Terms and Conditions

Upon enrolment, students are entering into a legal agreement under common law, in which they agree to abide by the conditions of enrolment (including meeting stated payments) in exchange for the service offered by Learning Cloud. Upon enrolment, it is presumed that the student has read & understood Learning Cloud’s refund policy below.

Notification of withdrawal from a course must be received in writing within 7 days (5 business days) of course commencement. Unless otherwise agreed, the course commencement date is the date a student is issued with a username and password for online access.

If a student withdraws before commencement of the course, a full refund will be granted however, a $100 deposit will be withheld to cover administration costs.

Students have 7 days (5 business days) to ensure the course meets their requirements from the day of course commencement. During this time the student must ensure they do not submit any assessments for marking, or view more than 20% of the course content. If the student adheres to these conditions, they are eligible for a refund, minus their $100 deposit – which will be withheld to cover administration costs.

If a student does not adhere to these conditions, they will be liable for the percentage of the course content they have viewed. If any assessments are submitted or the student is outside the 7 day cooling off period, the student will be liable for the full cost of the course. (This includes students who have selected to go on a payment plan).

If cancellation is sought outside the 7 day (5 business day) cooling off period, the request will be reviewed on its merit, and the student must submit the following in writing:

• A detailed outline of extraordinary circumstances
• A medical certificate or legal document to verify extraordinary circumstances
• Any other documentation supporting the situation

In such cases, a response will be dispatched in writing within 7 days of receiving the cancellation request submission. If approved, the student may incur fees.

Learning Cloud can, at its discretion, issue a Statement of Attainment for any successfully completed unit of competency when cancellations are approved. A Statement of Attainment will not be issued if payments have not been met, or the unit is not successfully completed.

In lieu of cancellation, a student may have the option to either change course, defer study or reduce weekly payment instalments. This will be offered to the student at Learning Clouds discretion.

Should a student fail to pay agreed tuition fees, Learning Cloud and our payment partner DebitSuccess will endeavour to contact the student on at least three occasions. This can include telephone calls, texts, emails and letters to the nominated postal address. It is the responsibility of the student to update administration should any contact details be changed while studying with Learning Cloud.

If the student has not contacted our administration or Debitsuccess to either make payment or alternative arrangement after the third attempt, the account will be forwarded to an external debt collection agency to collect payment on Learning Clouds behalf.

Please note that, should this occur, the student will be removed from their course until full course and debt collection fees have been paid and returned to administration. This can also affect your credit rating and ability to enrol in further study with Learning Cloud.

1. Introduction

This document outlines the rights and responsibilities you have with regard to the ability of Debitsuccess to directly debit your nominated bank account or credit card for any instalments or payments due by you under the terms and conditions of this Contract. All communication relating to this Contract are to be sent directly to Debitsuccess. All queries regarding the provision of the Services should be directed to the Facility.

2. Definitions

In this Contract, the words and phrases referred to below are defined as follows:

• “Commencement Date” means the date that the Facility provides the
  Services to the Customer or such other date as agreed by the Facility and the Customer.

• “Contract” means these terms and conditions together with the conditions of instruction to accept direct debits.

• “Customer” or “you” means the person or party signing this Contract. -“Debitsuccess” means Debitsuccess Pty Limited, a company incorporated in Australia – Phone: 1800 148 848, Email: [email protected], Postal address: P.O. Box 577, Mt. Waverley, Victoria 3149.

• “Facility” means the organisation providing the Services and/or its franchisees, as applicable.

• “Facility Membership Agreement” means any terms, conditions and contractual agreements made between the Facility and the
  Customer.

• “Services” means the services to be provided by the Facility pursuant to which this Contract relates. For the purposes of this Contract,
  “Services” means an entitlement to use the Services provided by the Facility and does not mean the “actual” use of the Services.

3. Term

This Contract will commence on the Commencement Date and will continue until all instalments and payments due have been paid in full, unless terminated earlier in accordance with clause 4.

4. Early termination

This Contract may be terminated at any time with the agreement of the Facility. The Customer shall not consider that this Contract has been terminated until such time as termination is confirmed in writing to the Customer by Debitsuccess and/or the Facility to the last address of the Customer that Debitsuccess has on record. Termination of this Contract will also terminate the instruction to accept direct debits.

