Savvy Investments Co Pty Ltd (ABN 50 698 325 334) · surprisebonus.com · NSW governing law
Last updated: 7 June 2026
1.1 These Terms of Service ("Terms") govern your access to and use of the SurpriseBonus platform, website located at surprisebonus.com, and all related services (together, "the Service") provided by Savvy Investments Co Pty Ltd ABN 50 698 325 334 ("we", "us", "our").
1.2 By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1.3 We may update these Terms from time to time. We will notify you of material changes by email or prominent notice on the platform. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.
1.4 These Terms are governed by the laws of New South Wales, Australia.
2.1 SurpriseBonus is an AI-powered entitlement finder. The Service identifies government programs, entitlements, benefits, and grants that you may potentially be eligible for, based on information you provide.
2.2 The Service provides general information only. It does not constitute financial advice, legal advice, taxation advice, welfare advice, or any other form of professional advice. Nothing in the Service should be relied upon as a substitute for independent professional advice tailored to your circumstances.
2.3 The Service is not affiliated with, endorsed by, or connected to the Australian Government, any state or territory government, Centrelink, Services Australia, the Australian Taxation Office, or any other government agency or authority. We are a private, independent technology company.
2.4 Eligibility results produced by the Service are indicated using "may be eligible" language throughout. This means the Service has identified a potential match based on the information you provided and the parameters of the relevant program at the time of processing. It does not mean you are eligible. It does not mean you will receive any entitlement, benefit, or payment. Final eligibility is determined solely by the relevant government agency or program administrator.
2.5 You must verify all results with official government sources before taking any action. We strongly recommend you seek independent professional advice — such as from a financial counsellor, accountant, or welfare rights adviser — before applying for any program identified by the Service.
2.6 We make no representation or warranty that the information provided by the Service is complete, accurate, current, or suitable for your circumstances.
3.1 The Service uses artificial intelligence and automated processing to analyse the information you provide and generate eligibility match results ("Results"). Results are produced entirely by automated means. No human reviews, verifies, or approves any individual Result before it is delivered to you.
3.2 AI-generated outputs can be inaccurate, incomplete, or outdated. Program eligibility criteria change frequently. The Service may not reflect recent legislative or policy changes.
3.3 You acknowledge that:
3.4 We are transparent about our use of AI. For further information about how AI is used in the Service, see clause 3 and our Privacy Policy.
4.1 SurpriseBonus is a private, independent technology service. We have no formal relationship with any government department, statutory authority, or regulated advice body.
4.2 We do not have access to your Centrelink records, myGov profile, ATO data, or any other government-held information unless you explicitly provide that information to us.
4.3 Nothing in the Service constitutes an official government determination, assessment, or advice about your entitlements or obligations.
5.1 Age requirement. You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are 18 or older.
5.2 Residency. The Service is intended for use by Australian residents. We make no representation that the Service is appropriate for use outside Australia.
5.3 Accurate information. You must provide accurate, current, and complete information when using the Service. Results are only as reliable as the information you provide. You are responsible for updating your information if your circumstances change.
5.4 Account security. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at hello@surprisebonus.com if you suspect unauthorised access to your account.
6.1 You agree to use the Service only for lawful purposes and in accordance with these Terms.
6.2 You must not:
6.3 We reserve the right to suspend or terminate your access to the Service if we reasonably believe you have breached clause 6.2 or any other provision of these Terms.
7.1 Paid access. Access to matched Results is provided on a paid basis. You must pay the applicable fee to view your personalised eligibility match Results.
7.2 What your payment covers. Your payment grants you access to the Results generated by the Service based on the information you have provided at that time. Payment does not guarantee the accuracy, completeness, or currency of those Results. Payment does not guarantee you will be eligible for, or receive, any entitlement, benefit, or payment identified in your Results.
7.3 No guarantee. We expressly state that no payment made to access Results constitutes any guarantee of eligibility, any promise of a financial outcome, or any warranty that the Results are correct or complete.
7.4 Pricing. Fees are as published on the platform at the time of purchase. We reserve the right to change our fees. We will give you reasonable notice of any fee changes.
