Terms of Use

App: Code Cards: Loyalty Wallet
Developer: Funkrom
Effective date: 17 July 2026
Last updated: 17 July 2026

1. Agreement to these Terms

These Terms of Use (“Terms”) govern your download, installation, access to, and use of the Code Cards: Loyalty Wallet mobile application (“App”).

The App is provided by Funkrom (“Developer”, “we”, “us” or “our”).

By downloading, installing, accessing, or using the App, you agree to these Terms and the Privacy Policy.

If you do not agree, do not install or use the App.

These Terms apply in addition to any mandatory terms imposed by Apple, Google, your app-store operator, or applicable law. If a mandatory store or legal requirement conflicts with these Terms, the mandatory requirement prevails to the extent of the conflict.

2. Description of the App

The App is a convenience tool that allows you to create, organise, display, back up, and restore barcode and QR-code cards, including loyalty and membership cards.

The App is not:

• a payment service;
• a bank account or financial product;
• a password manager;
• an encrypted credential manager;
• an identity wallet;
• an official government document wallet;
• a security-access system;
• an official service operated by a retailer or loyalty-program provider; or
• a guaranteed substitute for an original physical or digital card.

The App does not guarantee that a retailer, venue, organisation, scanner, or loyalty-program provider will recognise or accept a code displayed by the App.

3. Eligibility

You must be legally capable of agreeing to these Terms.

If you are under the age at which you may independently enter into these Terms, you may use the App only with the permission and supervision of a parent or legal guardian.

4. Licence

Subject to these Terms, the Developer grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable licence to install and use the App on devices that you own or control, in accordance with the applicable app-store usage rules.

The App is licensed, not sold. No ownership of the App or its intellectual property is transferred to you.

You must not:

• copy, distribute, sell, rent, lease, sublicense, or commercially exploit the App except where applicable law expressly permits;
• reverse engineer, decompile, disassemble, or attempt to derive the App’s source code except where applicable law expressly permits;
• bypass technical restrictions or purchase controls;
• interfere with the App’s operation;
• introduce malicious code;
• use the App to violate another person’s rights;
• misrepresent your identity or entitlement;
• use a barcode or QR code fraudulently;
• use the App to obtain benefits, access, goods, services, discounts, points, or rewards to which you are not entitled; or
• use the App for an unlawful purpose.

5. Your cards and information

You control the information that you enter, scan, import, store, display, export, or restore using the App (“User Content”).

You are solely responsible for:

• ensuring that User Content is accurate;
• ensuring that you are authorised to possess and use each card or code;
• complying with the rules of each retailer, venue, membership scheme, loyalty program, or card issuer;
• determining whether a code may lawfully be copied or digitally reproduced;
• correcting inaccurate card names, formats, or values;
• preventing unauthorised access to your device;
• controlling access to exported backup files; and
• maintaining an alternative method of proving membership or entitlement where necessary.

The Developer does not verify:

• your identity;
• your ownership of a card;
• whether a card is valid or current;
• whether a retailer permits digital copies;
• whether a code belongs to you;
• whether a displayed code will scan correctly; or
• whether use of the code complies with a third party’s terms.

You must not store or use another person’s card without their lawful authority.

6. No App-level encryption

The App does not apply application-level encryption to card information stored in its local database.

Backup files created by the App are not encrypted. They contain card information in readable plaintext format.

The App is not designed or suitable for confidential, secret, security-critical, regulated, or highly sensitive information.

You must not use the App to store:

• passwords or authentication credentials;
• private keys;
• recovery or seed phrases;
• one-time authentication codes;
• bank-account or payment-card details;
• government identification information;
• health or medical records;
• confidential business information;
• security-access credentials; or
• any information for which encryption, restricted access, regulatory compliance, or guaranteed confidentiality is required.

Your device operating system or cloud provider may independently provide device encryption, transport encryption, account security, or storage security. Those protections are not supplied, controlled, or guaranteed by the Developer.

You acknowledge that anyone who obtains access to:

• your unlocked device;
• the App’s data;
• a device backup;
• a cloud-storage account;
• an exported backup file;
• an email containing a backup; or
• a shared file or folder

may be able to read, copy, modify, distribute, or use your stored card information.

