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.builder-paragraph{color:inherit;line-height:inherit;-webkit-letter-spacing:inherit;-moz-letter-spacing:inherit;-ms-letter-spacing:inherit;letter-spacing:inherit;font-weight:inherit;font-size:inherit;text-align:inherit;font-family:inherit;}</style><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong> Afterpay Terms of Service - Australia</strong></p><p></p></span></div><style data-emotion-css="n7rytx">.css-n7rytx.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:20px;margin-top:0px;}</style><div class="builder-block builder-bb34913bd7304615b29237d92b42d62a content-text builder-has-component css-n7rytx" builder-id="builder-bb34913bd7304615b29237d92b42d62a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">EFFECTIVE DATE: 7 NOVEMBER 2024</p><p></p></span></div><div class="builder-block builder-ef8a3b5915e54ec5b58b4ea5cbf35ce1 content-text builder-has-component css-n7rytx" builder-id="builder-ef8a3b5915e54ec5b58b4ea5cbf35ce1"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">HIGHLIGHTS:</p><p></p></span></div><style data-emotion-css="1qd4cp3">.css-1qd4cp3.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:0px;margin-top:0px;padding-left:12px;}</style><div class="builder-block builder-9c57d4c184e64601b2ae78d5e90b6ae2 content-list builder-has-component css-1qd4cp3" builder-id="builder-9c57d4c184e64601b2ae78d5e90b6ae2"><span class="builder-text css-1qggkls"><ul><li>Afterpay allows you to pay for your purchase over 4 instalments, due on the dates outlined in the Payment Schedule for your purchase. In some cases, Afterpay may require you to make a payment at the time of purchase.</li><li>You must meet identification requirements and our eligibility criteria, including that you must be at least 18 years old and be the authorised holder of an eligible Card to apply (see clause 2.4 for eligibility criteria).</li><li>All Orders are subject to Afterpay’s approval – for example, if you have any overdue payments, Afterpay will not be available to you. For more information on assessment and checks, see clause 6.2.</li><li>You may make early payments, otherwise Afterpay will automatically process payments in accordance with the due date stated on your Payment Schedule. If a payment is not processed on or before the due date, Late Fees will apply.</li><li>We apply maximum Late Fee caps:</li></ul><p></p></span></div><style data-emotion-css="163206k">.css-163206k.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:0px;margin-top:0px;padding-left:30px;}</style><div class="builder-block builder-4c7a7aff8b0b4260b13deeefe0a6ff4a content-list builder-has-component css-163206k" builder-id="builder-4c7a7aff8b0b4260b13deeefe0a6ff4a"><span class="builder-text css-1qggkls"><ul><li>For each Order of $40 or below, the total Late Fee payable is one Late Fee capped at 25% of the Original Order Value.</li><li>For each Order above $40, the total amount of Late Fees payable is the lower of 25% of the Original Order Value or $68. Up to this maximum Late Fee cap, we will charge an initial Late Fee of $10, and a further Late Fee of $7 if the payment remains unpaid 7 days after the due date. We may charge partial amounts of the initial $10 Late Fee and the subsequent $7 Late Fee to remain within the maximum Late Fee cap.</li></ul><p></p></span></div><style data-emotion-css="jfdmvn">.css-jfdmvn.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:20px;margin-top:0px;padding-left:12px;}</style><div class="builder-block builder-be82c4b6ffc049fc964b9000c333435d content-list builder-has-component css-jfdmvn" builder-id="builder-be82c4b6ffc049fc964b9000c333435d"><span class="builder-text css-1qggkls"><ul><li>Some features accessible on the App may not be accessible on the Web Portal, and vice versa.</li><li>If you won’t be able to pay us on time, please contact us as soon as possible. Please <a href="https://www.afterpay.com/en-AU/hardship" rel="noopener noreferrer" target="_blank">click here</a> for more information regarding Hardship.</li><li>The delivery/quality of goods and services and all refunds are the responsibility of the Retailer where you make the purchase or the Third Party Supplier who supplies the Third Party Goods available through our Platforms.</li><li>If you decide to purchase goods from an authorised Retailer from outside of Australia, we draw your attention to clause 4.5.</li><li>We are a Code Compliant Member under the BNPL Code. You have certain rights and we have certain obligations to you under the BNPL Code. For further information, see clause 2.6.</li><li>We limit our liability to you in accordance with clause 10.3, and you indemnify us in accordance with clause 10.4.</li></ul><p></p></span></div><style data-emotion-css="1oxp7s3">.css-1oxp7s3.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:24px;height:auto;margin-bottom:20px;}</style><div class="builder-block builder-02b66e6c9ea044c29a7076c4ac26fc7b builder-has-component css-1oxp7s3" builder-id="builder-02b66e6c9ea044c29a7076c4ac26fc7b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">Please read these Terms carefully as they impose rules, obligations and other responsibilities on you in respect of your use of, and access to, our Products. By clicking ‘accept’ and using Afterpay’s Products, you agree to be bound by these Terms. If you do not want to be bound by these Terms, you must not click ‘accept’ or make a purchase using Afterpay’s Products. You should print a copy of these Terms for your records, noting they may be amended from time to time. The latest version is available on our Website.</p><p></p></span></div><style data-emotion-css="1jp1sjk">.css-1jp1sjk.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:24px;height:auto;margin-bottom:10px;}</style><div class="builder-block builder-52647ee6b4df479aace1a8c59763e21f builder-has-component css-1jp1sjk" builder-id="builder-52647ee6b4df479aace1a8c59763e21f"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>1</strong>. <strong>Terms and policies</strong></p><p></p></span></div><div class="builder-block builder-e69276ce4d3a4d2587bb16e4a57bae4a builder-has-component css-1oxp7s3" builder-id="builder-e69276ce4d3a4d2587bb16e4a57bae4a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">1.1. Parties to these Terms</p><p></p></span></div><div class="builder-block builder-3b637222fad843f29c9d1297898af402 builder-has-component css-1oxp7s3" builder-id="builder-3b637222fad843f29c9d1297898af402"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">These Terms are a contract between you and Afterpay. </p><p></p></span></div><div class="builder-block builder-8c083892d26142679bdd1c4eb991dc9b builder-has-component css-1oxp7s3" builder-id="builder-8c083892d26142679bdd1c4eb991dc9b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">1.2. Policies</p><p></p></span></div><div class="builder-block builder-865e710713004f9698151f4fd4f2e527 builder-has-component css-1oxp7s3" builder-id="builder-865e710713004f9698151f4fd4f2e527"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">You should read Afterpay’s Privacy Policy and any other policy found on the Website.</p><p></p></span></div><div class="builder-block builder-7e7f03fea0704b01ad15bfd3763af428 builder-has-component css-1oxp7s3" builder-id="builder-7e7f03fea0704b01ad15bfd3763af428"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">1.3. Changes to these Terms</p><p></p></span></div><style data-emotion-css="313c70">.css-313c70.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:20px;margin-top:0px;padding-left:20px;line-height:24px;}</style><div class="builder-block builder-407fa6898bf64802a5ed98e0fbdeaaae content-list builder-has-component css-313c70" builder-id="builder-407fa6898bf64802a5ed98e0fbdeaaae"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) We may vary these Terms at any time (including varying the Fees). We will only vary these Terms for the following reasons: (i) if we change the functionality of our Products in a way that impacts these Terms; (ii) if we introduce new products or remove existing products that impact these Terms; (iii) where required by law or regulation or a regulator; or (iv) for any other reason determined by Afterpay acting reasonably.</p><p></p></span></div><div class="builder-block builder-e5c1d5b5a51e49c6a5d43caa511c2cec content-list builder-has-component css-313c70" builder-id="builder-e5c1d5b5a51e49c6a5d43caa511c2cec"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) Where the variation is material and/or to your detriment, we will provide you with at least 30 Business Days’ prior personal notice of the variation, unless the variation is to introduce new Fees or increase existing Fees, in which case, we will give you at least 40 Business Days’ prior personal notice.</p><p></p></span></div><div class="builder-block builder-32ebb8b6e270456eb59a24851122206b content-list builder-has-component css-313c70" builder-id="builder-32ebb8b6e270456eb59a24851122206b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) If you do not wish to be bound by the variation, you are free to close your Afterpay Account (or if you have outstanding amounts owing to us, deactivate and then close your Afterpay Account as described in clause 3.4), without penalty or additional fees, within the applicable notice period.</p><p></p></span></div><div class="builder-block builder-48c37b056970471a9e731efd5f747da7 content-list builder-has-component css-313c70" builder-id="builder-48c37b056970471a9e731efd5f747da7"><span class="builder-text css-1qggkls"><p>(d) See clause 9 for how we provide personal notice. We may also place the notification, including by way of push notifications, pop-ups or banners, in the App or Web Portal.</p><p></p></span></div><div class="builder-block builder-7c631ef4a4774f9ba7c78ae39d569726 content-list builder-has-component css-313c70" builder-id="builder-7c631ef4a4774f9ba7c78ae39d569726"><span class="builder-text css-1qggkls"><p>(e) There may be instances beyond our reasonable control where we cannot give you prior notice, for example, where we are instructed by a regulator to implement a change immediately. We will personally notify you of the change as soon as we can. Where the variation is not material and/or to your detriment (so it is to your benefit or is neutral), we may notify you after we have made the change or not give you any notice (for example, where the change is immaterial).</p><p></p></span></div><div class="builder-block builder-fff6d14753e24664a141b37a7a997990 content-list builder-has-component css-313c70" builder-id="builder-fff6d14753e24664a141b37a7a997990"><span class="builder-text css-1qggkls"><p>(f) We will not change these Terms as they apply to an existing Order that has been accepted by us; the Terms that will apply to an accepted Order (and any steps taken in relation to such Order, e.g., cancellation, refunds, etc.) are the Terms that applied at the time you made the Order.</p><p></p></span></div></div><style data-emotion-css="1todvhy">.css-1todvhy.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;max-width:auto;margin-bottom:10px;}</style><div class="builder-block builder-6181611ad4534171a1a9b3d674443095 container css-1todvhy" builder-id="builder-6181611ad4534171a1a9b3d674443095"><style data-emotion-css="101dexs">.css-101dexs.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:22px;height:auto;margin-bottom:20px;}</style><div class="builder-block builder-6e06a0a94ac14034b852adb280df145a builder-has-component css-101dexs" builder-id="builder-6e06a0a94ac14034b852adb280df145a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>2. Our relationship</strong></p><p style="text-align: left;"><br></p><p style="text-align: left;">2.1. About us</p><p></p></span></div><style data-emotion-css="1pfwgu1">.css-1pfwgu1.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:20px;}</style><div class="builder-block builder-ba96c53b7b924559b1cf245a1fc5124b content-list builder-has-component css-1pfwgu1" builder-id="builder-ba96c53b7b924559b1cf245a1fc5124b"><span class="builder-text css-1qggkls"><p>(a) Our Products allow you to buy (i) goods or services offered by Retailers including a Retailer in an overseas jurisdiction permitted by Afterpay, and/or (ii) Third Party Goods.</p><p></p></span></div><div class="builder-block builder-8b30cdc2e508432fa2a7fc826b22d920 content-list builder-has-component css-1pfwgu1" builder-id="builder-8b30cdc2e508432fa2a7fc826b22d920"><span class="builder-text css-1qggkls"><p>(b) By placing an Order with a Retailer or for Third Party Goods using our Products, you provide us with an unconditional and irrevocable consent and direction to pay (or procure an Afterpay Affiliate to pay) the Retailer or Third Party Supplier (as applicable) on your behalf:</p><p></p></span></div><style data-emotion-css="130wzey">.css-130wzey.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:30px;font-size:16px;}</style><div class="builder-block builder-0b1e8510d6254ffb950ac1d6f1cb8329 content-list builder-has-component css-130wzey" builder-id="builder-0b1e8510d6254ffb950ac1d6f1cb8329"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) the First Instalment where it is payable at the time of completing the Order; and</p><p style="text-align: left;">(ii) in exchange for your agreement and obligation to repay or pay to us the remaining agreed amounts plus any applicable Fees including Late Fees (if any) as principal debtor, in accordance with these Terms, the other remaining agreed amounts specified in your Payment Schedule, including the First Instalment where it is not due at the time of completing the Order (which may include any applicable taxes, duties or other related amounts charged by the Retailer or Third Party Supplier (as applicable)).</p><p></p></span></div><div class="builder-block builder-331e3098562e40538d2fe318380c333b content-list builder-has-component css-1pfwgu1" builder-id="builder-331e3098562e40538d2fe318380c333b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) You acknowledge that we do not have any control over, and neither Afterpay nor any Afterpay Affiliate is responsible or liable for, the products or services purchased from Retailers paid for with our Products. We cannot ensure that a Retailer you are dealing with will complete the transaction.</p><p></p></span></div><div class="builder-block builder-275f3c0d70da4dc6b33251fb375e7f1e content-list builder-has-component css-1pfwgu1" builder-id="builder-275f3c0d70da4dc6b33251fb375e7f1e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) You acknowledge that we act as an agent for the Third Party Suppliers when we process Orders for Third Party Goods. Delivery, fulfilment and customer support for the Third Party Goods will be provided by the Third Party Supplier. You agree to be bound by the terms and conditions of the Third Party Supplier identified to you at the time of purchase. Please review all applicable Third Party Supplier terms and conditions prior to placing your Order for any Third Party Goods.</p><p></p></span></div><div class="builder-block builder-cff273c43ee342139b5e5d47ce3802b9 content-list builder-has-component css-1pfwgu1" builder-id="builder-cff273c43ee342139b5e5d47ce3802b9"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) Afterpay does not:</p><p></p></span></div><style data-emotion-css="1q8zu33">.css-1q8zu33.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:30px;}</style><div class="builder-block builder-d4ff3535b0bb41ddada8f4b5b7e926d0 content-list builder-has-component css-1q8zu33" builder-id="builder-d4ff3535b0bb41ddada8f4b5b7e926d0"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) enter into a partnership, joint venture, agency (except as set out above in this clause 2.1) or employment relationship with you;</p><p style="text-align: left;">(ii) guarantee the identity of any Retailer;</p><p style="text-align: left;">(iii) guarantee the performance or delivery of the goods or services by any Retailer or Third Party Supplier;</p><p style="text-align: left;">(iv) determine if you are liable for any taxes; or</p><p style="text-align: left;">(v) collect or pay any taxes on your behalf that may arise from your use of our Products.</p><p></p></span></div><div class="builder-block builder-b82441bac3cd42ea92e36d0ac342b414 content-list builder-has-component css-1pfwgu1" builder-id="builder-b82441bac3cd42ea92e36d0ac342b414"><span class="builder-text css-1qggkls"><p>(f) You acknowledge and agree that some or all of Afterpay’s obligations under these Terms may be performed by one or more Afterpay Affiliates from time to time.</p><p></p></span></div><div class="builder-block builder-ae09612038314c9f9daba395af93abad builder-has-component css-1jp1sjk" builder-id="builder-ae09612038314c9f9daba395af93abad"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">2.2. Your Consumer Rights</p><p></p></span></div><style data-emotion-css="1lanbwm">.css-1lanbwm.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:24px;height:auto;margin-bottom:0px;padding-left:20px;}</style><div class="builder-block builder-8a51852c29e84a9bb8145b26f539fc2b builder-has-component css-1lanbwm" builder-id="builder-8a51852c29e84a9bb8145b26f539fc2b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) As a consumer, you have certain rights under consumer protection legislation</p><p></p></span></div><style data-emotion-css="4foios">.css-4foios.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:24px;height:auto;margin-bottom:10px;padding-left:40px;}</style><div class="builder-block builder-8c1c3def41ec4e87a58deb08443a3063 builder-has-component css-4foios" builder-id="builder-8c1c3def41ec4e87a58deb08443a3063"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(“<strong>Consumer Rights”</strong>). These Consumer Rights include:</p><p></p></span></div><style data-emotion-css="4t1s6y">.css-4t1s6y.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:20px;margin-top:0px;padding-left:30px;}</style><div class="builder-block builder-450739a7386a49d98e1023f54dfa3a4b content-list builder-has-component css-4t1s6y" builder-id="builder-450739a7386a49d98e1023f54dfa3a4b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) statutory guarantees under the Australian Consumer Law that goods will be of acceptable quality, match their description and be fit for any purpose made known to the consumer, and that services supplied will be provided with due care and skill and be reasonably fit for any specified purpose. When a statutory guarantee is breached, consumers are entitled to a range of remedies including, in some cases, damages for reasonably foreseeable losses; and</p><p style="text-align: left;">(ii) non-excludable implied warranties that financial services will be provided with due care and skill and that the services and any materials supplied in connection with them will be fit for any specified purpose.</p><p></p></span></div><style data-emotion-css="17m9hc6">.css-17m9hc6.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:24px;height:auto;margin-bottom:20px;padding-left:20px;}</style><div class="builder-block builder-38246ab9fcf14a87ad4013ee8b861545 builder-has-component css-17m9hc6" builder-id="builder-38246ab9fcf14a87ad4013ee8b861545"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) Nothing in these Terms is intended to exclude, restrict or modify any of your Consumer Rights, including by limiting our liability or imposing liability on you in a manner which would be considered unfair under the relevant consumer protection laws.</p><p></p></span></div><div class="builder-block builder-190067d916cc4d6ab9d1bdb8250d7471 builder-has-component css-101dexs" builder-id="builder-190067d916cc4d6ab9d1bdb8250d7471"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">2.3. No warranty</p><p></p></span></div><div class="builder-block builder-b96bdb3048b847eb9e3553ab3adaf858 content-list builder-has-component css-1pfwgu1" builder-id="builder-b96bdb3048b847eb9e3553ab3adaf858"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) We do not give any express warranty or guarantee as to the suitability, reliability or availability of our Products, or Third Party Goods, or of the content on our Platforms.