DIRECT DEBIT SERVICE AGREEMENT

This Direct Debit Request (DDR) Service Agreement authorises CBHS to electronically withdraw funds from your nominated Australian bank account on an agreed schedule.

CBHS’ commitment

CBHS will confirm the direct debit arrangements before the first drawing and will debit your nominated account on CBHS’ scheduled drawing dates. If the nominated day falls on a weekend or public holiday, the debit will be made on the next business day.
CBHS debits all payments in advance. The amount debited may change if:
  •   premiums are owing before your first debit;
  •   you change to a level of cover with a different premium;
  •   you relocate to another State with a different premium;
  •   you change your payment frequency or payment method;
  •   a previous direct debit is dishonoured or returned unpaid;
  •   you resume your membership after a suspension period; or
  •   your premium changes. CBHS will give you at least 14 days’ notice of a premium change before the new premium takes effect, unless a shorter period is permitted or required by law.
CBHS may change this Agreement where reasonably necessary. If a change is materially adverse, CBHS will give you at least 30 days’ notice by email, SMS or post before the change takes effect. If a change is not materially adverse, or is required to address a security risk, legal requirement or administrative correction, CBHS may give a shorter notice period or no prior notice where reasonably necessary.
If you do not agree with a materially adverse change, you may cancel your direct debit arrangement before the change takes effect.

CBHS will handle your personal information, including your bank account details and payment arrangement information, in accordance with the CBHS Privacy Policy available at www.cbhs.com.au/policies/privacy-policy

Your rights

If you want to make changes to your drawing arrangements, please notify CBHS in writing at least 5 business days before your next scheduled drawing date.
Changes may include:
  •   altering your level of cover and drawing frequency;
  •   stopping an individual debit;
  •   suspending the direct debit arrangement; or
  •   cancelling the direct debit arrangement completely.
You may also contact your financial institution to alter or cancel the direct debit arrangement on your account.

Your commitment to us

It is your responsibility to ensure that:
  • the account you nominate can accept direct debits;
  • sufficient cleared funds are available in your nominated account on the due date;
  • you are authorised to operate the nominated account and authorise CBHS to debit that account;
  • you check your account statement to verify that the amounts debited from your account are correct;
  • you notify CBHS if the nominated account is transferred or closed;
  • you notify CBHS if your account details change;
  • you pay your CBHS premiums by an alternative method if the direct debit arrangement is cancelled by either you or CBHS; and
  • you provide CBHS with a valid and current email address and/or mobile phone number and keep those contact details up to date.

Dishonours, notifications and reattempt of payment

If a direct debit is dishonoured or returned unpaid, CBHS will notify you using the mobile number or email address we hold for you, or by another method we consider appropriate.
CBHS may make a further attempt between 1 and 5 days following the initial dishonour to process the unpaid direct debit, with the specific date to be notified to you. If we make a further attempt, we will tell you the proposed reattempt date.

If payments fail on three consecutive drawings, CBHS may cancel the direct debit arrangement and contact you to arrange an alternative payment method.

You remain responsible for any fees or charges imposed by your financial institution because a direct debit is dishonoured or returned unpaid, except to the extent the dishonour or charge was caused by our error.

Disputes, complaints and errors

If you believe a debit has been made in error or you have a complaint, please contact CBHS on 1300 654 123 or help@cbhs.com.au and confirm the details in writing so we can investigate. If an error is identified, we will arrange a correction or refund. Otherwise, we will explain the outcome.

Notices

CBHS may give notices by post, email, SMS or another electronic method using your contact details. You are responsible for keeping those details up to date.

Authorisation

By providing your bank account details and submitting or confirming your request, you confirm that the details are correct, that you are authorised to operate the account, and that you authorise CBHS to debit that account in accordance with your payment arrangement.