My Home Terms and Conditions
Dated 8th February 2024 (edited for Rewards Release 3rd June 2025)
As a condition of your policy, you have certain responsibilities relating to the condition and maintenance of your home. My Home is a guide to help you take care of your home by forming good maintenance habits, but your Home Insurance policy has general exclusions for (meaning there is no cover for loss or damage caused by, connected with or arising from):
- “Wear, tear and gradual deterioration”, and
- Your home not being in “good condition”.
See ‘Things we don’t cover’ in the PDS for more details.
1. Introduction
1.1. My Home (‘Program’) is operated by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. (‘we’, ‘us’).
1.2. Your use of Program is subject to and indicates your acceptance of these Terms and Conditions and is also subject to the Suncorp Insurance App Terms and Conditions. From time-to-time competitions or offers may be available in association with Program use, and you will be notified of any additional terms and conditions that apply to them.
2. Eligibility and use
2.1. Program is only available through the Suncorp Insurance App to current Suncorp Home and Home & Contents combined Insurance customers with their policy linked in the App. Excludes Strata, Contents only or Landlord policies.
2.2. Program is solely for bona fide personal use and must not be used for any commercial purpose.
2.3. You must not:
2.3.1. reverse engineer Program or associated technology or use either in a service provider capacity;
2.3.2. use Program to store or transmit infringing, libellous or otherwise objectionable, unlawful or tortious material;
2.3.3. interfere with or disrupt the integrity or performance of Program; or
2.3.4. access Program to build a competitive service or product, or copy any feature, function or graphic for competitive purposes.
2.4. You agree:
2.4.1. that you are solely responsible for your data submitted to the Program;
2.4.2. that you may only use Program in accordance with these Terms and Conditions and applicable law;
2.4.3. to keep your Suncorp Insurance App password used to access Program secure and confidential; and
2.4.4. to use reasonable efforts to prevent unauthorised access to your account, including keeping your Suncorp Insurance App password secure, and to notify us if you become aware of any unauthorised access.
2.5. We may terminate your access to Program if we determine with reasonable grounds that your use of the service involves tampering, dishonesty or other conduct in breach of these Terms and Conditions
3. Information handling
3.1. We collect and use information you provide about your completion of Program tasks.
3.2. This information and related data analytics are used:
3.2.1. to provide the Program services, including sending task reminders and determining associated rewards (if applicable);
3.2.2. for our customer engagement, product and service research and development; and
By using Program, you consent to this collection and use. Your Program information and data analytics will not be used to make any decisions about an insurance policy you hold with us or any claims you may make.
3.3. For users who link a card to access Program’s retailer cashback rewards (see condition 4) we will share your user identification number with MasterCard Asia/Pacific Pte Ltd ABN 53 143 050 043 (‘Mastercard’) to enable reward access and redemption, but the card details you enter are not collected by us. They are encrypted and stored securely by a card vault service to enable monitoring of transactions as detailed in the Program Rewards Rules (condition 4). Mastercard may retrieve and analyse transaction data for up to 13 months prior to your card linking for the purpose of targeting and assigning personalised marketing offers.
3.4. For detail about how we generally handle your personal information, refer to Suncorp Insurance App Privacy.
4. Program Rewards Rules
4.1. To access the Program’s suite of retailer cashback rewards (‘Rewards’) you must:
4.1.1. hold and link an active eligible Suncorp Home or Home & Contents combined policy to the Suncorp Insurance App (Strata, Contents only, and Landlord policies are not eligible): and
4.1.2. have 3 completed tasks displayed in the Program's 'Completed tab' for that policy by the 1st calendar day of each month.
4.2. If you are eligible when checked on the 1st of the month (early morning), available Rewards will be unlocked for that month for activation. Tasks can be completed on multiple eligible policies, but Rewards will only be unlocked when at least one has 3 completed tasks in accordance with condition 4.1.2.