</p><p></p></span></div><div class="builder-block builder-8be2de8b4d8f43e39c254383762b9599 content-list builder-has-component css-1pfwgu1" builder-id="builder-8be2de8b4d8f43e39c254383762b9599"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) Subject to your Consumer Rights set out in clause 2.2, we do not give any implied warranties or guarantees.</p><p></p></span></div><style data-emotion-css="17m46cs">.css-17m46cs.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:20px;margin-top:0px;padding-left:20px;}</style><div class="builder-block builder-7ae5fbf8d4d04e0e881d208118f4135f content-list builder-has-component css-17m46cs" builder-id="builder-7ae5fbf8d4d04e0e881d208118f4135f"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Except as required by law, we do not guarantee continuous or uninterrupted access to our Products, and we make no representations or warranties regarding the amount of time needed to complete processing of Orders or payment transactions. We will take reasonable steps within our control to keep our Products secure, but subject to this obligation and except as required by law, we do not guarantee secure access to our Products.</p><p></p></span></div><div class="builder-block builder-f26fc9e72b0846c39ebdffa06204af96 builder-has-component css-101dexs" builder-id="builder-f26fc9e72b0846c39ebdffa06204af96"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">2.4. Your eligibility</p><p></p></span></div><div class="builder-block builder-58e415a0a0fb4cc093cbd0392207cbdb content-list builder-has-component css-1pfwgu1" builder-id="builder-58e415a0a0fb4cc093cbd0392207cbdb"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) To be eligible to apply to use our Products you must:</p><p></p></span></div><div class="builder-block builder-55bed29983504809833d3e875c7723f7 content-list builder-has-component css-1q8zu33" builder-id="builder-55bed29983504809833d3e875c7723f7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) be an individual who is at least 18 years old;</p><p style="text-align: left;">(ii) be capable of entering into a legally binding contract;</p><p style="text-align: left;">(iii) have a valid and verifiable email address and Australian mobile telephone number;</p><p style="text-align: left;">(iv) provide a valid delivery address in Australia;</p><p style="text-align: left;">(v) be the holder of a Card to use as a Payment Method; and</p><p style="text-align: left;">(vi) in connection with your use of your Afterpay Account and our Products, use your real name and true and correct personal details and not use an alias or false identity (even with the consent of the person whose identity you are using) or provide false, inaccurate or misleading personal details or seek to establish a fake, untraceable or unverifiable Afterpay Account.</p><p></p></span></div><div class="builder-block builder-bc75ea93380a47af9570e0b59195f1dc content-list builder-has-component css-17m46cs" builder-id="builder-bc75ea93380a47af9570e0b59195f1dc"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) By entering into an agreement with us subject to these Terms, you represent and warrant that you are eligible to use our Products.</p><p></p></span></div><div class="builder-block builder-c07a1c80ecf7451d94d55d9e70890965 builder-has-component css-101dexs" builder-id="builder-c07a1c80ecf7451d94d55d9e70890965"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">2.5. Transfers or assignments</p><p></p></span></div><div class="builder-block builder-ce621f7fa79f455c849dd23ec6033bf9 content-list builder-has-component css-1pfwgu1" builder-id="builder-ce621f7fa79f455c849dd23ec6033bf9"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) You cannot transfer or assign any rights you may have under these Terms without our prior written consent, which must not be unreasonably withheld.</p><p></p></span></div><div class="builder-block builder-f45405a06fd2455282b27ace66005dff content-list builder-has-component css-17m46cs" builder-id="builder-f45405a06fd2455282b27ace66005dff"><span class="builder-text css-1qggkls"><p>(b) We may transfer or assign all or any of our rights under these Terms, to a third party without notice to you or your consent unless the assignment will detrimentally affect your rights under these Terms (in which case we will seek your consent prior to assignment, which consent must not be unreasonably withheld). You agree that we may appoint third party collections agencies to collect any amounts owing to us under these Terms.</p><p></p></span></div><div class="builder-block builder-faf6e2aa1d104667b19601a6a179a255 builder-has-component css-101dexs" builder-id="builder-faf6e2aa1d104667b19601a6a179a255"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">2.6. Your rights under the BNPL Code</p><p></p></span></div><div class="builder-block builder-526e446bd06c4ddbbe6dbfca328b4a77 content-list builder-has-component css-1pfwgu1" builder-id="builder-526e446bd06c4ddbbe6dbfca328b4a77"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) We are a Code Compliant Member under the BNPL Code. The BNPL Code describes contractually enforceable commitments that apply from 1 March 2021 to the interactions and arrangements we have with you about our Products that may be covered by the BNPL Code. </p><p></p></span></div><div class="builder-block builder-25124c1ca0c24a80a0b55c70c9f90010 content-list builder-has-component css-1pfwgu1" builder-id="builder-25124c1ca0c24a80a0b55c70c9f90010"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) The BNPL Code operates alongside, and is subject to, existing laws and regulations and does not limit your rights under such laws and regulations. Where the BNPL Code imposes standards on us that are above those required by the law or regulation, we are committed to the higher standards of the BNPL Code.</p><p></p></span></div><div class="builder-block builder-2e7a27a6c36a4908b0d18e51084def72 content-list builder-has-component css-1pfwgu1" builder-id="builder-2e7a27a6c36a4908b0d18e51084def72"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) As a Code Compliant Member, we are subject to the oversight of the CCC and our commitments to you under the BNPL Code are enforceable by you through AFCA. To raise a complaint with us, AFCA or the CCC – see clause 8.2.</p><p></p></span></div></div><div class="builder-block builder-1a0b3ebdd65548edbb14f8046fa70cd9 container css-1todvhy" builder-id="builder-1a0b3ebdd65548edbb14f8046fa70cd9"><style data-emotion-css="2tegkb">.css-2tegkb.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:normal;height:auto;margin-bottom:20px;}</style><div class="builder-block builder-19c980f6c2394df99da108037d79d11b builder-has-component css-2tegkb" builder-id="builder-19c980f6c2394df99da108037d79d11b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>3. Your Afterpay Account</strong></p><p style="text-align: left;"><br></p><p style="text-align: left;">3.1. Creating your Afterpay Account</p><p></p></span></div><div class="builder-block builder-1af187af60a24a668efef945969dd315 content-list builder-has-component css-1pfwgu1" builder-id="builder-1af187af60a24a668efef945969dd315"><span class="builder-text css-1qggkls"><p>(a) Once your Afterpay Account is created, you will be prompted to choose and enter a secure password. You may subsequently access your Afterpay Account, using your secure password, through our Website.  Your password should not be easily identifiable by anyone else.  For example, you should not use your birth date, phone number or other personal information or sequential numbers (such as “1234”).  You should use different passwords for different electronic services (including, for example, banking services), not disclose your password to anyone else or write it down, and you should take care when keying in your password to make sure that no one else can see it.</p><p></p></span></div><div class="builder-block builder-8a453009ac054cf1bc91790beb77ea61 content-list builder-has-component css-1pfwgu1" builder-id="builder-8a453009ac054cf1bc91790beb77ea61"><span class="builder-text css-1qggkls"><p>(b) You are responsible for maintaining the security of your Afterpay Account details. We will not take responsibility for unauthorised access and use of your Afterpay Account, unless we have failed to take reasonable steps to prevent such unauthorised access or use, or such unauthorised access or use arises from our negligence, error or system failure. You will not be liable to us where any unauthorised access or use of your Afterpay Account arises which is not caused or contributed to by any act or omission by you, whether directly or indirectly.</p><p></p></span></div><div class="builder-block builder-38cbb9276cd44881b89ece9547857d65 content-list builder-has-component css-1pfwgu1" builder-id="builder-38cbb9276cd44881b89ece9547857d65"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) If you consider a transaction made using your Afterpay Account was not made or otherwise authorised by you, you should contact Afterpay at help.afterpay.com and we will investigate this as an unauthorised transaction. In the absence of such a request from you, you acknowledge and agree that we will treat any such Order on your Afterpay Account as a valid transaction for the purposes of these Terms.</p><p></p></span></div><div class="builder-block builder-7160659ec6e841119b79ac464c7fee9e content-list builder-has-component css-17m46cs" builder-id="builder-7160659ec6e841119b79ac464c7fee9e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">See how we handle complaints in clause 8.2.</p><p></p></span></div><div class="builder-block builder-ac7a132bb7c64c9db510affa36561e26 builder-has-component css-2tegkb" builder-id="builder-ac7a132bb7c64c9db510affa36561e26"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">3.2. Your obligations to us as a holder of an Afterpay Account</p><p style="text-align: left;"><br></p><p style="text-align: left;">By holding an Afterpay Account with us, you agree that you must:</p><p></p></span></div><div class="builder-block builder-5dea07942d89460eb23dcf991791fa3a content-list builder-has-component css-1pfwgu1" builder-id="builder-5dea07942d89460eb23dcf991791fa3a"><span class="builder-text css-1qggkls"><p>(a) pay us all amounts you owe including all applicable Fees associated with your use of our Products and your Afterpay Account;</p><p></p></span></div><div class="builder-block builder-c0ca7716f41e4e43a555aaff2dda0048 content-list builder-has-component css-1pfwgu1" builder-id="builder-c0ca7716f41e4e43a555aaff2dda0048"><span class="builder-text css-1qggkls"><p>(b) not provide us with any information that is false, inaccurate or misleading (including, without limitation, in relation to your identity or personal details or by using an alias or false identity, even with the consent of the person whose identity you are using or seek to establish a fake, untraceable or unverifiable Afterpay Account);</p><p></p></span></div><div class="builder-block builder-18b6919603e44485b93f5aa3dee622d4 content-list builder-has-component css-1pfwgu1" builder-id="builder-18b6919603e44485b93f5aa3dee622d4"><span class="builder-text css-1qggkls"><p>(c) ensure any information about you, including your contact details, is true, current and complete. If your information changes, you must update it through your Afterpay Account via our App or Web Portal;</p><p></p></span></div><div class="builder-block builder-1fd834d503e0473383343e892b507a09 content-list builder-has-component css-1pfwgu1" builder-id="builder-1fd834d503e0473383343e892b507a09"><span class="builder-text css-1qggkls"><p>(d) provide to us in a timely manner all documentation relating to your identity, if reasonably requested by us;</p><p></p></span></div><div class="builder-block builder-645b29945a8a45deaae1c06bcbb57bfe content-list builder-has-component css-1pfwgu1" builder-id="builder-645b29945a8a45deaae1c06bcbb57bfe"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) not use your Afterpay Account, our Products, any Platform or Third Party Goods for any unlawful, fraudulent or improper activity, including for any experimental, testing or research purposes or otherwise in a manner for which they have not been designed;</p><p></p></span></div><div class="builder-block builder-594690fa1acf46d1be516c4a731b5995 content-list builder-has-component css-1pfwgu1" builder-id="builder-594690fa1acf46d1be516c4a731b5995"><span class="builder-text css-1qggkls"><p>(f) cooperate fully with us to investigate any suspected unlawful, fraudulent or improper activity on your Afterpay Account;</p><p></p></span></div><div class="builder-block builder-f7241178f80e4e6fbea137a4ce7065f8 content-list builder-has-component css-1pfwgu1" builder-id="builder-f7241178f80e4e6fbea137a4ce7065f8"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(g) pay any taxes that may apply to purchasing the goods or services where applicable (e.g. GST);</p><p></p></span></div><div class="builder-block builder-9cbaf46482d94ad68f72550dcc628b85 content-list builder-has-component css-1pfwgu1" builder-id="builder-9cbaf46482d94ad68f72550dcc628b85"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(h) not permit others to use your Afterpay Account, or allow anyone else to have or use your account password details;</p><p></p></span></div><div class="builder-block builder-a7080b5c4c0d4531a586e730f05c9209 content-list builder-has-component css-1pfwgu1" builder-id="builder-a7080b5c4c0d4531a586e730f05c9209"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) not use any technology (device, software or hardware) to damage, intercept or interfere with our Products, or any Platform;</p><p></p></span></div><div class="builder-block builder-10e58c332ffc4cd1af0e3b9d92029697 content-list builder-has-component css-1pfwgu1" builder-id="builder-10e58c332ffc4cd1af0e3b9d92029697"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(j) immediately contact us if you believe that your Afterpay Account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity or security breach;</p><p></p></span></div><div class="builder-block builder-761a0aaf3aba4772ac8809d35a082989 content-list builder-has-component css-1pfwgu1" builder-id="builder-761a0aaf3aba4772ac8809d35a082989"><span class="builder-text css-1qggkls"><p>(k) not create liability for us or any Afterpay Affiliate (excluding our liability to pay a Retailer or Third Party Supplier from your use of the Product) or cause us to lose (in whole or in part) the services of our Retailers or Third Party Suppliers through your wrongful acts or omissions;</p><p></p></span></div><div class="builder-block builder-fcda97598b7946bcb53765f69caefe1e content-list builder-has-component css-1pfwgu1" builder-id="builder-fcda97598b7946bcb53765f69caefe1e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(l) authorise us to disclose Card-related profile and purchase behaviour information to third parties (including, without limitation, Visa and MasterCard) for the purpose of eliminating fraud and illicit behaviour;</p><p></p></span></div><div class="builder-block builder-598ad350c9c246039b6e360b80e25fbd content-list builder-has-component css-1pfwgu1" builder-id="builder-598ad350c9c246039b6e360b80e25fbd"><span class="builder-text css-1qggkls"><p>(m)  not open or use more than one Afterpay Account;</p><p></p></span></div><div class="builder-block builder-e68d27c8acfa48899083bae9ce4576b4 content-list builder-has-component css-1pfwgu1" builder-id="builder-e68d27c8acfa48899083bae9ce4576b4"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(n) if you think that you won’t be able to pay us on time, contact us as soon as possible; and</p><p></p></span></div><div class="builder-block builder-66bc18843c6a413ba60bbf055c21f429 content-list builder-has-component css-17m46cs" builder-id="builder-66bc18843c6a413ba60bbf055c21f429"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(o) ensure that you update your App software to ensure it is using the latest version. You can find information on the latest version of the App on the App Store or Google Play Store. You must also ensure that your device you use to access any Platform has adequate security, including for example by using a secure internet connection, ensuring that your device is using the latest security release for your hardware and relevant software and you have reasonable anti-virus software and / or protection.</p><p></p></span></div><div class="builder-block builder-bfa6c05d821c464fbaf5e65d95fe2165 builder-has-component css-2tegkb" builder-id="builder-bfa6c05d821c464fbaf5e65d95fe2165"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">3.3. In-store payment</p><p></p></span></div><div class="builder-block builder-f071d4fbc30a4f36a4c6683a7549885c content-list builder-has-component css-17m46cs" builder-id="builder-f071d4fbc30a4f36a4c6683a7549885c"><span class="builder-text css-1qggkls"><p>(a) To make an in-store purchase with a Retailer, you must have added your Afterpay Card to your digital wallet.  See our App or Website for instructions. The Afterpay Card cannot be accessed through the Web Portal.</p><p></p></span></div><div class="builder-block builder-fcecdd25bef94a738e8b4bbb501e5baf content-list builder-has-component css-1pfwgu1" builder-id="builder-fcecdd25bef94a738e8b4bbb501e5baf"><span class="builder-text css-1qggkls"><p>(b) Your Afterpay Card will be processed by the Retailer to finalise your Afterpay purchase. If your request is approved, your First Instalment will be due at the time of purchase or, if you have access to and have activated the No Payment Upfront Feature, on the date set out in your Payment Schedule. Payments will be deducted from your Selected Payment Method in accordance with your Payment Schedule.</p><p></p></span></div><div class="builder-block builder-f8a1781abf3e4d6bb660e29a088e1ac0 content-list builder-has-component css-1pfwgu1" builder-id="builder-f8a1781abf3e4d6bb660e29a088e1ac0"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Only one Afterpay Card will be approved for your use and can be used to authorise additional purchases until its expiry date.</p><p></p></span></div><div class="builder-block builder-813c2773ae4f48fdb6392dae444ba57a content-list builder-has-component css-1pfwgu1" builder-id="builder-813c2773ae4f48fdb6392dae444ba57a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) Your Afterpay Card must only be used by you as the Afterpay Account holder. It is your responsibility to keep your Afterpay Card secure at all times from theft, fraud, misuse and/or unauthorised use.</p><p></p></span></div><div class="builder-block builder-9ca035c0144e47fe97a7febb006c500e content-list builder-has-component css-1pfwgu1" builder-id="builder-9ca035c0144e47fe97a7febb006c500e"><span class="builder-text css-1qggkls"><p>(e) If you become aware that your Afterpay Card is faulty, or the device onto which it has been loaded has been lost or stolen prior to its expiry, or there are issues with generating the Afterpay Card, you can contact us via the App or on help.afterpay.com. If your device is lost or stolen and you contact us, we will deactivate the Afterpay service on your Afterpay Account, meaning that no new purchases, spend limit increases or changes to personal details can take place. We will continue to draw Automatic Payments in accordance with your Payment Schedule so that you do not fall behind on your payments. To reactivate your Afterpay Account on your new (or located) device, please contact us again and we will help you with the set up.</p><p></p></span></div><div class="builder-block builder-150ea9210cb34d14bd3840b1cafe893f content-list builder-has-component css-17m46cs" builder-id="builder-150ea9210cb34d14bd3840b1cafe893f"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(f) To the extent permitted by law, and subject to clause 2.2, neither Afterpay nor any Afterpay Affiliate will be liable to you or anyone else for any losses suffered or incurred due to lost or misdirected Afterpay Cards, or delay in receipt of, or for any failure to generate or provide the Afterpay Cards to the device you have provided, or for any losses suffered or incurred due to the theft, fraud, misuse or unauthorised use of the Afterpay Card, except to the extent that such losses arise as a result of our acts or omissions, negligence, wilful misconduct or breach of these Terms.