Direct Debit Request Service Agreement

This is your Direct Debit Service Agreement with Billzy Pty Ltd, User Id 513583, ABN 26 602 796 298 (the Debit User). It explains what your obligations are when undertaking a Direct Debit arrangement with us. It also details what our obligations are to you as your Direct Debit provider. Please keep this agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR authorisation.

Definitions

account means the account held at your financial institution from which we are authorised by you to arrange for funds to be debited.
agreement means this Direct Debit Request Service Agreement between you and us.
banking day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.
debit day means the day that payment by you to us is due.
debit payment means a particular transaction where a debit is made.
Direct Debit Request means the written, verbal or online request between us and you to debit funds from your account.
Payment Initiator means BARTERCARD DIGITAL AUSTRALIA PTY LTD ACN 665 448 984 (“Bartercard”).
us or we means Billzy Pty Ltd (the Debit User) you have authorised by requesting a Direct Debit Request. We have been contracted by Bartercard to collect direct debit payments from you and we do not provide any goods or services to you.
you means the customer who has authorised the Direct Debit Request.
your financial institution means the financial institution at which you hold the account you have authorised us to debit.

1. Debiting your account

1.1. By signing a Direct Debit Request, you have authorised us to arrange for funds to be debited from your account. The Direct Debit Request and this agreement set out the terms of the arrangement between us, you and Bartercard.

1.2. We will only arrange for funds to be debited from your account:

• (a) as agreed between you and Bartercard and as authorised in the Direct Debit Request; or
• (b) if Bartercard has sent to the address nominated by you in the Direct Debit Request, a billing advice which specifies the amount payable by you to us and when it is due.

1.3. If the debit day falls on a day that is not a banking day, we may direct your financial institution to debit your account on the following banking day.

2. Amendments by us

2.1. We may vary any details of this agreement or a Direct Debit Request at any time by giving you at least thirty (30) days written notice sent to the preferred email or address you have given us and Bartercard in the Direct Debit Request.

3. How to cancel or change direct debits

3.1. You can cancel or suspend the Direct Debit Request; or change, stop or defer an individual debit payment, at any time by giving Bartercard or us at least 14 days notice.

4. Your obligations

4.1. It is your responsibility to ensure that there are sufficient clear funds available in your account to allow a debit payment to be made in accordance with the Direct Debit Request.

4.2. If there are insufficient clear funds in your account to meet a debit payment:

• (a) you may be charged a fee and/or interest by your financial institution;
• (b) Bartercard may charge you reasonable costs incurred by us on account of there being insufficient funds; and
• (c) you must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be in your account by an agreed time so that we can process the debit payment.

4.3. You should check your account statement to verify that the amounts debited from your account are correct.

5. Dispute

5.1. If you believe that there has been an error in debiting your account, you must notify Bartercard immediately. Bartercard will respond to your dispute within 7 working days and will immediately refund the amount of the debit if they are not able to substantiate the reason for it.

5.2. If you do not receive a satisfactory response from Bartercard to your dispute, contact us and we will respond to you with an answer to your claim within 5 business days if your claim is lodged within 12 months of the disputed debit, or within 30 business days if your claim is lodged after 12 months from the disputed debit. Alternatively, you can contact your financial institution for assistance.

6. Accounts

You should check:

• (a) with your financial institution whether direct debiting is available from your account as direct debiting is not available on all accounts offered by financial institutions;
• (b) your account details which you have provided to us are correct by checking them against a recent account statement; and
• (c) with your financial institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request.

7. Confidentiality

7.1. We will keep any information (including your account details) in your Direct Debit Request confidential in accordance with our Privacy Policy, available at https://billzy.com/.

8. Contacting each other

8.1. If you wish to notify us in writing about anything relating to this agreement, you should email us at support@billzy.com

8.2. We will notify you by sending a notice to the preferred address or email you have given us in the Direct Debit Request.

8.3. Any notice will be deemed to have been received on the second banking day after sending.