Debit User’s name and address: QPR Limited (ACN 082 413 732) of PO Box 90 OSBORNE PARK WA 6917 ("we" or "us"). 

You have entered or are about to enter an arrangement under which you make payments to us. You want to make those payments by use of the AMEX, VISA or Mastercard recurring payments. This agreement sets out the terms on which we accept and act under a Recurring Payments Request ("your Recurring Payments Request") you give us to debit amounts from your account under the Recurring Payments System. It is additional to the arrangement under which you make payments to us. 

Please ensure you keep a copy of this agreement as it sets out certain rights you have against us and certain obligations you have to us due to giving us your Recurring Payment Request. 

When we are bound by this agreement. 

1. We agree to be bound by this agreement when we receive your Recurring Payment Request complete with the particulars we need to draw an amount under it. 

What we agree and what we can do. 

2. We only draw money out of your account in accordance with the terms of your Recuing Payments Request. 

3. On giving you at least 14 days’ notice, we may: 

- change our procedures in this agreement. 

- change the terms of your Recurring Payments Request; or 

- cancel your Recurring Payments Request. 

4. You may ask us to: 

- alter the terms of your Recurring Payments Request. 

- defer a payment to be made under your Recurring Payments Request. 

- stop a drawing under your Recurring Payments Request; or 

- cancel your Recurring Payments Request 

by giving us 14 days’ notice, either by sending correspondence to QPR Limited P O Box 90 Osborne Park WA 6917 or emailing us at info@qpr.com.au and quoting your QPR Limited account number and setting out the reasons for your request. 

5. You may dispute any amount we draw under your Recurring Payments Request by: 

Either sending correspondence to QPR Limited P O Box 90 Osborne Park WA 6917, emailing us at info@qpr.com.au or telephoning us on 1800 007 773. 

We deal with any dispute under clause 6 of this agreement.

6. We will attempt to resolve the dispute within 2 working days of its being made. If we cannot resolve the dispute within this time, we will contact you directly or send you a letter telling you what we have done and what other action we intend to take. The dispute will be resolved within 14 days from the date we contact you. 

7. If the day on which you must make any payment to us is not a business day, we draw on your account under your Recurring Payments Request on the preceding business day. 

8. If your financial institution rejects any of our attempts to draw an amount in accordance with your Recurring Payments Request, we will notify you in writing and keep seeking to draw the amount until all amounts due to us by you are paid. Note you may also incur a fee from your financial institution. 

9. We will not disclose to any person any information you give us on your Recurring Payments Request, which is not generally available, unless: 

- you dispute any amount we draw under your Recurring Payments Request, and we need to disclose any information relating to your Recurring Payments Request and to any amount we draw under it to the financial institution at which your account is held or the financial institution which sponsors our use of the Recurring Payments System or both of them; 

- you authorise that disclosure under this agreement. 

- you otherwise consent to that disclosure; or 

- we are required to disclose that information by law. 

What you should consider 

10. Not all accounts held with a financial institution are available to be drawn on under the Recurring Payments System. 

11. Before you complete your Recurring Payments Request, it is best to check account details against a recent statement from your financial institution to ensure the details on your Recurring Payments Request are completed correctly. 

12. Please enquire of your financial institution, if you are uncertain when your financial institution processes an amount, we draw under your Recurring Payments Request on a day which is not a business day. 

13. It is your responsibility to ensure there are sufficient clear funds available in your account, by the due date on which we draw any amount under your Recurring Payments Request, to enable us to obtain payment in accordance with your Recurring Payments Request. 

4. We request you to direct all requests to stop or cancel your Recurring Payments Request to us or your financial institution; and all enquiries relating to any dispute under Clause 6 of this agreement to us or your financial institution.