RapidPay
RapidPay (which comprises the service RapidPay and the websites www.rapidpay.com.au and www.rapidpaylegal.com.au)
is operated by Rapid Financial Services Solutions Pty Limited ABN 25 603 888 179, AFSL 485573.
RapidPay is transactional aggregator and sits between the Payer (you) and the Biller (the organisation to whom you are making the payment and being the client of RapidPay). In all cases the Biller is an Australian law
firm, RapidPay processes payments in Australian Dollars for bills issued by these Billers.
Your access to RapidPay (“RapidPay”, “Services”, “we” or “us”) is subject to these terms of use, the RapidPay Privacy Policy, notices, disclaimers and any
other terms and conditions. If you use any of the services contained within RapidPay for which additional or alternative terms and conditions are referred, then you are also subject to these additional or alternative terms,
all of which are collectively the RapidPay Terms of Use ("Terms of Use"). By accessing, viewing or otherwise using RapidPay, you agree to be subject to these Terms of Use.
RapidPay may, in its reasonable discretion and from time to time, may vary or modify the Terms of Use without notice. Any subsequent access, viewing or otherwise using RapidPay will constitute an acceptance of the variations or
modifications. These Terms of Use and your access to RapidPay may be terminated at any time without notice by RapidPay, acting reasonably. All restrictions, licences, disclaimers and limitation of liability by RapidPay will survive termination.
1. Representations
By using RapidPay you acknowledge that you:
- have read and understood the Terms of Use;
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(In relation to RapidPay) understand that all fees, charges and applicable taxes for your payments will be displayed prior to each payment being confirmed by you. The amount payable plus the applicable fee (as at the
date of payment) will be debited from your nominated credit card as a single amount. For example, a payment of $100.00 plus a surcharge fee of $1.85 will result in a debit to your nominated credit card of $101.85;
2. Refund Policy
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Transaction Amount
RapidPay acts as a transactional aggregator and sits between the Payer (you) and the Biller (the organisation to whom you are making the payment and being the client of RapidPay).
RapidPay can only reverse or refund authorised transactions on the same business day of the date of the transaction. Please contact us by telephone on 1800 487 749 or by email to support@rapidpay.com.au
After this period has elapsed you must contact your Biller directly for a refund or reversal.
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Transaction Fees and Surcharges
Transaction fees and surcharges that are charged to your credit card for facilitating a RapidPay transaction are non-refundable as this is a cost incurred by RapidPay for processing the transaction.
Transaction fees and surcharges are collected through RapidPay. The Biller to whom you are making your payment has elected to pass these fees and surcharges on to you;
Current surcharge maximum rates are
| Card Type | Surcharge Rate |
|---|
| Visa | 1.85% |
| MasterCard | 1.85% |
| American Express | 1.85% |
| JCB | 1.85% |
Where you believe any transaction fee or surcharge has been charged in error you should request a refund by either:
- Writing to RapidPay, Level 8, 207 Kent Street, Sydney NSW 2001; or
- Emailing support@rapidpay.com.au, and include a full explanation of your situation. RapidPay will generally reply within five (5) Business Days.
All requests for refunds must be made within 30 days of the original transaction being processed.
3. Timing of Payments
- For credit card payments, the Business Day cut-off times are 5.30pm AEDT. Payments will generally be received by your biller at the end of two business days.
4. General Disclaimers
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All information contained on RapidPay is given in good faith and has been obtained from sources believed to be accurate. However, RapidPay has not verified the information, which may not be complete or accurate for your purposes.
RapidPay makes no representation or warranty of any kind as to the completeness or accuracy of the information on RapidPay. It is general information only and should not be considered as a comprehensive statement on any matter,
nor relied upon as such. Please contact your Biller if you require specific information about your payment.
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Subject to any provisions in the Competition and Consumer Act 2010 (Cth), or any other relevant law, RapidPay does not guarantee the security of RapidPay, give any warranty of reliability or accuracy nor accepts any responsibility
arising in any other way including by reason of negligence for, errors in, or omissions from, the information on RapidPay and, to the extent permitted by law, does not accept any liability for any loss or damage as a result of any
person relying on any information on RapidPay or being unable to access RapidPay.
- RapidPay is not responsible for any ability of a mobile device to access RapidPay or any loss or damage to a mobile device resulting from your access or use or attempted use of RapidPay.
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RapidPay may suspend any part or all of RapidPay without notice if reasonably required in order to reduce or prevent fraud, if required by law or in order for emergency maintenance or repairs to be carried out. RapidPay will give
prior notice on the RapidPay website for any planned or scheduled outages.
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Where RapidPay provides any advice on the RapidPay website, it has been prepared without considering your objectives, financial situation or needs. Before acting on any advice on the RapidPay website, you should consider its
appropriateness having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on the RapidPay website.
- Past performance of any product described on this site is not a reliable indication of future performance.
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Unless otherwise specified, the Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any
information, software, products or services obtained from the Services.
5. Copyright and Trademarks
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RapidPay is either the owner or licensed user of the copyright in the material on RapidPay. You may not reproduce, adapt, upload, link, frame, broadcast, distribute or in any way transmit the material on RapidPay without the written
consent of RapidPay, other than to the extent necessary to view the material or as permitted by law.
- The RapidPay name and all its associated trademarks (including, without limitation, the RapidPay logo) are trademarks of RapidPay.
6. Dispute Resolution
- To dispute any transaction processed on your behalf, contact RapidPay on the details noted in clause 2 or contact your financial institution.
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In the event that any payment dispute remains unresolved, you may contact your financial institution and lodge the relevant customer claim form. Your financial institution may investigate whether or not the payment in dispute
was authorised by you. Accordingly, you hereby authorise RapidPay to provide your financial institution with any information it may require determining your claim.
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If the disputed payment occurred within 12 months of the date of your claim, upon request from your financial institution, RapidPay will endeavour to provide your financial institution with the relevant information it requests within
seven (7) days.
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If the disputed payment occurred outside 12 months from the date of your claim, upon request from your financial institution, RapidPay will endeavour to provide your financial institution with the relevant information it requests within 30 days.
- If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.
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Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
7. No Unlawful or Prohibited use
As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Services in any manner that could damage, disable, overburden,
or impair any RapidPay, or the network(s) connected to any RapidPay Server, or interfere with any other party's use and enjoyment of any Services.
You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any RapidPay Server or to any of the Services, through hacking, password mining or any other means. You may not
obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.
8. Privacy Policy
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We may collect, hold, use and disclose personal information to process an application, deliver the RapidPay services, assist your Biller with payment enquiries, deal with complaints and otherwise handle your personal information in accordance
with our Privacy Policy (available at www.rapidpaylegal.com.au and www.rapidpay.com.au).
- We may exchange your personal information with your Biller, your authorised representatives, our related companies and our service providers (described further in our Privacy Policy).
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You acknowledge that we need to collect, verify and handle personal information about you to enable us to deliver the RapidPay services and without that information we may not be able to effect payments under this agreement.
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You agree to the handling of your personal information in accordance with the Privacy Policy. Our Privacy Policy contains further details about our handling of personal information, complaints, website privacy and information regarding your rights
to request access to or correct information we hold.
9. Severability
If any provision of the Terms of Use is unenforceable, illegal or void, then it is severed, and all other provisions remain in force.
10. Definitions
AEDT means Australian Eastern Daylight Time.
Business Day means a day that banks are open for business in Sydney, New South Wales, Australia.
Terms updated 9 June 2021