4.3. To receive the Rewards cashback, you must:
4.3.1. ‘activate’ the Reward via the Program’s rewards banner;
4.3.2. have linked a current Australian Mastercard or Visa card, which you will be prompted to do upon activating your first unlocked Rewards. This linking will allow your card network (Mastercard/Visa) to notify Slyp Pty Ltd of qualifying transactions on your card to facilitate cashback to that linked card. After linking your card for the first time, it can take up to 24 hours to be able to activate Rewards. Mastercard (for Mastercard cards) or Slyp Pty Ltd (for Visa cards) will monitor activity on your card to determine when you have made an eligible purchase to enable the cashback to that linked card; and
4.3.3 make an eligible purchase from the participating retailer using the linked card during the Reward period.
4.4 Rewards are for the original recipient and cannot be shared or forwarded. Payment must be made within Australia in AUD and directly to the merchant via your Australian linked card and not via third-party payment providers such as PayPal, Afterpay etc.
4.5 Rewards are subject to expiry dates set by the individual retailers and notified to you in the Suncorp Insurance App. Access to a Reward will end on the notified expiry date, or if you no longer meet the eligibility requirements listed in condition 4.1.
4.6 Any purchases you make to redeem a Reward are subject to the retailer’s terms and conditions, including those disclosed on Rewards details screen.
4.7 Duration between retail purchase with linked card and cashback may vary based on retailer policies (generally within 14 business days). Successful cashbacks will be shown in your linked card account and will include “Suncorp MyHome rewards”.
4.8. Listing of Rewards and the issue of cashback is facilitated by Mastercard. We do not collect or have access to your linked card information, and cashback details listed in the Suncorp Insurance App from monitored transactions are displayed by Mastercard.
4.9 To opt out of Rewards, you must login to the Suncorp Insurance App and delete all linked cards displayed on the 'Linked cards' screen. This request may take up to 48 hours to be processed.
Opting out of Rewards will terminate your eligibility to redeem Rewards associated with the Program and purge all associated transaction data.
4.10 If you have a pending cashback and delete your card from the Program, the cashback cannot be credited to your account, even though it may be listed on your ‘My cashback’ screen. It takes up to 3 business days for the transaction to be displayed in ‘My cashback’ but up to 14 business days for transactions to be credited to your account.
4.11 If you do not access and/or use the Program Rewards for a period of 12 consecutive months, you may be opted out from Program Rewards and any linked cards may be unlinked. You can opt back in at any time by linking a card again.
5. General
5.1. General advice in the How To instructions including suggested timeframes serve as a guide only and to the extent permitted by law we are not responsible or liable for any damage or injury occurred in performing any Program tasks or activities related to these tasks. You should make your own enquiries, always ensure appropriate safety measures are taken and engage a qualified professional if required.
5.2. While reasonable steps have been taken to ensure that information is free from error, subject to any applicable law which cannot be excluded (including warranties under the Australian Consumer Law), we do not guarantee the availability, accuracy, or performance of the service and any warranties not expressly provided in these Terms and Conditions are excluded.
5.3. Subject to any rights you may have under any applicable law (including the Australian Consumer Law) we and our related bodies corporate exclude all liability for any loss suffered or incurred in connection with your use of the Program, including any indirect, consequential, incidental, or special damages (including lost profits and loss or destruction of data). To the extent that such liability cannot be excluded, it is limited to the minimum allowable by law.
5.4. We and our suppliers (as applicable) retain all intellectual property rights in Program and associated technology, and no rights, title or interest is transferred to you.
5.5. You agree that Program and associated technology are our confidential information and may only be used as set out in these Terms and Conditions.
5.6. You agree that a breach of these Terms and Conditions may cause irreparable harm and we may seek an injunction against you to avoid any future breach.
5.7. We reserve the right to amend, suspend, or discontinue the Program at any time and for any reason, and to amend these Terms and Conditions to reflect updates or changes to the Program by publishing and notifying you of the varied Terms and Conditions.
6. Contact
For Program questions or issues, please contact or email appsupport@suncorp.com.au.
