before the time you claim under this policy. The amount we're liable to pay will be reduced by the amount of any input tax credit you are or may be entitled to claim.

Compliance statement

Unless otherwise agreed by us in writing the law applicable will be Australian Law.

In the unlikely event that we are not able to meet our obligations under your policy, you may be entitled to access the Financial Claims Scheme (FCS), provided you meet the eligibility criteria. APRA is responsible for the administration of the FCS. The FCS only applies in the extremely unlikely event of an insurer becoming insolvent and the Federal Treasurer making a declaration that the FCS will apply to that insurer. It is also subject to eligibility criteria. The FCS entitles certain persons, who have valid claims connected with certain protected policies issued by that insurer to be paid certain amounts by APRA. Further information about the scheme can be obtained from the APRA website at www.apra.gov.au or on the APRA hotline on 1300 558 849.

Your protection consists of this policy wording and the certificate that’s created at the time of purchase and issued to you. The certificate may refer to other products that are covered by other policies.

Complaints

If you have a complaint, please follow the Complaints procedure contained in the Product Disclosure Statement.

Who is responsible for this document?

Cover Genius is responsible for the content of this FSG, and is the providing entity.

This FSG was prepared on 28 September 2026.

CBA-NAC-Master-v1-September-2026

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Source: https://www.youtube.com/watch?v=WqGaPJvBWrM

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