</p><p></p></span></div><div class="builder-block builder-981372f158fe4693b8ce93a2ef3743b8 builder-has-component css-2tegkb" builder-id="builder-981372f158fe4693b8ce93a2ef3743b8"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">3.4 Closing your Afterpay Account</p><p></p></span></div><div class="builder-block builder-29d94909a6fa44c29d2e4c678c4f9085 content-list builder-has-component css-17m46cs" builder-id="builder-29d94909a6fa44c29d2e4c678c4f9085"><span class="builder-text css-1qggkls"><p>(a) When you can close your Afterpay Account</p><p></p></span></div><style data-emotion-css="eb7wpp">.css-eb7wpp.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;}</style><div class="builder-block builder-5fccf4d2e4fc4c93ad690f039cec74af css-eb7wpp" builder-id="builder-5fccf4d2e4fc4c93ad690f039cec74af"><style data-emotion-css="1fa6pby">.css-1fa6pby.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:24px;height:auto;margin-bottom:20px;padding-left:20px;border-width:1px;border-style:solid;border-radius:1px;padding-top:10px;padding-bottom:10px;padding-right:20px;}</style><div class="builder-block builder-1fc2516b38224cbba7b98a940b5db4cd builder-has-component css-1fa6pby" builder-id="builder-1fc2516b38224cbba7b98a940b5db4cd"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>Please take note</strong>: Closing your Afterpay Account means that you will no longer be able to perform any new transactions, make any changes to your Afterpay Account, view your Afterpay Account details or obtain your transaction history in the Afterpay App or Web Portal. You cannot close your Afterpay Account if you have any outstanding payments owing (including Late Fees) and we will continue to draw Automatic Payments in accordance with your Payment Schedule and for Late Fees when they fall due (if applicable) until the outstanding payments are paid in full.</p><p></p></span></div></div><div class="builder-block builder-3763c618f3814154b80beba1a084b19d content-list builder-has-component css-1pfwgu1" builder-id="builder-3763c618f3814154b80beba1a084b19d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) You can close your Afterpay Account at any time via the App or by contacting us directly for any reason (including where we are making unilateral changes under clause 1.3) if you have paid all outstanding amounts owed to us (including Late Fees) in full.</p><p></p></span></div><div class="builder-block builder-89e9f7a4960a4b1a88ed202761498eb8 content-list builder-has-component css-1pfwgu1" builder-id="builder-89e9f7a4960a4b1a88ed202761498eb8"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(ii) If you have outstanding amounts owing to us, you can ask us to deactivate your Afterpay Account so that you cannot place a new Order with us, and you will be able to close your Afterpay Account once you have paid all outstanding amounts to us (including Late Fees) via the App or by contacting us directly.</p><p></p></span></div><div class="builder-block builder-4a81a07b9e3744ab8eb0580f18a75c92 content-list builder-has-component css-17m46cs" builder-id="builder-4a81a07b9e3744ab8eb0580f18a75c92"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(iii) If your Afterpay Account is closed under this clause, any disputes or refunds that are in progress will also need to be resolved/processed (see clause 5), and these Terms will continue to apply.</p><p></p></span></div><style data-emotion-css="i62jbr">.css-i62jbr.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:normal;height:auto;margin-bottom:10px;}</style><div class="builder-block builder-4cdb0075169f467695bdc5561e2c7221 builder-has-component css-i62jbr" builder-id="builder-4cdb0075169f467695bdc5561e2c7221"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) When we can close your Afterpay Account</p><p></p></span></div><div class="builder-block builder-94c34c1f840244c48f668f71153aee1d content-list builder-has-component css-1pfwgu1" builder-id="builder-94c34c1f840244c48f668f71153aee1d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) We may immediately limit your access to our Products, suspend (including that you cannot make any new Orders), deactivate or close your Afterpay Account, without prior notice to you, for any of the following reasons:</p><p></p></span></div><div class="builder-block builder-8db4d68e6bfe4864ad9cd9d3ad2e13d7 content-list builder-has-component css-1q8zu33" builder-id="builder-8db4d68e6bfe4864ad9cd9d3ad2e13d7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">A. we reasonably consider it necessary to do so in order to protect the integrity of our systems or the Products, prevent fraud or limit the risk of money laundering or terrorism financing, or otherwise protect us against any legal, regulatory or non-payment risk (whether at an Afterpay Account level, portfolio level or part of portfolio level);</p><p style="text-align: left;">B. we are required to or instructed by a regulator, enforcement officer or court of law;</p><p style="text-align: left;">C. you do not pass our verifications or checks;</p><p style="text-align: left;">D. we reasonably suspect, or are aware, that you have breached these Terms in a material respect (including by failing to make any payment due under these Terms by the payment due date or by providing us with false, inaccurate or misleading information or using your Afterpay Account or our Products in breach of these Terms or other Afterpay terms);</p><p style="text-align: left;">E. you purport to or withdraw any consent that is integral to our ability to provide the Products (for example our ability to provide notices and communicate with you electronically, or our ability to report to credit reporting bureaus or to perform credit checks (where required to provide any Product to you)); or</p><p style="text-align: left;">F. we reasonably consider that our Products are no longer suitable for you.</p><p></p></span></div><style data-emotion-css="12fyo4i">.css-12fyo4i.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:24px;}</style><div class="builder-block builder-adcc125b65a8454294c67aa921399b66 content-list builder-has-component css-12fyo4i" builder-id="builder-adcc125b65a8454294c67aa921399b66"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(ii) We will use our reasonable endeavours to provide a notice of any suspension prior to or after any suspension, unless we have a legitimate reason not to provide notice. If we close your Afterpay Account without prior notice, we will provide personal notice that we have done so as soon as reasonably practicable after the closure. </p><p></p></span></div><div class="builder-block builder-92ec7d218fb34940966288cd94e35685 content-list builder-has-component css-17m46cs" builder-id="builder-92ec7d218fb34940966288cd94e35685"><span class="builder-text css-1qggkls"><p>(iii) Other than as set out in (b) above, we may close your Afterpay Account at any time for any reason by providing you with 60 days’ prior personal notice. For how we give personal notice, see clause 9.</p><p></p></span></div><style data-emotion-css="16xt5e0">.css-16xt5e0.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:normal;height:auto;margin-bottom:13px;}</style><div class="builder-block builder-0239158c31e240818484230d1a26c76a builder-has-component css-16xt5e0" builder-id="builder-0239158c31e240818484230d1a26c76a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Consequences of closure</p><p></p></span></div><div class="builder-block builder-999b894e008f4fb684b6d3bbfd6dfcf7 content-list builder-has-component css-1pfwgu1" builder-id="builder-999b894e008f4fb684b6d3bbfd6dfcf7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">These Terms will continue to apply to any Order accepted prior to closure (whether it is immediate or with prior notice) until all amounts owing (including Fees) are received in full and until all disputes and refunds are resolved/processed) – see clause 5.</p><p></p></span></div></div><div class="builder-block builder-3e75ea19a6b048ed96e5c6faedf8f5fb container css-1todvhy" builder-id="builder-3e75ea19a6b048ed96e5c6faedf8f5fb"><div class="builder-block builder-212fbed7bdbd4f55b16cc8709df16f2c builder-has-component css-2tegkb" builder-id="builder-212fbed7bdbd4f55b16cc8709df16f2c"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>4. Orders, payments, billing and features</strong></p><p style="text-align: left;"><br></p><p style="text-align: left;">4.1. Order Confirmation and Payment Schedule</p><p></p></span></div><div class="builder-block builder-6c98dd9266974521a465d44d89f3e8e7 content-list builder-has-component css-1pfwgu1" builder-id="builder-6c98dd9266974521a465d44d89f3e8e7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) All Orders which you place with Afterpay are subject to approval by Afterpay, in our reasonable discretion. We may choose not to approve an Order or provide a Product to you, or may cancel an approved Order before the goods or services are delivered or supplied, if:</p><p></p></span></div><div class="builder-block builder-31dc5134546f49fab47f61df443ad481 content-list builder-has-component css-1q8zu33" builder-id="builder-31dc5134546f49fab47f61df443ad481"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) we reasonably consider this necessary in order to:</p><p></p></span></div><style data-emotion-css="124g8cf">.css-124g8cf.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:50px;}</style><div class="builder-block builder-d1a1efee1b864352a6cdb6d45e432002 content-list builder-has-component css-124g8cf" builder-id="builder-d1a1efee1b864352a6cdb6d45e432002"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">A. protect the integrity of our systems or the Products;</p><p style="text-align: left;">B. prevent fraud;</p><p style="text-align: left;">C. limit the risk of money laundering or terrorism financing; or</p><p style="text-align: left;">D. otherwise protect us against legal, regulatory or non-payment risk (whether at an Afterpay Account level, portfolio level or part of portfolio level);</p><p></p></span></div><div class="builder-block builder-7cd6b5cb30d84203bc930c8c53fe78e7 content-list builder-has-component css-1q8zu33" builder-id="builder-7cd6b5cb30d84203bc930c8c53fe78e7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(ii) you do not pass our verifications or checks, including re-verification or those described in clause 6;</p><p style="text-align: left;">(iii) we reasonably suspect, or are aware, that you have breached these Terms in a material respect (including by failing to make any payment due under these Terms on the payment due date);</p><p>(iv) we reasonably consider that a Product is no longer suitable for you; or</p><p style="text-align: left;">(v) we otherwise reasonably consider the Order to be suspicious.</p><p></p></span></div><div class="builder-block builder-478fe52710ac4af9944af369a4b88c59 content-list builder-has-component css-1pfwgu1" builder-id="builder-478fe52710ac4af9944af369a4b88c59"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) If we cancel an approved Order:</p><p></p></span></div><div class="builder-block builder-eab527b68874410290059325b3fe2928 content-list builder-has-component css-1q8zu33" builder-id="builder-eab527b68874410290059325b3fe2928"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) we will provide you with a notice confirming that your Order is cancelled; </p><p style="text-align: left;">(ii) we will apply a full refund of any amounts you have paid to us to your Selected Payment Method for that Order, or where you had more than one Selected Payment Method, to one or more of those Selected Payment Methods we choose. If that is not possible, we will apply the refund to any other Card that you have provided us details of, and will cancel any future payments related to that Order. In the event the approved Order is cancelled because a chargeback has been incurred by Afterpay in relation to a payment by you to Afterpay for the approved Order, that payment will not be refunded by Afterpay. Any return of funds to you in that event will be as between you and your issuing bank. The Retailer or Third Party Supplier (as applicable) will not be obliged to deliver the goods (or provide the services) the subject of the Order, unless required to do so by law;</p><p style="text-align: left;">(iii) you will have no obligation to make any further payments to us, or any other ongoing relationship with us, with respect to that Order; and</p><p style="text-align: left;">(iv) if you wish to proceed with the purchase from the Retailer, the Retailer may accept an alternative way to pay in its discretion, or if required to do so by law.</p><p></p></span></div><div class="builder-block builder-bbb109e69902421a98771c0eed4f7dcf content-list builder-has-component css-17m46cs" builder-id="builder-bbb109e69902421a98771c0eed4f7dcf"><span class="builder-text css-1qggkls"><p>(c) Once we approve your Order, we will display your Payment Schedule in the App and on the Web Portal.  We may also send you an email to the email address you have registered with your Afterpay Account with confirmation of receipt of your Order, payment of the First Instalment (where it is payable at the time of the Order) and the Payment Schedule.</p><p></p></span></div><div class="builder-block builder-db15385f2f654a29b36ad7ec25f61d70 builder-has-component css-2tegkb" builder-id="builder-db15385f2f654a29b36ad7ec25f61d70"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.2. Automatic Payments and Payment Methods</p><p></p></span></div><div class="builder-block builder-e3636a18a9ca4d01b13c0c805150f63c content-list builder-has-component css-1pfwgu1" builder-id="builder-e3636a18a9ca4d01b13c0c805150f63c"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) Subject to other clauses of these Terms, you hereby expressly consent to, authorise and instruct Afterpay to:</p><p></p></span></div><div class="builder-block builder-8e696e0dc99b4a7c9c9a4a1d0c86f1d7 content-list builder-has-component css-1q8zu33" builder-id="builder-8e696e0dc99b4a7c9c9a4a1d0c86f1d7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) process Automatic Payments from your Selected Payment Method for the amounts (including Late Fees, if applicable) and on those scheduled dates set out in your Payment Schedule; and </p><p style="text-align: left;">(ii) process Automatic Payments in aggregate, rather than as individual transactions where there are multiple payments to be made on the same day.</p><p></p></span></div><div class="builder-block builder-33fc5bfbd0df4cb2a275371201b7b87e content-list builder-has-component css-1pfwgu1" builder-id="builder-33fc5bfbd0df4cb2a275371201b7b87e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) You may make early repayments, otherwise Afterpay will automatically process payments as set out in paragraph (a) above. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, or we have reasonable grounds to suspect it will fail, you agree that Afterpay may and you instruct Afterpay to, attempt or re-attempt to process the payment, including at a later time or date using any Payment Method you have provided until the outstanding amounts you owe are paid. There may be restrictions on removing a Payment Method until all amounts you owe have been paid.</p><p></p></span></div><div class="builder-block builder-01f890feeffe47479a50e06a6a84e778 content-list builder-has-component css-1pfwgu1" builder-id="builder-01f890feeffe47479a50e06a6a84e778"><span class="builder-text css-1qggkls"><div style="font-size: 1em; text-align: left;">(c) You will have the option to select a Preferred Payment Method when your Afterpay Account is being created and this will be pre-selected for any future Orders. However, Afterpay may seek payment by way of any of the Payment Method details provided by you.</div><p></p></span></div><div class="builder-block builder-815155d4ec0d4a1c96a667cacaa0f010 content-list builder-has-component css-1pfwgu1" builder-id="builder-815155d4ec0d4a1c96a667cacaa0f010"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) You can update or change your Payment Method at any time via your Afterpay Account or, where the option is available, via the Afterpay checkout process. However, Afterpay may seek payment by way of any of the Payment Method details provided by you. Whenever you add a Payment Method, we will do an account verification check on it. You must always have at least one Preferred Payment Method that we have accepted.</p><p></p></span></div><div class="builder-block builder-c03bad89bc994a7795170162f667316d content-list builder-has-component css-1pfwgu1" builder-id="builder-c03bad89bc994a7795170162f667316d"><span class="builder-text css-1qggkls"><div style="font-size: 1em; text-align: left;">(e) You acknowledge that each Recurring Payment will be deemed an Order. When you select Afterpay as your payment method for a Recurring Payment, you authorise Afterpay to be the default way to pay for ongoing Recurring Payments with that Retailer until you inform the Retailer otherwise. You acknowledge that you are giving us the ability to collect or reverse fixed or variable payment amounts from or to your Payment Method, in accordance with your Payment Schedule and these Terms.</div><p></p></span></div><div class="builder-block builder-ca3791a4837d4945aa29d3bbefbe96fa content-list builder-has-component css-1pfwgu1" builder-id="builder-ca3791a4837d4945aa29d3bbefbe96fa"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(f) If you wish to cancel any goods or services offered by a Retailer that is structured as a Recurring Payment, you will be responsible for contacting the Retailer directly to cancel this in accordance with the Retailer’s policies. You may cancel any scheduled Recurring Payment amount by notifying us within 2 days of the next scheduled payment, either through our Website or contacting us at help.afterpay.com. By contacting Afterpay to cancel any scheduled Recurring Payment amount, Afterpay will also cancel any future Recurring Payments you have for goods or services offered by that Retailer to you. You are responsible for any outstanding amounts or obligations imposed by the Retailer on you as a result of your cancellation of the Recurring Payment amounts. Please note, cancelling your Recurring Payment with Afterpay will not cancel any goods or services obtained from the Retailer. As above, it is your responsibility to cancel goods or services obtained from a Retailer by contacting the Retailer directly.</p><p></p></span></div><div class="builder-block builder-32dad78f2d4c47d8a7fec398c80e8590 content-list builder-has-component css-1pfwgu1" builder-id="builder-32dad78f2d4c47d8a7fec398c80e8590"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(g) You are responsible for ensuring that you have sufficient funds in your Selected Payment Method or other relevant Payment Method available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Payment Method (e.g. interest charges on a nominated credit card), except to the extent that such fees or charges arise as a result of our error or system failure. If any fees or charges are imposed as a result of our error or system failure, please provide us with a copy of the relevant records, and we will reimburse you for the relevant fees or charges.</p><p></p></span></div><div class="builder-block builder-abff6992f2ab405f845d34acf873a714 content-list builder-has-component css-1pfwgu1" builder-id="builder-abff6992f2ab405f845d34acf873a714"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(h) If an Automatic Payment fails (for example, if your Selected Payment Method is a credit or debit card that has expired), Late Fees may apply unless you otherwise make the scheduled payment on or before the relevant due date. You authorise us to satisfy any monetary liability you owe us by:</p><p></p></span></div><div class="builder-block builder-16f3168ca7c3437d967b3e87389a9935 content-list builder-has-component css-1q8zu33" builder-id="builder-16f3168ca7c3437d967b3e87389a9935"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) debiting your Selected Payment Method at a later time or date;</p><p style="text-align: left;">(ii) debiting any other Card which you have provided details of;</p><p style="text-align: left;">(iii) offsetting the payment amount against any amounts we may owe to you; or</p><p style="text-align: left;">(iv) any other legal means.