| 1. Debiting your account |
| 1.1 |
By signing a direct debit request, you have authorised us to arrange for account funds to be debited to your account. You should refer to the direct debit request and this agreement for the terms of the arrangement between us and you. |
| 1.2 |
We will only arrange for funds to be debited to your account as authorised in the direct debit request. |
| 1.3 |
If the debit day falls on a day that is not a business day, we may direct your financial institution to debit your account on the previous business day. If you are unsure about which day your account has or will be debited, you should ask your financial institution. |
| 2. Changes 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 fourteen (14) days written notice. |
| 3. Changes by you |
| 3.1 |
Subject to 3.2 and 3.3, you may change the arrangement under a direct debit request by contacting us on 1800 020 071. |
| 3.2 |
If you wish to stop or defer a debit payment, you must notify us in writing at least thirty (30) days before the next debit day. This notice should be given to us in the first instance. |
| 3.3 |
You may also cancel your authority for us to debit your account at any time by giving us thirty (30) days notice in writing before the next debit day. This notice should be given to us in the first instance. The outstanding balance must be paid to retain ALIA membership. |
| 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:
- you may be charged a fee and/or interest by your financial institution;
- you may also incur fees or charges imposed or incurred by us; and
- 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. |
| 4.4 |
If the Commonwealth Bank of Australia (CBA) is liable to pay goods and services tax (GST) on a supply made by the CBA in connection with this agreement, then you agree to pay the CBA on demand an amount equal to the consideration payable for the supply multiplied by the prevailing GST rate. |
| 5. Dispute |
| 5.1 |
If you believe there has been an error in debiting your account, you should notify us directly on 1800 020 071 and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly. |
| 5.2 |
If we conclude as a result of our investigations that your account has been incorrectly debited we will respond to your query by arranging for your financial institution to adjust your account (including interest and charges) accordingly. We will also notify you in writing of the amount by which your account has been adjusted. |
| 5.3 |
If we conclude as a result of our investigations that your account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding. |
| 5.4 |
Any queries you may have about an error made in debiting your account should be directed to us in the first instance so that we can attempt to resolve the matter between us and you. If we cannot resolve the matter you can still refer it to your financial institution which will obtain details from you of the disputed transaction and may lodge a claim on your behalf. |
| 6. Accounts - you should check: |
| 6.1 |
with your financial institution whether direct debiting is available for your account as direct debiting is not available on all accounts offered by financial institutions. |
| 6.2 |
with your financial institution if additional fees and charges may be incurred by you as a result of this direct debit agreement; |
| 6.3 |
your account details which you have provided to us are correct by checking them against recent account statements. Your account number may be confirmed by including a copy of a cheque or personalised deposit slip; |
| 6.4 |
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. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information. |
| 7.2 |
We will only disclose information that we have about you:
- to the extent specifically required by law; or
- for the purpose of this agreement (including disclosing information in connection with any query or claim).
|
| 8. Notice |
| 8.1 |
If you wish to notify us in writing about anything relating to this agreement, you should write to ALIA, PO Box 6335 Kingston 2604. |
| 8.2 |
We will notify you by sending a notice in the ordinary post to the address that you have given us. |
| 8.3 |
Any notice will be deemed to have been received two business days after it is posted. |
