Terms and Conditions

SERVICES PROVIDED

You acknowledge and agree:

1. that the services described in the invoice(s) referred to in this application have been provided and the invoice(s) has not been disputed or challenged;
2. the fee disclosed in the invoice(s) represents a proper and reasonable charge for services rendered;
3. authorise QuickFee Australia Pty Limited ABN 75 135 670 674, (“QuickFee”) to pay the amount due to the  professional firm named in this application;
4. authorise QuickFee to conduct such credit checks as it deems necessary;
5. that you will be required to repay QuickFee (even if you have a dispute with the professional firm named above); and
6. with the terms and conditions below.

NOTICE OF DISCLOSURE OF YOUR CREDIT INFORMATION TO A CREDIT-REPORTING AGENCY. (SECTION 18E(1) OF THE ACT 1988)
QuickFee Australia Pty Limited ABN 75 135 670 674, (“QuickFee”) may give information about you to a credit reporting agency, for the following purposes:

• To obtain a consumer credit report about you, and/or
• To allow the credit reporting agency to create or maintain a credit information file containing information about you.

The information is limited to:

• Identity particulars – your name, sex, address (and previous two addresses) date of birth, name of employer, and drivers licence number.
• Your application for credit or commercial service – the fact that you have applied for credit and the amount.
• The fact that QuickFee is a current credit provider to you.
• Loan repayments which are overdue by more than 60 days, and for which debt collection action has started.
• Advice that your loan repayments are no longer overdue in respect of any default that has been listed.
• Information that, in the opinion of QuickFee you have committed a serious credit infringement (that is, fraudulently or shown an intention not to comply with your credit obligations).
• Dishonoured cheques – cheques drawn by you for $100 or more which have been dishonoured more than once.
• That credit has been paid or otherwise discharged.

Period to which this understanding applies. This information may be given before, during or after the provision of service to you.

STATEMENT BY APPLICANT(S)

Please read carefully before accepting. Where there is more than one applicant, each applicant must sign.

1. Giving information to a Credit Reporting Agency :- QuickFee has informed me that it may give certain personal information about me to a credit-reporting agency.
2. Access to Commercial Credit Information :- I/we agree that QuickFee may obtain information about me/us from a business, which provides information about the commercial credit worthiness of persons for the purpose of assessing my/our application to use the QuickFee service:
3. Access to Consumer Credit Information :- I/we agree that QuickFee may obtain a consumer credit report containing information about me from a credit-reporting agency for the purpose of assessing my/our application to use the QuickFee service.
4. Exchange of Credit Worthiness Information :- I/we agree that QuickFee may exchange information with those credit providers named in this application or named in a consumer credit report issued by a credit reporting agency for the following purposes;

• to assess an application by me/us for credit
• to notify other credit providers of a default by me/us
• to exchange information with other credit providers as to the status my/our account with QuickFee where I am in default with other credit providers
• to assess my/our credit worthiness.

I/we understand that the information exchanged can include anything about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to exchange under the Privacy Act.

PAYMENTS TO BE MADE WHEN DUE

I/we agree that the following charges may be incurred, in addition to the loan instalments (including credit charges) set out on this website:

• A Dishonour Fee of $40.00 payable each time a payment instruction or cheque is dishonoured
• A Deferral Fee of a minimum of $25.00 payable each time QuickFee agrees to defer payments on my/our request

EARLY PAYOUT

If you wish to pay this contract out early, QuickFee will inform you of the payout amount which will reflect a rebate of unearned charges. This calculation takes into account all future payments that would have been made under the contract and discounts them to calculate their value as at the time of early payout.

BUSINESS USE DECLARATION

I/We declare that the credit to be provided to me/us by QuickFee is to be applied wholly or predominantly for:

• Business purposes; or
• Investment purposes other than investment in residential property.

IMPORTANT

You should only make this declaration if this loan is wholly or predominantly for:

• Business purposes; or
• Investment purposes other than investment in residential property

By making this declaration you may lose your protection under the National Credit Code.

DIRECT DEBIT REQUEST SERVICE AGREEMENT WITH QUICKFEE

This document sets out the terms and conditions of Your Direct Debit Request (DDR) and should be read in conjunction with Your DDR authorisation.

Definitions

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

agreement means this DDR Service Agreement 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 DDR between us and You.

us or we means QuickFee, (the Debit User) You have authorised by requesting a DDR.

You means the customer who has signed or authorised by other means the DDR.

Your financial institution means the financial institution nominated by You on the DDR at which the account is maintained.

1. Debiting Your account

1.1 By signing a DDR or by providing us with a valid instruction, You have authorised us to arrange for funds to be debited from Your account. You should refer to the DDR and this agreement for the terms of the arrangement between us and You.
1.2 We will only arrange for funds to be debited from Your account as authorised in the DDR.
1.3 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. Amendments by us

2.1 We may vary any details of this agreement or a DDR at any time by giving You at least fourteen (14) days written notice.

3. Amendments by You

You may change*, stop or defer a debit payment, or terminate this agreement by providing us with at least three (3) days notification by writing to applications@quickfee.com.au or by telephoning us on 02 8090 7700 during business hours or arranging it through Your own financial institution, which is required to act promptly on Your instructions.

*Note: in relation to the above reference to change, Your financial institution may change Your debit payment only to the extent of advising QuickFee of Your new account details.

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 DDR.

4.2 If there are insufficient 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.

5. Dispute

5.1 If You believe that there has been an error in debiting Your account, You should notify us directly at applications@quickfee.com.au or 02 8090 7700 or at Suite 4.07, 10 Century Circuit, Norwest NSW 2153 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 directly with Your financial institution.

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

You should 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 DDR if You have any queries about how to complete the DDR.

7. Confidentiality

7.1 We will keep any information (including Your account details) in Your DDR 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 purposes 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 QuickFee, Suite 4.07, 10 Century Circuit, Norwest NSW 2153.
8.2 We will notify You by sending a notice in the ordinary post to the address You have given us in the QuickFee Fee Funding Contract
8.3 Any notice will be deemed to have been received on the third banking day after posting.