Humanforce Thrive App Terms of Use
1. What is the Humanforce Thrive app?
1.1 The Humanforce Thrive app (App) is operated by Humanforce Holdings Pty Ltd (ACN 618 020 401) of Level 10, 90 Arthur Street, North Sydney NSW 2060, Australia (Humanforce, we, us or our). The App is used to provide eligible users with access to Humanforce Benefits. Humanforce Benefits may include features made available by your employer or that you choose to use, such as:
a. access to earned wage access or salary streaming features;
b. access to Grow (the investment contribution feature described in section 6.2) or contribution related features;
c. access to Rewards, Reward Points, benefits, vouchers, gift cards or offers; and
d. other features made available through the App from time to time.
1.2 Not all features are available in all countries or to all users. The features available to you depend on your employer’s arrangement with Humanforce, your country, eligibility requirements, applicable law and the functionality shown in the App.
1.3 Some features may be provided by Humanforce, Humanforce Group companies or third-party providers. Grow and investment-related features may involve Blossom or other third-party providers. Rewards may be issued, fulfilled or managed by independent third-party Reward Providers.
2. Your agreement
2.1 These Terms apply to your access to and use of the App.
2.2 If you access, request, activate, accept, redeem or use a feature made available through the App, you may also enter into a separate agreement for that feature (Feature Agreement).
2.3 A Feature Agreement may be made up of:
a. these Terms of Use (Terms);
b. any feature-specific terms that apply to the relevant feature;
c. any offer terms, acceptance terms, product disclosure documents, direct debit terms, Authority to Deduct, Reward Provider terms, partner terms, notices, disclosures, consents or other terms that apply to the relevant feature; and
d. any details, limits, fees, instructions, confirmations or other terms shown in the App when you access, request, activate, accept, redeem or use the relevant feature.
2.4 A Feature Agreement applies only to the relevant feature and only if that feature is made available to you and you access, request, activate, accept, redeem or use it.
2.5 If there is any inconsistency between these Terms and any feature-specific terms or other terms that apply to a feature, the feature-specific terms or other terms apply to that feature to the extent of the inconsistency.
3. How these Terms apply to you
3.1 These Terms apply to your use of the App. Feature specific terms apply only if the relevant feature is made available to you and you use that feature.
3.2 A feature may be suspended, changed, withdrawn or unavailable if required by law, if it is no longer supported, if your employer changes its arrangement with Humanforce, if you no longer meet eligibility requirements, or if Humanforce or the relevant provider reasonably considers this necessary for security, compliance, operational or risk reasons.
3.3 You must not use a feature unless you meet all eligibility requirements shown in the App or applicable to that feature.
4. Contact Us
If you have any questions about these Terms, you can contact us at thrive-support@humanforce.com or through the chat feature in the App.
5. Privacy
5.1 Humanforce handles your personal information in accordance with the Humanforce Benefits Collection Notice, the Humanforce Benefits Privacy Policy and the Humanforce Privacy Policy.
5.2 How we collect, use and disclose your personal information in connection with the App and Humanforce Benefits is described in section 21 of these Terms.
6. Humanforce Benefits Features
6.1 Streaming
a. This Part applies to you only if Streaming is made available to you and you use that feature. Streaming is currently only offered in Australia.
b. Streaming may allow you to request access to a proportion of your earned but unpaid salary or wage before your usual pay date. If your request is accepted, the amount is advanced to you by way of a technology-enabled short-term borrowing facility. The amount advanced is a loan and must be repaid.
c. Any request you make for Streaming may be subject to a Feature Agreement, including offer terms, loan terms, direct debit terms, Authority to Deduct arrangements, credit reporting notices and other disclosures provided by Humanforce.
d. Humanforce may accept or decline a request for credit at its discretion, subject to applicable law.
e. Humanforce may apply minimum or maximum limits, eligibility checks, transaction limits, verification requirements or other conditions.
f. When you make your first Stream, you give your Employer permission to deduct this amount from your pay as a repayment. This should be deducted as a repayment on the date you usually get paid. If your Employer is unable to or doesn't deduct your repayment from your pay, or if the relevant amount is not repaid through payroll arrangements, you will need to repay this loan in full by direct debit, bank transfer or otherwise.
g. To the extent permitted by law, overdue repayments may be reported by Humanforce to a credit reporting body after any required statutory notices are given and any required period has passed. This may impact your credit history. Please see Humanforce’s Statement of Notifiable Matters and Credit Reporting Policy for more information.
h. Based on Humanforce’s current assessment and unless Humanforce notifies you otherwise, a Stream is not credit to which the National Credit Code applies. If there is any change in law or regulatory guidance that affects this position, Humanforce may update these Terms accordingly.