5. Further customer agreements

The Customer agrees that:

• Change in Facility details – the Customer’s obligations under this Contract are not affected by a reasonable change in the normal location where the Services are ordinarily provided, a reasonable change in the location of the Facility’s premises, a change in the ownership of the Facility, or a change in the name of the Facility; and

• Rights conditional – the Customer’s rights to the Services are conditional upon he or she:

  • complying with any rules and conditions of the Facility relating to the Services; and
  • making any payments required under this Contract when due.

6. Payments

As consideration for receipt of the Services, the Customer agrees to pay the instalment amount at the agreed payment frequency for the term of this Contract. The Customer may alter the payment frequency and/or day to debit by requesting a change with Debitsuccess. However, any changes shall not affect the total amount of money the Customer would otherwise be required to pay. Should there be any payments in arrears, the Customer authorises Debitsuccess to debit the outstanding balance in order to bring the account up to date.

7. Administration Fee

A one-off fee of $15.00 AUD is payable to Debitsuccess by the Customer on signing this Contract. The Customer authorises Debitsuccess to add any fees owing under this clause, to the initial instalment to be paid by the Customer (as a separate payment or otherwise) or to such other instalments as Debitsuccess may, at its sole discretion, decide.

8. Late Payment Fee

A late payment fee of $14.95 AUD is payable by the Customer to Debitsuccess for each reversal of a payment initiated by Debitsuccess in accordance with this Contract. The Customer authorises Debitsuccess to add any fees owing under this clause to any future instalments paid by the Customer (as a separate payment or otherwise).

9. Privacy

The Customer acknowledges that:

• Debitsuccess is entitled to store his or her personal information (whether received from the Customer, the Facility or otherwise) on its systems, and use it for the purposes of administering this Contract, providing its products and services, or offering alternative products and services;

• he or she has rights of access to, and correction of, his or her information under the Privacy Act 1988 (Cth); and

• Debitsuccess (or the Facility) may contact the Customer for any purpose related to the provision of its products and services.

10. Liability

The Customer agrees that, to the extent permitted by law, neither the Facility, Debitsuccess or any of their related companies, directors or employees will be liable for any direct, indirect, or consequential injury, loss or damage to the Customer, or to the property of the Customer whatsoever, arising out of or in relation to this Contract.

11. Debt Collection Action

The Customer:

• authorises the Debitsuccess to notify any debt collection or credit reporting agency upon default by the Customer in regard to any obligation to pay under this Contract;
• agrees to immediately pay the full outstanding balance of the remainder of the payments due, including any current arrears, should a default occur prior to this Contract terminating;
• authorises Debitsuccess to add $25 to the outstanding debt as its fee for dealing with the default; and
• agrees to pay any and all costs incurred as a result of debt collection including the commission, fees and costs charged by any debt collection agency (approximately 25% of the outstanding debt).

12. Contracts Privity

The Customer acknowledges that Debitsuccess has been contracted by the Facility to collect the instalments due under this Contract and the Customer acknowledges that all rights of the Facility pursuant to this Contract are able to be enforced by Debitsuccess as if it were the Facility, without any involvement on the part of the Facility or the consent of the Customer.

13. Entire Agreement

This Contract and the Facility Membership Agreement (as applicable) constitutes the entire agreement, understanding and arrangement (express and implied) between the Customer, the Facility and Debitsuccess relating to the subject matter of this Contract, and supersedes and cancels any previous agreement, understanding and arrangement relating to the subject matter of these arrangements whether written or oral. In the event of any inconsistency between the terms of this Contract and the Facility Membership Agreement that specifically relate to the rights and obligations of the Facility (other than any right to unilaterally vary fees payable), the terms of the Facility Membership Agreement shall prevail.

14. Severability

If any provision of this Contract is prohibited, invalid or unenforceable, that provision will be ineffective to the extent of the prohibition, invalidity or unenforceability without invalidating the remaining provisions of this Contract or affecting the validity or enforceability of that provision, unless it materially alters the nature or material terms of this Contract.

1. INITIAL TERMS

Debitsuccess will debit your nominated account for the amounts and at the frequency of payments as agreed between us on the Debitsuccess DDR Contract, authorised and accepted by you.