</p><p></p></span></div><div class="builder-block builder-a1ee56bfe4274c4dbc6c588ccfa14ec0 content-list builder-has-component css-17m46cs" builder-id="builder-a1ee56bfe4274c4dbc6c588ccfa14ec0"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">Please see clause 4.3 below for more information regarding Late Fees.</p><p></p></span></div><div class="builder-block builder-985aa30a3db841d5ae5439a5b57359cb content-list builder-has-component css-17m46cs" builder-id="builder-985aa30a3db841d5ae5439a5b57359cb"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) You acknowledge and agree that Afterpay may use network tokens to manage your Payment Method details from time to time, including that Afterpay may receive and use an updated expiry date and card number, where applicable. Following any update, you authorise Afterpay to continue to charge the applicable Payment Method(s) using the updated details provided by our payments service providers.</p><p></p></span></div><style data-emotion-css="3mzwff">.css-3mzwff.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:22px;height:auto;margin-bottom:10px;}</style><div class="builder-block builder-c367530771cb4fafa3f5b41f71a6e6dc content-text-space builder-has-component css-3mzwff" builder-id="builder-c367530771cb4fafa3f5b41f71a6e6dc"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.3. Late Payments</p><p style="text-align: left;"><br></p><p style="text-align: left;">The calculation and application of Late Fees are set out in Schedule 1 to these Terms.</p><p></p></span></div><div class="builder-block builder-7eee000d69e44162b43295c018624f37 content-text-space builder-has-component css-1jp1sjk" builder-id="builder-7eee000d69e44162b43295c018624f37"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.4. Fees</p><p style="text-align: left;"><br></p><p style="text-align: left;">All charges and fees and how they are calculated and applied are set out in Schedule 1 to these Terms.</p><p></p></span></div><div class="builder-block builder-fdd59ef3b0d04a54b01ae3a72f8ae8b7 content-text-space builder-has-component css-1jp1sjk" builder-id="builder-fdd59ef3b0d04a54b01ae3a72f8ae8b7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.5. Cross Border Transactions</p><p style="text-align: left;"><br></p><p style="text-align: left;">Where you use our Products to make a Cross Border Transaction, we will convert what the Retailer charges for the goods into your local currency to determine the Original Order Value and the amounts payable by you in accordance with your Payment Schedule at the retail exchange rate used, which is the average of the bid rate offered by the four largest retail banks in Australia.</p><p></p></span></div><div class="builder-block builder-b576677f639d4a1fa5e4a03cacbeb471 content-text-space builder-has-component css-i62jbr" builder-id="builder-b576677f639d4a1fa5e4a03cacbeb471"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.6. Interest</p><p style="text-align: left;"><br></p><p style="text-align: left;">No interest charges are payable by you for the use of our Products.</p><p></p></span></div><div class="builder-block builder-242a297e12bc4760a371aa86378015d0 content-text-space builder-has-component css-3mzwff" builder-id="builder-242a297e12bc4760a371aa86378015d0"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.7. No set off</p><p style="text-align: left;"><br></p><p style="text-align: left;">Notwithstanding any other provisions of these Terms, you must make all payments in accordance with the Payment Schedule in full to us under these Terms without any set-off, withholding or reduction. </p><p></p></span></div><style data-emotion-css="1byoo1">.css-1byoo1.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:22px;height:auto;margin-bottom:0px;}</style><div class="builder-block builder-addedf93003f4679bc95c18632699ab0 content-text-space builder-has-component css-1byoo1" builder-id="builder-addedf93003f4679bc95c18632699ab0"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.8. Higher Upfront Payment</p><p></p></span></div><div class="builder-block builder-abb99562a3fc4f01a1e5896b278c5bc3 content-list builder-has-component css-1pfwgu1" builder-id="builder-abb99562a3fc4f01a1e5896b278c5bc3"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) Where the Original Order Value exceeds your approved spending limit with Afterpay, you may be offered the option to pay an instalment at the time of purchase which is higher than 25% of the Original Order Value (“<strong>Higher Upfront Payment</strong>”).</p><p></p></span></div><div class="builder-block builder-f960682ca51147d9ab5fdd2cd072b0cd content-list builder-has-component css-1pfwgu1" builder-id="builder-f960682ca51147d9ab5fdd2cd072b0cd"><span class="builder-text css-1qggkls"><p>(b) If this clause 4.8 applies to your Order, the Higher Upfront Payment will display prior to you confirming your Afterpay Order, and we will act as your agent by paying through your Higher Upfront Payment to the merchant as set out in clause 2.1.</p><p></p></span></div><div class="builder-block builder-48fec58270bc42738e3ade9a6ec1f25d content-list builder-has-component css-17m46cs" builder-id="builder-48fec58270bc42738e3ade9a6ec1f25d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) For the avoidance of doubt, your obligations with respect to your Payment Schedule (regardless of the applicability of this section) shall continue to apply in accordance with these Terms, including your obligations under clause 4.2. </p><p></p></span></div><div class="builder-block builder-0454218da5b4493eb506ac7575ece87b content-text-space builder-has-component css-1byoo1" builder-id="builder-0454218da5b4493eb506ac7575ece87b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.9. Preferred Payment Day</p><p></p></span></div><div class="builder-block builder-504ac4318c1244cea34b0c92ad1da058 content-list builder-has-component css-1pfwgu1" builder-id="builder-504ac4318c1244cea34b0c92ad1da058"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) You may (or, if clause 4.9(d) applies, we may) select your preferred day of the week (“<strong>Preferred Payment Day</strong>”) on which payment due dates in respect of each Order are to fall. </p><p></p></span></div><div class="builder-block builder-d4421b8abc244259882720e8cde98dae content-list builder-has-component css-1pfwgu1" builder-id="builder-d4421b8abc244259882720e8cde98dae"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) Once the Preferred Payment Day is set, your Payment Schedule for each subsequent Order completed will reflect the Preferred Payment Day, subject to the following:</p><p></p></span></div><div class="builder-block builder-56c71d14c1834b178aba7bad1a92e113 content-list builder-has-component css-1q8zu33" builder-id="builder-56c71d14c1834b178aba7bad1a92e113"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) If you have access to the No Payment Upfront Feature and it is active:</p><p></p></span></div><style data-emotion-css="1fvadeb">.css-1fvadeb.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:40px;}</style><div class="builder-block builder-4d6041f31a9342ea8b4c7f677b164557 content-list builder-has-component css-1fvadeb" builder-id="builder-4d6041f31a9342ea8b4c7f677b164557"><span class="builder-text css-1qggkls"><p>A. the First Instalment for an eligible Order will be due on the Preferred Payment Day that falls immediately after the date of your Order plus 1 week; and</p><p>B. each remaining instalment will be due fortnightly thereafter, or as otherwise set out in your Payment Schedule.</p><p></p></span></div><div class="builder-block builder-8a1393a6159045db8fbe8310a854fef9 content-list builder-has-component css-1q8zu33" builder-id="builder-8a1393a6159045db8fbe8310a854fef9"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(ii) If you do not have access to the No Payment Upfront Feature:</p><p></p></span></div><div class="builder-block builder-97521aea355848a39d31a9702aef3b38 content-list builder-has-component css-1fvadeb" builder-id="builder-97521aea355848a39d31a9702aef3b38"><span class="builder-text css-1qggkls"><p>A. the First Instalment will be due on completion of your Order;</p><p>B. the second instalment will be due on the next Preferred Payment Day that falls at least 2 weeks from the date of your Order; and</p><p>C. each remaining instalment will be due fortnightly thereafter, or as otherwise set out in your Payment Schedule.</p><p></p></span></div><div class="builder-block builder-2314dd2283f044c9be7a77bbe3a7f8a0 content-list builder-has-component css-1pfwgu1" builder-id="builder-2314dd2283f044c9be7a77bbe3a7f8a0"><span class="builder-text css-1qggkls"><p>(c) Once the Preferred Payment Day is set, it will only apply to future Orders.  Payments in respect of any existing Orders will continue to be payable in accordance with the existing Payment Schedule, subject to your ability (if any) to change the due date of a payment yourself via the App or Web Portal, or any request you make to Afterpay to change the payment dates, which Afterpay may accept or reject in its discretion.</p><p></p></span></div><div class="builder-block builder-a273ca27e4064bc584943968bb7e5ca5 content-list builder-has-component css-1pfwgu1" builder-id="builder-a273ca27e4064bc584943968bb7e5ca5"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) If you do not select your preferred day when the feature is available, we will default your Preferred Payment Day to a day we choose.</p><p></p></span></div><div class="builder-block builder-f1aaf729e1794c93b13d49e106587cb6 content-list builder-has-component css-17m46cs" builder-id="builder-f1aaf729e1794c93b13d49e106587cb6"><span class="builder-text css-1qggkls"><p style="text-align: left;">(e) You may amend your Preferred Payment Day for future Orders at any time in the Afterpay App.</p><p></p></span></div><div class="builder-block builder-ffb0cc96fe4143b2bf0ec67958bc3163 content-text-space builder-has-component css-1byoo1" builder-id="builder-ffb0cc96fe4143b2bf0ec67958bc3163"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.10. No Payment Upfront</p><p></p></span></div><div class="builder-block builder-777c762b9b7e49ecab3527d0a54f688a content-list builder-has-component css-1pfwgu1" builder-id="builder-777c762b9b7e49ecab3527d0a54f688a"><span class="builder-text css-1qggkls"><p>(a) If made available to you, this feature will display in the App and allow you to defer your First Instalment on an eligible Order from the Order date to a later date as set out in your Payment Schedule (“<strong>No Payment Upfront Feature</strong>”).</p><p></p></span></div><div class="builder-block builder-05064e79372e49d08aee47e70953dd8d content-list builder-has-component css-1pfwgu1" builder-id="builder-05064e79372e49d08aee47e70953dd8d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) An eligible Order for the No Upfront Payment Feature means that the Order must meet certain criteria including:</p><p></p></span></div><div class="builder-block builder-3db19e1423534137a96037d6a841c022 content-list builder-has-component css-1q8zu33" builder-id="builder-3db19e1423534137a96037d6a841c022"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) your Afterpay Account is accepted as a form of payment by a merchant;</p><p style="text-align: left;">(ii) the order must total $500 or less including any taxes, shipping and other charges; </p><p style="text-align: left;">(iii) the order must not be for a Gift Card; and </p><p style="text-align: left;">(iv) the type of Order, Retailer and/or Third Party Supplier meets our risk requirements.</p><p></p></span></div><div class="builder-block builder-42ac10f185be429dbb8fb8f3f1cef2e3 content-list builder-has-component css-1pfwgu1" builder-id="builder-42ac10f185be429dbb8fb8f3f1cef2e3"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) If we make the No Payment Upfront Feature available to you, the App will show that the feature is active. We may also send you a communication confirming that you have access to the feature.</p><p></p></span></div><div class="builder-block builder-4d0e29a7501f477cadb2c92de587d1b2 content-list builder-has-component css-1pfwgu1" builder-id="builder-4d0e29a7501f477cadb2c92de587d1b2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) If we make the No Payment Upfront Feature available to you, you can turn the feature on or off at any time within the Afterpay App, except where you have lost access in accordance with clause 4.10(f) below, in which case the feature can only be reactivated by Afterpay.</p><p></p></span></div><div class="builder-block builder-4a2907a3bdc74d2f93e51ab87a836850 content-list builder-has-component css-1pfwgu1" builder-id="builder-4a2907a3bdc74d2f93e51ab87a836850"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) Afterpay will decide whether to make the No Payment Upfront Feature available to you and for how long (whether for the first time or in considering whether to reactivate the feature after a deactivation). In deciding these things, Afterpay will consider a range of factors including:</p><p></p></span></div><div class="builder-block builder-ba16aa940a2a484d91b9b4c2784876be content-list builder-has-component css-1q8zu33" builder-id="builder-ba16aa940a2a484d91b9b4c2784876be"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) if you have held an existing Afterpay Account in Australia for more than 1 year;</p><p style="text-align: left;">(ii) if you have requested or received financial hardship assistance in the past year;</p><p style="text-align: left;">(iii) if you have had fewer than 6 times that you have not made a First Instalment when due in the past 6 months; and</p><p style="text-align: left;">(iv) your payment behaviours and use of the Product, including whether you make regular Orders.</p><p></p></span></div><div class="builder-block builder-6d5c28dc34354f60bd105bd6d8d7e9cf content-list builder-has-component css-17m46cs" builder-id="builder-6d5c28dc34354f60bd105bd6d8d7e9cf"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(f) If you have access to the No Payment Upfront Feature and do not make your payments when they are due (unless solely due to our error), we may deactivate the No Payment Upfront Feature without prior notice to you. Acting reasonably, we may also deactivate the feature without prior notice to you where we consider that deactivation is reasonably necessary to protect our legitimate interests (which include the commercially reasonable management of our Products and the management of certain risks, including the credit, operational and regulatory risks we are exposed to when providing this Product to you). If we deactivate the feature, this may be communicated to you and/or we may let you know in the App.</p><p></p></span></div><div class="builder-block builder-b1fe91c4a87e46478ab32ad409e0fc44 content-text-space builder-has-component css-1byoo1" builder-id="builder-b1fe91c4a87e46478ab32ad409e0fc44"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">4.11. Spend Cap</p><p></p></span></div><div class="builder-block builder-6d1076448c76454ca8acd238438a9f22 content-list builder-has-component css-1pfwgu1" builder-id="builder-6d1076448c76454ca8acd238438a9f22"><span class="builder-text css-1qggkls"><p>(a) Once the feature is released, we will allow you to create a Spend Cap in the App.  The Spend Cap is independent from your Afterpay limit.</p><p></p></span></div><div class="builder-block builder-2b98117e962646e59a8cb84d93cbf831 content-list builder-has-component css-1pfwgu1" builder-id="builder-2b98117e962646e59a8cb84d93cbf831"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) You are in control of your Spend Cap and can change the amount of your Spend Cap (subject to a minimum and maximum Spend Cap amount, which we’ll show you in the App) and turn it on or off at any time.</p><p></p></span></div><div class="builder-block builder-7c0cb764e59d40e786afffade1779efe content-list builder-has-component css-1pfwgu1" builder-id="builder-7c0cb764e59d40e786afffade1779efe"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Your available to spend at any time will be:</p><p></p></span></div><style data-emotion-css="jhdjtb">.css-jhdjtb.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:15px;margin-top:0px;padding-left:30px;}</style><div class="builder-block builder-8d92a64e583c4be683311eca7c42ec10 content-list builder-has-component css-jhdjtb" builder-id="builder-8d92a64e583c4be683311eca7c42ec10"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) your Afterpay limit at that time, minus any outstanding instalments and Late Fees applied but not paid (if any); or</p><p style="text-align: left;">(ii) if you have a Spend Cap in place, the lesser of your Spend Cap and Afterpay limit at that time, minus any outstanding instalments and Late Fees applied but not paid (if any).</p><p></p></span></div></div><div class="builder-block builder-e59b03ab19eb40deae9bf2f6b0f0e823 container css-1todvhy" builder-id="builder-e59b03ab19eb40deae9bf2f6b0f0e823"><div class="builder-block builder-307e192dfef34b88836add0d827ad8e5 builder-has-component css-2tegkb" builder-id="builder-307e192dfef34b88836add0d827ad8e5"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>5. Refunds</strong></p><p></p></span></div><div class="builder-block builder-fb6ef5f539934e2c82c41bb0fbac8a89 content-list builder-has-component css-1pfwgu1" builder-id="builder-fb6ef5f539934e2c82c41bb0fbac8a89"><span class="builder-text css-1qggkls"><p>(a) If you decide to return goods to a Retailer or Third Party Supplier (as applicable), which have been purchased using our Products, and request a refund, or a return and refund are otherwise accepted by the Retailer or Third Party Supplier or permitted by law, you will directly arrange the return with the Retailer or Third Party Supplier, ensuring that the goods are returned according to the Retailer’s or Third Party Supplier’s returns policy (or the policies of an online marketplace) or other instructions or your rights at law. Please note, using Afterpay to pay for any eligible purchase will not affect any of your existing rights to refund under applicable consumer law or otherwise.</p><p></p></span></div><div class="builder-block builder-240c3673b935413082817fbf80fba697 content-list builder-has-component css-1pfwgu1" builder-id="builder-240c3673b935413082817fbf80fba697"><span class="builder-text css-1qggkls"><p>(b) It is your responsibility to notify the Retailer or Third Party Supplier if you intend to return any goods or request a refund for goods or services. The return or refund must be completed within the period specified and in the manner required by the Retailer’s or Third Party Supplier’s returns policy (or the online marketplace’s policies, if applicable) or as otherwise permitted by the Retailer, Third Party Supplier or by law.</p><p></p></span></div><div class="builder-block builder-db0d6710d2954babac572a0880db7bbd content-list builder-has-component css-1pfwgu1" builder-id="builder-db0d6710d2954babac572a0880db7bbd"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Unless we are notified by a Retailer or Third Party Supplier (or the provider of an online marketplace, if applicable) that a return (if applicable) has been completed and a refund  has been issued, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.  Late fees will apply in accordance to these Terms if you miss a payment, even if you are seeking a refund.</p><p></p></span></div><div class="builder-block builder-aef08e7b7a824255a094fba4a6a765a2 content-list builder-has-component css-1pfwgu1" builder-id="builder-aef08e7b7a824255a094fba4a6a765a2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) Until such time that the Retailer or Third Party Supplier (or the provider of an online marketplace, if applicable) has confirmed the return of the goods or that services have not been provided (if applicable) and has issued a transaction reversal for those goods or services, you will still need to make the payments in accordance with your Payment Schedule.