Covid-19:

COVID-19: We are here to assist you at this time.

We understand that many of our customers may be facing uncertainty and financial difficulties due to the impacts of COVID-19.

Our staff are here to assist you during these unprecedented times.

If you have been impacted by COVID-19, it is important that you contact our office on the telephone number listed on any correspondence you may have received from our office. If you do not have any correspondence from us, please call us on (03) 9731 7700.

On behalf of everyone at Transaction Capital Finance, we hope you and your family stay safe during this period.

Payment Terms and Conditions

1: Definitions

1.1 Account means Credit Card or Bank Account details held at your financial institution from which Transaction Capital Finance Pty Ltd are authorised to arrange for funds to be debited.
1.2 Agreement means this Agreement between you and Transaction Capital Finance Pty Ltd.
1.3 Business day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.
1.4 Customer means the Account holder with Transaction Capital Finance or an authorised representative acting on their behalf.
1.5 Debit Day(s) means the day(s) that your payment is due.
1.6 Debit Payment means a particular transaction where a debit is made.
1.7 Direct Debit means you authorising Transaction Capital Finance Pty Ltd to debit your Account directly pursuant to this Agreement.
1.8 Us or We means Transaction Capital Finance Pty Ltd.
1.9 You or Your means the Customer.
1.10 Your financial institution is the financial institution where you hold the Account from which you have authorised Transaction Capital Finance Pty Ltd to directly debit.

2: Debiting Your Account

2.1 By making the payment to Transaction Capital Finance Pty Ltd, you agree that you are the Account holder, or authorised by the Account holder to make this payment.
2.2 By authorising Transaction Capital Finance Pty Ltd to debit your Account, you have agreed to accept the terms and conditions contained in this Agreement.
2.3 By accepting this Agreement, you authorise Transaction Capital Finance Pty Ltd to arrange for funds to be debited directly from your Account within 3 Business days from the agreed Debit Day(s).
2.4 If the Debit Day(s) fall(s) on a day that is not a Business day, Transaction Capital Finance Pty Ltd may direct your financial institution to debit your Account on the following Business day.
2.5 If a Direct Debit from your Account has been dishonoured, you authorise Transaction Capital Finance Pty Ltd to re-attempt the payment within 7 days from the dishonoured payment date.
2.6 You agree Transaction Capital Finance Pty Ltd will not be liable for any dishonoured Direct Debit fees incurred you.
2.7 If you are unsure about which day your Account has or will be debited you should ask your financial institution.
2.8 Whilst Transaction Capital Finance Pty Ltd will not add any surcharge to the payment, the transaction may incur a charge directly from your financial institution dependent on the terms and conditions of your agreement with them.
2.9 The accepted credit cards are Visa and MasterCard.
2.10 Only cleared funds in your Account can be debited by Transaction Capital Finance Pty Ltd.

3: Changes by us

3.1 Transaction Capital Finance Pty Ltd will not vary any details of the payment amount or frequency of the Agreement at any time without your authority.
3.2 With the exception of item 3.1 of this Agreement, Transaction Capital Finance Pty Ltd reserves the right to alter other terms of this Agreement.
3.3 Any alterations to the terms of this Agreement other than in item 3.1 will be notified to you by giving you 14 days’ notice.

4: Changes by you

4.1 If you wish to change the payment amount or frequency of this Agreement, you may contact Transaction Capital Finance Pty Ltd by sending an email to enquiries@transactioncapitalfinance.com.au or at PO Box 13243 Law Courts, Melbourne Vic 8010.
4.2 Any changes proposed by you would require our approval.
4.3 If you wish to stop or defer a Debit Payment you must notify Transaction Capital Finance Pty Ltd in writing (3) clear Business days before the next Debit Day.
4.4 You may instruct your financial institution to terminate your Direct Debit Payment Agreement with Transaction Capital Finance Pty Ltd by giving to the institution the requisite notice they require.
4.5 Should you stop your Direct Debit Payment Agreement while an amount is still owed, it is your obligation to enter into an alternative payment arrangement with Transaction Capital Finance Pty Ltd immediately.

5: Your obligations

5.1 It is your responsibility to ensure that there are sufficient cleared funds available in your Account to allow a Debit Payment to be made in accordance with this Agreement.
5.2 If there are insufficient cleared funds in your Account to meet a Debit Payment:
 a) you may be charged a fee and/or interest by your financial institution;
 b) you may also incur fees or charges imposed or incurred by Transaction Capital Finance Pty Ltd; and
 c) you must arrange for the Debit Payment to be made by another method or arrange for sufficient cleared funds to be in your Account by an agreed time so that Transaction Capital Finance Pty Ltd can process the Debit Payment.
5.3 You should check your Account statement to verify that the amounts debited from your Account are correct.

6: Dispute

6.1 If you believe that there has been an error in debiting your Account, you should notify Transaction Capital Finance Pty Ltd directly by sending an email to enquiries@transactioncapitalfinance.com.au so that we can resolve your query.
6.2 If we conclude as a result of our investigations that your Account has been incorrectly debited we will respond to your query by arranging for your financial institution to adjust your Account accordingly.
6.3 If Transaction Capital Finance Pty Ltd conclude as a result of our investigations that your Account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding.
6.4 Any queries you may have about an error made in debiting your Account should be directed to Transaction Capital Finance Pty Ltd in the first instance so that we can attempt to resolve the matter between us and you. If we cannot resolve the matter you can still refer it to your financial institution which will obtain details from you of the disputed transaction and may lodge a claim on your behalf.

7: Accounts

7.1 You should check:
 a) With your financial institution whether Direct Debiting is available from your Account.
 b) Your Account details which you have provided to Transaction Capital Finance Pty Ltd are correct by checking them against a recent Account statement; and
 c) With your financial institution if you have any queries about Direct Debit.

8: Confidentiality

8.1 Transaction Capital Finance Pty Ltd will keep any information (including your Account details) in this Agreement confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of Transaction Capital Finance Pty Ltd employees or agents who have access to information about you do not make any unauthorised modification, reproduction or disclosure of that information.
8.2 Transaction Capital Finance Pty Ltd will only disclose information that we have about you:
 a) To the extent specifically required by law; or
 b) for the purposes of this Agreement (including disclosing information in connection with any query or claim) and;
 c) where we have collected the information about you in order to recover an amount owed to another entity, the information may be disclosed to that entity.

9: Notice

9.1 If you wish to notify us in writing about anything relating to the agreement, you should write to PO Box 13243 Law Courts, Melbourne Vic 8010.
9.2 We will notify you by sending a notice in the ordinary post to the address you have given us in the agreement.
9.3 Any notice will be deemed to have been received five business days after it is posted.