Terms of Service

Last updated: 21 May 2026 · Version 3.1 · Effective from launch

By creating an account, broadcasting as a Carrier, accepting payment, or otherwise using WearMoney, you agree to these terms. WearMoney is operated from Brisbane, Queensland and governed by Queensland law.

1. The platform in one sentence

Hunters scan Carriers in the street, claim vouchers, walk in and redeem them with merchants. Carriers earn a cut for each scan / claim / redeem. Merchants pay per result delivered. WearMoney is the platform that connects all three.

2. Accounts

• You must be 18 or over to be a Carrier. Hunter accounts under 18 require parental consent.
• One account per person. Multi-account abuse is grounds for termination.
• Keep your password confidential. You are responsible for activity under your account.
• Your public handle (e.g. @sam_brz) is visible to other users. Choose accordingly.

3. Vouchers and Australian Consumer Law

• Every voucher you claim is redeemable for at least 3 years from the date of claim, per Section 47A of the Australian Consumer Law.
• A separate, shorter "promotional bonus" expiry may apply (typically 7 days). When the promotional period ends, the voucher reverts to its face value — not the inflated promotional value. The full face value remains redeemable for 3 years.
• Vouchers can be redeemed only in person at the issuing merchant, at the location stated in the voucher.
• Vouchers are non-transferable. They are linked to your Hunter account and may only be redeemed by you.
• WearMoney does not refund vouchers in cash. Where the law requires a refund (for example, the merchant ceases trade before redemption), we will work with the merchant to provide an equivalent voucher or, if not possible, the face-value amount in AUD.

4. Hunter rules

• One Hunter account per person.
• No self-scanning. No collusion with a specific Carrier. Geographic and behavioural anti-collusion checks apply automatically — repeated patterns of scanning the same Carrier will be flagged.
• Hunters do not cash out. Voucher value is redeemed as goods or services with the merchant.
• Under-18 Hunter accounts have hold-balance restrictions and require parental consent.
• GPS spoofing, jailbroken-device location injection, or other forms of location fraud are grounds for immediate suspension.

5. Carrier rules

• Must be 18 or over and pass Stripe Connect KYC (identity verification) before requesting payout.
• You must wear the licensed WearMoney shirt while broadcasting in public. The QR code on the shirt is your identity.
• Sign-up: $188 entry fee = $39 T-shirt + $149 annual licence. The shirt is fulfilled by Printful and shipped to your declared address.
• Annual renewal: $188 per year (includes a new T-shirt). Renewal is automatic unless cancelled before the renewal date.
• 6-month minimum commitment. After paying the entry fee, you commit to remaining an active Carrier (defined as broadcasting at least 4 hours per week) for at least 6 months. Early termination does not entitle you to a refund of the licence fee.
• Earnings split: 80% per-card claim (Online broadcast) or 40% (Offline scans), and 80% on redeem. Per-card claim shares are released when a Hunter walks within 20 metres of the merchant. Per-unit amounts are subject to change with 30 days' notice — current rates are shown in your Carrier dashboard.
• Minimum payout threshold: $100 AUD. Payouts are processed by Stripe Connect, typically within 1–2 business days.
• Founding-Carrier privileges (first 100 sign-ups) are forfeited if you are terminated for collusion or fraud.
• You are responsible for your own tax obligations (ABN, GST where applicable). WearMoney does not withhold tax. We will provide a year-end statement of earnings on request.

6. Merchant rules

• Prepaid credit only. Purchase credit packs ($100 / $200 / $500 / $1000 / $2000) with bonus multipliers (1.00× to 1.30×) as published.
• Phase 0 first 3 months: scan + claim events are absorbed by WearMoney (introductory period). Per-unit charges resume per the schedule in your Merchant dashboard.
• Per-unit charges (current schedule):
  • Per-card exposure (irrevocable): $0.40 AUD
  • Per-card redeem release (refundable if not redeemed): $2.00 AUD
  • Walk-in repeat-visit scan (Paid merchants, no voucher): $1.00 AUD
• Walk-in scans are subject to a 24-hour cooldown per Hunter per merchant, and a maximum of 3 walk-in scans per Hunter per merchant per week.
• If your credit balance reaches zero, your voucher templates are automatically paused. Hunters cannot scan or claim against your store until you top up.
• You must honour every voucher claimed and presented at your store, subject to the voucher's stated terms.
• You can pause your voucher exposure at any time from the Merchant dashboard.
• Credit purchases are non-refundable except as required by Australian Consumer Law. Unused credit remains valid for 12 months from purchase.

7. Payments, payouts and credit packs

• All payments are processed by Stripe. WearMoney does not hold or process card data directly.
• Carrier payouts use Stripe Connect Standard. Funds are paid to the bank account you connect during Stripe onboarding.
• Merchant credit purchases use Stripe Checkout. Credit is applied to your balance after Stripe confirms payment success.
• Currency: all transactions in AUD. International cards may incur cross-border fees set by your card issuer (not by WearMoney).
• Refunds: governed by the Australian Consumer Law. Contact support@wear-money.com.

8. Gold rewards and loyalty programme

Gold is the in-app loyalty currency Hunters earn while playing. It exists solely for redemption in the in-app Catalog (postcards, pins, T-shirts and other limited-edition merchandise). It is not money and is not designed to function as money. Full earn rates and Catalog prices are published at wear-money.com/gold.html.