7.5 Refunds. Subject to your rights under the Australian Consumer Law ("ACL"), payments are non-refundable once you have accessed your Results. This does not affect any rights you have under the ACL that cannot be excluded by contract. If you have a concern about a payment, please contact us at hello@surprisebonus.com.
7.6 Consumer guarantees. Nothing in these Terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by the ACL that cannot be excluded or modified by agreement. Where the ACL applies and cannot be excluded, our liability to you is limited to the extent permitted by section 64A of the ACL.
8.1 Our IP. The Service, including all software, algorithms, content, design, trademarks, and Results, is owned by or licensed to Savvy Investments Co Pty Ltd. All rights are reserved. Nothing in these Terms transfers any intellectual property rights to you.
8.2 Your licence to use. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service and your Results for your personal, non-commercial purposes only.
8.3 Your content. You retain ownership of any personal information or content you submit to the Service. By submitting information, you grant us a non-exclusive, royalty-free licence to use that information for the purposes of operating the Service and delivering Results to you, in accordance with our Privacy Policy.
8.4 Competition submissions. If you submit a tagline or other content as part of a competition or promotional activity run by SurpriseBonus, the intellectual property terms applicable to those submissions are set out in the applicable Competition Terms and Conditions, which supplement these Terms.
9.1 Exclusions. To the maximum extent permitted by law, we exclude all liability to you for any loss or damage arising from or in connection with your use of, or reliance on, the Service or the Results, including but not limited to:
9.2 ACL consumer guarantees. Our liability exclusions in clause 9.1 do not exclude, restrict, or modify any statutory right or guarantee that applies under the ACL and cannot be excluded. Where our liability cannot be excluded and is limited by section 64A of the ACL, our liability is limited, at our option, to:
9.3 Cap on liability. Subject to clause 9.2, our total aggregate liability to you for any claim under or in connection with these Terms is limited to the amount you paid us in the 12 months preceding the event giving rise to the claim.
9.4 Consequential loss. To the maximum extent permitted by law, we exclude liability for any indirect, incidental, special, or consequential loss, even if we were advised of the possibility of such loss.
10.1 We reserve the right to modify, suspend, or discontinue the Service (or any part of it) at any time, with or without notice.
10.2 We will endeavour to give reasonable advance notice of material changes or planned outages but cannot guarantee the continuous availability of the Service.
10.3 We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.
11.1 By you. You may stop using the Service at any time. If you have an account, you may request closure of your account by contacting us at hello@surprisebonus.com.
11.2 By us. We may suspend or terminate your access to the Service immediately and without notice if:
11.3 Effect of termination. On termination, your licence to use the Service ends immediately. Clauses that by their nature should survive termination — including clauses 2, 3, 8, 9, and 12 — continue in force.
12.1 Contact us first. If you have a complaint or dispute, please contact us first at hello@surprisebonus.com. We will endeavour to resolve your complaint within 14 days.
12.2 Mediation. If we cannot resolve your complaint directly, either party may propose mediation. The parties will agree on a mediator and share the cost equally.
12.3 Courts. If mediation is unsuccessful or not agreed, either party may pursue the matter through the courts of New South Wales. Both parties submit to the non-exclusive jurisdiction of the courts of New South Wales and the federal courts of Australia.
12.4 Consumer rights. Nothing in this clause prevents you from exercising your rights under the ACL or making a complaint to a relevant consumer protection authority.
13.1 These Terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and the federal courts of Australia having jurisdiction in New South Wales.
14.1 Entire agreement. These Terms, together with our Privacy Policy and any applicable Competition Terms and Conditions, constitute the entire agreement between you and us in relation to the Service.
14.2 Severability. If any clause of these Terms is found to be unenforceable, that clause will be read down or severed to the minimum extent necessary, and the remaining Terms continue in full force.
14.3 Waiver. Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it later.
14.4 Assignment. You may not assign your rights under these Terms without our prior written consent. We may assign our rights to a related entity or on a sale of the business.
14.5 Contact. Savvy Investments Co Pty Ltd, ABN 50 698 325 334. Australia. hello@surprisebonus.com.