</p><p></p></span></div><style data-emotion-css="1rau47e">.css-1rau47e.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:0px;margin-top:0px;padding-left:20px;}</style><div class="builder-block builder-70fbb82630a648e9888ac965eeec89f0 content-list builder-has-component css-1rau47e" builder-id="builder-70fbb82630a648e9888ac965eeec89f0"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) Once the Retailer or Third Party Supplier has confirmed that a refund is payable, we will issue a refund to your Selected Payment Method for that Order, or where you had more than one Selected Payment Method, to one or more of those Selected Payment Methods we choose (or, if that is not possible, to any other Card that you have provided details of) and/or adjust your Payment Schedule appropriately (including to reduce or cancel any future payments, if necessary).</p><p></p></span></div><div class="builder-block builder-23a16fd7a8e441ee9fab6e83aa964ee3 content-list builder-has-component css-1rau47e" builder-id="builder-23a16fd7a8e441ee9fab6e83aa964ee3"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">For example, if you make a $400 purchase using Afterpay and the Retailer approves a $250 refund, we will cancel your 3rd and 4th instalments of $100, and amend your 2nd instalment to $50. Your new Payment Schedule will become 2 payments (instead of 4) of $100 & $50. If you had already paid 2 instalments of $100 each, a refund of $50 would be applied to your Card and the remaining 2 instalments would be cancelled.</p><p></p></span></div><div class="builder-block builder-5750937a762e40c3b10a56080c0be295 content-list builder-has-component css-1rau47e" builder-id="builder-5750937a762e40c3b10a56080c0be295"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">When a Retailer issues a refund for a Cross Border Transaction, Afterpay will use the original retail exchange rate (used at the time the Order was placed) to determine the refund amount to apply to your Selected Payment Method(s) for the relevant goods.</p><p></p></span></div><div class="builder-block builder-ddee1e99f82244249fc97c1508e51780 content-list builder-has-component css-17m46cs" builder-id="builder-ddee1e99f82244249fc97c1508e51780"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">For example, if a New Zealand Retailer charged 100NZD which was converted to $96 as the Original Order Value, if the Retailer issues a refund for 50NZD, your Order total and Payment Schedule will be adjusted by $48.</p><p></p></span></div><div class="builder-block builder-79cf73dce78242f7bfb3c6dd6c0ec4a2 content-list builder-has-component css-1pfwgu1" builder-id="builder-79cf73dce78242f7bfb3c6dd6c0ec4a2"><span class="builder-text css-1qggkls"><p>(f) Where you wish to return a product 120 days or more after the purchase date, we will no longer have any involvement in the product return process (e.g. the Retailer will provide any agreed refund directly to you). A longer period will apply where we have agreed to a longer period with a Retailer or Third Party Supplier or online marketplace (as applicable) where required based on the nature of the goods or services purchased by you.</p><p></p></span></div><div class="builder-block builder-10afb67ceda24063ad8ff6def5998baa content-list builder-has-component css-1pfwgu1" builder-id="builder-10afb67ceda24063ad8ff6def5998baa"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(g) Where your Afterpay Account has been closed for any reason, our respective obligations in relation to product returns in this clause 5 will only continue until the earlier of:</p><p></p></span></div><div class="builder-block builder-ed405b5a721543788d1ff0b51a184489 content-list builder-has-component css-1q8zu33" builder-id="builder-ed405b5a721543788d1ff0b51a184489"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) the date on which all amounts you owe to us have been paid to us; or </p><p style="text-align: left;">(ii) the date which is 120 days after your last Order or a later date as we have agreed with a Retailer or Third Party Supplier where required based on the nature of the goods or services purchased by you. </p><p></p></span></div><div class="builder-block builder-1426bf7e02e241bfb64699f598b4bb64 content-list builder-has-component css-1pfwgu1" builder-id="builder-1426bf7e02e241bfb64699f598b4bb64"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">After that time, the Retailer, Third Party Supplier or online marketplace (as applicable) will be solely responsible for processing all product returns and associated refunds and if the Retailer, Third Party Supplier or online marketplace (as applicable) refunds any amount through your Afterpay Account, we will issue that amount to what was your Selected Payment Method prior to the closure of your Afterpay Account (or if that is not possible, to any other Card that you have provided details of).</p><p></p></span></div></div><div class="builder-block builder-e556253ecab64e7b8d937c1afc60ec98 container css-1todvhy" builder-id="builder-e556253ecab64e7b8d937c1afc60ec98"><div class="builder-block builder-5592027450bc4fc4851af83257819023 builder-has-component css-2tegkb" builder-id="builder-5592027450bc4fc4851af83257819023"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>6. Assessment and checks</strong></p><p style="text-align: left;"><br></p><p style="text-align: left;">6.1. Assessment</p><p style="text-align: left;"><br></p><p style="text-align: left;">We reserve the right to assess, and determine whether to accept or cancel, each Order in accordance with clause 4.1.</p><p></p></span></div><div class="builder-block builder-bcf575558ed94f1f9d7fc6e354afe5fa builder-has-component css-2tegkb" builder-id="builder-bcf575558ed94f1f9d7fc6e354afe5fa"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">6.2. Repayment capability and identity checks</p><p></p></span></div><div class="builder-block builder-0adf6c87659143e6905ecb6d76a89850 content-list builder-has-component css-1pfwgu1" builder-id="builder-0adf6c87659143e6905ecb6d76a89850"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) We reserve the right to verify your identity, including if required under the Anti-Money Laundering and Counter-Terrorism Financing Act. Verifying your identity does not mean we will approve your Order (see clause 4.1(a) for other variables that are considered).</p><p></p></span></div><div class="builder-block builder-3f34959a6ddb444ab0578206a265c1b2 content-list builder-has-component css-1pfwgu1" builder-id="builder-3f34959a6ddb444ab0578206a265c1b2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) You agree to provide any information or documentation reasonably requested by Afterpay, a Retailer or a Third Party Supplier to verify your identity in connection with your Afterpay Account or Orders.</p><p></p></span></div><div class="builder-block builder-a4087a7a9a0942e7842bcbb7c2583dfb content-list builder-has-component css-1pfwgu1" builder-id="builder-a4087a7a9a0942e7842bcbb7c2583dfb"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) You authorise us to make, directly or through third parties, any enquiries we consider necessary to verify your identity and assess your capability to make payments according to the Payment Schedule in relation to all Afterpay Orders. This may include performing repayment capability checks and verifying information you provide against third party databases.</p><p></p></span></div><div class="builder-block builder-563111bd3f544abcb9ee36a2cdf950e0 content-list builder-has-component css-1pfwgu1" builder-id="builder-563111bd3f544abcb9ee36a2cdf950e0"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) All information that Afterpay collects about you or the recipient you nominate, including information collected in connection with the verification of your identity, will be collected, used and stored in accordance with the <a href="https://www.afterpay.com/en-AU/privacy-policy" rel="noopener noreferrer" target="_blank">Afterpay Privacy Policy</a> (https://www.afterpay.com.au/privacy/).</p><p></p></span></div><style data-emotion-css="197ivhu">.css-197ivhu.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:20px;line-height:22px;}</style><div class="builder-block builder-b46fa714d4d54cd687773bc4fd17fdb1 content-list builder-has-component css-197ivhu" builder-id="builder-b46fa714d4d54cd687773bc4fd17fdb1"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) You authorise Afterpay (or any third parties providing services on behalf of Afterpay) to disclose to third parties, to the extent required or permitted by any applicable laws or regulations, any information in relation to you or your Afterpay Account.</p><p></p></span></div></div><style data-emotion-css="tn9cos">.css-tn9cos.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;max-width:auto;margin-bottom:20px;}</style><div class="builder-block builder-dca6d56f1176422f8edae5c54f952a7e container css-tn9cos" builder-id="builder-dca6d56f1176422f8edae5c54f952a7e"><div class="builder-block builder-c5b653efa8fb45888078059eb282d769 builder-has-component css-i62jbr" builder-id="builder-c5b653efa8fb45888078059eb282d769"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>7. Our Intellectual Property</strong></p><p></p></span></div><div class="builder-block builder-c87b2071c9974387a94ea7264ff26200 content-list builder-has-component css-1pfwgu1" builder-id="builder-c87b2071c9974387a94ea7264ff26200"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) Our Platforms and all content on our Platforms are the exclusive property of Afterpay, Afterpay group companies or other third parties such as our partners. With the exception of any information forming part of any agreement between Afterpay and you, the information on our Platforms is for information purposes only and is subject to change without notice.</p><p></p></span></div><div class="builder-block builder-94a0ec08e8244bf99e18f5d19ccd04b4 content-list builder-has-component css-1pfwgu1" builder-id="builder-94a0ec08e8244bf99e18f5d19ccd04b4"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) You must not copy, imitate, modify, alter, amend or use without our prior written consent any URLs representing any Platform, or any of our content, logos, graphics, icons or other content published on any Platform or in our printed media.</p><p></p></span></div></div><div class="builder-block builder-0c8277ffbdea4e1aa5e762b7ac2de34d container css-1todvhy" builder-id="builder-0c8277ffbdea4e1aa5e762b7ac2de34d"><div class="builder-block builder-ea63a0a9e89a4db5b059efab324a0dfb builder-has-component css-2tegkb" builder-id="builder-ea63a0a9e89a4db5b059efab324a0dfb"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>8. Complaints and disputes</strong></p><div style="font-size: 1em; text-align: left;"><br></div><p style="text-align: left;">8.1. Disputes between you and a Retailer or Third Party Supplier</p><p></p></span></div><div class="builder-block builder-4cd45f6a739f406e840768afe809632b content-list builder-has-component css-1pfwgu1" builder-id="builder-4cd45f6a739f406e840768afe809632b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) If you have a dispute with a Retailer or Third Party Supplier (as applicable), you should file a dispute through direct contact with the relevant Retailer or Third Party Supplier.</p><p></p></span></div><div class="builder-block builder-d70a0f820ef3423bb5ec46382234934e content-list builder-has-component css-17m46cs" builder-id="builder-d70a0f820ef3423bb5ec46382234934e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) In some instances, Afterpay may facilitate communication between you and the Retailer or Third Party Supplier to enable a resolution to all disputes, the outcome of your disputes with Retailers or Third Party Suppliers will not affect Afterpay’s rights and remedies under these Terms or your obligation to meet any payments due to us, except as expressly provided in clause 5.</p><p></p></span></div><div class="builder-block builder-e5a95237223247a6845234d587e981f2 builder-has-component css-i62jbr" builder-id="builder-e5a95237223247a6845234d587e981f2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">8.2. Complaints</p><p></p></span></div><div class="builder-block builder-1d78e156414f46dba2a0f2e46fc1c241 content-list builder-has-component css-1pfwgu1" builder-id="builder-1d78e156414f46dba2a0f2e46fc1c241"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) We:</p><p></p></span></div><div class="builder-block builder-c28ea5a6fe394f1392cfca24f3f7f15f content-list builder-has-component css-1q8zu33" builder-id="builder-c28ea5a6fe394f1392cfca24f3f7f15f"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) will acknowledge receipt of all complaints within 1 Business Day or as soon as reasonably practicable;</p><p style="text-align: left;">(ii) will provide an initial response to all complaints within 10 Business Days from the date of the complaint; and</p><p style="text-align: left;">(iii) aim to resolve all complaints within 21 days.</p><p></p></span></div><div class="builder-block builder-9a8f777085dd49ad935001526c807222 content-list builder-has-component css-1pfwgu1" builder-id="builder-9a8f777085dd49ad935001526c807222"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) If you wish to raise a complaint related to our Product, these Terms or the Agreement, you should do so by contacting us via the Help icon in the My Afterpay tab in our App or on our Website, at <a href="https://help.afterpay.com/hc/en-au" rel="noopener noreferrer" target="_blank"><u>help.afterpay.com</u></a>. Complaints against us should be raised with us as soon as possible.</p><p></p></span></div><div class="builder-block builder-cb73141685b24e6cb29a60b9047737c8 content-list builder-has-component css-1pfwgu1" builder-id="builder-cb73141685b24e6cb29a60b9047737c8"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) We may request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all reasonable assistance to us to facilitate us in resolving any complaints or disputes.</p><p></p></span></div><div class="builder-block builder-64fd028ca1044e028d86e412699be233 content-list builder-has-component css-1pfwgu1" builder-id="builder-64fd028ca1044e028d86e412699be233"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) Where we cannot resolve a complaint within 21 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint or dispute.</p><p></p></span></div><div class="builder-block builder-a2d3db3e4c3844eebf41b2df6364067e content-list builder-has-component css-1pfwgu1" builder-id="builder-a2d3db3e4c3844eebf41b2df6364067e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) When we have completed our investigation of your complaint, we will provide you with a written response, which will include:</p><p></p></span></div><div class="builder-block builder-db3c098f4f6840ffbf53e8b25670f616 content-list builder-has-component css-1q8zu33" builder-id="builder-db3c098f4f6840ffbf53e8b25670f616"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) the outcome of our investigation;</p><p style="text-align: left;">(ii) your right to take your complaint to AFCA; and</p><p style="text-align: left;">(iii)AFCA’s contact details.</p><p></p></span></div><div class="builder-block builder-9b218c1b07114da6b4d7360103fe899f content-list builder-has-component css-1pfwgu1" builder-id="builder-9b218c1b07114da6b4d7360103fe899f"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(f) There may be some circumstances where (unless otherwise required to do so) we will not provide a written response to you because we have either:</p><p></p></span></div><div class="builder-block builder-30caec4740834d45be41c8d1487d9021 content-list builder-has-component css-1q8zu33" builder-id="builder-30caec4740834d45be41c8d1487d9021"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) resolved the complaint to your satisfaction within 5 Business Days; or</p><p style="text-align: left;">(ii) given you an appropriate explanation and / or apology and there are no further actions we can take to reasonably address the complaint.</p><p></p></span></div><div class="builder-block builder-55d5be340d4a4567b56c73db38d11cd3 content-list builder-has-component css-1pfwgu1" builder-id="builder-55d5be340d4a4567b56c73db38d11cd3"><span class="builder-text css-1qggkls"><p>(g) If you are not satisfied with the outcome of your complaint after it has been through our internal disputes process above, you can contact the Australian Financial Complaints Authority (AFCA) using the contact details listed below.</p><p></p></span></div><div class="builder-block builder-7789855fa9ff45769d8de119484d7a52 content-list builder-has-component css-1q8zu33" builder-id="builder-7789855fa9ff45769d8de119484d7a52"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">AFCA email: <a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="5831363e3718393e3b3976372a3f76392d">[email protected]</a></p><p></p></span></div><div class="builder-block builder-c73c001a198a42fba6b59c71b9e0dd9a content-list builder-has-component css-1q8zu33" builder-id="builder-c73c001a198a42fba6b59c71b9e0dd9a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">AFCA website: www.afca.org.au</p><p></p></span></div><div class="builder-block builder-e300f2bdb29b446ab5718d7d80e11a75 content-list builder-has-component css-1q8zu33" builder-id="builder-e300f2bdb29b446ab5718d7d80e11a75"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">Phone: 1800 931 678 (free call)</p><p></p></span></div><div class="builder-block builder-0320e3d5477543099ca6643233f38888 content-list builder-has-component css-1q8zu33" builder-id="builder-0320e3d5477543099ca6643233f38888"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">In writing to: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001</p><p></p></span></div><div class="builder-block builder-35a16023b37a472e9f940ecbee74d216 content-list builder-has-component css-1pfwgu1" builder-id="builder-35a16023b37a472e9f940ecbee74d216"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(h) If you have a specific dispute with us that involves a breach of the BNPL Code, you should contact us in the first instance and then contact AFCA, if considered necessary. AFCA may not deal with your dispute unless you have tried to resolve the problem with us first, and either:</p><p></p></span></div><div class="builder-block builder-c50049f569c841cfbe92efe7129d5018 content-list builder-has-component css-1q8zu33" builder-id="builder-c50049f569c841cfbe92efe7129d5018"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) we have provided you with a formal response; or</p><p style="text-align: left;">(ii) at least 20 Business Days (or the timeframe outlined by AFCA) has elapsed since you made your complaint.</p><p style="text-align: left;">(iii)In addition to contacting us or AFCA, you can report an alleged breach of the BNPL Code to the CCC. The CCC will not consider your complaint if you are still trying to resolve it with us, or with AFCA. To lodge a complaint with the CCC, you can contact them at <a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="216262620c636f716d61404748400f40524f0f4054">[email protected]</a>.</p><p></p></span></div></div><div class="builder-block builder-aebe43413add4222aa0d26b8c25ca160 container css-1todvhy" builder-id="builder-aebe43413add4222aa0d26b8c25ca160"><div class="builder-block builder-521ef790eaa946958e790e0f46d9534d builder-has-component css-2tegkb" builder-id="builder-521ef790eaa946958e790e0f46d9534d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>9. Notices and communications</strong></p><div style="font-size: 1em; text-align: left;"><br></div><p style="text-align: left;">9.1. How we will communicate with you</p><p></p></span></div><div class="builder-block builder-d983397f727a44ca803658fdf4dde4a2 content-list builder-has-component css-1pfwgu1" builder-id="builder-d983397f727a44ca803658fdf4dde4a2"><span class="builder-text css-1qggkls"><p>(a) Other than as set out in (b) below, these Terms and any other terms, agreements, notices or other communications regarding your Afterpay Account and/or your use of our Products may be provided to you electronically and you agree to receive all communications from us in electronic form, unless otherwise required by law.