Direct Debit Service Agreement: Terms and Conditions for Direct Debit Arrangement

By providing your payment method details to us, you accept and understand that these terms and conditions (Terms and Conditions) apply to your requested and authorised Direct Debit arrangement and you authorise The Pharmacy Guild of Australia, Queensland Branch (The Guild) User ID 435415 to arrange, through the Bulk Electronic Clearing System (BECS), to arrange for funds to be debited from your nominated account any amount The Guild, had deemed payable by you.  The Guild is authorised to use your Direct Debit arrangement in accordance with these Terms and Conditions.

The following are the terms and conditions of your Direct Debit arrangement with The Pharmacy Guild of Australia Queensland Branch (The Guild).  The terms and conditions are designed to explain 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.

We recommend you keep the terms and conditions for your Direct Debit arrangement in a safe place for future reference.

Terms and Conditions

1.    Debiting your account

1. By signing up to a Direct Debit Request, you have authorised us to arrange for funds to be debited from your account. We will only arrange for funds to be debited from your account as authorised in the Direct Debit Request. If the debit day falls on a day that is not a banking day, we may 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. The Guild is authorised to use your nominated payment method to arrange payments of amounts due and payable to The Guild by you until your Direct Debit arrangement is cancelled or terminated in accordance with these Terms and Conditions.
3. If your Direct Debit arrangement relies on a credit card or debit card, you authorise The Guild to request payment from your nominated card account, using your current card and any replacement or substitute of that card from time to time.  If your credit card or debit card has reached its expiry date, you should provide The Guild with your new details at least three business days prior to the next payment due date.

2.    Amendments by us

2.1   We may vary any details of the Direct Debit arrangement or a Direct Debit Request at any time by giving you at least fourteen (14) days’ written notice. Membership subscription renewal notice / sales order / tax invoice serves as notification of the change to your monthly periodic direct debit or credit card payment amount.

3.    Amendments by you

3.1   You may change, stop or defer a debit payment, or terminate the Direct Debit arrangement by providing us with at least fourteen (14 days) notification by writing to: Accounts Department via email accounts@qldguild.org.au orby telephoning us on (07) 3831 3788 during business hours or arranging it through your own financial institution.

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.  you may also incur fees or charges imposed or incurred by us; 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

4.4   If The Guild is liable to pay goods and services tax (“GST”) on a supply made in connection with the Direct Debit arrangement, then you agree to pay The Guild 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 that there has been an error in debiting your account, you should notify us directly on (07) 3831 3788 and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly.  Alternatively you can take it up with your financial institution direct.

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 in writing.

6.    Accounts

6.1   It is your responsibility to 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.  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. We will only disclose information that we have about you:

a.   to the extent specifically required by law; or

b.  for the purposes of this Direct Debit arrangement(including disclosing information in connection with any query or claim).

8.    Refund

8.1   Any refund/s owing to you by The Guild will be refunded to the original account where the direct debit originated.

9.    Notice

9.1   If you wish to notify us in writing about anything relating to your Direct Debit arrangement, you should write to The Guild, Attention: Accounts Department via accounts@qldguild.org.au.

9.2   We will notify you by sending a notice via email from accounts@qldguild.org.au or in the ordinary post to the address you have given us in the Direct Debit Request.  Any notice will be deemed to have been received on the third banking day after posting.

10.  Definitions

account means the account held at your financial institution from which we are authorised to arrange for funds to be debited.

direct debit arrangement means this Direct Debit Request or Direct Debit Agreement between you and us.

direct debit request or direct debit service request means the request for Direct Debit arrangement 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 Direct Debit arrangement between us and you.

us or we means The Guild, (the Debit User) you have authorised by signing a direct debit request.

you means the customer who signed up to the Direct Debit Request.

your financial institution means the financial institution nominated by you on the DDR at which the account is maintained.