2. CHANGE OF TERMS

In the unlikely event that the initial terms are to change, they can only do so in accordance with your Contract and we must give you at least 14 days’ notice of the changes including if applicable the new amount, new frequency and next debit date.

3. DEFERRING OR STOPPING A PAYMENT

Should you wish to defer a payment to another date you must contact Debitsuccess before the date of that payment to request the deferment. Deferments are entirely at the discretion of Debitsuccess and will depend on the length of deferment, the current state of your account and your past history. You may request us to stop an individual payment however you will still be liable to make this payment by some other method or your account will become overdue

4. ALTERING THE SCHEDULE

Should you wish to alter the payment frequency or Day to Debit, contact Debitsuccess and we, at our discretion, may be able to make the changes you require. There may be a fee charged for this service (details of any fees payable can be obtained by contacting Debitsuccess on 1-800 148 848). Any changes made will not affect the total amount you would otherwise have paid over the minimum term of your Contract.

5. SUSPENDING THE PAYMENTS

Suspension of payments may be possible under the terms of your Facility Membership Agreement. Payments may be suspended for a minimum of 2 weeks at a time so long as the total time suspended within the minimum term does not exceed 6 weeks. In order to suspend payments you should contact Debitsuccess at least 3 days prior to the date of the first suspended payment. There is a charge of $5.00 per week while the contract is suspended unless a different fee is specified on the front of this Contract. Any time spent on suspension will be added onto the minimum term of the Contract so that the sum of the instalments payable for the minimum term or number of payments shall still be payable regardless of any suspension or suspension charges made.

6. CANCELLING THE PAYMENTS

You can cancel this Direct Debit Request Authority by requesting this of Debitsuccess or your bank. Cancellation of the authority to debit your account will not terminate this contract or remove your liability to make the payments you have agreed to.

7. DISPUTES

If you dispute any debit payment, you must notify Debitsuccess immediately. Debitsuccess will respond to your dispute within 7 working days and will immediately refund the amount of the debit if we are not able to substantiate the reason for it. If you do not receive a satisfactory response from us to your dispute contact your financial institution who will respond to you with an answer to your claim within 5 business days if your claim is lodged within 12 months of the disputed drawing, or within 30 business days if your claim is lodged after 12 months from the disputed drawing.

8. NON WORKING DAY

When the day to debit falls on a weekend or public holiday the debit will be initiated on the next working day.

9. DISHONOURED PAYMENTS

It is your responsibility to ensure that on the due date clear funds are available in your nominated account to meet the direct debit payment. Should your payment be dishonoured, Debitsuccess will debit the amount indicated on the front of this Contract with your next payment and may, if we have not received instructions to the contrary from you, debit both the current due payment and the now overdue payment(s) on the same day. Debitsuccess may debit other fees or costs involved with debt collection in accordance with the terms and conditions of the Contract.

10. ENQUIRIES

All enquiries should be directed to Debitsuccess and should be made at least 1 working day prior to the next scheduled debit date.

11. YOUR OTHER RESPONSIBILITIES

In addition to those already mentioned, you are responsible for ensuring that your nominated account is able to accept direct debits. If it is not, it is your responsibility to provide Debitsuccess with a new account number.

This Short-Form Product Disclosure Statement (Short-Form PDS) is prepared by Debitsuccess Pty Ltd ABN 32 095 551 581 (Debitsuccess, We, Us). We are a wholly owned subsidiary of TSG Holdings (AUST) No.2 Pty Ltd ABN 89 608 821 281 and a related company of Transaction Services Holdings Limited ARBN 125 664 860 (‘TSHL’).

HOW TO CONTACT US

You can contact Us by telephone (1800 148 848), by fax (1800 777 084), via our website (www.debitsuccess.com.au) or by writing to us at PO Box 577, Mt Waverley Victoria 3149.

PRODUCT ISSUER

Debitsuccess is the issuer of the Debitsuccess Direct Debit Payment Product (the Product) under an intermediary authorisation with THSL. THSL hold an Australian Financial Services Licence (No. 338256) and We are an authorised representative of THSL (AR 407894) authorised to provide financial product advice about and deal in the Product.

