Terms and Conditions

This agreement outlines our commitment to you as a Direct Debit customer and your rights and responsibilities throughout the Direct Debit process.

It applies to you where you enter into a Direct Debit arrangement with us in connection with the services we provide. This Direct Debit agreement supersedes any prior payment arrangements you have entered into with us for these products.

Your authorisation

You authorise:

1. Your IT Guardian Pty Ltd to arrange for funds to be debited:
   1. From your nominated account (the details of which you provided to us in the Direct Debit application form provided to you by us),
   2. For an amount (including any processing fees) that is determined in accordance with this Direct Debit agreement, which Your IT Guardian Pty Ltd may debit you until further notice in writing.
   3. Pinch payments to verify the details of your nominated account with your financial institution.
   4. Your financial institution to release information allowing Pinch Payments to verify your nominated account.

This authorisation is to remain in force in accordance with the terms described in this Direct Debit agreement.

Our commitment to you:

Your IT Guardian Pty Ltd will provide you with at least 14 days prior notice if we change any terms of this agreement. Your IT Guardian Pty Ltd may also cancel your Direct Debit by notice to you.

Your IT Guardian Pty will keep all information about your nominated bank account private and confidential, only to be disclosed at your request or that of your financial institution in connection with a claim made about an alleged incorrect or wrongful debit.

Your IT Guardian Pty Ltd will deduct payment, to a maximum of the amount due on your account at the due date of your Direct Debit unless otherwise agreed with you. Where the Direct Debit due date falls on a non-working day or a national public holiday, the payment amount will be deducted on the next business day.

If you have an amount outstanding on your account on the date the Direct Debit starts, Your IT Guardian Pty Ltd will deduct that amount on or after that date, which may be before the first due date of your Direct Debit, unless otherwise agreed with you.

2. Your IT Guardian Pty Ltd will stop your Direct Debit in respect of your relevant product:
   1. After your final bill has been paid if you stop being our customer for that product; or
   2. If we stop being your IT company, you and your financial institution will be notified promptly.

Your rights and commitments to us:

3. You must ensure:
   1. Your account information supplied to Your IT Guardian Pty Ltd is correct by checking it against a recent statement from your financial institution.
   2. Your nominated account can accept Direct Debits
   3. Sufficient funds are available in the nominated account to meet a payment on its due date
   4. Where you consider a payment has been initiated incorrectly, or there is a discrepancy in a payment amount, please contact us immediately so we can address your query.

4. You must advise Your IT Guardian Pty Ltd if:
   1. Your nominated account is transferred, closed or the Direct Debit is cancelled. You must do so as soon as you become aware of this change; or
   2. You wish to change your bank account or personal details. To take effect for your next Direct Debit payment, Your IT Guardian Pty Ltd must receive your request at least 10 business days before that Direct Debit due date.
   3. You have cancelled this Direct Debit agreement. If your Direct Debit agreement is cancelled (whether by you, us or your financial institution) you must pay all amounts due on your account on the due dates for those amounts using a suitable alternate payment method (you can find other available payment methods on your account).

You may stop or terminate your Direct Debit payment by notifying us at least 10 business days before your next Direct Debit due date.

Fees and charges

Your IT Guardian Pty Ltd will notify you of any return unpaid transactions and any applicable fee (plus GST) will be added to your account. If your nominated bank account has insufficient funds to cover a payment you are responsible for any costs Your IT Guardian Pty Ltd incurs as a consequence of covering payment.