6.2 Grow
a. This Part applies to you only if Grow is made available to you and you choose to use that feature. Grow, and access to the Blossom Fund, are currently only offered in Australia.
b. Grow may allow you to request that part of your salary or wage be directed to investment in the Blossom Fund.
c. The Blossom Fund is an investment product operated by Blossom RE. Humanforce is an authorised representative of Gleneagle Securities (Aust) Pty Ltd ACN 58 136 930 526 AFSL 385620, with AFS authorised representative number 001296715.
d. Grow and the Blossom Fund are subject to a Feature Agreement and the applicable Blossom product disclosure statement, target market determination, terms and privacy policy. You should read those documents before using Grow or investing in the Blossom Fund.
e. Humanforce is not responsible for the performance of the Blossom Fund or any investment gains or losses. Humanforce does not provide any personal financial product advice, tax advice or legal advice.
f. Humanforce has arrangements with BlossomApp to enable you to set a Grow Contribution for each Pay Period, which is then invested in the Blossom Fund and reflected in your Grow Account, as recorded and determined by Blossom RE.
g. For details of how Grow Contributions are deducted, held and invested, and how your Grow Account operates, see sections 9, 10 and 15.
6.3 Learn & Coach
a. This Part applies to you only if Learn & Coach is made available to you and you use that feature. Learn & Coach is currently only offered in Australia.
b. Learn (the financial education feature) provides impartial financial guidance to help you understand money management principles and build positive financial habits. It provides general information of an educational nature only and doesn’t consider the financial situation or needs of any individual. It is not financial product advice.
c. Coach provides money coaching, not financial advice. Money coaches provide strategies to help you reach your financial goals and improve financial behaviours. If you are able and choose to use the Coach services, money coaches may help identify ranges or types of financial products generally available which may be of benefit to you, but will not recommend or express an opinion on the suitability of any financial product or class of financial products to you.
d. Any decision you make to acquire a financial product must be made by you, and under no circumstances will Humanforce or any Coach assist you in making a decision.
e. Before acquiring any financial product you should seek independent financial advice.
f. Humanforce money coaches are not tax advisors or financial planners; and cannot and do not provide legal, tax or financial advice, whether through the App or in any other way.
g. If you require further financial assistance, you might want to refer to your Employee Assistance Program, the National Debt Helpline, or Financial Counselling Australia.
6.4 Perks
a. This Part applies to you only if Perks is made available to you and you choose to use that feature. Perks is currently only offered in Australia.
b. Perks (the card-linked cashback rewards feature) allows you to access card-linked cashback rewards by linking your Visa, Eftpos or Mastercard card in the App.
c. Once you link your card, you can earn cashback rewards when you make eligible purchases with your linked card at participating merchants.
d. Once you have accumulated at least $25 in rewards, rewards may be withdrawn to your bank account registered with Humanforce at no charge (minimum withdrawal $25).
e. Additional terms apply to your use of Perks, available at Cashback Terms and Conditions.
6.4 Rewards & Recognition
a. This Part applies to you only if Rewards, Reward Points, benefits, vouchers, gift cards or offers are made available to you and you use that feature.
b. Humanforce may issue Reward Points to you based on criteria determined by your Employer or otherwise as shown in the App.
c. Reward Points may be redeemed for Rewards such as vouchers, gift cards or other non-cash benefits subject to availability and the terms that apply to the relevant Reward.
d. Rewards are issued, fulfilled or managed by independent third-party Reward Providers, not by Humanforce.
e. The relevant Reward Provider’s terms and conditions, including any terms governing redemption, expiry, permitted use and availability, apply to each Reward and will be made available to you before the Reward is issued.
f. By redeeming Reward Points for a Reward, you enter into a Feature Agreement for that redemption and agree to be bound by the applicable Reward Provider’s terms and conditions.
g. Reward Points and Rewards are subject to availability in your country and to any monetary, frequency, daily, monthly, aggregate or other limits imposed by Humanforce, your employer, the Reward Provider, its issuing bank, payment processors or applicable law.