THE PRODUCT

The Product is a non-cash payment facility which allows you to enter into an arrangement with us for the payment of reoccurring amounts to a single merchant by direct debit from your nominated bank account or credit card ('Account'). We can only provide the facility to you if we have received a completed Direct Debit Request that you have agreed to.

UPDATED INFORMATION

Some information might change from time to time. We will issue a supplementary or replacement Short-Form PDS to you if there is a materially adverse change to or omission from the information. For other changes, you can obtain up to date information by contacting us. We will send you updated Information free of charge on request.

DISCLAIMER

All information in this Short-Form PDS is general only and does not take account of your individual objectives, financial situation or specific needs. You should consider how the information in this Short-Form PDS meets your needs before deciding to apply for the Product.

OTHER INFORMATION THAT FORMS PART OF THIS SHORT-FORM PDS

The following documents are incorporated into, and form part of, this Short-Form PDS:

1. The Terms and Conditions of the Debitsuccess Contract and/or your customer/service contract; and

2. The Terms and Conditions of the Debitsuccess Direct Debit Request (DDR) Service Agreement.

You should read these documents as they include important information about the terms and conditions that apply to our provision of the Product to you, including information about cancellation and termination rights, breach of contract, liability and privacy. They are printed on the back of our Direct Debit Request (DDR) which you will be given by the merchant you require your payment to be made to. The documents are also publically available to view or download from our website or you can ask us for a copy.

SUMMARY OF FEATURES AND BENEFITS OF THE PRODUCT

The Product allows you to make recurring payments from your Account to a single merchant - for example a club or organisation you have membership to. It has many benefits, the key ones are summarised below:
Certainty - you can align payments to your income stream by nominating the day payments are to be deducted from your Account and the frequency. Flexibility - nominate payments to continue or stop on expiry of the minimum term.

Responsiveness - you can elect to pay more over a shorter term (paying off your liability earlier) or if your circumstances change you can arrange to make 'catch-up' payments in special circumstances.
Security of Data - we have in place security systems of a very high standard which comply with the Payment Card Industry Data Security Standards to ensure that your personal information is secure from unauthorised access.

SUMMARY OF RISKS OF USING THE PRODUCT

The Product is designed to provide you with a simple and easy to use payment solution. The Product is not
100% risk free and there are some risks associated with use of the Product. We cannot debit your account if you give us incorrect Account Detail or if you have insufficient clear funds in your Account and in the unlikely event that our systems or service providers are temporarily unavailable we may not be able to debit your Account on the nominated day.

DISPUTE RESOLUTION

If you are not satisfied with our services, please telephone our internal dispute resolution service on 1800 148
848 or write to us. We will acknowledge your complaint in writing within 7 days and endeavour to resolve it promptly. If you are not satisfied with our response, you dispute resolution can contact by telephone (1800 931 678) or via their website (https://www.afca.org.au/).

COSTS AND OTHER AMOUNTS PAYABLE

We may deduct the following fees from your Account at the times indicated:

Fee	Amount	When Payable
Administration*	A maximum amount of $110. The fee could range between $0 and $110 depending on your arrangement with your merchant For example: You may be charged a one off fee of $10 if so it will beclearly indicated on the DDR form that you complete with your merchant	Once only when Product is first established
Reversal	Up to $15	On the Dishonour of a payment
Debt Collection**	$25 plus 25% of full outstanding balance. For example, if your outstanding balance was $200, the Debt Cancellation Fee owing, in addition to the outstanding contract balance of $200, will be $75 comprising $25 plus 25% of the remaining balance (i.e. 25% of $200).	On cancellation of the product due to your failure to pay the required amounts under your customer/membership contract resulting in the referral of your account to Debt Collection.

*The fees noted in the table above are maximum amounts charged by Debitsuccess in relation to the provision of the product. The actual amounts payable are set out in your customer/membership contract. You will be notified in writing of the amount you pay before the Product is issued to you. ** This fee will only be charged if Debitsuccess provides Debt Collection Services to the business providing goods or services to you. If this is the case, the terms relating to Debt Collection Services set out in your customer/membership agreement will also apply.

This Short-Form Product Disclosure Statement is dated 7 December 2016 and provides a summary of key information in the Product Disclosure Statement as at that date. We will provide you with a Product Disclosure Statement free of charge on request.