RACWA Holdings Pty Ltd (on behalf of The Royal Automobile Club of Western Australia Inc)  (‘us’ or ‘we’) as the Debit User will initiate direct debit payment in accordance with your instructions and these terms and conditions apply whether you have given instructions to us in writing, by email, over the phone or in person.

If you do not accept these terms and conditions, or you wish to cancel or amend your direct debit arrangements, or defer a debit payment, you must notify us at least 6 business days prior to your debit day by writing to us at GPO Box C140, Perth WA 6839 or calling us on 13 17 03.

The details of your direct debit arrangements including a schedule of when payments will be drawn and will be provided to you in writing.

We will give you not less than 10 business days written notice if we propose to vary the details of your direct debit arrangements.  The written notice will state the new amount, next drawing date and any other changes which have been made.

If you wish to cancel your direct debit arrangements with us you must arrange a suitable alternative payment method and pay the balance of any outstanding Rewards Membership fees before we will cancel your direct debit arrangements.

We reserve the right to cancel this direct debit arrangement should one or more of your debit payments be returned or dishonoured. You shall be responsible for any fees associated with dishonoured payments.

If your debit payment is returned or dishonoured by your financial institution, we reserve the right to redraw after 10 business days.

If a debit payment falls due on any day which is not a business day, the payment may be taken on the last business day prior to the due day or will be made on the next business day. If you are unsure when the debit will be processed to your account you should ask your financial institution.

Any queries concerning disputed debit payments must be directed to us in the first instance by contacting us on 13 17 03 or at any RAC Member Service Centre. If we cannot resolve a query or dispute between us, you may refer your query or dispute to our bank Westpac who may ask you to provide information in connection with your query or dispute.

Direct debiting is not available on the full range of accounts at all financial institutions. If in doubt, you should check with your financial institution before requesting direct debit from us.

You are advised to check your account details against a recent statement before completing a direct debit request.

It is your responsibility to have sufficient cleared funds available in the account to be debited to enable debit payments to be made.

Except to the extent that disclosure is necessary in order to process debit payments, investigate and resolve disputed transactions or is otherwise required by law, we will keep details of your account and debit payments confidential.

We will only collect, store and use your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and our Group Privacy Policy. RAC’s Group Privacy Policy can be viewed here.

We reserve the right to change these terms and conditions at any time without notice.  Changes made can be viewed by visiting www.rac.com.au