Terms and Conditions

Occubuy is a rewards platform designed to help aspiring home buyers get closer to purchasing their first property. By tracking your rent payments, you can earn Occubuy Points that contribute towards a future home purchase. Through the platform, you can also connect your financial accounts, monitor your credit score, and explore tailored products and services — all aimed at accelerating your journey to home ownership.

These Terms of Use outline your rights and responsibilities when using our platform and services. By signing up or using Occubuy, you agree to these terms, so please read them carefully.

Your Account & Responsibilities

When creating an Occubuy account, you agree to:

• Provide accurate, current, and complete information.
  
  
• Keep your login details confidential.
  
  
• Be responsible for all activity on your account.
  
  
• Use Occubuy only for lawful purposes and as intended.
  
  

You must be at least 18 years old to create an account and use our services.

How Occubuy Works

Occubuy helps you save for a home by earning Occubuy Points when you pay rent through our platform or track rental payments via Open Banking.

Earning Points: You earn Occubuy Points every time you track a rental payment via Occubuy CDR Open Banking. Details on the earning rate are displayed in the app.

Using Points: Occubuy Points can be used only towards purchasing a property listed by our approved Property Partners. Points cannot be exchanged for cash, transferred, or used outside our network.

Property Partners: We collaborate with selected partners to offer exclusive property listings. We may receive a referral fee from these partners, which will be disclosed.

Note: Occubuy is not a real estate agent or financial institution and does not provide legal, real estate, or financial advice. All property transactions are between you and the relevant seller or service provider.

Fees and Payments

There are no fees to use Occubuy unless you subscribe to a premium service. Any premium features and fees will be clearly described before you opt in.

Your Privacy

Your privacy is important to us. We use your personal data (e.g. contact and payment details) to provide and improve our services. We only share data with trusted service partners to support features you’ve chosen.
See our full Privacy Policy for more details.

Occubuy Points and Journey

Points are earned by tracking verified rent payments. These Points can be applied toward the purchase of a property through a verified Property Partner. Points are part of our loyalty scheme and hold no cash value.

Points can only be redeemed if:

• You maintain an active account;
  
  
• You purchase an eligible property via an approved partner; and
  
  
• You follow the redemption steps outlined on the platform.
  
  

We may offer promotions where extra Points can be earned. Terms will be outlined in-app.

Redemption value may vary based on seller contributions, property value, and partner agreements.

Changes apply only to Points earned after the update.

Set a Savings Goal in your account to track progress. Aggregators like Effi and Yodlee may be used. Please review their terms.

Third Party Services

Occubuy includes offers and services from third parties (e.g. mortgage brokers, utility providers). These services are not provided by us. We are not liable for their outcomes.

By using a third-party service, you agree that:

• Occubuy does not provide the service directly.
  
  
• We may share your information with a partner only with your consent.
  
  
• Any agreement is between you and the third party.
  
  

Displayed services are not ranked or endorsed.

Credit Score Access

You may authorise us to access credit data (e.g. from Experian). This includes your credit score and payment history.

You may withdraw consent at any time. Third-party credit data may vary in accuracy and does not guarantee loan approval.

CDR and Open Banking

Occubuy uses Open Banking under the Consumer Data Right (CDR) to track rent and financial activity.

• Security: Data is encrypted. Passwords are never seen by us.
  
  
• Control: You choose what to share and can revoke access anytime.
  
  
• Compliance: Only accredited providers (e.g. Yodlee, Effi) access CDR data.

Important Disclaimers

• Occubuy does not provide financial, legal, or real estate advice.
  
  
• We are not responsible for third-party services or outcomes.
  
  
• The platform is provided "as is" without guaranteed availability.
  
  

Resolving Issues

For support, contact: admin@occubuy.com.au.
If unresolved, disputes may proceed to mediation under Australian consumer law guidelines.

Final Purchase

As you approach your Savings Goal, we may refer you, after you have opted in or consented to:

• A verified Property Partner; or
  
  
• A third-party lender (e.g. broker or bank).
  
  

We are not a lender and not responsible for their decisions or products.

Communication

We may contact you via:

• In-app messages
  
  
• Email, SMS, or WhatsApp
  

You can manage these preferences in your account settings.

Our Intellectual Property

All content, algorithms, and tools on the platform are owned by Occubuy.
You may not use them outside personal, non-commercial purposes.

You may share our content on social media if you:

• Do not claim ownership
  
  
• Do not imply endorsement
  
  
• Follow these Terms
  
  

Your Data

You own your data. You allow us to:

• Operate and improve the platform
  
  
• Analyse anonymised usage trends
  
  
• Display services based on profile data
  

We are not responsible for the accuracy of your data.

Warranties

You confirm that:

• All information you provide is accurate.
  
  
• You have legal rights to use the platform.
  
  
• You accept responsibility for your decisions.
  
  
• You will not misuse the platform or its content.
  
  

Occubuy does not act as your agent or trustee.
Use of the platform is at your own risk.

Australian Consumer Law

Nothing in these Terms affects your rights under the Australian Consumer Law (ACL).
If applicable, our liability is limited to:

• Re-supplying the service; or
  
  
• Refunding any fees you paid
  
  

Limitation of Liability

To the maximum extent allowed by law.

• You indemnify us for misuse or violations of these Terms.
  
  
• We are not liable for outages, third-party issues, or indirect losses.
  
  
• Total liability is limited to the amount paid by you (if any).
  
  

Changes to These Terms

We may update these Terms. Significant changes will be shared via email or in-app notice.
Continuing to use the platform means you accept the updated terms.

Contact Us

Occubuy Australia Pty Ltd
📧 Email: admin@occubuy.com.au
Last updated: 10 July 2025