</p><p></p></span></div><div class="builder-block builder-b3aafe31c11b49c1ae8172b698c9abc9 content-list builder-has-component css-1pfwgu1" builder-id="builder-b3aafe31c11b49c1ae8172b698c9abc9"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) For personal notice, we may give you notice by:</p><p></p></span></div><div class="builder-block builder-b14f9eb1339c43908673ba7871af6a46 content-list builder-has-component css-1q8zu33" builder-id="builder-b14f9eb1339c43908673ba7871af6a46"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) serving it personally at, or sending it by post to, your nominated contact address listed on your Afterpay Account; or</p><p style="font-size: 1.125em; text-align: left;">(ii) sending it to you via other electronic methods of communication using contact details listed on your Afterpay Account (including text messages).</p><p></p></span></div><div class="builder-block builder-235b8cb7218740768a4151942f3b4c81 content-list builder-has-component css-1pfwgu1" builder-id="builder-235b8cb7218740768a4151942f3b4c81"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Where a notice is served personally, service of the notice is taken to be effected when delivered. Where a notice is sent by post, service of the notice is taken to be effected on the fourth day after the date of postage. Where a notice is sent by electronic mail, or through other electronic means, service of the notice is taken to be effected on the day on which it is sent, unless we receive notification that delivery has failed.</p><p></p></span></div><div class="builder-block builder-2850c7497a524356b6ba52f5a57221df content-list builder-has-component css-1pfwgu1" builder-id="builder-2850c7497a524356b6ba52f5a57221df"><span class="builder-text css-1qggkls"><p>(d) You consent to us using the most recent contact details you have provided to us to:</p><p></p></span></div><div class="builder-block builder-966bfd757758499b8986e5787d687c9d content-list builder-has-component css-1q8zu33" builder-id="builder-966bfd757758499b8986e5787d687c9d"><span class="builder-text css-1qggkls"><p>(i) contact you on an ongoing basis for marketing purposes whether by email, SMS, push notifications, phone or otherwise (unless you have notified us that you do not wish to receive such communication); and/or</p><p style="text-align: left;">(ii) contact you in relation to your Afterpay Account, our Products and/or any Third Party Goods you have purchased.</p><p></p></span></div><div class="builder-block builder-00fa4c21280f422b963eacf3af2df960 content-list builder-has-component css-17m46cs" builder-id="builder-00fa4c21280f422b963eacf3af2df960"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e)You acknowledge that we (or any third party providing services on behalf of us) may monitor or record telephone conversations or electronic communication for quality control and training purposes or for Afterpay’s own protection. Afterpay does not provide any guarantee that any such monitoring or recording will be retained or retrievable.</p><p></p></span></div><div class="builder-block builder-9eee830f88c74a99b990a965a28da57b builder-has-component css-2tegkb" builder-id="builder-9eee830f88c74a99b990a965a28da57b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">9.2. How you can communicate with us</p><p></p></span></div><div class="builder-block builder-f869f4d763254bd2877fdc45a42e2186 content-list builder-has-component css-1pfwgu1" builder-id="builder-f869f4d763254bd2877fdc45a42e2186"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">If you wish to contact us for any reason, you can do so using the details in the App, including by email to <a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="f891969e97b8999e8c9d8a889981d69b9795d6998d">[email protected]</a>.</p><p></p></span></div></div><div class="builder-block builder-8ab2a2871a3349e0aa52d274a1011da6 container css-1todvhy" builder-id="builder-8ab2a2871a3349e0aa52d274a1011da6"><div class="builder-block builder-c3c19cfef7e14b58b3952eac5d2df567 builder-has-component css-2tegkb" builder-id="builder-c3c19cfef7e14b58b3952eac5d2df567"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>10. General</strong></p><p style="text-align: left;"><br></p><p style="text-align: left;">10.1. System Outages and Access</p><p></p></span></div><div class="builder-block builder-05be042526e64a069c05c57945297a9c content-list builder-has-component css-1pfwgu1" builder-id="builder-05be042526e64a069c05c57945297a9c"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) Access to our Products or any Platform may occasionally be unavailable or limited due to hardware or software failure or defects, overloading of system capacity, damage from natural events or disasters or disruptive human activity, interruption of power systems, labour shortages or stoppages, legal or regulatory restrictions as well as other causes outside of our reasonable control.</p><p></p></span></div><div class="builder-block builder-e5121ad43b054101bea995436c9fb898 content-list builder-has-component css-1pfwgu1" builder-id="builder-e5121ad43b054101bea995436c9fb898"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) To the extent permitted by law, and subject to clause 2.2, neither Afterpay nor any Afterpay Affiliate will be liable for any loss or damage which you may incur as a result of our Products or any Platform being unavailable.</p><p></p></span></div><div class="builder-block builder-d8711bee716a420880840d23e8fa60f2 content-list builder-has-component css-17m46cs" builder-id="builder-d8711bee716a420880840d23e8fa60f2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Some features accessible on the App may not be accessible on the Web Portal, and vice versa.</p><p></p></span></div><div class="builder-block builder-a418eaee2cdf4855bd21130d5bc9fe8a builder-has-component css-2tegkb" builder-id="builder-a418eaee2cdf4855bd21130d5bc9fe8a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">10.2. Governing Law and Jurisdiction</p><p></p></span></div><div class="builder-block builder-ac4ea1ae14cb454aa0f7d70dad0decb5 content-list builder-has-component css-17m46cs" builder-id="builder-ac4ea1ae14cb454aa0f7d70dad0decb5"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) These Terms are governed by the law in force in New South Wales, Australia.</p><p></p></span></div><div class="builder-block builder-ec4874532ba3489bb182b0e51ff03729 content-list builder-has-component css-17m46cs" builder-id="builder-ec4874532ba3489bb182b0e51ff03729"><span class="builder-text css-1qggkls"><p>(b) Each party irrevocably submits to the non-exclusive jurisdiction of courts exercising jurisdiction in New South Wales, Australia.</p><p></p></span></div><div class="builder-block builder-31636ad3f83e498088beb8e9750186e2 builder-has-component css-2tegkb" builder-id="builder-31636ad3f83e498088beb8e9750186e2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">10.3. Limiting our liability to you and your liability to us</p><p></p></span></div><div class="builder-block builder-f33f3005fc1e4a1ba1b2de2e54a1e5c9 content-list builder-has-component css-1pfwgu1" builder-id="builder-f33f3005fc1e4a1ba1b2de2e54a1e5c9"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) Nothing in these Terms is intended to exclude, restrict, modify or limit your rights under your Consumer Rights. </p><p></p></span></div><div class="builder-block builder-ed4d9bb917554c899669b2165cfbe067 content-list builder-has-component css-1pfwgu1" builder-id="builder-ed4d9bb917554c899669b2165cfbe067"><span class="builder-text css-1qggkls"><p>(b) Our Liability to you when statutory guarantees and non-excludable implied warranties do not apply is limited as follows:</p><p></p></span></div><div class="builder-block builder-166ab3617889410492c05ca3251b8455 content-list builder-has-component css-1q8zu33" builder-id="builder-166ab3617889410492c05ca3251b8455"><span class="builder-text css-1qggkls"><p>(i) Save as set out in (ii) and (iii) below, our liability for all claims arising under or related in any way to these Terms and our Products no matter how arising, and whether in contract, tort (including negligence), or otherwise, will not exceed the total value of any affected Order(s), including any payments and Late Fees.</p><p>(ii) Neither we nor any Afterpay Affiliate are liable to you for any loss or damage (including any direct loss or damage or Consequential Loss) you or any third party may incur from your purchase or use of any goods or services from a Retailer or a Third Party Supplier, or from your use of an online marketplace. You acknowledge that this is a matter between you and the Retailer or Third Party Supplier, subject to any obligation on us to process refunds and cancel future payments in accordance with these Terms and our agreement with the Retailer or Third Party Supplier.</p><p>(iii) Neither we nor any Afterpay Affiliate are liable to you where your acts or omissions cause or contribute to the loss or damage or where you fail to take all reasonable steps to mitigate the loss arising.</p><p></p></span></div><div class="builder-block builder-5ce7065560724749a38428882bef2c37 content-list builder-has-component css-1pfwgu1" builder-id="builder-5ce7065560724749a38428882bef2c37"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Your Liability to us</p><p></p></span></div><div class="builder-block builder-0b155dd343d847f8a327fb2855cedc6c content-list builder-has-component css-4t1s6y" builder-id="builder-0b155dd343d847f8a327fb2855cedc6c"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) See clause 10.5 for your liability to us where you breach your use of our Products.</p><p style="text-align: left;">(ii) Save as set out in (iii) below, your liability to us for all claims arising under or related in any way to these Terms no matter how arising, and whether in contract, tort (including negligence), or otherwise, will not exceed the total value of any affected Order(s), including any payments and Late Fees.</p><p style="text-align: left;">(iii) You are not liable to us where our acts or omissions cause or contribute to the loss or damage or where we fail to take all reasonable steps to mitigate the loss arising.</p><p></p></span></div><div class="builder-block builder-5896c032b9974de4af17901d9cdfd61d builder-has-component css-2tegkb" builder-id="builder-5896c032b9974de4af17901d9cdfd61d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">10.4. Indemnification</p><p></p></span></div><div class="builder-block builder-0202d032bbb1490ebdaccd5b1f4dc0ec content-list builder-has-component css-1pfwgu1" builder-id="builder-0202d032bbb1490ebdaccd5b1f4dc0ec"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) You are responsible to Afterpay and any Afterpay Affiliate to the extent they are involved in the provision of the Products for any loss, costs (including reasonable legal fees), expense or damage they suffered or incurred: (i) in connection with any claim or demand made by any third party due to or arising out of your breach of these Terms, or your breach of any law or of the rights of a third party relating to your use of our Products or Website; and (ii) as a direct or indirect consequence of unauthorised users accessing your account as a result of your negligence. To the extent that clause 10.4(a) gives rights to a person who is not a party to these Terms, Afterpay contracts as trustee of the rights given to that person.</p><p></p></span></div><div class="builder-block builder-a918916224a445e89d1a1b27da208322 content-list builder-has-component css-17m46cs" builder-id="builder-a918916224a445e89d1a1b27da208322"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) Your liability under clause 10.4(a) will be reduced proportionately to the extent that Afterpay, any related companies of Afterpay, its contractors or agents: (i) caused or contributed to the relevant claim, demand, loss or damage; or (ii) failed to take reasonable steps to mitigate the relevant claim, demand, loss or damage. </p><p></p></span></div><div class="builder-block builder-36717b68ace24adca8624324c8e66877 builder-has-component css-2tegkb" builder-id="builder-36717b68ace24adca8624324c8e66877"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">10.5. Breach relating to misuse of the Products</p><p></p></span></div><div class="builder-block builder-ae511b9890e449bf93a56488e6638e8f content-list builder-has-component css-1pfwgu1" builder-id="builder-ae511b9890e449bf93a56488e6638e8f"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) You acknowledge that it is imperative that Afterpay be able to rely on:</p><p></p></span></div><div class="builder-block builder-7077c2a0fe7641898083cfc0b4cc89fe content-list builder-has-component css-4t1s6y" builder-id="builder-7077c2a0fe7641898083cfc0b4cc89fe"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) the information you provide to us;</p><p style="text-align: left;">(ii) the identity that you use; and</p><p style="text-align: left;">(iii) that your use of your Afterpay Account and our Products be for the intended purpose.</p><p></p></span></div><div class="builder-block builder-4ef3735649a6479d8727aaf010043543 content-list builder-has-component css-1pfwgu1" builder-id="builder-4ef3735649a6479d8727aaf010043543"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) You acknowledge that a breach by you of any obligation in these Terms in relation to the matters in clause 10.5(a) (including, without limitation, a breach of clauses 2.4 or 3.2(b) and/or 3.2(e)) that is in substance material, would cause significant detriment to Afterpay and/or any Afterpay Affiliate. You agree that monetary damages will not be sufficient to remedy that detriment, or may otherwise be incapable of being ascertained, and irrevocably consent to Afterpay or any Afterpay Affiliate seeking and obtaining injunctive relief to obtain relevant documents from you and to prevent such breach, or orders of specific performance to compel compliance, in addition to any other remedies available at law or in equity.</p><p></p></span></div><div class="builder-block builder-0e0d5bd8b7354192a46998c703130faf content-list builder-has-component css-1pfwgu1" builder-id="builder-0e0d5bd8b7354192a46998c703130faf"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) If Afterpay reasonably considers that you have breached an obligation under these Terms in relation to your identity, the information you provide to us and/or your use of your Afterpay Account and our Products, you agree, on request from Afterpay, to provide Afterpay with copies of all documents, notes or communications in relation to such alleged breach.</p><p></p></span></div><div class="builder-block builder-4aa7b7a8d50e4ac5b6713a900b700ccc content-list builder-has-component css-17m46cs" builder-id="builder-4aa7b7a8d50e4ac5b6713a900b700ccc"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) This clause 10 survives termination of these Terms.</p><p></p></span></div></div><div class="builder-block builder-c96b4138073540b0a3b006a28b1e5ddd container css-1todvhy" builder-id="builder-c96b4138073540b0a3b006a28b1e5ddd"><div class="builder-block builder-a8df8038b7734b5a9f641fd7626fe373 builder-has-component css-2tegkb" builder-id="builder-a8df8038b7734b5a9f641fd7626fe373"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>11. Afterpay Plus - User Terms & Conditions</strong></p><p style="text-align: left;"><br></p><p style="text-align: left;">11.1. Afterpay Plus Terms</p><p></p></span></div><div class="builder-block builder-9bc5ee0a24824350b04253f00d2ad8d2 content-list builder-has-component css-1pfwgu1" builder-id="builder-9bc5ee0a24824350b04253f00d2ad8d2"><span class="builder-text css-1qggkls"><p>(a) These Afterpay Plus Terms and Conditions (“<strong>Afterpay Plus Terms</strong>”) govern your Afterpay Plus subscription. In these Afterpay Plus Terms, subject to clause 11.3(c):</p><p></p></span></div><div class="builder-block builder-8363a17902e64be0879c3ffa6fb2d5fe content-list builder-has-component css-1fvadeb" builder-id="builder-8363a17902e64be0879c3ffa6fb2d5fe"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>Original Subscription Period </strong>means each of the following:</p><p></p></span></div><div class="builder-block builder-52e465c776454325b9ca2d6ec7b08fb4 content-list builder-has-component css-1fvadeb" builder-id="builder-52e465c776454325b9ca2d6ec7b08fb4"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) the period from the date you sign up to Afterpay Plus and ending the date prior in the next month;</p><p style="text-align: left;">(ii) the period from the same date in the next month and ending the date prior in the month following; and</p><p style="text-align: left;">(iii) each monthly period thereafter.</p><p></p></span></div><div class="builder-block builder-e5604e85f99346bd9efcca4546b510a5 content-list builder-has-component css-1fvadeb" builder-id="builder-e5604e85f99346bd9efcca4546b510a5"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>Amended Subscription Period</strong> means each of the following:</p><p></p></span></div><div class="builder-block builder-0481a1ccfdaf469f81a02abc3c2ce456 content-list builder-has-component css-1fvadeb" builder-id="builder-0481a1ccfdaf469f81a02abc3c2ce456"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) the period from:</p><p></p></span></div><style data-emotion-css="4fuxqw">.css-4fuxqw.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:55px;}</style><div class="builder-block builder-126fd8b0742047a08447c42171542bb9 content-list builder-has-component css-4fuxqw" builder-id="builder-126fd8b0742047a08447c42171542bb9"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">A). the date your suspension is lifted and ending the date prior in the next month; and</p><p style="text-align: left;">B). the same date in the next month and ending on the date prior in the month following; and </p><p style="text-align: left;">C). each monthly period thereafter; or</p><p></p></span></div><div class="builder-block builder-d4f1a836ceb94e87a82cd814fe512a1e content-list builder-has-component css-1fvadeb" builder-id="builder-d4f1a836ceb94e87a82cd814fe512a1e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(ii) such other period as agreed between Afterpay and you.</p><p></p></span></div><div class="builder-block builder-2be91b62d8d0486eb59aa2cbe71e95bc content-list builder-has-component css-1fvadeb" builder-id="builder-2be91b62d8d0486eb59aa2cbe71e95bc"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>Subscription Period </strong>means the Original Subscription Period or Amended Subscription Period (as applicable).</p><p></p></span></div><div class="builder-block builder-042236c31bec48779a7c8bde7fefc96c content-list builder-has-component css-1fvadeb" builder-id="builder-042236c31bec48779a7c8bde7fefc96c"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">Any other defined terms contained in these Afterpay Plus Terms shall have the same meaning as given in these Terms.</p><p></p></span></div><div class="builder-block builder-e108dd4302d64f30a5072def36f89b42 content-list builder-has-component css-1pfwgu1" builder-id="builder-e108dd4302d64f30a5072def36f89b42"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) If you do not agree to these Afterpay Plus Terms you may not be a subscriber of Afterpay Plus or receive any of the benefits of the Afterpay Plus subscription. The Afterpay Plus Terms shall apply, if necessary, to resolve any disputes between you and Afterpay related to your participation in the Afterpay Plus subscription. Afterpay may amend these Afterpay Plus Terms at any time in accordance with clause 1.3. If you do not wish to be bound by the variation, you are free to terminate your Afterpay Plus subscription or close your Afterpay Account (or if you have outstanding amounts owing to us, deactivate and then close your Afterpay Account as described in clause 3.4), without penalty or additional fees, prior to the start of the Subscription Period in which the variation is to take effect.