You accept the risks associated with using unencrypted local storage and plaintext backup files.

7. Camera, photos, and files

The App may request access to your camera, selected photos, screenshots, or files in order to identify barcodes or QR codes.

You are responsible for ensuring that:

• you are authorised to photograph, import, and process the relevant item;
• an imported image does not contain information that you are prohibited from copying;
• you do not inadvertently import unrelated confidential information; and
• you verify the decoded value before relying on it.

Barcode recognition may be inaccurate. Images may be blurred, incomplete, altered, damaged, or incorrectly interpreted.

You must check the card value and format before saving or using it.

8. Backup and restoration

The App may allow you to export and restore card information using a backup file.

Every backup file must be treated as an unencrypted copy of your card information.

A backup may be saved or shared through services such as iCloud Drive, Google Drive, Dropbox, email, AirDrop, device storage, or another destination made available by your device.

You choose the destination and are responsible for:

• securing the relevant account;
• confirming the intended recipient;
• controlling sharing permissions;
• retaining and deleting the backup;
• maintaining sufficient storage;
• checking that the backup has completed;
• verifying that the backup remains accessible; and
• determining whether the destination is appropriate for unencrypted card information.

The Developer does not control third-party backup destinations and is not responsible for their availability, security, data handling, retention, account recovery, service changes, or service termination.

A backup or restore operation may:

• fail;
• be interrupted;
• create incomplete data;
• contain obsolete information;
• overwrite or merge selected information;
• preserve deletion records;
• produce duplicate or conflicting entries;
• be incompatible with a later App version; or
• become corrupted or unavailable.

You must inspect restored information before relying on it.

You should retain original cards or another reliable record when losing access to a card could cause inconvenience, financial loss, loss of benefits, or denial of access.

9. Device security and loss

You are responsible for securing the device on which the App is installed.

Recommended precautions include a strong device passcode, current operating-system updates, biometric protection where appropriate, and multi-factor authentication for associated cloud accounts.

The Developer is not responsible for unauthorised use of a card resulting from:

• a lost, stolen, shared, sold, or compromised device;
• another person knowing your device passcode;
• malicious software;
• an operating-system vulnerability;
• unauthorised access to a cloud account;
• unsafe file-sharing settings;
• a backup sent to an unintended recipient; or
• your failure to delete App data before disposing of a device.

If a device or backup is compromised, you should contact the relevant retailer, card issuer, membership organisation, cloud provider, or device provider where appropriate.

10. Retailers, brands, and third parties

The Developer is independent of the retailers, brands, loyalty programs, venues, issuers, and organisations whose cards may be represented in the App.

Unless expressly stated otherwise, no retailer, brand, loyalty program, issuer, venue, or organisation:

• sponsors the App;
• endorses the App;
• has verified the App;
• guarantees that the App will work with its systems; or
• is responsible for supporting the App.

Names, logos, colours, trademarks, and other brand identifiers belong to their respective owners.

Their appearance in the App, where applicable, is for identification or informational purposes and does not grant you additional rights to use them.

Your relationship with a retailer or loyalty-program provider is governed by its own terms. The Developer is not a party to that relationship.

11. Scanning and acceptance are not guaranteed

Barcode and QR-code technologies depend on factors outside the Developer’s control, including:

• screen brightness;
• display damage;
• device dimensions;
• scanner quality;
• scanner configuration;
• glare and ambient lighting;
• barcode format;
• barcode validity;
• retailer-system availability;
• internet connectivity at the retailer;
• account status;
• loyalty-program rules; and
• changes made by a retailer or issuer.

The App may display a code that cannot be scanned or accepted.

You should carry the original card or another accepted method when access to the relevant service, benefit, event, account, or venue is important.

12. No professional advice

Information provided through the App or its documentation is general information only.

It is not legal, financial, privacy, cybersecurity, regulatory, medical, or professional advice.

You are responsible for obtaining appropriate advice where your intended use involves confidential information, regulated information, workplace systems, access credentials, legal obligations, or significant risk.

13. Updates and compatibility

We may release updates that add, remove, modify, or discontinue functions.