h. Unless otherwise required by law:
i.Reward Points allocated to you expire 18 months from the date of allocation or another period notified to you;
ii.expired Reward Points are forfeited and non-refundable;
iii.If your employment with your employer ends for any reason, unredeemed Reward Points allocated to you are immediately forfeited and non-refundable; and
iv.Humanforce will use reasonable endeavours to give you prior notice through the App, email or other reasonable means before your Reward Points expire.
i. Humanforce acts only as a facilitator in relation to Rewards. To the maximum extent permitted by law, Humanforce is not the issuer, redeemer or guarantor of any Reward and is not responsible for the availability, performance, fulfilment, validity, expiry, redemption, quality or suitability of any Reward, or for any act, omission or insolvency of a Reward Provider.
j. To fulfil a Reward, Humanforce may share limited personal information about you, such as your name, email address and reward details, with the relevant Reward Provider and its service providers, in accordance with applicable privacy notices.
7. Creating your App profile
7.1 To use the App and access Humanforce Benefits, you need to:
a. be currently employed by your employer who has partnered with Humanforce (Employer);
b. create an App profile; and
c. provide required information and any consents required by law or for the relevant feature.
7.2 To make a Stream or a Grow Contribution and to enter into the relevant Feature Agreement:
a. your Employer must have selected to offer these features to you; and
b. in addition to the requirements in section 7.1 you need to:
i. give your Employer a valid and standing written authority to deduct from your salary or wage in order to make payment to Humanforce or another relevant provider;
ii. give Humanforce a valid Direct Debit Authority for any shortfall; and
iii.have legal capacity to enter these Terms and the relevant Feature Agreement.
7.3 Humanforce or your Employer may suspend or cancel your App profile, your ability to borrow, or your access to the App at any time.
8. How to Stream
8.1 You can make an Offer to borrow through the App. Humanforce may but is not required, to accept your Offer.
8.2 By submitting an Offer electronically, you offer to enter into a Feature Agreement for a Stream. The Feature Agreement for that Stream is made up of these Terms, your Offer, any applicable direct debit terms, any Authority to Deduct and any other terms, notices or disclosures that apply to the Stream.
8.3 A legally binding loan agreement is formed for that Stream if Humanforce accepts your Offer and disburses the Stream into your Bank Account.
9. How to contribute to your Grow Account
9.1 If you have a Grow Account, you will be able to use the App to set a Grow Contribution for each Pay Period to be directed towards investing in the Blossom Fund.
9.2 On the Reconciliation Date, your Grow Contribution for the Pay Period will be deducted from your Pay and will be temporarily held by Humanforce, before being automatically transferred for investment in the Blossom Fund and reflected in your Grow Account.
9.3 Transfers for the Grow Account will typically occur within three business days of deduction from your Pay.
9.4 Using the App, you may request a withdrawal of any funds from your Grow Account (in whole or in part) at any time. As long as you have sufficient funds in your Grow Account for your withdrawal request, a transfer of the requested amount to your Bank Account will be submitted for processing as soon as reasonably practicable.
9.5 You can deactivate your Grow Account at any time by following the instructions in the App. When you deactivate your Grow Account, the balance of your Grow Account at the time of deactivation will automatically be transferred to your Bank Account.
10. How does using Streams and Grow Contributions affect your next Pay?
10.1 If you have received any Streams or made any Grow Contributions under a Feature Agreement during a Pay Period, your Employer will deduct from your next Pay as follows:
a. first, a portion of your Pay will be directed to Humanforce, in accordance with your standing Authority to Deduct, to repay the Streams you have received during the Pay Period and any associated fees;
b. second, your Grow Contribution will be directed to Humanforce for transfer to invest in the Blossom Fund and reflection in your Grow Account (however if your nominated Grow Contribution is greater than the amount of Pay you’re entitled to receive for that Pay Period (after the deduction for repaying the Streams), Humanforce will not transfer any funds to invest in your Grow Account), in accordance with your standing Authority to Deduct; and
c. third, the balance of your Pay will be paid to you, or in line with any other instruction you’ve given your Employer about where your Pay should be disbursed.
11. How much can you Stream or Grow?
11.1 You may Offer to borrow or make Grow Contributions up to the available amount shown through the App, and you may make multiple Offers during a Pay Period.
