Acceptable Use Policy

1. Purpose

This Acceptable Use Policy forms part of the EziBills Terms of Service and outlines permitted and prohibited uses of the EziBills platform (the “Service”).

EziBills is designed to enable legitimate payments to genuine third parties using credit or debit cards. You must not use the Service in a way that creates financial, regulatory, or payment network risk.

2. Permitted Use

You may use EziBills to make legitimate payments to third parties, including:

• Rent or accommodation payments
• Invoices and business payments
• Tradies or professional services
• Utilities and household bills
• Education or medical payments
• Private purchases from unrelated third parties

All payments must represent genuine transactions for lawful goods, services, or obligations.

3. Prohibited Activities

You must not use EziBills for:

• Payments to yourself or accounts you control
• Payments to family members, associates, or related entities primarily to earn rewards
• Manufactured spending, reward arbitrage, or “cash cycling”
• Cash advance or cash-equivalent transactions
• Circular payments or recycled payments (directly or indirectly)
• Fraudulent, deceptive, or misleading activity
• Transactions involving illegal goods or services
• Attempts to bypass card issuer restrictions or blocked categories
• Using another person’s card or credentials without authorisation

4. Account Sharing

Your EziBills account is personal and must not be shared. You must not allow another person to access or operate your account unless authorised by EziBills in writing.

5. Monitoring and Enforcement

EziBills may monitor transactions and account activity to detect misuse. Where necessary, we may:

• Request additional verification or information
• Delay, refuse, or cancel transactions
• Suspend or terminate accounts
• Remove or reverse rewards obtained through prohibited activity
• Report suspicious activity where required by law

6. Payment Network Compliance

Card networks (including Visa, Mastercard, and American Express) prohibit transactions designed to simulate cash advances or artificially generate rewards. Misuse may result in action by your card issuer, including fees or account closure.

7. Consequences of Misuse

If we determine the Service has been misused, we may:

• Suspend or permanently close your account
• Cancel pending payments
• Forfeit rewards obtained through prohibited activity
• Recover losses or reasonable administrative costs where permitted
• Report activity to regulators or law enforcement where required

8. Changes to This Policy

We may update this Acceptable Use Policy from time to time. Continued use of the Service constitutes acceptance of the updated policy.

9. Contact

EziBills Limited
Email: support@ezibills.co.nz