Schedule 6 - DIRECT DEBIT REQUEST SERVICE AGREEMENT (DDRSA)

Last updated: 26 May, 2026

Please keep this agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with the DDR. The terms of this DDRSA are for the purpose of HAPPY CP COMPANY LIMITED debiting from your account on a regular basis.

Definitions in this DDRSA:
Account means the account held at your financial institution from which we are authorised to arrange for funds to be debited.
Agreement means this Direct Debit Request Service Agreement between you and us.
Banking Day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.
Debit day means the day that payment by you to us is due.
Debit Payment means a particular transaction where a debit is made.
Direct Debit Request means the Direct Debit Request between you and us.
Us or We means HAPPY CP COMPANY LIMITED and/or its direct debit service provider GOCARDLESS you have authorised by requesting a Direct Debit Request.
You means the customer who has signed or authorised by other means the Direct Debit Request.
Your Financial Institution means the financial institution nominated by you on the DDR at which the account is maintained.
Debiting your account
1. By signing a Direct Debit Request or by providing us with a valid instruction, you have authorised us to arrange for funds to be debited from your account. You should refer to the Direct Debit Request and this agreement for the terms of the arrangement between us and you.
2. We will only arrange for funds to be debited from your account as authorised in the Direct Debit Request.
3. If the debit day falls on a day that is not a Banking Day, we may direct Your Financial Institution to debit your account on the following banking day. If you are unsure about which day your account has or will be debited, you should ask Your Financial Institution.
Amendments by us
1. We may vary any details of this agreement or a Direct Debit Request at any time by giving you at least fourteen (14) days written notice.
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Dispute
1. If you believe that there has been an error in debiting your account, you should notify us directly and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly. Alternatively, you can take it up directly with Your Financial Institution.
1. 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 (including interest and charges) accordingly. We will also notify you in writing of the amount by which your account has been adjusted.
1. If we 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 in writing.
Accounts
1. You should check:
1. with Your Financial Institution whether direct debiting is available from your account as direct debiting is not available on all accounts offered by financial institutions.
1. your account details which you have provided to us are correct by checking them against a recent account statement, and with Your Financial Institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request.
Confidentiality
1. We will keep any information (including your account details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.
1. We will only disclose information that we have about you to the extent specifically required by law, or for the purposes of this agreement (including disclosing information in connection with any query or claim).
Notice
1. If you wish to notify us in writing about anything relating to this agreement, you should write to support@choco-up.com or your assigned account manager.
1. We will notify you by sending a notice in the ordinary post to the address you have given us in the Direct Debit Request.
1. Any notice will be deemed to have been received on the third banking day after posting.

Schedule 6 - DIRECT DEBIT REQUEST SERVICE AGREEMENT (DDRSA)

Definitions in this DDRSA:

Debiting your account

Amendments by us

Dispute

Accounts

Confidentiality

Notice