11.2 Generally, the available amount shown in the App will be up to 50% of your accrued after-tax Pay, however this may vary on a case-by-case basis.
11.3 For the avoidance of doubt, if you make an Offer to borrow for an amount above 50% of your accrued Pay, and that Offer is accepted, you are still required to repay the entirety of the loan.
11.4 If you make more than one Offer to borrow during a Pay Period, Humanforce will combine your outstanding balances (and any applicable fees), so that you only ever have to repay one amount to Humanforce per Pay Period. However, each accepted Offer forms a separate Feature Agreement and legally binding loan agreement for the relevant Stream.
11.5 Humanforce may apply minimum and maximum withdrawal limits at its discretion, depending on our agreement with you and/or your Employer.
11.6 Any Offers that exceed any applicable withdrawal limits will not be accepted by Humanforce.
12. Limitations on your borrowing
12.1 Humanforce, or your Employer, may limit the amount or total number of Offers you can make during any Pay Period. Examples of when Humanforce may decline an Offer include, but are not limited to:
a. for legal or regulatory reasons;
b. Humanforce considers, acting reasonably, that declining is a responsible decision for your financial circumstances, or it is not otherwise in your interests or those of Humanforce for such Offer to be accepted;
c. to meet requirements set by your Employer; or
d. to protect the App or Humanforce.
12.2 Humanforce will not be responsible for any losses you might suffer if it declines an Offer for any reason under clause 12.1.
12.3 If you have any outstanding balances payable to Humanforce, Humanforce may decline your Offer or decline to allow any further Grow Contributions.
13. Fees, charges and interest
13.1 You must pay the following non-refundable fees and charges, which will be added to the amounts you owe to Humanforce and collected pursuant to section 10.1 or otherwise repaid in accordance with these Terms or the relevant Feature Agreement:
a. a transaction fee of between $0.00 and $3.49 per Stream, depending on our agreement with you and/or your Employer;
b. if you Default under these Terms or the relevant Feature Agreement and Humanforce direct debits your nominated account, your own deposit taking institution may charge you default or direct debit failure fees. It is your responsibility to obtain details of any account-related fees from your deposit taking institution.
13.2 There will be no interest or late fees payable as a result of making a Stream. For the avoidance of doubt, this clause does not limit any obligation to pay reasonable enforcement expenses under clause 16.3 or fees disclosed in a Feature Agreement.
14. Repaying your Streams
14.1 In order for you to enjoy the features provided under these Terms, Humanforce requires, and you agree to:
a. give your Employer a standing Authority to Deduct from your Pay in favour of Humanforce for all amounts repayable to Humanforce for each Pay Period in which you receive a Stream or make any Grow Contributions;
b. enter into a standing Direct Debit Authority with Humanforce.
14.2 If your Employer is not able to deduct your Stream(s) from your Pay, meaning your loan is not repaid in full by the Reconciliation Date, you authorise Humanforce to deduct all repayments due under these Terms or the relevant Feature Agreement (including all applicable fees):
a. on the Reconciliation Date, or, if not feasible;
b. on the date which you next receive your Pay, or if not feasible;
c. within 62 days after the Reconciliation Date if any amount you owe Humanforce remains outstanding, or if not feasible;
d. in accordance with clause 14.3 below.
14.3 Your Streams are repaid from your net after-tax Pay and are not a salary sacrifice.
14.4 If Humanforce receives a part repayment, Humanforce has discretion to allocate it to any amount that you owe Humanforce, in any order, acting reasonably, and Humanforce may continue to debit your Account under your Direct Debit Authority until the entire balance is repaid.
14.5 To the extent permitted by law, Humanforce may also report any eligible default to credit reporting bodies (CRBs), after giving any required notices, including notice of the relevant CRBs name and contact details, which may impact your credit history.
14.6 Subject to any statutory right of set-off that you may have, you must make all repayments owing to Humanforce in full, and must not make any set-off.
14.7 If your repayment to Humanforce is due on a non-Business Day, it must be paid by the next Business Day.
14.8 Humanforce repayments are taken to be made when Humanforce receives the cleared repayment.
14.9 Humanforce will not pay interest on any overpayment, and will use reasonable endeavours to return overpayments to your Bank Account within a reasonable time frame.
