This agreement is entered into with Capti. The direct debit service agreement is issued by Capti.

1. Our commitment to you

• If you have a service with Capti that does not include account usage charges, we will not modify the amount or frequency of drawing arrangements without obtaining your prior approval.
• If you have a service with Capti that does include account usage charges, the amount and frequency of the drawing arrangements will be in accordance with the terms and conditions of your service agreement with us. This may involve drawing funds at various times during the month to cover the usage charges you have incurred.
• In the event of any changes to the terms of the drawing arrangements, Capti will provide you with a written notice of at least 14 days.
• For monthly recurring subscription charges, Capti will initiate the debit from your designated financial institution account approximately 7 days before the expiration of your current account's subscription period. If the due debit date falls on a non-business day, Capti will initiate the debit on the business day preceding or following that date.

2. Your commitment to us

It is your responsibility to:

• Ensure that your designated account can accept direct debits.
• Ensure that there are sufficient funds available in the designated account to cover each debit.
• Inform us if the designated account is transferred or closed, or if the account details change.
• Arrange an alternative payment method acceptable to Capti if Capti cancels the drawing arrangements. • Ensure that all account holders on the designated financial institution account sign the Direct Debit Authorization.

A fee of $10 will be charged if a Direct Debit transaction is rejected by the financial institution. Available payment methods include bank account direct debit or credit card payments. If you wish to change your payment method, please contact Capti customer service.

3. Your rights

If you wish to modify the drawing arrangements for your next direct debit and your service does not include usage charges, please contact Capti at least 7 days prior to the due date of your service package renewal. If your service includes usage charges, please contact Capti immediately to facilitate the processing of this change as soon as possible. While Capti cannot guarantee that changes can be implemented in time for the next direct debit, we will make every effort to accommodate your request. The drawing arrangements may include:

• stopping an individual debit
• modifying the Direct Debit Authorization
• canceling the Direct Debit Authorization

If you believe that a debit has been initiated incorrectly, please first contact Capti Customer Service. If you are dissatisfied with the response, please submit a written complaint marked as "Notice of Complaint" and send it to: Capti PO 2178, Toowong Qld 4066. Capti will respond within 7 days of receiving your letter. We have established formal procedures for handling complaints. You may also address any disputes, stop payments, or cancellations through your financial institution.

4. Other information

Please be aware that providing instructions and personal information over the internet carries certain risks. Capti reserves the right to cancel drawing arrangements if debits are dishonored by your financial institution. Your drawing arrangements are also subject to the terms and conditions of your Capti account.

Please note that we use Stripe Payment as our payment processor. Stripe is a secure and widely trusted online payment platform that enables businesses to process payments securely and efficiently. When you make payments through Capti, your payment details may be securely transmitted to and processed by Stripe. This ensures that your financial information is protected and handled in accordance with industry standards and applicable regulations.