Direct Debit Request Service Agreement

This is your Direct Debit Request Service Agreement (DDSA) with 2EZI Pty Ltd (ABN 25 670 814 365). Novatti Acquiring Services (AUS) Ltd (“Novatti”) and SR Global Solutions Pty Ltd ACN 132 951 172 (Direct Debit User ID number 397351) acts as the Debit User under this Agreement on behalf of 2EZI Pty Ltd (‘the Merchant’). This DDSA 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 Direct Debit Request authorisation.
In this agreement, ‘we’, ‘our’ and ‘us’ mean 2EZI Pty Ltd, and ‘you’ means you, our customer who has submitted or authorised a Direct Debit Request.

1. Definitions
• account means the account held at your financial institution or your nominated credit or debit card, from which we are authorised 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, Sunday or a public holiday listed throughout Australia.
• debit day means the day that payment by you to us is due, as set out in your invoice or otherwise agreed.
• debit payment means a transaction in which money is automatically withdrawn from your nominated account or credit or debit card.
• Direct Debit Request or DDR means the written, verbal or online instruction you give us authorising us to debit funds from your account.
• your financial institution means the financial institution nominated by you in the DDR at which the account is maintained.

2. Debiting your account
2.1 By submitting a Direct Debit Request or providing a valid instruction, you authorise us to arrange for funds to be debited from your account. The Direct Debit Request and this agreement set out the terms of the direct debit arrangement between us and you.
2.2 We will only arrange for funds to be debited from your account as authorised in the Direct Debit Request.
2.3 Debit payments will be processed on the debit day. 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. If you are unsure about which day your account has or will be debited, you should ask your financial institution.
2.4 Debit payments will only be made after we have issued you an invoice or notice setting out the amount payable and the date it is due. Invoices may be made available electronically or by other agreed means.
2.5 Surcharge fees may apply to debit payments made by credit or debit card. Details of any applicable fees will be set out in the relevant terms or critical information summary.
2.6 If we have agreed a financial hardship arrangement with you in writing and you have requested to continue payments via direct debit, we will debit your account for the amount agreed under that arrangement.

3. Your obligations
3.1 You should check:
• 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;
• that the account details you have provided to us are correct by checking them against a recent account statement; and
• with your financial institution before completing the Direct Debit Request if you have any queries about how to complete it.
3.2 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.
3.3 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;
• we may charge you reasonable costs incurred by us as a result of the failed debit; and
• you must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be available by an agreed time so that we can process the debit payment.
3.4 You should check your account statement to verify that the amounts debited from your account are correct.

4. Changes made by you
4.1 You may cancel, suspend or change a Direct Debit Request, or stop, defer or vary an individual debit payment, by giving us at least 5 banking days’ notice.
4.2 Requests may be made by contacting us using the contact details notified to you from time to time, or through any customer portal we provide.
4.3 You may also arrange to cancel or change your Direct Debit Request through your financial institution, which must act promptly on your instructions.

5. Changes made by us
5.1 We may vary this agreement or a Direct Debit Request at any time by giving you at least fourteen (14) days’ written notice.
5.2 We may cancel a Direct Debit Request by giving you written notice.
5.3 Some products or services may require payment by direct debit as a condition of use. If a Direct Debit Request is cancelled or changed, you may be required to arrange payment by another method and may not be able to continue using those products or services.
5.4 If a last resort event (as defined by applicable regulations) occurs in respect of us, we will immediately cancel your Direct Debit Request and notify you and your financial institution.

6. Disputes
6.1 If you believe that there has been an error in debiting your account, you should notify us directly as soon as possible using the contact details provided. Alternatively, you may contact your financial institution for assistance.
6.2 If we conclude as a result of our investigations that your account has been incorrectly debited, we will arrange for your financial institution to adjust your account (including interest and charges) within a reasonable period. We will also notify you in writing of the amount by which your account has been adjusted.
6.3 If we conclude as a result of our investigations that your account has not been incorrectly debited, we will provide you with reasons and any evidence for this finding in writing.

7. Confidentiality and privacy
7.1 We will make reasonable efforts to keep any information (including your account details) confidential and secure, and to ensure that our employees or agents do not make any unauthorised use, modification, reproduction or disclosure of that information.
7.2 We may disclose information that we hold about you:
• at the request of your financial institution, including in connection with a claim for an incorrect debit;
• as required by law; or
• for the purposes of this agreement, including dealing with any query or claim.

8. Notices
8.1 Notices may be sent to you electronically or by post using your preferred contact details.
8.2 If sent by email, a notice will be deemed to have been received on the first banking day after sending. If sent by post, it will be deemed to have been received on the third banking day after posting.
8.3 If you wish to notify us about anything relating to this agreement, you should contact via email to hello@2ezi.au.
If you have any questions about this agreement or your Direct Debit arrangement, you should contact us or your financial institution for further information.