15. Your Grow Account
15.1 Your investment in the Blossom Fund is shown in your Grow Account, provided by Blossom RE.
15.2 BlossomApp facilitates access to your Grow Account through the App.
15.3 Your investment in the Blossom Fund is subject to Blossom’s applicable product disclosure statement, target market determination, terms and privacy policy. Those documents form part of the terms that apply to the Grow feature.
15.4 None of Humanforce, Blossom RE or BlossomApp is liable for the performance of the Blossom Fund.
15.5 If Humanforce ceases to trade, or becomes insolvent, Blossom RE will arrange for the redemption of your investment in the Blossom Fund.
15.6 Your investment as shown in your Grow Account is held only on the terms of the Blossom Fund.
15.7 Your investment in your Grow Account is not protected by any government guarantee.
15.8 Investments in the Blossom Fund can only be made by an application made to Blossom RE, which can be accessed via the Grow service in the App.
15.9 Please see the Blossom Fund PDS for important information.
15.10 Humanforce may, from time to time, in its absolute discretion, choose to pay a discretionary promotional amount (Bonus) into the balance in your Grow Account. The terms of a Bonus may be changed or withdrawn without notice. For the avoidance of doubt, this Bonus is paid by Humanforce and not Blossom RE or BlossomApp.
15.11 Humanforce will not charge you any fees to use the App in connection with your Grow Account. In particular (but without limitation) we will not charge you to, by means of facilities provided in the App:
a. register for and activate a Grow Account;
b. set goals; and / or
c. withdraw funds from your Grow Account into your Bank Account.
15.12 If Humanforce and Blossom terminate their arrangement, you will be sent a one-time password to activate your new direct access to your Blossom Fund account. Your existing investment in the Blossom Fund will not be affected by the termination of, or any other change to, the arrangement between Humanforce and Blossom.
16. Default
16.1 You are in default under these Terms or a Feature Agreement if one or more of the following occur (Default):
a. you fail to make a repayment in full on the due date and do not remedy the failure within 7 days; or
b. your Authority to Deduct or Direct Debit Authority are revoked, or cease to be effective and are not replaced; or
c. you breach a term or warranty under these Terms or a Feature Agreement, and the breach is not capable of remedy or you do not remedy the breach within 7 days.
16.2 If you are in Default, Humanforce may take one or more of the following actions:
a. suspend your App profile, your ability to make further Offers or your ability to make further Grow Contributions by means of the App;
b. request you immediately repay all amounts that you owe to Humanforce;
c. take enforcement action if applicable;
d. to the extent permitted by law, notify a CRB of your default after issuing any statutory notices including notice of the relevant CRBs name and contact details, and any required period has passed - which may impact your credit history; or
e. take any other action available at law.
16.3 You may also become liable for reasonable enforcement expenses.
17. Termination
17.1 You may terminate your use of the App or a Feature Agreement at any time, subject to paying in full all amounts that you owe to Humanforce and any terms that apply to a Feature Agreement, Grow Account, Blossom Fund investment or third-party service.
17.2 Humanforce may terminate or suspend your access to the App or a Feature Agreement immediately without notice in the event of a Default, fraud, suspected fraud, misuse, security concerns, if required for regulatory, compliance, operational or risk reasons, or otherwise upon reasonable notice to you.
18. Your warranties
18.1 By using the App or entering into a Feature Agreement, you warrant to Humanforce that:
a. all information you have provided to Humanforce is correct;
b. you will not allow another person to use your App profile, and you will protect your security credentials;
c. you have capacity to enter these Terms and any Feature Agreement and are a resident in a country in which the App and the relevant features are offered;
d. your employment has not been terminated by your Employer;
e. you have not resigned from your Employer;
f. you have worked, and you are entitled to the wages you are using to Stream or make Grow Contributions through Humanforce;
g. you are not bankrupt or insolvent at the time of making an Offer, and making the Offer will not cause you financial hardship;
h. you understand that a Stream is a loan;
i. you have made your own enquiries about whether using Humanforce Benefits is appropriate for you; and
j. you will keep your employment and contact details updated and will regularly check your communication methods for correspondence from Humanforce.
19. Your key obligations
19.1 You must provide accurate Bank Account details in which to receive payments. Humanforce can ask its account holder to investigate an incorrect payment, but cannot guarantee the return of lost funds, and is not liable for any incorrect payments.
19.2 You must protect your App security credentials, and notify Humanforce immediately if you suspect your security has been compromised.