</p><p></p></span></div><div class="builder-block builder-93fcb5b202cd4fb6807a1ecad5f9bf3c content-list builder-has-component css-17m46cs" builder-id="builder-93fcb5b202cd4fb6807a1ecad5f9bf3c"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Afterpay Plus cannot be accessed through the Web Portal.</p><p></p></span></div><style data-emotion-css="10ge1we">.css-10ge1we.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:normal;height:auto;margin-bottom:15px;}</style><div class="builder-block builder-8fefdb37f7284e7f8c9eab750ff232b5 builder-has-component css-10ge1we" builder-id="builder-8fefdb37f7284e7f8c9eab750ff232b5"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">11.2. Eligibility</p><p></p></span></div><div class="builder-block builder-58afb2fb622a4458b13daf92a25e9210 content-list builder-has-component css-1q8zu33" builder-id="builder-58afb2fb622a4458b13daf92a25e9210"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) In addition to the eligibility criteria outlined in clause 2.4, to become an Afterpay Plus subscriber:</p><p></p></span></div><div class="builder-block builder-664ec7f0672b4375aef7e7c4539fba82 content-list builder-has-component css-124g8cf" builder-id="builder-664ec7f0672b4375aef7e7c4539fba82"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) you must have an existing Afterpay Account in Australia for more than 90 days;</p><p style="text-align: left;">(ii) you must have made at least one successful Afterpay purchase; and</p><p style="text-align: left;">(iii)meet our credit risk assessment criteria which may change from time to time, including making consistent on-time payments.</p><p></p></span></div><div class="builder-block builder-2617880a8f2042ae84e3057f3e8b5250 content-list builder-has-component css-1q8zu33" builder-id="builder-2617880a8f2042ae84e3057f3e8b5250"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) For the purposes of paying instalments of Afterpay Plus transactions, you must have a Selected Payment Method from which Automatic Payments can be taken. You do not need to have an Afterpay Card to apply for Afterpay Plus.</p><p></p></span></div><div class="builder-block builder-ffa03764db0d4420859e5a4659076a80 content-list builder-has-component css-4t1s6y" builder-id="builder-ffa03764db0d4420859e5a4659076a80"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Afterpay reserves the right to approve or deny any application for Afterpay Plus at its sole discretion.</p><p></p></span></div><div class="builder-block builder-96eb2731e1b54eeda8bfbce960903c48 builder-has-component css-10ge1we" builder-id="builder-96eb2731e1b54eeda8bfbce960903c48"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">11.3. Payment and Fees</p><p></p></span></div><div class="builder-block builder-03087ff2d7fa4cc3afe25a73adef4647 content-list builder-has-component css-1q8zu33" builder-id="builder-03087ff2d7fa4cc3afe25a73adef4647"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) The Afterpay Plus subscription fee is $9.99/month (or an amended fee as notified by us to you in accordance with clause 1.3).</p><p></p></span></div><div class="builder-block builder-512e548f7885431cab32711a549cb1d1 content-list builder-has-component css-1q8zu33" builder-id="builder-512e548f7885431cab32711a549cb1d1"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) Subject to paragraph (c) below, the Afterpay Plus subscription fee will be due and payable by you on the first day of each Subscription Period. You will be charged this monthly fee using the Payment Method you selected when signing up for Afterpay Plus. You can update or change your Payment Method at any time via your Afterpay Account.</p><p></p></span></div><div class="builder-block builder-6e91f2f0c59445fda38fcddda5e2e3a4 content-list builder-has-component css-1q8zu33" builder-id="builder-6e91f2f0c59445fda38fcddda5e2e3a4"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) You acknowledge that your Subscription Period may be adjusted if your subscription began or ends on a day not contained in a given month (e.g. if you have a monthly subscription and became a paying subscriber on January 31, your Payment Method would be billed next on February 28).</p><p></p></span></div><div class="builder-block builder-6d53c132671f4d26acb063debb5fbd0e content-list builder-has-component css-1q8zu33" builder-id="builder-6d53c132671f4d26acb063debb5fbd0e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) You acknowledge and understand that:</p><p></p></span></div><div class="builder-block builder-cfc07db35993479580550c33d93ce739 content-list builder-has-component css-124g8cf" builder-id="builder-cfc07db35993479580550c33d93ce739"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) your Afterpay Plus subscription will automatically renew at the end of each Subscription Period for a further Subscription Period;</p><p style="text-align: left;">(ii) your selected Payment Method will be charged this monthly fee, unless cancelled by Afterpay or you; and</p><p style="text-align: left;">(iii) any renewal is non-transferable and non-refundable. This is subject to your rights to a refund and our liability to you pursuant to: your Consumer Rights (see clause 2.2); circumstances where there may be any failure to generate or add the Afterpay Plus Card to your digital wallet following your payment to us; or our breach of these Terms. It is also subject to any express rights of refund under these Afterpay Plus Terms or where Afterpay agrees otherwise to provide a refund.</p><p></p></span></div><div class="builder-block builder-3de1c464bde449d0b69eb0b3b1550e77 content-list builder-has-component css-4t1s6y" builder-id="builder-3de1c464bde449d0b69eb0b3b1550e77"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) If you fail to make any Afterpay Plus subscription fee payment on the due date, your Afterpay Plus subscription will be suspended and you will be provided 7 days (or such longer period that we may notify on any Platform) to ensure this payment is successful. If the payment is subsequently successful within this period, your subscription will renew according to clause 11.7(c). If the period has elapsed and you have still failed to make any applicable payment, your Afterpay Plus subscription will be cancelled by Afterpay, and you will lose any associated Afterpay Plus benefits from the applicable month for which the payment relates. With respect to the Afterpay Plus Card, this will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3.</p><p></p></span></div><div class="builder-block builder-2cd9ad850a6049a68dd0d2a3496b2d5d builder-has-component css-10ge1we" builder-id="builder-2cd9ad850a6049a68dd0d2a3496b2d5d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">11.4. Benefits</p><p></p></span></div><div class="builder-block builder-dc046a6625df43798bde80821058ed3a content-list builder-has-component css-1q8zu33" builder-id="builder-dc046a6625df43798bde80821058ed3a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">As an Afterpay Plus subscriber, you will receive access to the Afterpay Plus Card. The Afterpay Plus Card enables you to use Afterpay as a method for payment with merchants who accept Apple Pay, Google Pay or Samsung Pay, subject to certain merchant or product exclusions.</p><p></p></span></div><div class="builder-block builder-1cde1949045644e3a07c3d7f88f5005a builder-has-component css-i62jbr" builder-id="builder-1cde1949045644e3a07c3d7f88f5005a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">11.5. Pausing your Afterpay Plus subscription</p><p></p></span></div><div class="builder-block builder-e5e04ed50c0e4c479db50b6f92651440 content-list builder-has-component css-1q8zu33" builder-id="builder-e5e04ed50c0e4c479db50b6f92651440"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) You may pause your Afterpay Plus subscription at any time a pause is available to you within the “My Afterpay” section of the Afterpay App. This will place a temporary hold on your access to Afterpay Plus benefits (including Afterpay Plus Card) from the next monthly payment date and you will not be charged the Afterpay Plus subscription fee for the duration of the pause. When your Afterpay Plus subscription is paused, your Afterpay Plus Card will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3.</p><p></p></span></div><div class="builder-block builder-b48e6f9b0fc44813b5591d86055d6eea content-list builder-has-component css-1q8zu33" builder-id="builder-b48e6f9b0fc44813b5591d86055d6eea"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) We will display the subscription pause periods and the number of pauses available to you (if any) in the Afterpay App.</p><p></p></span></div><div class="builder-block builder-428a9986519a4be99005b4d188d9ce61 builder-has-component css-i62jbr" builder-id="builder-428a9986519a4be99005b4d188d9ce61"><span class="builder-text css-1qggkls"><p>11.6. Cancelling your Afterpay Plus subscription</p><p></p></span></div><div class="builder-block builder-e84d353e3e0a4000ba4fba02ccb99021 content-list builder-has-component css-1q8zu33" builder-id="builder-e84d353e3e0a4000ba4fba02ccb99021"><span class="builder-text css-1qggkls"><div style="font-size: 1em; text-align: left;">(a) You may cancel your Afterpay Plus subscription at any time within the “My Afterpay” section of the Afterpay App which will take effect at the end of the current Subscription Period. To avoid any future charges for Afterpay Plus, cancellation must occur prior to the applicable renewal date.</div><p></p></span></div><div class="builder-block builder-184f36a12769447f8ac717ee8e28746e content-list builder-has-component css-1q8zu33" builder-id="builder-184f36a12769447f8ac717ee8e28746e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) If you cancel after you have made the initial payment to become an Afterpay Plus subscriber or where your subscription has renewed at the end of a term:</p><p></p></span></div><div class="builder-block builder-3c7f0257ef77475b884d7aea5e755d1d content-list builder-has-component css-124g8cf" builder-id="builder-3c7f0257ef77475b884d7aea5e755d1d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) subject to your Consumer Rights, circumstances where there may be any failure to generate or add the Afterpay Plus Card to your digital wallet following your payment to us, our liability to you for our breach of these Terms or as otherwise reasonably agreed between you and Afterpay, you will not be refunded any amounts paid for this Afterpay Plus subscription regardless of whether you have used any Afterpay Plus benefit during this term - this does not affect your rights to a refund or our liability to you pursuant to: your Consumer Rights; circumstances where there may be any failure to generate or add the Afterpay Plus Card to your digital wallet following your payment to us; or our breach of these Terms. It is also subject to any express rights of refund under these Afterpay Plus Terms or where Afterpay otherwise agrees to provide a refund; and</p><p style="text-align: left;">(ii) you will continue to receive the benefits of Afterpay Plus for the remainder of the applicable term, but will not have access to any such benefits for the following term. With respect to Afterpay Plus Card, you will lose the associated benefits and the card in your digital wallet will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3 above.</p><p></p></span></div><div class="builder-block builder-a2a15675795d4cfbb92400591f5a11a4 content-list builder-has-component css-1q8zu33" builder-id="builder-a2a15675795d4cfbb92400591f5a11a4"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) Afterpay may cancel your Afterpay Plus subscription for the following reasons:</p><p></p></span></div><div class="builder-block builder-eac065e28a074b65b43fc63b751d883c content-list builder-has-component css-124g8cf" builder-id="builder-eac065e28a074b65b43fc63b751d883c"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) If your Afterpay Account is closed in accordance with these Terms for any reason;</p><p style="text-align: left;">(ii)You have failed to pay any amount when due;</p><p style="text-align: left;">(iii)Afterpay reasonably considers it necessary to do so in order to protect the integrity of our systems or the Products, prevent fraud, limit the risk of money laundering or terrorism financing arising from your use of Afterpay Plus, or otherwise protect us against any legal, regulatory or non-payment risk (whether at an Afterpay Account level, portfolio level or part of portfolio level);</p><p style="text-align: left;">(iv)Afterpay reasonably suspects, or is aware, that you are otherwise using Afterpay Plus in material breach of these Afterpay Plus Terms, these Terms or any applicable laws or regulations; or</p><p style="text-align: left;">(v) Afterpay is required or instructed to do so by a regulator, enforcement officer or court of law (including to protect the program in either of the circumstances above).</p><p></p></span></div><div class="builder-block builder-3620583134aa427085b70ff41cb76238 content-list builder-has-component css-1q8zu33" builder-id="builder-3620583134aa427085b70ff41cb76238"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(d) If we do not provide you prior notice of cancellation, we will provide personal notice of such cancellation as soon as reasonably practicable after cancellation. </p><p></p></span></div><div class="builder-block builder-9f8b1116f7714c4f9be3a1f7c6e56efd content-list builder-has-component css-1q8zu33" builder-id="builder-9f8b1116f7714c4f9be3a1f7c6e56efd"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(e) Once your Afterpay Plus subscription is cancelled by Afterpay, you will lose any associated Afterpay Plus benefits. With respect to the Afterpay Plus Card, this will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3.</p><p></p></span></div><div class="builder-block builder-1ebe29fd14cd45e2a51aee4d7498d6b7 content-list builder-has-component css-4t1s6y" builder-id="builder-1ebe29fd14cd45e2a51aee4d7498d6b7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(f) Once cancellation of your Afterpay Plus subscription is effected, you will not be able to apply for a new Afterpay Plus subscription for at least 12 months from the date of cancellation.</p><p></p></span></div><div class="builder-block builder-17ac48ae39ab4881abaa7d99fa1b5819 builder-has-component css-i62jbr" builder-id="builder-17ac48ae39ab4881abaa7d99fa1b5819"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">11.7. Suspending your Afterpay Plus subscription</p><p></p></span></div><div class="builder-block builder-b82df2fc525748628d759cc46f46ae74 content-list builder-has-component css-1q8zu33" builder-id="builder-b82df2fc525748628d759cc46f46ae74"><span class="builder-text css-1qggkls"><p>(a) Except as otherwise specified in these Terms, Afterpay may (but is not obliged to) suspend your Afterpay Plus subscription where any circumstances giving rise to a cancellation right for Afterpay has occurred, or we reasonably believe they will occur. </p><p></p></span></div><div class="builder-block builder-33b2602000834979aa62b20dfd9adad9 content-list builder-has-component css-1q8zu33" builder-id="builder-33b2602000834979aa62b20dfd9adad9"><span class="builder-text css-1qggkls"><p>(b) During any period of suspension, you will not be charged any new Afterpay Plus subscription fee.</p><p></p></span></div><div class="builder-block builder-188661c597794575b822a6fcb76a5c34 content-list builder-has-component css-1q8zu33" builder-id="builder-188661c597794575b822a6fcb76a5c34"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(c) If we lift the suspension and reinstate your Afterpay Plus subscription, following the reinstatement the Afterpay Plus subscription fee will be charged for each period as set out in the table below in accordance with the applicable scenario:</p><p></p></span></div><style data-emotion-css="1rrq5dk">.css-1rrq5dk.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;text-align:left;margin-right:auto;padding-bottom:0px;margin-bottom:25px;margin-top:25px;}</style><div class="builder-block builder-55482cdb8fd442cbb6d027d04c9a3b26 table-3 builder-has-component css-1rrq5dk" builder-id="builder-55482cdb8fd442cbb6d027d04c9a3b26"><div class="builder-custom-code"><style type="text/css"> .tftable {width:100%;border-width: 1px;border-color: #a9a9a9;border-collapse: collapse;} .tftable th {background-color:#fff !important; border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;text-align:left;} .tftable tr {background-color:#ffffff;} .tftable td {border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;} p {text-align: left !important;} a {text-decoration: underline !important;} b{font-family: "Italian Plate No2 Expanded" !important;} </style> <table class="tftable" border="1"> <tr> <th>Scenario</th> <th>Fee payment</th> <th>Period</th> </tr> <tr> <td> <p> (1) Suspension starts and ends within same Subscription Period </p> </td> <td> Subscription fee paid for Subscription Period in which suspension commences </td> <td> Each Subscription Period (i.e. no change in billing cycle) </td> </tr> <tr> <td> <p> (2) Suspension starts and ends within same Subscription Period </p> </td> <td> Subscription fee not paid for Subscription Period in which suspension commences </td> <td> Each Amended Subscription Period (i.e. billing cycle adjusted) </td> </tr> <tr> <td> <p> (3) Suspension ends in a subsequent Subscription Period </p> </td> <td> - </td> <td> Each Amended Subscription Period (i.e.billing cycle adjusted) </td> </tr> </table> </div></div><div class="builder-block builder-ac1abecafdbf4df9bf7ff9b9a52267e2 builder-has-component css-i62jbr" builder-id="builder-ac1abecafdbf4df9bf7ff9b9a52267e2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">11.8. Refund or waiver of Afterpay Plus subscription fee</p><p></p></span></div><div class="builder-block builder-e0e5ee3ecb17427e815ad6d43e0511d1 content-list builder-has-component css-1q8zu33" builder-id="builder-e0e5ee3ecb17427e815ad6d43e0511d1"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) If during a Subscription Period:</p><p></p></span></div><style data-emotion-css="1qktxr4">.css-1qktxr4.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:20px;margin-top:0px;padding-left:50px;}</style><div class="builder-block builder-c7e867f7b1684ff4b91f3f9c3a1fe316 content-list builder-has-component css-1qktxr4" builder-id="builder-c7e867f7b1684ff4b91f3f9c3a1fe316"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(i) you cancel your Afterpay Plus subscription following our notice of a variation to the Afterpay Plus Terms or any other Terms, which is material and/or to your detriment;</p><p style="text-align: left;">(ii) you cancel your Afterpay Account (or request us to close your Afterpay Account once you have paid all outstanding amounts owing to us) following our notice of a variation to the Afterpay Plus Terms or any other Terms, which is material and/or to your detriment; </p><p style="text-align: left;">(iii) we close your Afterpay Account pursuant to our rights in paragraph (b) under the section titled "When we can close your Afterpay Account" in clause 3.4; or</p><p style="text-align: left;">(iv)we close your Afterpay Account or cancel your Afterpay Plus subscription under any other provision where the closure or cancellation is not as a result of your breach of these Terms or other wrongful act or omission,</p><p></p></span></div><div class="builder-block builder-cb68dae76421439e9a1883dabd90c7a9 content-list builder-has-component css-124g8cf" builder-id="builder-cb68dae76421439e9a1883dabd90c7a9"><span class="builder-text css-1qggkls"><p style="text-align: left;">we will refund to you (or waive) the amount equal to the Afterpay Plus subscription fee that you have paid (or would have paid) in advance for your final subscription period.</p><p></p></span></div><div class="builder-block builder-857bec3c07864b26832d50f2c768df89 content-list builder-has-component css-4t1s6y" builder-id="builder-857bec3c07864b26832d50f2c768df89"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) If during a Subscription Period your subscription is suspended you will not be entitled to any refund for the remainder of that Subscription Period.