What Gold is — and what it is not

• Gold has no cash value. Gold cannot be exchanged for cash, transferred to another user, sold, gifted, or converted to any cash equivalent (store credit, gift cards, cryptocurrencies, or any other form of currency or financial instrument).
• Gold cannot be purchased. There is no in-app purchase, subscription, bundle, premium tier, or paid product anywhere in WearMoney that grants Gold. Gold is earned solely through gameplay activity (daily streaks, badge unlocks, walk-ins, suburb completion, etc.) at the public rates listed at wear-money.com/gold.html.
• Gold redemption is fully deterministic. Every Catalog item has a fixed Gold price (e.g. 25G = 1 postcard, 100G = 1 enamel pin, 500G = 1 T-shirt). You always know exactly what you receive before redeeming. WearMoney does not and will not offer any randomised reward mechanic — no mystery boxes, no loot boxes, no spin-to-win, no chance-based draws, no gacha mechanics anywhere in the app.
• Gold has no expiry while your account is active. Your Gold balance is preserved indefinitely so long as your Hunter account remains in good standing.
• Account closure forfeits Gold. If you close your account voluntarily, or if your account is terminated for breach of these terms, your unredeemed Gold balance is forfeited. Pending Catalog redemptions that have already been paid out will still be fulfilled.

Catalog fulfillment

• Catalog items are physical merchandise shipped to the Australian postal address you provide at redemption.
• Shipping is included in the Gold price during Phase 0 (Brisbane and Greater Brisbane addresses only). International shipping is not available.
• Typical fulfillment time: 7–10 business days from redemption confirmation.
• Lost or damaged shipments: contact support@wear-money.com within 14 days of the shipping confirmation email and we will issue a replacement or refund the Gold spent, at our discretion.

Legal classification

WearMoney's Gold programme is designed and operated as a digital loyalty reward programme, structurally identical in category to Air Miles, Qantas Frequent Flyer or Starbucks Rewards. It is not a gambling, wagering, or chance-based service. WearMoney does not offer any service caught by the Australian Interactive Gambling Act 2001 or by the gaming provisions of the Queensland Casino Control Act 1982. Gold is not a security, financial product, electronic money instrument, or stored-value facility under the Corporations Act 2001 or any other Commonwealth financial-services law.

9. Founding privilege terms

• The first 100 Carriers and first 50 merchants are designated "Founding" members.
• Founding Carrier privileges include: reduced renewal rate ($99/year for life), Founding badge on the app, priority access to new features.
• Founding Merchant privileges include: free voucher template setup, priority placement during Phase 0, Founding seal on the merchant page.
• Founding privileges are forfeited if the member is terminated for fraud, collusion, or repeated breach of these terms.
• Founding privileges are non-transferable.

10. Acceptable use

You must not use WearMoney to:

• Defraud, harass, or deceive other users
• Scrape, mirror, automate, or otherwise abuse the platform
• Spoof GPS, modify the app, or circumvent fraud-prevention checks
• Sell, transfer, or share your account credentials
• Attempt to acquire, sell, transfer or trade Gold outside the in-app Catalog
• Facilitate anything illegal under Queensland or Australian Federal law

We may suspend or terminate any account at our discretion if we believe these terms have been breached. In serious cases we may report activity to Queensland Police or other authorities.

11. Intellectual property

• WearMoney, the "WearMoney" name, the logo, all app art, the parchment design system, and the "🦐 Uncle Shrimp" mascot are owned by Doug Shum.
• You may not copy, modify, or distribute any of the above without written permission.
• Carrier shirts remain the property of the Carrier once shipped, but the QR code design embedded in the shirt remains licensed and may be revoked if the Carrier is terminated.
• Merchant logos, names, and store photos remain the property of the merchant. Merchants grant WearMoney a non-exclusive licence to display these inside the app and on voucher pages.

12. Disclaimers

WearMoney is provided on an "as is" and "as available" basis during the alpha and Phase 0 launch. We do not guarantee:

• Any specific level of earnings for Carriers
• Any specific level of foot traffic for merchants
• Voucher availability in any specific suburb or time window
• Uninterrupted service — we may pause the platform for maintenance with reasonable notice

The Phase 0 service is limited to Brisbane and Greater Brisbane suburbs.

13. Limitation of liability

To the extent permitted by Australian Consumer Law, our total liability to you for any claim arising under these terms is limited to the greater of:

• The fees you have paid us in the 12 months prior to the claim, or
• $100 AUD

Nothing in these terms excludes any non-excludable consumer guarantee under the ACL. Where a guarantee applies and we have failed to comply, our liability is limited to re-supplying the service or paying the cost of having the service re-supplied.

14. Termination

• You may close your account at any time. Email support@wear-money.com.
• Carriers: closing your account before the end of your 6-month commitment does not entitle you to a licence refund. Any balance below the $100 payout threshold may be forfeited.
• Merchants: unused credit is non-refundable but remains valid for 12 months from purchase if you reopen your account.
• Hunters: unredeemed Gold balance is forfeited on account closure. Vouchers in your Vault remain valid for their published expiry window (typically 3 years per ACL).
• We may terminate your account immediately for breach of these terms, fraud, or unlawful activity.
• Sections 12–15 survive termination.

15. Disputes and governing law

• These terms are governed by the laws of Queensland, Australia.
• You and we submit to the non-exclusive jurisdiction of the courts of Queensland.
• For disputes, contact us first at support@wear-money.com. We aim to resolve the matter within 30 days before either party pursues legal action.
• You may also lodge a complaint with the Queensland Office of Fair Trading.

16. Changes

We may update these terms from time to time. Material changes (e.g. price changes, payout split changes, scope expansion outside Brisbane, Gold earn-rate changes) take effect 14 days after we email you. Non-material changes (typo fixes, clearer wording) take effect immediately. Continued use of WearMoney after the effective date constitutes acceptance.

17. Contact

General support: support@wear-money.com
Privacy: privacy@wear-money.com
Postal: WearMoney, Brisbane, Queensland, Australia