Consumer Terms

2.1 Registration

To use the Services as a consumer, you must create an account by providing your full name, email address, and a PIN. You must be at least 16 years of age to create an account.

2.2 Account Security

You are responsible for maintaining the security of your account, including your PIN, biometric credentials, and any device on which the Tapara app is installed. You must not share your PIN or allow others to use your account. You are responsible for all activity that occurs under your account. If you suspect unauthorised access, contact us immediately at enquiries@tapara.co.nz.

2.3 One Account Per Person

You may hold only one consumer account on Tapara. Creating multiple accounts to circumvent payment limits, earn duplicate loyalty benefits, manipulate tier progression, or for any other purpose is prohibited and may result in suspension or termination of all associated accounts.

2.4 Accuracy of Information

You must ensure that all information you provide is accurate, current, and complete. You must update your information promptly if it changes.

3.1 Payment Authorisation

Each payment requires your explicit authorisation. For bank payments, you authorise each transfer individually through your bank’s authentication process. Tapara will never initiate a payment without your approval.

3.2 Payment Responsibility

You are responsible for ensuring that:

• You have sufficient funds in your bank account before authorising a payment.
• The payment amount is correct before you authorise it.
• You are the authorised holder of the bank account used.

You may not be able to recover payments made in error. If you authorise a payment to the wrong merchant or for the wrong amount, you must resolve this directly with the merchant.

3.3 Bank Pre-selection

You may pre-select your bank in the Tapara app to streamline the payment flow. This does not grant Tapara access to your bank account. It is used only to pre-fill the open banking payment interface.

3.4 No Recurring Payments

Tapara does not set up recurring payments, direct debits, or standing orders on your bank account. Each bank payment is a single, standalone transfer.

5.1 Merchant-Operated

Loyalty programmes on Tapara are designed, configured, and operated by individual merchants, not by Tapara. Tapara provides the technology infrastructure. Each merchant determines its own tier names, progression rules, and benefits.

5.2 Tier Progression

Your tier progression at each merchant is based on your visit count and spend as recorded by the Tapara platform. Tier status is specific to each merchant and is not transferable between merchants.

5.3 Benefits and Vouchers

Benefits such as percentage discounts, fixed discounts, and free item vouchers are applied automatically by the Tapara platform based on the merchant’s configured rules. Custom benefits (such as priority seating or exclusive access) are delivered by the merchant at their discretion. Tapara does not guarantee the availability, quality, or delivery of any benefit.

5.4 Voucher Terms

Vouchers earned through loyalty progression:

• Are redeemable only at the merchant that issued them.
• Cannot be transferred to another person or another merchant.
• Cannot be exchanged for cash.
• May have an expiry date set by the merchant.
• Are subject to availability and the merchant’s terms.

5.5 Programme Changes

Merchants may modify or discontinue their loyalty programmes at any time. Changes affect future transactions and do not apply retroactively to vouchers already earned. If a merchant discontinues its loyalty programme, any unredeemed vouchers may be forfeited.

6.1 Merchant Products

Bundles are prepaid products created and sold by individual merchants through the Tapara platform. When you purchase a bundle, you are entering into a transaction with the merchant, not with Tapara.

6.2 Bundle Terms

Bundles:

• Are redeemable only at the merchant that issued them.
• Cannot be transferred to another person or another merchant.
• Cannot be exchanged for cash or refunded, except at the merchant’s discretion or as required by the Consumer Guarantees Act 1993.
• May have an expiry date set by the merchant, subject to the Gift Cards and Consumer Contracts Act 2024 (minimum 3-year expiry for gift cards and vouchers).

6.3 Tapara’s Role

Tapara facilitates the purchase and redemption of bundles through the platform. Tapara does not hold the prepaid value. The merchant is the issuer and is solely responsible for honouring the bundle.

7.1 Data Shared with Merchants

When you transact with or join a merchant’s loyalty programme, the merchant can see:

• Your first name.
• Your transaction history with that merchant.
• Your loyalty membership data (tier, visit count, spend, vouchers).

Merchants cannot see your email address, bank details, or your activity at other merchants.

7.2 Data Shared with Payment Providers

When you make a payment, the Payment Provider receives the data necessary to process the transaction. See our Privacy Policy and the Payment Provider’s privacy policy for details.

7.3 No Sale of Data

We do not sell, rent, or trade your personal information to any third party for any purpose.