By submitting an enquiry, making a referral, or otherwise participating in the Program, you agree to be bound bythese Terms and Conditions ("Terms").
Last Updated: 04/09/2026
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1.  Eligibility
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1.1  The Program is open to current, financial members of CPA Australia ("CPA Members") who are individuals aged 18 years or over and residents of Australia.
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1.2  We may require reasonable proof of current CPA Australia membership (for example, a membership number or confirmation from CPA Australia) before a benefit is issued. We reserve the right to verify membership status directly or indirectly and to decline participation where membership cannot be confirmed.
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1.3  The Program is available to CPA Members personally, and to clients referred by a CPA Member, as set out in clause 2.
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1.4  Employees, contractors, and immediate family members of My Mortgage Freedom Pty Ltd, BRYX, Freedom Commercial, or their related entities are not eligible to receive the $300 cashback benefit but may access the Priority Queue and White-Glove Concierge service.

2.  The $300 Cashback Benefit
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2.1  A CPA Member is eligible to receive a $300gift card ("Cashback") for each Eligible Settlement, being either:
•      a loan for a client referred by the CPA Member to MMF ("Referred Client"); or
•      a loan arranged for the CPA Member's own personal or business finance needs where the CPA Member is the borrower or a guarantor.
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2.2  An "Eligible Settlement" means a loan application that is submitted to and approved by a lender, and which formally settles (funds are drawn down/disbursed) through MMF or Freedom Commercial, as applicable.
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2.3  There is no cap on the number of Eligible Settlements a CPA Member may generate, and no cap on the total Cashback a CPA Member may receive under the Program, subject to these Terms and to any legal or regulatory limits that may apply from time to time.
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2.4  Cashback is issued only once per Eligible Settlement. Where more than one CPA Member refers the same client, or a claim to the same referral is disputed, MMF will determine in its reasonable discretion which CPA Member (if any) is entitled to the Cashback, and that decision is final.
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2.5  Gift cards are issued after formal settlement has occurred and been confirmed by the relevant lender. MMF will use reasonable efforts to issue the gift card within 30 days of confirmed settlement, but timing may vary depending on lender processes outside our control.
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2.6  Gift cards will be issued in the name of, and sent to, the CPA Member who is recorded as making the referral (or who is the eligible borrower/guarantor under clause 2.1(b)), using the contact details provided at the time of referral or enquiry.
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2.7  Gift cards are subject to the terms and conditions of the issuing gift card provider, including any expiry date, and MMF is not responsible for the acts or omissions of that provider once the giftcard has been issued.
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2.8  Gift cards have no cash-out value, cannot be exchanged for cash, and are not transferable once issued, except as permitted by the gift card issuer's own terms.
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2.9  The Cashback may constitute assessable income or otherwise have tax implications for the recipient. MMF does not provide tax advice, and each CPA Member is responsible for determining and meeting their own tax obligations arising from participation in the Program. CPA Member sshould seek their own independent tax advice.
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2.10  Referrals must be made in good faith and reflect a genuine introduction of a new client or a genuine personal finance need. MMF reserves the right to withhold or reclaim a Cashback where it reasonably believes a referral has been fabricated, manipulated, or made inbreach of these Terms, applicable law, or MMF's Credit Guide and compliance obligations (including responsible lending obligations).

2.11 By submitting a referral, the CPA Member confirms they have the Referred Client's consent to share their contact details with MMF for the purpose of the Program.

3.  Priority Queue and White-Glove Concierge Service
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3.1  CPA Members will receive priority handling of enquiries relative to MMF's standard enquiry channels, including:
•      same-day callback or priority queue handling, subject to business hours and reasonable operational capacity;
•      a target response time of less than 4 business hours for lending queries; and
•      access to a CPA Helpdesk for finance questions or client scenarios, with a target response within 24 hours.
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3.2  These response times are service targets only and are not guaranteed outcomes. They may be affected by matters outside MMF's control, including public holidays, staff availability, system outages, and the volume or complexity of enquiries. Failure to meet a stated target does not entitle a CPA Member to compensation, unless required by law.
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3.3  The White-Glove Concierge service describes MMF's standard of service to CPA Members and does not constitute a guarantee of loan approval, a particular interest rate, or any specific lending outcome.
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3.4  "Business hours" means MMF's standard operating hours as published on its website from time to time, and excludes weekends and Victorian/national public holidays unless otherwise stated.

4.  Credit and Lending Disclaimer
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4.1  Nothing in the Program constitutes credit assistance, a loan approval, or a guarantee that any application will be approved. All applications remain subject to MMF's normal credit assessment, responsible lending obligations, and the relevant lender's credit criteria, valuation, and approval processes.
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4.2  Any information provided as part of this Program is general in nature and does not take into account your objectives, financial situation, or needs. You should consider obtaining independent financial and/or legal advice before entering into any credit contract.
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4.3  MMF is a credit representative/licensee operating under Australian Credit Licence 473797. Full details of our services, fees, and obligations are set out in our Credit Guide, available on request or via our website.

4.4 CPA Members should be aware of, and comply with, any professional obligations to disclose to the Referred Client that a referral fee or benefit is being received in connection with the referral.

5.  Program Changes, Suspension, and Termination
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5.1  MMF reserves the right, at its sole discretion and without liability, to amend, suspend, or terminate the Program (including the Cashback amount, eligibility criteria, or service commitments) at any time, with reasonable notice published on our website where practicable.
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5.2  Any Eligible Settlement that has already occurred prior to a change taking effect will continue to be honoured under the Terms that applied at the time the referral was made, unless required otherwise by law.
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5.3  MMF may refuse, withhold, or withdraw a benefit under the Program where it reasonably suspects fraud, misuse, a breach of these Terms, or conduct that could expose MMF to legal or regulatory risk.

6.  Privacy
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6.1  Personal information collected as part of the Program (including your name, contact details, and referral details) will be handled in accordance with MMF's Privacy Policy, available on our website.
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6.2  By participating in the Program, you consent to MMF using your contact details to communicate with you about your enquiry, referral, and the Program, including issuing your Cashback.

7.  Limitation of Liability
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‍7.1  To the maximum extent permitted by law, MMF excludes all liability for any indirect, consequential, or special loss or damage arising from or in connection with the Program, except for liability that cannot be excluded under the Australian Consumer Law or other applicable law.
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7.2  Nothing in these Terms excludes, restricts,or modifies any consumer guarantee, right, or remedy that cannot lawfully be excluded, restricted, or modified.

8.  General
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‍8.1  These Terms are governed by the laws of Victoria, Australia, and each party submits to the non-exclusive jurisdiction of the courts of Victoria.
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8.2  If any provision of these Terms is found to be invalid or unenforceable, that provision will be severed and the remaining provisions will continue in full force.
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8.3 This offer is made available to CPA Australia members as a participating provider in CPA ustralia's Member Benefits program. CPA Australia does not endorse, warrant, or accept liability for the Program, its administration, or the issuance of any Cashback.

Contact
My Mortgage Freedom Pty Ltd
‍2 Albert Place, South Melbourne VIC
Phone: 03 8256 1914
ACN: 154 046 965  | Australian Credit Licence: 473797
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