Terms of Service

What Zamn Perks is

Zamn Perks is a directory. We list current signup bonuses and welcome offers from Australian banks, crypto exchanges, brokers, and other financial and consumer products. When you tap a listing you leave zamn.io and land on the partner's own site.

Zamn is not the party running any of these offers. We do not open accounts for you, hold your money, execute trades, quote insurance, or advise on any financial product. The partner runs the program. We just point at it.

Who can use Zamn Perks

To use Zamn Perks and to claim anything through a link on our site, you need to be at least 18 years old and an Australian resident for tax purposes. You also need to not be otherwise excluded by the partner you are signing up with. Most partners have their own eligibility rules on top of ours, including things like a minimum ID standard, residency in specific states, or not already being a customer.

You are responsible for reading the partner's terms

Each partner has its own terms and conditions, its own product disclosure statement or target market determination where relevant, its own privacy policy, and its own bonus rules. We do our best to summarise the offer accurately on the listing card. The partner's own documents are the ones that actually govern the offer and your account.

Before you sign up, read what the partner sends you. If our summary and the partner's own terms disagree, the partner's own terms win.

How Zamn gets paid

Zamn is a referrer. When you sign up through a link on /perks and meet the partner's bonus conditions, the partner pays Zamn a referral bounty. That is how we keep the lights on.

You are not paying us. You never pay Zamn to use /perks and Zamn never takes a cut of your signup bonus. The customer-facing bonus advertised on each listing is what you get from the partner, in full, on the partner's own timing.

Offers change without notice

Signup bonuses are volatile. Amounts move, eligibility rules get tightened, minimum deposits change, promo end dates get pulled forward, and offers get pulled entirely. That is the partner's call, not ours.

We try to keep the directory accurate. We cannot promise the offer you see on Zamn will still be live, at the same amount, or on the same terms by the time you complete signup with the partner. Confirm the offer on the partner's page before you commit.

This is not financial advice

Nothing on Zamn Perks is personal financial, tax, or legal advice. Zamn does not hold an Australian Financial Services Licence and Zamn is not your broker or your adviser. The listings describe an offer. They do not tell you whether opening a bank account, buying crypto, or signing up for a broker is right for you.

Before you open a financial product, read the Product Disclosure Statement and Target Market Determination the partner provides. If you are unsure whether a product suits you, speak to a licensed adviser.

Zamn controls what appears on the directory

We choose what to list and what to hide. We can add a listing, remove a listing, pause a listing, reorder the directory, edit descriptions, or change images at any time and for any reason. That includes commercial reasons: if a partner ends their referral agreement with us, that listing usually comes down.

We can also refuse or block a user from Zamn Perks if we reasonably believe the account is being used for abuse, fraud, or bot activity.

The $100 Mega Bounty

Zamn runs a promotion called the Mega Bounty. If you complete every live signup bonus on /perks and post proof in our Discord, Zamn pays you an extra AUD $100 on top of the customer bonuses you get from each partner.

The full rules, what counts as proof, and the anti-abuse conditions live at zamn.io/perks/bounty. The short version: one bounty per person, per household, per bank account. Screenshots of settled transactions get posted in Discord (https://discord.gg/hU6VMQRmDd) and reviewed by a Zamn operator. Payout is by PayID within 14 days of proof being confirmed. Zamn can pause, change, or cancel the Mega Bounty at any time.

Limitation of liability

Zamn Perks is provided as is. We do our best to keep it accurate and up to date, but we cannot guarantee that every listing is current, that every partner will honour their published bonus, that the partner's signup flow will work, or that the partner will pay you on time.

To the maximum extent allowed by Australian law, Zamn is not liable for losses that flow from the partner's actions, from an offer changing or being withdrawn, or from a partner declining your bonus. Where Zamn is liable to you for something under our control, our total liability to you is capped at the amount Zamn actually earned as a referral bounty from your signup, or AUD $50, whichever is lower.

Nothing in these terms tries to exclude rights you have under the Australian Consumer Law that cannot be excluded.

Changes to these terms

We may update these terms. When we do, we change the effective date at the top of this page. If a change is material, we will call it out on /perks so you notice.

Continuing to use Zamn Perks after the effective date changes means you accept the updated terms. If you do not accept them, stop using the directory.

Governing law and contact

These terms are governed by the laws of Victoria, Australia. Zamn Services (Australia) is based in Victoria and any dispute you have with us gets handled under Victorian law and in Victorian courts.

Questions, complaints, or a listing that looks wrong: email help@zamn.io. For Mega Bounty questions, the fastest path is our Discord at https://discord.gg/hU6VMQRmDd.