Our Commitment to you

This document sets out your rights, our commitment to you and your responsibilities to us, together with where you should go for assistance in respect of your direct debit arrangement with Australian Unity.

Terms of the Arrangement

In terms of the Direct Debit Request (DDR) arrangement made between us and authorised by you, we undertake to periodically debit your nominated account in accordance with your authority to direct debit.

Drawing Arrangements

• If any drawing falls due on a non-business day, it will be debited to your account on the next business day following the scheduled drawing date.
• We will give you at least 14 days' notice when we intend to make changes to the initial terms of the arrangement.

Your Rights

Changes to the Arrangement

If you want to make changes to the drawing arrangement, please notify us in writing at least four business days prior to your next scheduled drawing date. These changes may include:

• Deferring the drawing; or
• Altering the schedule; or
• Stopping an individual debit; or
• Suspending the DDR; or
• Cancelling the DDR completely.

Enquiries

If you have any enquiries they should be directed to Australian Unity, rather than to your financial institution. All information relating to the DDR held by us will remain confidential except for information that may be provided to our financial institution to initiate the drawing to your nominated account or information disclosed to a third party as required by law. Information may also be provided to Australian Unity Limited or any of its wholly-owned subsidiaries to enable this DDR to be effected.

Disputes

• If you believe that a drawing has been initiated incorrectly, you should raise the matter directly with Australian Unity.
• If you do not receive a satisfactory response from us to your dispute, contact your financial institution who will respond to you with an answer to your claims in accordance with their dispute resolution procedures.

Note: Your financial institution will ask you to contact us to resolve your disputed drawing prior to involving them.

Your commitment to us

It is your responsibility to ensure that:

• Your nominated account can accept direct debits (your financial institution can confirm this); and
• On the drawing date there are sufficient cleared funds in the nominated account; and
• Stopping an individual debit; or
• You advise us if the nominated account is transferred or closed; and
• That you contact us to advise when your credit card is due to expire, then provide new card details to ensure continuation of cover.

If your drawing is returned or dishonoured by your financial institution, we will notify you in writing. Any transaction fees payable by us in respect of the above may be passed on to you. Consecutive returns or dishonours may result in the direct debit facility being withdrawn.