Credit Card Request Service Agreement (CCR-SA)

The following is your Credit Card Request Service Agreement with LIVA Telecom. This agreement explains your obligations when entering into a financial arrangement with LIVA Telecom and also outlines our obligations to you.

We recommend that you keep this agreement in a safe place for future reference. This agreement forms part of the terms and conditions of your Credit Card Request (CCR).

Definitions

• Account means the account held at your financial institution from which we arrange funds to be debited.
• Agreement means this Credit Card Request Service Agreement between you and us.
• Debit Day means the day on which payment from you to us is due.
• Debit Payment means a particular transaction where a debit is made.
• Credit Card Request means the Credit Card Request between you and us.
• Us / We means LIVA Telecom (the Debit User).
• You means the customer.
• Your Financial Institution means the financial institution that issued your credit card.

Payment

By approving this Credit Card Service Agreement, you authorise us to arrange for funds to be debited from your nominated account. You should refer to this agreement for the terms governing the arrangement between you and us.

We will only arrange for funds to be debited from your account as authorised in this service agreement.

Payments are debited within ten (10) working days from the invoice issue date.

Amendments by Us

We may vary any part of this agreement at any time by providing you with at least fourteen (14) days' written notice.

Amendments by You

You may request to change, suspend, defer or cancel a payment, or terminate this agreement, by providing us with at least fourteen (14) days' notice. This can be done by:

• Contacting us by telephone on 1300 345 148 during business hours
• Sending us an email on billing@livatelecom.com.au
• Arranging the change directly through your financial institution

Your Obligations

It is your responsibility to ensure that sufficient funds are available in your account to allow a payment to be made in accordance with this Credit Card Service Agreement.

Unless otherwise agreed, we will continue attempting to debit payment from your account daily until payment is successfully processed or contact is made with you.

If there are insufficient funds in your account to meet a debit payment:

• We may charge you a fee
• You must arrange payment using an alternative method or ensure sufficient cleared funds are available by an agreed time

You should review your account statements to ensure that all debited amounts are correct.

If LIVA Telecom is required to pay GST on a supply made in connection with this agreement, you agree to pay LIVA Telecom, on demand, an amount equal to the consideration payable multiplied by the prevailing GST rate.

Dispute Resolution

If you believe there has been an error in debiting your account, you should notify us as soon as possible by telephone or in writing so that we can investigate and resolve the issue. Alternatively, you may raise the matter directly with your financial institution.

If our investigation determines that your account has been incorrectly debited, we will arrange for your financial institution to adjust your account accordingly and notify you in writing.

If we determine that your account has not been incorrectly debited, we will provide you with written reasons and supporting evidence.

Accounts

You should ensure that the account details you have provided to us are accurate.

Confidentiality

We treat confidentiality seriously. Your billing information is collected, used and stored in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

Our Privacy Policy explains what personal information we collect, how it is used and your rights to access that information.

We will only disclose information about you:

• Where required by law
• For the purposes of this agreement, including in connection with any enquiry or claim

Notice

If you wish to notify us in writing regarding any matter relating to this agreement, you may:

• email: billing@livatelecom.com.au