Question 1

Huddle Travel Cover Terms and Conditions

Accepted Answer

* You could receive 20% off the premium on Eligible Policies when you start a quote with Huddle Insurance via the Smart offer button included in this communication during the Offer Period (12:01am AEDT on 16 February 2026 to 11:59pm AEST on 31 December 2026). Eligible Policies are Huddle International Single-Trip Travel Insurance and Huddle Domestic Single-Trip Travel Insurance. Eligible customers are Australian residents who meet the eligibility criteria for the selected policy. The applicable discount is automatically applied to your quote each time you access Huddle through the Smart tracked referral link during the Offer Period. If you leave the quote journey and return again via the Smart referral link, the discount will apply again. If you access Huddle directly without using the Smart referral link, the discount will not apply. The discount applies to the premium only and excludes taxes, government charges and the policy arrangement fee. This offer cannot be used in conjunction with any other Huddle promotional offer. Huddle reserves the right to change or withdraw this offer at any time, subject to applicable law. 
** Smart Flight Delay is only included with Huddle&rsquo;s International Black Comprehensive plan. You'll need to register your flight(s) at least 2 hours before your flight's scheduled departure time. You can register all of the flights on your international trip. If your flight is delayed for more than 60 minutes from its originally scheduled departure time, you'll receive an email with a complimentary voucher for you and up to four guests flying with you. Other Huddle terms and conditions apply. 
Huddle travel insurance is arranged, administered and issued by Huddle Insurance, a business name of Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712, on behalf of the insurer, certain underwriters at Lloyd's. Open acts as an agent of the insurer and not on your behalf. Any information is general information only, is not intended as a recommendation and does not take into account your individual needs, objectives or financial situation. You should carefully read the relevant Combined Financial Services Guide and Product Disclosure Statement, and consider the relevant Target Market Determination to help you decide if the product is right for you.  
This is general information provided by Smartsalary Pty Ltd, a SmartTM company (Smart). This insurance is offered by Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712 (Open). Smart may receive commission from Open in respect of any transactions that result from the referral. Any personal information provided to Open as part of this transaction will be held, stored and used in accordance with Open's Privacy Policy, available at: Terms Australia. Open may also share details about you, including your personal information, with Smart and you agree to Smart&rsquo;s Privacy Collection Statement, Privacy Policy and Smart contacting you about its services.

Question 2

Finspo Terms and Conditions

Accepted Answer

Smart may receive commission and/or administrative fees from Finspo, (as the case may be), in respect of any transactions that result from the referral. The personal meeting mortgage health check is offered by Lab35 Pty Ltd trading as Finspo, Australian Credit Licence Number 521120. Any personal information provided to Finspo as part of the Mortgage Health Check will be held, stored and used in accordance with the Finspo Privacy Policy: finspo.com.au/privacy-policy. Finspo may also share details about you, including your personal information, with Smart and you agree to Smart&rsquo;s Privacy Collection Statement, Privacy Policy and Smart contacting you about its services

Question 3

*Harvey Norman Terms and Conditions

Accepted Answer

* Discount does not include Microsoft Surface Pro or Apple products.
** Tax savings achieved through salary packaging will depend on your income tax bracket and personal circumstances.
^ As per ATO guidelines, portable electronic devices must be used primarily for work purposes (over 50%) to be salary packaged. Generally, you can salary package one portable electronic device every FBT year (1 April&ndash;31 March), however, depending on your employer&rsquo;s policy, multiple devices may be allowed. Visit smart.com.au/salary-packaging-benefits/portable-electronic-device/ and enter the name of your employer for full terms and conditions and eligibility.

Question 4

*Best for Pet Terms and Conditions

Accepted Answer

*First month free offer available to Smart and AccessPay customers who sign up to a new Best for Pet Wellness Plan annual membership using promo code SMART1MWP. Offer applies to new memberships only and is not transferable or redeemable for cash. Membership is for a 12-monthterm and automatically renews annually unless cancelled. Cancellation terms and fees may apply. Offer may be varied or withdrawn at any time. Full terms and conditions apply and are available at Best for Pet Terms and Conditions.

Question 5

# Count Financial Terms and Conditions

Accepted Answer

This is general information only. Before entering into any salary packaging arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a Smart&trade; company
Smartgroup Benefits Pty Ltd ABN 89 119 344 740 a Smart&trade; company, may receive a referral fee from Count Ltd ABN 11 126 990 832 (Count) for any transaction that results from the referrals to Count, Count Financial Ltd ABN 19 001 974 625 AFSL 227232, GPS Wealth Ltd ABN 17 005 482 726 AFSL 254544, Merit Wealth Pty Ltd AFSL 409361 and Paragem Pty Ltd ABN 89 125 557 002 AFSL 297276 (each a Count subsidiary) or any authorised representatives and financial advisers of a Count subsidiary. Any personal information provided to Count, a Count subsidiary, an authorised representatives and financial adviser as part of the referral will be held, stored and used in accordance with Count's Privacy Policy, available at: www.count.au/privacy

Question 6

~Enreal promotion terms and conditions

Accepted Answer

~ The Cheaper Home Battery Program is a Federal Government initiative. Enreal is a brand of Intellihub Australia Pty Ltd (ACN 626 079 614). An Enreal subscription cannot be salary packaged. The subscription cost is deducted separately from your post-tax salary. By proceeding, you agree to Enreal's Terms of Use and Privacy Policy. You understand that a success fee may be payable from Intellihub to Smartgroup Benefits Pty Ltd (ACN 119 344 740) if you purchase one or more products from Intellihub.

Question 7

^^ Salary packaging testimonials disclaimer

Accepted Answer

^^ Testimonial provided by employee customers of Smart when asked about their experience salary packaging a Personal Electronic Device with Smart.

Question 8

Latest Deals terms and conditions

Accepted Answer

* Fortnightly price is based on the following assumptions: (1) living in NSW 2000, (2) salary: $100,000 gross p.a., (3) travelling 15,000 kms p.a., (4a) lease term for BMW iX1: 4-years, (4b) lease term for all other vehicles: 5-years, and (5) salary sacrifice using Employee Contribution Method (ECM) and FBT Exempt Method for Electric Car Discount eligible EVs. Images shown may not be the exact car that the calculations have been based on. All figures quoted include budgets for finance, charging and/or fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance, Hydro Platinum Pack and re-registration over the period of the lease. Vehicle residual, as set by Australian Taxation Office, is payable at the end of lease term. The exact residual amount will be specified in your vehicle quote. Figures are indicative only and based on quotes obtained by Smart from its dealership network in November 2026.
^ Fringe Benefits Tax (FBT) exemption available for eligible electric or hydrogen cell vehicles purchased through a novated lease up to the Luxury Car Tax limit ($91,661 in FY 2026-27). See the Australian Taxation Office website for full eligibility criteria.

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