An update may be required because of:

• operating-system changes;
• app-store requirements;
• security concerns;
• third-party dependency changes;
• defects;
• legal requirements; or
• product decisions.

We do not guarantee that:

• the App will support every device indefinitely;
• the App will remain compatible with future operating-system versions;
• every existing feature will remain available;
• backup files will remain compatible forever; or
• updates will be provided for any particular period.

You are responsible for exporting any information you wish to preserve before deleting the App, resetting a device, or installing an update that may affect compatibility.

14. Availability and discontinuation

The App may be suspended, withdrawn, replaced, or discontinued.

To the maximum extent permitted by law, the Developer is not required to:

• maintain the App indefinitely;
• provide new features;
• support every operating-system release;
• maintain compatibility with every device;
• restore an App removed from an app store;
• operate any particular third-party integration; or
• recover information stored only on your device or in your own cloud account.

Any withdrawal or discontinuation remains subject to rights and obligations that cannot lawfully be excluded.

15. Purchases and refunds

The App may be offered free of charge, for a one-time purchase price, or with optional purchases, as described in the relevant app-store listing.

Payments are processed by the applicable app-store operator. The Developer does not receive your complete payment-card details.

App-store billing, family sharing, purchase restoration, taxes, and refund procedures are generally governed by the store’s terms and applicable law.

Nothing in these Terms excludes any refund, replacement, repair, resupply, cancellation, or other remedy to which you are entitled under applicable consumer law.

16. Intellectual property

The App, its source code, design, documentation, original graphics, and other Developer-created materials are owned by or licensed to the Developer and are protected by applicable intellectual-property laws.

These Terms do not transfer any ownership rights to you.

You retain any rights you lawfully hold in User Content. You grant the Developer only the limited permission necessary for the App to process that information locally at your direction.

Because the current App does not upload User Content to a Developer-operated service, this permission does not grant the Developer a general right to obtain, publish, sell, or advertise using your card information.

17. Feedback

You may voluntarily provide suggestions, defect reports, or other feedback.

Unless prohibited by law, you grant the Developer a perpetual, worldwide, royalty-free right to use feedback to maintain, modify, and improve the App without an obligation to compensate you.

Do not include barcode values, private keys, passwords, backup files, or other confidential information in feedback or support correspondence.

18. Disclaimer of warranties

This section applies only to the maximum extent permitted by law.

The App is provided on an “as is” and “as available” basis.

Except for guarantees, warranties, rights, or remedies that cannot lawfully be excluded, the Developer disclaims all express, implied, statutory, and other warranties, including warranties concerning:

• accuracy;
• reliability;
• availability;
• merchantability;
• acceptable quality;
• fitness for a particular purpose;
• compatibility;
• security;
• confidentiality;
• non-infringement;
• error-free operation;
• successful backup or restoration;
• successful scanning; and
• acceptance of a displayed card by a third party.

The Developer does not warrant that:

• the App will be uninterrupted or defect-free;
• defects will be corrected;
• information will never be lost;
• a backup will always be created or restored;
• local information or backup files will remain confidential;
• the App will prevent unauthorised use;
• the App will satisfy any regulatory or security standard; or
• a retailer or organisation will accept a displayed code.

19. Limitation of liability

This section applies only to the maximum extent permitted by law.

To the extent permitted by law, the Developer and its officers, employees, contractors, licensors, and distributors will not be liable for any indirect, incidental, special, exemplary, punitive, or consequential loss arising out of or relating to the App.

Without limitation, excluded loss may include:

• loss, disclosure, corruption, or destruction of card information;
• unauthorised use of a stored card or code;
• loss of loyalty points, rewards, discounts, benefits, tickets, or entitlements;
• denial of entry, service, membership, or access;
• inability to display or scan a card;
• a retailer’s refusal to accept a code;
• loss caused by an incorrect barcode value or format;
• loss caused by a failed, incomplete, unavailable, or corrupted backup;
• loss caused by a device, operating-system, cloud-provider, email-provider, or app-store failure;
• loss caused by a lost, stolen, shared, or compromised device;
• loss of profit, revenue, opportunity, goodwill, reputation, or anticipated savings;
• business interruption;
• costs of recreating information; or
• claims made against you by another person.