19.3 You must give your Employer a valid and standing Authority to Deduct and give Humanforce a valid Direct Debit Authority, and update your Direct Debit Authorisation if your nominated account changes.
19.4 You must inform your Employer or Humanforce if you have reason to believe your available amount shown on the App is incorrect.
19.5 You must promptly tell Humanforce if your personal or bank information changes.
19.6 Humanforce is not responsible for any payment processing errors or fees or other App issues arising from your failure to keep us or your Employer updated.
20. Leaving your Employer
20.1 If your employment is terminated, you resign or you otherwise are no longer employed by your Employer:
a. Your access to some or all of Humanforce Benefits may be suspended, restricted or cancelled, including your ability to receive Streams or make any additional Grow Contributions or access Rewards;
b. You must not use the App to access any features for which employment is required including Streaming or Grow;
c. You must notify Humanforce if the App appears to allow you to access a feature for which you are no longer eligible.
20.2 If you continue to use the App after leaving your employer, Humanforce may contact you where needed in connection with your use of the App. These communications are necessary for the continued functionality and your use of the App and its features. Any such communication will be conducted in accordance with applicable laws.
20.3 Subject to applicable law, the terms that apply to Grow and any operational requirements, you may still have the ability to:
a. keep your Grow Account active within the Blossom Fund through the App;
b. withdraw all funds from your Grow Account;
c. request that Humanforce cancels your goal within Grow; and
d. if relevant, access Learn and Coach.
21. Privacy
21.1 Humanforce handles personal information in accordance with the Humanforce Benefits Collection Notice, the Humanforce Benefits Privacy Policy and the Humanforce Privacy Policy.
21.2 Humanforce may monitor and record phone calls and other communications for customer service, quality, regulatory, training, security and evidentiary purposes, where permitted by law.
21.3 If you use a feature provided by Blossom, a Reward Provider or another third-party provider, that provider may also collect and handle your personal information under its own privacy policy.
21.4 You acknowledge that Humanforce may disclose personal information to your employer where needed for employer-sponsored features, eligibility, payroll related instructions, Rewards, benefits, reporting, compliance, security, misuse investigations or operation of Humanforce Benefits.
21.5 You acknowledge that Humanforce may disclose personal information to your Employer, Reward Providers, Blossom, and other partners where needed to provide, process, manage or support features made available to you or that you choose to use, including Streaming, Grow and Rewards, and to resolve problems or complaints.
21.6 Where you choose to access optional partner services offered via the App, such as insurance, mortgage refinancing, or other services, you consent to Humanforce disclosing your personal information to those external service providers or their licensed representatives to facilitate your request. We will only make such disclosures where you have expressly indicated interest in these services and consented to the disclosure either via the App or as part of onboarding.
21.7 Any disclosures made by Humanforce will be made in accordance with the Humanforce Privacy Policy, Humanforce Benefits Privacy Policy and applicable privacy laws.
21.8 By using the App, you acknowledge that personal information may be collected, used and disclosed as described in the applicable privacy notices and policies. Where required by law, we or the relevant provider will seek your consent. If you have any concerns or would like to withdraw your consent at a later stage where processing is based on consent, please contact us at privacy@humanforce.com.
22. Resolving problems
22.1 If you have any issues, please contact us at thrive-support@humanforce.com. Humanforce may require you to identify yourself and (if applicable) provide a copy of your relevant pay slip to assist with your query.
22.2 Humanforce will attempt to resolve your problem at its earliest convenience, and at the very least, will aim to provide you with a written acknowledgement within 5 Business Days, with a substantive response to follow within a reasonable timeframe.
22.3 Disputes only involving your investment in your Grow Account may always be made directly to Blossom RE. Please see the Blossom Fund PDS.
23. Notices and communications
23.1 You agree that Humanforce and, where relevant, a provider of a feature you use may give you notices and other communications electronically, including through the App, by email, SMS, push notification or using other contact details in your App profile or provided by your employer.
23.1 As Humanforce Benefits are accessed using an app, if you withdraw your consent to be contacted electronically, Humanforce or the relevant provider may suspend your access to the App or relevant features where electronic communications are necessary to provide them.
23.3 You may give Humanforce notice in writing by email to thrive-support@humanforce.com or by post or hand delivery to Level 10, 90 Arthur Street, North Sydney, NSW 2060, AUSTRALIA.
