1. Post Billpay and You

1.1 These Terms and Conditions constitute the agreement between You and Australia Post which governs the supply of the Service to You and sets out the basis of Your legal relationship with Australia Post.

2. Meaning of words

2.1 When used in these Terms and Conditions, the following words have the meanings given below:

"Account" means the account of your Nominated Financial Institution to which Your Payment Method is linked and that we are authorised to debit in accordance with Your instructions when performing the Service.

"AEST" means Australian Eastern Standard Time.

"Authorised User" means, if the Customer is a business, a corporation, or other entity, the person nominated by the Customer as being authorised to make Bill payments on behalf of the Customer via the Service.

"Bill" means an account, invoice, statement or demand for payment (however described) of a Biller and payable by a Customer via the Service.

"Biller" means an organisation or business, which has agreed with Australia Post to accept payments via Post Billpay so that their Customers can pay their Bills via the Service.

"Business Day" means any day, Monday to Friday on which Banks in Melbourne or Sydney are able to effect settlement through the Reserve Bank of Australia.

"Customer" means an individual, business, corporation or other entity, including an Authorised User, who uses the Service to pay a Bill.

"Nominated Financial Institution" means the bank or financial institution or credit provider that operates the Account.

"Payment" means acceptance of your Bill payment transaction via the Service.

"Payment ID Number" means a transaction record generated by the Service which indicates that a Bill Payment transaction has been accepted for processing.

"Payment method" means a payment method accepted by the Service, including, but not limited to, debit cards, credit cards, PayPal, or any other payment method approved by Us at any time.

"Service" means the Post Billpay service.

"States" means the States and Territories of the Commonwealth of Australia.

"Terms and Conditions" means these terms and conditions, as amended by us from time to time.

"We", "Us", "Our", and "Australia Post" mean the Australian Postal Corporation, proprietor of the Service, its employees and agents.

"You" and "Your" means the Customer.

3. Your obligations and responsibilities

3.1 You agree that all information You provide to Us during Your use of the Service is correct to the best of Your knowledge at the time You supply it.

3.2 It is Your responsibility to ensure that sufficient credit or funds are available in the relevant Account at all relevant times to enable Payment of the Bill.

3.3 Where a Bill payment is declined by Your Nominated Financial Institution for any reason Your Bill payment transaction will not result in payment of Your Bill and Your Bill will remain unpaid. You will be responsible for any additional fees and charges levied by either Your Nominated Financial Institution or the Biller as a result of non-payment.

4. Your authority

4.1 You agree that We may request that Your Nominated Financial Institution debit Your Account in order to complete the transaction and pay the Biller.

4.2 You warrant that You are entitled to use the chosen Payment Method and associated Account, and that We have been authorised by You to process the transaction.

4.3 You agree that You:

1.will supply Us, upon request, with all information We reasonably require in order to enable Us to provide the Service to You; and

2.authorise Us to obtain from and provide to Billers and Your Nominated Financial Institution and other third parties such information as may reasonably be required for the purpose of providing the Service, including in the resolution of any issues. You authorise the exchange of such information with these persons.
See clause 8 regarding Privacy and security for information about how we deal with your personal information.

5. Charges

5.1 You may incur fees and / or charges imposed by Your Biller at the time of making Payment, or on Your next bill, for payment processing costs.

5.2 If a fee and / or charge is applied at the time of making Your payment, You will be advised of this before the payment is processed and You will have the opportunity to cancel or change the payment before it is processed.

6. Using the service