To the extent that liability cannot be excluded but may lawfully be limited, the Developer’s liability is limited, at the Developer’s option and where permitted by law, to:

• resupplying the affected service;
• paying the reasonable cost of resupplying the affected service; or
• another limitation permitted by applicable law.

Subject to rights that cannot be excluded or limited, the Developer’s total aggregate liability arising from the App will not exceed the amount you paid specifically to obtain the App.

The limitations in this section do not apply to the extent that applying them would:

• unlawfully exclude a non-excludable consumer guarantee;
• unlawfully exclude liability for fraud or wilful misconduct;
• unlawfully exclude liability for death or personal injury;
• constitute an unfair contract term; or
• otherwise be prohibited by applicable law.

20. Australian Consumer Law

If you acquire the App as a consumer in Australia, you may have statutory rights and consumer guarantees under the Australian Consumer Law.

Those rights may include remedies where goods or services fail to satisfy a guarantee imposed by law.

Nothing in these Terms excludes, restricts, or modifies a consumer guarantee, right, remedy, or liability where doing so would be unlawful.

Where the Australian Consumer Law permits a liability to be limited, the limitation in section 19 applies only to the extent permitted by that law.

21. Responsibility for claims caused by your conduct

To the maximum extent permitted by law, you are responsible for loss reasonably incurred by the Developer as a direct result of:

• your fraudulent or unlawful use of the App;
• your intentional infringement of another person’s rights;
• your knowing use of a card or code without authority;
• your material breach of these Terms; or
• User Content that you had no lawful right to copy, store, or use.

This responsibility does not apply to the extent that a loss was caused by the Developer’s negligence, breach of law, fraud, wilful misconduct, or failure to mitigate the loss.

22. Suspension and termination

Your licence to use the App terminates automatically if you materially breach these Terms.

On termination, you must stop using the App and, where reasonably practicable, remove it from your devices.

Termination does not affect provisions that by their nature should continue, including provisions concerning intellectual property, disclaimers, liability, responsibility for claims, and governing law.

Termination of the licence does not necessarily remotely delete local information or backup files. You remain responsible for deleting those copies.

23. App-store terms

Where you obtained the App through an app store:

• these Terms are between you and the Developer, not the app-store operator;
• the Developer, rather than the app-store operator, is responsible for support that the Developer is legally required to provide;
• the app-store operator is not responsible for User Content or your use of third-party services;
• you must comply with the store’s usage rules and applicable account terms; and
• the app-store operator may have rights under its own terms.

These Terms supplement and do not replace any mandatory app-store licence terms.

24. Export and legal compliance

You must comply with applicable laws concerning sanctions, trade controls, consumer protection, privacy, intellectual property, fraud, and use of digital credentials.

You represent that you are not prohibited by applicable law from downloading or using the App.

25. Changes to these Terms

We may update these Terms to reflect:

• changes to the App;
• changes to legal requirements;
• changes to store requirements;
• security concerns; or
• new or discontinued functions.

The updated Terms will display a revised “Last updated” date.

Where required by law, we will provide additional notice or request agreement before materially different terms apply.

Continuing to use the App after updated Terms take effect constitutes acceptance only to the extent permitted by applicable law.

26. Severability

If any provision of these Terms is held invalid, unlawful, or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in effect.

27. No waiver

A failure or delay in enforcing a provision does not waive the right to enforce it later.

28. Entire agreement

These Terms, the Privacy Policy, and any mandatory app-store terms constitute the agreement concerning your use of the App, except where applicable law provides otherwise.

29. Governing law and jurisdiction

These Terms are governed by the laws of NSW, Australia, without excluding any mandatory law that applies in your place of residence.

Subject to any right to bring proceedings elsewhere under applicable consumer law, the courts of NSW, Australia, have jurisdiction over disputes relating to these Terms or the App.

30. Contact

Questions concerning these Terms or the App may be sent to:

Developer: Funkrom
Email: [email protected]

Do not include a complete barcode value, backup file, password, private key, or other confidential information in a support request.