Payment Terms and Conditions and Refund Policy

These Payment Terms and Conditions and Refund Policy are for Jacaranda Finance Pty Ltd, ABN 53 162 078 195, Australian Credit License (ACL) Number: 456404, of Level 1, 339 Coronation Drive, Milton Qld 4064, and are applicable in the governing jurisdiction of Australia.

General

By using any of the available payment service providers, I acknowledge and accept the following general terms and conditions:

• I understand that if I am making an extra repayment and any direct debit arrangements I have in place may not automatically update. I also understand I should contact the lender if I need an upcoming direct debit payment to be changed.
• I understand that I will be providing my information to a third-party service provider.
• I will be required to read and agree to their User Terms & Conditions and related documents before use.
• I will only use cards or accounts that are in my own name to make payments.
• I will not be on-charged service fees by the lender for the use of these services.
• I understand that I am using these services at my own risk.

Refunds

By using any of the available payment service providers, I acknowledge and accept the following terms and conditions relating to refunds:

• Refunds on credit accounts could be viewed as "redraws", which there are legal restrictions on. As such the lender, which is not a retail business, will not generally make refunds available should I change my mind about making a payment or not be approved for a new loan.
• I will be refunded by the lender where an account has been overpaid and has exceeded the legally chargeable amount.
• I may request a refund where payment was made without my consent, knowing this may require investigation by the lender before a refund is processed.
• Refunds will be accepted where a payment was made in error.
• Refunds may only occur once payments on the account have cleared, which in some cases can take up to 3 business days.
• The lender may grant refunds in other circumstances at their discretion.

Saved Cards

By using any of the available payment service providers, and using the save card option, I acknowledge and accept the following terms and conditions:

• I understand my card details will be saved with a PCI compliant third-party service provider.
• I understand my card details will be available as a payment method for my account and I am providing authorisation for it to be debited on an ongoing basis.
• I understand my card details can be used to pay due amounts on my account, including overdue payments.

Declaration

I declare that I have read, understood, acknowledge and accept to all the terms and conditions set out in this document.