24. Variations
24.1 Humanforce may vary these Terms or introduce new fees, as they will apply to any future Offer that you may make, by giving you at least 5 Business Days’ notice.
24.2 If you do not agree to a variation, you may terminate your App profile without cost. Otherwise, your continued use of Humanforce Benefits products, services and the App is deemed acceptance of the variations.
25. AML/CTF and other relevant laws
25.1 You acknowledge and agree that:
a. Humanforce must, where applicable, undertake customer identification, verification and monitoring under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), and the related Rules (AML Laws), and may take any action (or inaction) that Humanforce considers is necessary to comply with AML Laws, including suspending or terminating your App profile;
b. you will provide all information and documents reasonably requested to enable Humanforce to comply with relevant laws in Australia or another country; and
c. Humanforce may disclose information about you, or your transactions for any regulatory or legal purpose.
26. Limitation of liability
26.1 Nothing in these Terms or any Feature Agreement limits or excludes any liability to the extent the same cannot be limited or excluded at law.
26.2 Subject to clause 26.1, Humanforce’s maximum liability in contract, tort (including negligence) or otherwise under or in connection with these Terms or any Feature Agreement shall be limited to an amount equal to the total fees actually paid by you to Humanforce under these Terms or the relevant Feature Agreement in the 12 months preceding the event giving rise to the claim, or $100, whichever is lower.
26.3 Subject to clause 26.1, Humanforce is not liable in contract, tort (including negligence) or otherwise under or in connection with these Terms or any Feature Agreement for any indirect, consequential or other loss or damage which may arise out of, or in connection with these Terms or any Feature Agreement, or for any failure or delay resulting from any matter beyond Humanforce’s reasonable control.
27. General matters
27.1 Humanforce may assign, novate, or transfer its rights or obligations under these Terms or any Feature Agreement without your consent.
27.2 These Terms and any Feature Agreement are personal to you and you may not assign, novate, or transfer your rights or obligations under these Terms or any Feature Agreement without Humanforce’s consent.
27.3 If Humanforce does not exercise a right or remedy fully or at a given time, Humanforce can still exercise it later at our discretion.
27.4 These Terms and any Feature Agreement are governed by the laws as set out in the Country Schedule applicable to the country in which your employer is located.
27.5 If any provision of these Terms or any Feature Agreement is or becomes invalid, unenforceable or contravenes any mandatory law or regulation, then it is to be treated as deleted, and will not affect the remaining provisions of these Terms or any Feature Agreement.
28. Definitions
App means the Humanforce Thrive app and any related applications supplied by Humanforce that enable eligible users to access and use Humanforce Benefits.
Authority to Deduct means the authorisation and instruction given by you to your Employer to repay any Streams, pay any applicable fees or make any Grow Contributions by way of a disbursement of your Pay to Humanforce or the Blossom Fund at the end of a Pay Period.
Bank Account means a nominated bank account into which you receive your Pay.
Blossom Fund is a unit trust as a registered managed investment scheme ARSN 645 889 998 operated by Blossom RE.
Blossom Fund PDS means the product disclosure statement for the Blossom Fund current at the time.
Blossom RE means Gleneagle Asset Management Limited ABN 29 103 162 278 AFS Licence No. 226 199.
BlossomApp means BlossomApp Pty Ltd ACN 644 216 151 (CAR # 1284228 of Blossom RE).
Business Day means a day on which banks are open for business in Sydney excluding a Saturday, Sunday or public holiday. Any obligation required to be performed on a day that is not a Business Day must be performed on or by the next Business Day unless expressly stated otherwise.
Country Schedule means the schedule to these Terms setting out the country-specific terms that apply in the country in which your employer is located.
Humanforce Group companies means Humanforce Holdings Pty Ltd (ACN 618 020 401) and its related bodies corporate and affiliates.
Direct Debit Authority means the authorisation and instruction given by you to Humanforce to direct debit your Account to repay any Stream(s) (including any applicable fees), or other amounts owing to Humanforce under these Terms or a Feature Agreement as they become due.
Feature Agreement means the agreement formed between you and Humanforce or the relevant provider when you access, request, activate, accept, redeem or use a feature made available through the App. A Feature Agreement may include these Terms, any applicable feature-specific terms, offer terms, acceptance terms, product disclosure documents, direct debit terms, Authority to Deduct, reward provider terms, partner terms, notices, disclosures, consents, confirmations, instructions, limits, fees or other terms that apply to that feature.
