If you elect to make a Payment to AGS by direct debit from your Account through the Bulk Electronic Clearing System, then the following terms and conditions of this DDR Service Agreement, your DDR and the Pay Plan apply.

We have included with this DDR Service Agreement (or, if you completed your DDR on-line, we will forward to you) a copy of the Pay Plan. The Pay Plan sets out details of your direct debit arrangements and DDR. Please let us know in writing to our Address if any details in the Pay Plan are incorrect.

Please note that, while preferred contact methods are specified under nominated conditions in the DDR Service Agreement, you can contact us at any time by phone, email, online chat, or in writing to our Address to discuss any concerns about your DDR Service Agreement.

1. Drawing Arrangements:
You have authorised us to debit the Payment from your Account in accordance with your DDR. We will comply with your DDR when debiting any Payments. Where the debit day for a Payment falls on a non-Business Day in the place of lodgement, we will draw the Payment on the next Business Day. If you are uncertain about when a Payment will be due, you should contact your Financial Institution. We will not change the amount or frequency of a Payment or the terms of this DDR Service Agreement unless we give you at least 14 days' written notice. We will notify you by sending a notice by the communication method you have nominated to us in the DDR. Any notice sent by ordinary post will be deemed to have been received on the seventh Business Day after having been posted. Any email notice is deemed to be received 2 hours after the time sent, unless we receive an automated message that the email has not been delivered. For fortnightly or monthly Payment arrangements, if you miss a Payment then you agree that we may automatically spread the next missed Payment across the balance of your deductions after the outstanding Payment is made. If you do not make the outstanding Payment noted above, your policy will be cancelled. The overall premium will not increase.

We may cancel or suspend the DDR Service Agreement if you provide us with any incorrect Account details, a Payment is dishonoured or you stop a Payment.

2. Your Rights:
You may stop any Payment or cancel the DDR Service Agreement at any time by notifying us by phone, sending a written notice directly to us to our Address, or by notifying your Financial Institution. Notice given to us should be received by us at least 7 Business Days prior to the due date for a Payment which you wish to stop. You may also request a change or deferment of a Payment or your DDR by contacting us by phone or in writing at our Address, or by notifying your Financial Institution and advising your requirements not less than 7 Business Days prior to the due date for a Payment which you wish to change or defer.

1. Your Responsibilities:
It is your responsibility to ensure that sufficient funds are available in your Account to meet a Payment on its due date. If there are insufficient funds in your Account to make a Payment and your Financial Institution dishonours the Payment:

• we may attempt to re-process the Payment;
• we may charge you a fee as set in the FSG;
• you must arrange with us a suitable alternate payment method or arrange for sufficient clear funds in your Account by an agreed time so that we can re-process the Payment; and
• you may be charged a fee and/or interest by your Financial Institution.

You should check your Account regularly to ensure that the correct amounts have been debited from your Account in accordance with the DDR. It is your responsibility to ensure that the authorisation given to draw on your Account is identical to the account
signing instruction held by your Financial Institution. It is your responsibility to advise us, by phone or in writing to our Address, if your Account is transferred or closed. It is also your responsibility to arrange with us a suitable alternate payment method if you wish to stop a Payment or cancel your DDR.

2. Your Account:
Direct debiting through the Bulk Electronic Clearing System may not be available on all accounts including your Account. You should check the details of your Account (as set out in the Pay Plan) against a recent statement from your Financial Institution. If you are uncertain about whether direct debiting is available on your Account or what your Account details are, you should check with your Financial Institution before completing the DDR.

3. Your Indemnity:
You agree to indemnify us for any loss or expense we suffer which arises from or in connection with you giving us incorrect or false information in the DDR. This indemnity will survive termination of the DDR Service Agreement.

Where you consider that a Payment has been incorrectly processed and you wish to dispute a Payment you should take the matter up directly with us, (AGS, ABN 61 003 617 909, User ID 142038) by notifying us by phone and then following up in writing to our Address. Alternatively, you may also dispute a Payment directly with your Financial Institution.

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 accordingly. We will also notify you in writing of the amount by which your Account has been adjusted. 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. If you are not happy with our decision, you may refer the dispute to your Financial Institution.

We will keep all information pertaining to your Account and your DDR private and confidential in accordance with our Privacy Policy (which can be obtained by contacting us) and we will use or disclose information as specifically required by law or to comply with our obligations under this DDR Service Agreement. Our financial institution may require information pertaining to your Account and your DDR if there is a claim made on it relating to an alleged incorrect or wrongful debit. There are risks associated with providing DDR information online and you are responsible for keeping that information safe and confidential along with any related security devices or measures.

“Account” means your account (held with the Financial Institution) that you have nominated and advised to us in the DDR.
“Address” means PO Box 342, Toowong, Qld 4066.
"AGS" means Auto & General Services Pty Ltd ABN 61 003 617 909 with User ID 142038.
“Business Day” means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.
“DDR” means the direct debit request authorised and requested by you to AGS to make a Payment by direct debit from your Account.
“DDR Service Agreement” means this direct debit request service agreement between you and us.
“Financial Institution” means the financial institution with which your Account is held.
“FSG” means the AGS Financial Services Guide applicable to the product purchased from AGS to which the DDR relates.
“Pay Plan” means the AGS Pay Plan setting out certain details of your DDR.
“Payment” means a direct debit payment made by you to AGS either in accordance with your DDR or for any future fees and premiums owed to AGS.
“you” means the person who authorised and requested the DDR.
“we” or us or our” means or refers to AGS who you have authorised by requesting a DDR.
This DDR Service Agreement was updated on 21 September 2023 This DDR Service Agreement was prepared on 21 September 2023 and its distribution has been authorised by Auto & General Services Pty Ltd | ABN 61 003 617 909 | AFSL 241411 (AGS). ING is a business name of ING Bank (Australia) Ltd | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 (ING) and is an Authorised Representative (AR number 1247634) of AGS. ING is not party to this DDR Service Agreement and any payment made under this DDR Service Agreement in respect to an ING Insurance policy (Car, Home & Contents, Motorcycle and/or Travel Insurance) does not represent a deposit with, or liability of, and is not guaranteed or otherwise supported by ING or its related bodies corporate.