Direct Debit Request Service Agreement

Last updated: 23 June 2026

This Direct Debit Request Service Agreement applies when you authorise True North Innovations Pty Ltd (ABN 34 677 383 149) ("TNI", "we", "us" or "our") to collect payments from an Australian bank account by BECS Direct Debit through Stripe.

It should be read with our Terms & Conditions, Refund & Cancellation Policy, Privacy Policy, your quote, your Service Schedule, and the direct debit authorisation shown during the Stripe or website payment flow.

1. What BECS Direct Debit is

BECS Direct Debit is an Australian bank account direct debit payment method.

When you give a valid Direct Debit Request, payments may be debited from your nominated Australian bank account for the amounts and at the times you have authorised.

We use Stripe Payments Australia Pty Ltd or a related Stripe entity ("Stripe") to process BECS Direct Debit payments.

Stripe acts as payment processor and collection agent for the debit. Stripe does not provide our marketing, website, CRM, AI or agency services to you.

2. Your direct debit authorisation

By setting up a direct debit, you authorise us, through Stripe, to debit your nominated account for:

1. recurring monthly subscription or retainer fees;
2. one-off setup fees or upfront payments where authorised;
3. invoices you have agreed to pay by direct debit;
4. failed-payment retries where permitted; and
5. any other amount you have authorised in writing.

For subscription plans, the usual debit schedule is once per month, on or about the same day of the month as your sign-up date, unless your Service Schedule or invoice says otherwise.

If a debit date falls on a non-business day, the debit may be processed on the next business day.

BECS payments can take several business days to process and clear. A payment is not treated as cleared until Stripe confirms that it has succeeded.

3. Amounts, frequency and minimum term

The amount, frequency and minimum term are set out in your checkout flow, quote, invoice, Service Schedule or Engagement.

For recurring retainers, unless your Service Schedule says otherwise:

1. the minimum term is six months;
2. payments are monthly;
3. payments continue month to month after the minimum term; and
4. cancellation is handled under the Refund & Cancellation Policy.

4. Changes to drawing arrangements

We will give you at least 30 days' written notice of material changes to the drawing arrangements, unless the change is requested by you or required by law.

This may include changes to debit amount, frequency or schedule.

Changes that come from a new quote, new Service Schedule, accepted plan change, agreed upgrade, agreed downgrade or updated invoice may be treated as authorised by your acceptance of that arrangement.

5. Your responsibilities

You must:

1. ensure the nominated account can accept direct debits;
2. ensure all required account holders or authorised signatories approve the Direct Debit Request;
3. ensure there are sufficient cleared funds in the account on the debit date;
4. ensure the account details you provide are correct;
5. tell us promptly if the account is closed, transferred, changed or unable to accept debits;
6. arrange another payment method if the drawing arrangement is cancelled or fails; and
7. tell us as soon as possible if you believe a debit is wrong.

6. Changing, deferring or cancelling a direct debit

You may ask us to change, defer, pause or cancel your direct debit arrangement by contacting us.

Please give us at least seven business days' notice before the next scheduled debit where possible.

Contact:

• accounts@truenorthinnovations.com.au
• 03 4158 4444

You may also ask your bank to stop or cancel a direct debit.

Cancelling the direct debit authority does not, by itself, cancel your Engagement, end a minimum-term commitment, remove notice-period fees, remove fees already incurred or remove amounts already owed.

7. Failed, dishonoured or reversed payments

If a debit fails, is dishonoured, is reversed or is disputed, we may notify you, retry the debit, ask you to pay by another method, pass on reasonable third-party dishonour or payment-failure fees where permitted, pause or suspend services, and require payment in advance before services continue.

You remain responsible for amounts payable under your Engagement.

8. Disputes

If you believe a debit is incorrect or unauthorised, please contact us first so we can investigate promptly.

You may also contact your bank.

If a debit is found to be incorrect, we will arrange a correction or refund as required.

If a disputed or reversed debit relates to an amount that remains payable under your Engagement, we may ask you to pay that amount another way.

9. Privacy and bank account details

Bank account details are collected and processed by Stripe. We do not store your full bank account number on our own systems.

Stripe may process information in accordance with its own privacy terms and payment processing requirements.

We handle personal information in accordance with our Privacy Policy.

10. Copies and records

Your direct debit authorisation may be recorded electronically through Stripe, our website, ERPNext, email records, metadata, audit logs or other secure business systems.

TNI will keep or be able to access evidence of the Direct Debit Request and related Service Agreement, including the accepted version of this Direct Debit Request Service Agreement, customer name, business name, email address, Stripe customer ID, Stripe subscription ID, Stripe mandate or payment method references where available, accepted legal versions, accepted legal bundle version, timestamp, IP address where available, user-agent/browser information where available, debit amount, debit frequency, Service Schedule or plan details, and accepted legal bundle hash or snapshot reference where available.

TNI will ensure this Direct Debit Request Service Agreement is made available to you at or before the time the Direct Debit Request is obtained.

TNI will ensure you receive or can access a non-changeable copy of the direct debit authority and applicable Service Agreement.

11. Relationship with other documents

This agreement only deals with the direct debit arrangement.

Your obligation to pay for services is set out in the Terms & Conditions, Refund & Cancellation Policy and your Engagement.

If this agreement conflicts with direct debit terms presented by Stripe during the payment flow, the Stripe direct debit terms may apply to the payment processing mechanics.

12. Contact

True North Innovations Pty Ltd
ABN: 34 677 383 149
Accounts and billing: accounts@truenorthinnovations.com.au
General enquiries: info@truenorthinnovations.com.au
Phone: 03 4158 4444