Grow Account means the investor account as recorded and determined by Blossom RE, reflecting the value of your investment from time to time in the Blossom Fund.
Grow Contribution means a request made via the App to direct a proportion of your Pay to investment by you in the Blossom Fund.
Humanforce, we, us or our means Humanforce Holdings Pty Ltd (ACN 618 020 401) and, where applicable, its related bodies corporate and affiliates.
Humanforce Benefits means the benefits, features, tools and services made available to you through the App from time to time, which may include Streaming, Grow, Reward Points, Rewards, benefits, vouchers, gift cards, offers and other features.
Offer means a request made via the App to Humanforce to borrow a proportion of your accrued but unpaid Pay before the relevant Reconciliation Date to your Bank Account.
Pay means the remuneration paid by your Employer to you for work carried out during the relevant Pay Period, as its employee (less any applicable deductions).
Pay Period means the period of time in which your Pay is accrued and paid (for example, weekly, fortnightly, bi-monthly or monthly).
Reconciliation Date means, unless otherwise agreed, the day upon which your Pay (less any Streams, applicable fees, or Grow Contributions) for any given Pay Period is paid to you.
Reward means any voucher, gift card, offer, benefit or other non-cash item made available through a rewards feature.
Reward Points means points issued or allocated through the App that may be redeemed for Rewards, subject to these Terms and any applicable Reward Provider terms.
Reward Provider means an independent third-party provider, issuer or platform that issues, fulfils, manages or supports Rewards.
Stream means, if Humanforce accepts your Offer, the loan proceeds paid to your Bank Account.
COUNTRY SCHEDULES
The following Country Schedules set out the country-specific terms that apply to use of the App and Humanforce Benefits based on the country in which your employer is located.
Schedule 1 — Australia
Available Features: All features made available in Australia including, but not limited to Streaming, Grow, Learn & Coach, Perks and Rewards & Recognition, subject to your Employer’s arrangement with Humanforce.
Governing Law: the laws of New South Wales, Australia.
Relevant Laws: the Privacy Act 1988 (Cth) and the Australian Privacy Principles, together with the Spam Act 2003 (Cth) and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), as applicable.
Regulator: the Office of the Australian Information Commissioner (OAIC).
External Dispute Resolution Scheme: the Australian Financial Complaints Authority (AFCA).
Complaints: we will acknowledge and seek to resolve privacy complaints within a reasonable time and in any event within 45 days, and will provide a final written response. You may also complain to the OAIC.
International transfers: where we disclose personal information to overseas recipients, we take reasonable steps to ensure they handle it consistently with the Australian Privacy Principles, or otherwise rely on a permitted exception under APP 8.
Schedule 2 — United Kingdom
Available Features: Rewards & Recognition.
Governing Law: the laws of England and Wales.
Privacy Laws: the UK GDPR and the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations 2003 in respect of electronic marketing.
Regulator: the Information Commissioner’s Office (ICO).
International transfers: transfers of personal data outside the UK are made only under an approved transfer mechanism (for example, the UK IDTA or the UK Addendum to the EU standard contractual clauses).
Local variations: marketing communications will be sent only on an opt-in basis; personal data is processed on a lawful basis under the UK GDPR.
Schedule 3 — European Union
Available Features: Rewards & Recognition.
Governing Law: the laws of Ireland.
Privacy Laws: the General Data Protection Regulation (EU) 2016/679 (GDPR) and applicable member-state data protection and e-privacy laws.
Regulator: the competent supervisory authority (data protection authority) in the relevant member state.
Local variations: personal data is processed on a lawful basis under the GDPR; marketing on an opt-in basis; any transfer of personal data outside the EEA is made only under an approved transfer mechanism.
Schedule 4 — United States
Available Features: Rewards & Recognition.
Governing Law: the laws of New South Wales, Australia, except to the extent that mandatory applicable US federal or state laws apply, in which case those mandatory laws will govern.
Privacy Laws: applicable US federal and state privacy laws, including the California Consumer Privacy Act (as amended) where applicable.
Regulator: applicable federal or state regulator, where relevant. Local variations: subject to mandatory applicable US federal and state laws.
These Terms were last updated on 2 September 2026. Be aware that these terms may change. Please check your email for notification of any changes.
