TERMS
AERA Credits Terms and Conditions
Last Updated: 1 July 2026
SUMMARY
These Terms and Conditions give you detailed information about how Aera Credits (the "Credits") work. The Credits are offered by Aera 22 Opco Limited solely ("Aera").
Aera Credits is a rewards program for Aera Account holders. Members can earn up to $10,000 in real cash through two paths: milestone credits (up to $5,000) and referral credits (up to $5,000). Both are redeemed as real cash at settlement.
Aera Credits is a rewards programme for Aera Account holders. It has been created to help you get into your first home fast. Aera will generate credits (as determined by Aera from time to time in Aera's sole discretion) that can be redeemed as real cash at settlement towards your first home purchase.
Credits have no redeemable value until settlement. They can only be redeemed when you use eligible Aera services to complete your first home purchase, and only if you continue to hold an Aera Account at that time. Any change to the redemption process is at the sole discretion of Aera.
Credits hold no value for any other purpose and are automatically forfeited when you cease to actively engage with the App.
Only one account holder's Credits can be redeemed per property. Stacking of multiple account holders' Credit balances against a single property purchase is not available at this time. We may enable stacking for some Credits in the future.
Aera reserves the right to change the terms of the Credits, including but not limited to with respect to eligibility, the amount or type of Credits, and the requirements for using Credits, at any time and with or without notice to you.
For more information about Aera Credits, please contact us at support@aera.nz
Aera Credits is a rewards program for Aera Account holders. Members can earn up to $10,000 in real cash through two paths: milestone credits (up to $5,000) and referral credits (up to $5,000). Both are redeemed as real cash at settlement.
Aera Credits is a rewards programme for Aera Account holders. It has been created to help you get into your first home fast. Aera will generate credits (as determined by Aera from time to time in Aera's sole discretion) that can be redeemed as real cash at settlement towards your first home purchase.
Credits have no redeemable value until settlement. They can only be redeemed when you use eligible Aera services to complete your first home purchase, and only if you continue to hold an Aera Account at that time. Any change to the redemption process is at the sole discretion of Aera.
Credits hold no value for any other purpose and are automatically forfeited when you cease to actively engage with the App.
Only one account holder's Credits can be redeemed per property. Stacking of multiple account holders' Credit balances against a single property purchase is not available at this time. We may enable stacking for some Credits in the future.
Aera reserves the right to change the terms of the Credits, including but not limited to with respect to eligibility, the amount or type of Credits, and the requirements for using Credits, at any time and with or without notice to you.
For more information about Aera Credits, please contact us at support@aera.nz
REDEMPTION OF CREDITS
Credits can be redeemed when utilising Aera's services to purchase your first home. Settlement is the trigger — Credits have no redeemable value until your first home purchase settles. The maximum amount redeemable is $10,000, made up of two earning paths:
Milestone Credits — up to $5,000
- Setting up your profile
- Completing learning modules
- Working with your Aera coach
- Building your Game Plan
Milestone credits are redeemed as real cash at settlement when you use Aera's First Home Coaches to purchase your first home. To redeem, you must be an active member and have completed all eligible milestones shown in the app at the time of purchase (unless otherwise agreed to by Aera).
Referral Credits — up to $5,000
Earned when people you refer settle their first home through Aera. Referral credits are not earned at sign-up — settlement of the referred member's first home is the trigger. Referral credit tiers:
- 1st successful referral settlement → $750
- 2nd successful referral settlement → $1,250
- 3rd successful referral settlement → $3,000
Both milestone and referral credits are redeemed as real cash at settlement, when you use Aera's First Home Coaches to purchase a suitable brand new home from an introduced Developer.
Register
By registering for an account with Aera and opting into the Credits, you accept these Terms and Conditions.
Changes to the Terms or Program
Generally, we may make changes to the Program, and this Agreement, at any time. For example, we may:
Add new terms or delete existing terms
Change how you earn the Aera Credits
Change how you use or redeem your Aera Credits
We may also temporarily prohibit you from earning Credits or using any other feature of the Program. We may supplement this Agreement with additional terms, conditions, disclosures, and agreements, which will be incorporated into this Agreement.
We may provide you notice of these types of changes in writing, which, at our option, may be delivered to you electronically through email or through our online services.
When You Will Not Be Able to Earn Credits
We may temporarily suspend your Account from earning Credits, or redeeming Credits you have earned, if any of the following occurs:
- If we believe you have engaged in fraudulent activity related to your Account or the Program.
- If we believe you have misused the Program in any way.
Termination of the Program
Modification; Suspension; Termination. We reserve the right in our sole discretion to modify, suspend, or discontinue the Program, or any features or parts thereof, whether temporarily or permanently, at any time with or without notice to you in our sole discretion.
Effect of Termination. To the fullest extent permitted by applicable law, we shall have no additional liability or obligation to you in such an event.