</p><p></p></span></div><div class="builder-block builder-d155c82557de419490cec6b2a6d48c33 builder-has-component css-i62jbr" builder-id="builder-d155c82557de419490cec6b2a6d48c33"><span class="builder-text css-1qggkls"><p>11.9. Billing Agreement and Automatic Payments</p><p></p></span></div><div class="builder-block builder-5f67bb9cd2a344248dad37ef94945254 content-list builder-has-component css-1q8zu33" builder-id="builder-5f67bb9cd2a344248dad37ef94945254"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) You consent to, authorise and instruct Afterpay to process the Afterpay Plus subscription fee as an Automatic Payment as set out in clause 11.3.</p><p></p></span></div><div class="builder-block builder-15de9b19ef8a47bc8c62ffe9df37621d content-list builder-has-component css-1q8zu33" builder-id="builder-15de9b19ef8a47bc8c62ffe9df37621d"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(b) You are responsible for ensuring that you have sufficient funds available in your Payment Method to make Automatic Payments referred to in this clause 11.9. You are liable for any fees or charges imposed by your Payment Method, except to the extent that such fees or charges arise as a result of our negligence, error or system failure. If any fees or charges are imposed as a result of our negligence, error or system failure, please provide us with a copy of the relevant records, and we will reimburse you for the relevant fees or charges.</p><p></p></span></div></div><div class="builder-block builder-19e29eaa64914a55a533c3cba0c3e90f container css-1todvhy" builder-id="builder-19e29eaa64914a55a533c3cba0c3e90f"><div class="builder-block builder-5e1c5c8dda774ecb9b0f0afaeffe98a2 builder-has-component css-i62jbr" builder-id="builder-5e1c5c8dda774ecb9b0f0afaeffe98a2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>12. Definitions and interpretation</strong></p><p style="text-align: left;"><br></p><p style="text-align: left;">12.1. Definitions</p><p></p></span></div></div><div class="builder-block builder-19f041fdc3f445c0ade721aaef033015 container css-1todvhy" builder-id="builder-19f041fdc3f445c0ade721aaef033015"></div><div class="builder-block builder-b868d934c1a04c29820c0a3576140d3c container css-1todvhy" builder-id="builder-b868d934c1a04c29820c0a3576140d3c"><style data-emotion-css="1bhwmx">.css-1bhwmx.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:24px;height:auto;margin-bottom:10px;padding-left:20px;}</style><div class="builder-block builder-f22d6d8b203545328654f34963d15981 builder-has-component css-1bhwmx" builder-id="builder-f22d6d8b203545328654f34963d15981"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>$ </strong>means Australian dollars.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>AFIA </strong>means Australian Finance Industry Association Limited – www.afia.asn.au.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Afterpay</strong>, <strong>we</strong>, <strong>us </strong>or <strong>our </strong>means Afterpay Australia Pty Ltd ACN 169 342 947.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Afterpay Account</strong> means an account that Afterpay creates to uniquely identify you and to enable you to use our Products.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Afterpay Affiliate</strong> means a related body corporate or related entity of Afterpay, including one in another jurisdiction.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Afterpay App</strong> or <strong>App </strong>means our application developed specifically by Afterpay and downloadable directly to your mobile device from the App Store or Google Play, to access and manage the Products. </p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Afterpay Card</strong> means the Afterpay card generated using the Afterpay App (linked to the digital wallet on the device on which it is loaded) and authorised for your use to make your Afterpay purchase in-store or online (where enabled).</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Afterpay Plus Terms</strong> has the meaning given in clause 11.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Automatic Payment </strong>means an automatic payment by you on a one-time or regular basis as set out in these Terms that we will automatically charge.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>BNPL Code</strong> means the Code of Practice for Buy Now Pay Later Providers that is available at https://afia.asn.au/AFIA-Buy-Now-Pay-Later-Code-of-Practice.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Business Day</strong> means a day other than a Saturday, Sunday or a public holiday in Victoria, Australia.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Card </strong>means any Australian card issued by Visa or MasterCard, excluding Gift Cards and other pre-paid cards.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>CCC </strong>(or Code Compliance Committee) means the independent committee established by AFIA to monitor and investigate compliance with the BNPL Code. </p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Code Compliant Member</strong> means a member of AFIA that has been approved as a Code Compliant Member by AFIA and is a signatory to the BNPL Code.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Consequential Loss</strong> means any loss, damage or costs incurred that is:</p><p></p></span></div><div class="builder-block builder-9f706cd7131740a88eb79c15236e6f2f content-list builder-has-component css-1pfwgu1" builder-id="builder-9f706cd7131740a88eb79c15236e6f2f"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) indirect or consequential; and </p><p style="text-align: left;">(b) any loss of revenue; loss of income; loss of business; loss of profits; loss of production; loss of or damage to goodwill or credit; loss of business reputation, future reputation or publicity; loss of use; loss of interest; losses arising from claims by third parties; loss of or damage to credit rating; loss of anticipated savings and/or loss or denial of opportunity other than in respect of any such losses incurred by Afterpay directly in respect of the agreement to which these Terms apply.</p><p></p></span></div><style data-emotion-css="4vewwn">.css-4vewwn.builder-block{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;margin-bottom:10px;padding-left:20px;}</style><div class="builder-block builder-f49b105eb78e49398bd2ed46787d1aab builder-has-component css-4vewwn" builder-id="builder-f49b105eb78e49398bd2ed46787d1aab"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>Consumer Rights</strong> has the meaning given in clause 2.2.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Cross Border Transaction</strong> means an Afterpay Purchase between you and a Retailer in an overseas jurisdiction permitted by Afterpay.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Fees </strong>means the fees set out in Schedule 1 as amended from time to time in accordance with clause 1.3, including Late Fees.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>First Instalment</strong>, in respect of an Order, means the first instalment payment for that Order. We calculate this as a dollar amount or percentage of the Original Order Value. Where clause 4.8 applies, the First Instalment is the Higher Upfront Payment.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Gift Card </strong>means a stored value or prepaid card which, when activated:</p><p></p></span></div><div class="builder-block builder-1bc4b932748c4501826417be97724dd2 content-list builder-has-component css-1pfwgu1" builder-id="builder-1bc4b932748c4501826417be97724dd2"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) can be used to purchase services or merchandise from suppliers;</p><p style="text-align: left;">(b) may not be redeemable for cash;</p><p style="text-align: left;">(c) may be capable of being used on multiple occasions;</p><p style="text-align: left;">(d) is marketed solely as a gift card;</p><p style="text-align: left;">(e) is not a component of another financial product;</p><p style="text-align: left;">(f) prominently displays or permits the prominent display on the card or mechanism either:(i) the expiration date; or (ii) the number of months following purchase that such card or mechanism expires (along with room to write the purchase date on such card or mechanism); and</p><p style="text-align: left;">(g) includes both open loop and closed loop pre-paid cards.</p><p></p></span></div><div class="builder-block builder-08bbb680ca634f5585ea0d3fefb47112 builder-has-component css-1bhwmx" builder-id="builder-08bbb680ca634f5585ea0d3fefb47112"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>Higher Upfront Payment </strong>has the meaning given in clause 4.8.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Late Fees</strong> mean the fees set out in Schedule 1.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>No Payment Upfront Feature </strong>has the meaning given in clause 4.10.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Order </strong>means a request submitted by you to us, to use an Afterpay Product to (subject to these Terms where the First Instalment is payable by you at the time of your Order) pay for goods or services offered by a Retailer (whether on the Retailer’s website or at an in-store location of the Retailer) or to pay for Third Party Goods (as is relevant).</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Original Order Value</strong> means the total cost of your Order before any refunds may be applied, which may be displayed to you when you check out (whether by Afterpay, a Retailer or a Third Party Supplier).</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Payment Method</strong> means any payment method accepted by Afterpay from time to time, including a Card.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Payment Schedule</strong> means, in relation to an Order, a list of payment amounts that Afterpay is entitled to receive from you, and the relevant due dates of each payment as updated from time to time. For the avoidance of doubt, the applicable timezone for all due dates provided as part of a Payment Schedule shall be the applicable timezone in Melbourne, Australia.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Platforms</strong> means our App, Website and Web Portal, and <strong>Platform</strong> means any of them.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Preferred Payment Day</strong> has the meaning given in clause 4.9.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Preferred Payment Method</strong> means the Payment Method you have chosen and nominated as the primary payment method in the App or Web Portal from time to time, which will be pre-selected when you place an Order.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Products </strong>mean the payment products and associated services offered by Afterpay from time to time.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Recurring Payment </strong>means<strong> each </strong>arrangement made between you and a Retailer or Afterpay for your Afterpay Account to be used for any recurring payments, which may also be described by a Retailer or Afterpay as subscriptions, billing agreements, pre-authorised payments, fixed recurring payments, flexible recurring payments or any reasonably similar term.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Retailer </strong>means an online or in-store merchant with which Afterpay or an Afterpay Affiliate has a merchant agreement and whose goods or services may be purchased by you using our Products.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Selected Payment Method</strong> means the Payment Method that you have selected for an Order, which you may update from time to time.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Spend Cap</strong> means a self-imposed maximum limit on the total amount that you can spend with Afterpay.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Terms</strong> means these terms and their schedule, as amended from time to time.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Third Party Goods</strong> means goods or services supplied by a Third Party Supplier that may be purchased through the App or Web Portal using the Products.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Third Party Supplier</strong> means our third party supplier of Third Party Goods.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Web Portal </strong>means the web-based application where we make certain features of our Products available to you, via <a href="http://www.secure-afterpay.com.au" rel="noopener noreferrer" target="_blank">www.secure-afterpay.com.au</a>. </p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>Website </strong>means <a href="http://www.afterpay.com" rel="noopener noreferrer" target="_blank">www.afterpay.com</a> and any other website operated by Afterpay.</p><p style="text-align: left;"><br></p><p style="text-align: left;"><strong>you</strong> or <strong>your</strong> means the person identified when an Afterpay Account is created. If:</p><p></p></span></div><div class="builder-block builder-ec44124a63ec4169b0d882f4a051d655 content-list builder-has-component css-17m46cs" builder-id="builder-ec44124a63ec4169b0d882f4a051d655"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) such person does not exist, or</p><p style="text-align: left;">(b) the name or details are used by someone who is not in fact that person, or</p><p style="text-align: left;">(c) is otherwise provided dishonestly or fraudulently, then you or your means the person who clicks to accept these Terms.</p><p></p></span></div><div class="builder-block builder-cb5e6de646314c2e9dcad82e5eb6705a builder-has-component css-i62jbr" builder-id="builder-cb5e6de646314c2e9dcad82e5eb6705a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">12.2. Interpretation</p><p></p></span></div><div class="builder-block builder-f0fbb8e15e394b40a259d20696cd65e1 content-list builder-has-component css-17m46cs" builder-id="builder-f0fbb8e15e394b40a259d20696cd65e1"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(a) Headings contained in this document are for reference purposes only.</p><p style="text-align: left;">(b) A reference to a clause is a reference to a clause in this document, unless specified otherwise.</p><p></p></span></div></div><div class="builder-block builder-b69423eaf464415185cb3d56bb9333d2 container css-1todvhy" builder-id="builder-b69423eaf464415185cb3d56bb9333d2"><div class="builder-block builder-f8cbc81c5716464b803d76dd7883db26 builder-has-component css-i62jbr" builder-id="builder-f8cbc81c5716464b803d76dd7883db26"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>SCHEDULE 1</strong></p><div style="font-size: 1em; text-align: left;"><br></div><p style="text-align: left;">Late Payments</p><p></p></span></div><div class="builder-block builder-68674c5834f4446f8cd670ee9c96cb0b content-list builder-has-component css-1pfwgu1" builder-id="builder-68674c5834f4446f8cd670ee9c96cb0b"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">(1) If you fail to pay any amounts according to the Payment Schedule, Late Fees will apply on each payment that is due but not received. For the avoidance of doubt, Late Fees will not be applied until the day immediately following the day that the payment is due.</p><p style="text-align: left;">(2) We may, at our sole discretion, reasonably delay the application of, or waive wholly or partly, any Late Fee. If Late Fees are or may be incurred as a result of Afterpay’s error, please let us know, and we will waive or refund such fees, as relevant.</p><p></p></span></div><div class="builder-block builder-8917acfcac5249199a2758a3521c891e builder-has-component css-i62jbr" builder-id="builder-8917acfcac5249199a2758a3521c891e"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">Late Fee: </p><div style="font-size: 1em; text-align: left;"><br></div><p style="text-align: left;">Afterpay has introduced caps on Late Fees as set out below:</p><p></p></span></div><style data-emotion-css="1y7bhky">.css-1y7bhky.builder-block{display:none;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;text-align:left;margin-right:auto;padding-bottom:0px;margin-bottom:25px;margin-top:25px;}</style><div class="builder-block builder-e5b19e41ff7d4199a0be38e1c38d989c table-1 builder-has-component css-1y7bhky" builder-id="builder-e5b19e41ff7d4199a0be38e1c38d989c"><div class="builder-custom-code"><style type="text/css"> .tftable {width:100%;border-width: 1px;border-color: #a9a9a9;border-collapse: collapse;} .tftable th {background-color:#b8b8b8;border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;text-align:left;font-weight: 700; font-} .tftable tr {background-color:#ffffff;} .tftable td {border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;} p {text-align: left !important;} b{font-family: "Italian Plate No2 Expanded" !important;} </style> <table class="tftable" border="1"> <tr> <th><b >If you make a request for:</b></th> <th><b>Please take note:</b></th> </tr> <tr> <td> <p> Access </p> </td> <td> <p> We will ask for information to verify your identity. </p> <p> We will generally provide you with access to this information within 30 days of a request. </p> <p> However, there may be circumstances where we may deny access to some or all of the requested information, for example where giving access would be unlawful, denying access is required or authorised under Australian law or might prejudice enforcement activity. </p> <p>There is no cost for making an access request, but we may charge reasonable administration costs for retrieval and providing access.</p> </td> </tr> <tr> <td><p>Correction</p></td> <td> <p> After receiving your request for correction, if we consider that the credit-related personal information we hold about you is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take all reasonable steps to correct this information within 30 days of your request, or a longer period if agreed with you in writing. </p> <p> Where necessary to resolve your correction request, we may consult with credit reporting bodies or other lenders. If we do not hold the information to be corrected, we will inform you in writing and set out your options. </p> <p> There is no cost for making a correction request. </p> </td> </tr> </table> </div></div><div class="builder-block builder-a5bb6a6c34f6456ca7de9109ab990b2b table-2 builder-has-component css-1rrq5dk" builder-id="builder-a5bb6a6c34f6456ca7de9109ab990b2b"><div class="builder-custom-code"><style type="text/css"> .tftable {width:100%;border-width: 1px;border-color: #a9a9a9;border-collapse: collapse;} .tftable th {background-color:#b8b8b8 !important;border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;text-align:left;} .tftable tr {background-color:#ffffff;} .tftable td {border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;} p {text-align: left !important;} a {text-decoration: underline !important;} b{font-family: "Italian Plate No2 Expanded" !important;} </style> <table class="tftable" border="1"> <tr> <th><b>Original Order Value<b></th> <th><b>Applicable Late Fee:<b></th> </tr> <tr> <td> <p> $40 or below </p> </td> <td> <ul> <li> • One Late Fee of 25% of the Original Order Value when you first fail to make a payment in accordance with your Payment Schedule. </li> <li> • No other Late Fee is payable. </li> </ul> </td> </tr> <tr> <td> <p> Above $40 </p> </td> <td> <ul> <li> • For each Order, the aggregate sum of Late Fees will be capped at the lower of 25% of the Original Order Value or $68. </li> <li> • Up to this maximum cap, for each late payment we will charge: <ul style="margin-left:20px"> <li> - an initial $10 Late Fee if you fail to make a payment in accordance with your Payment Schedule, plus </li> <li> - a further $7 Late Fee if the late payment remains unpaid 7 days after your payment was due. </li> </ul> </li> <li> • To remain within the maximum Late Fee cap, we may charge partial amounts of the initial $10 Late Fee and the subsequent $7 Late Fee. </li> </ul> </td> </tr> </table> </div></div><div class="builder-block builder-17361a5514ad4cbdb3ae6c9a896856b7 builder-has-component css-1jp1sjk" builder-id="builder-17361a5514ad4cbdb3ae6c9a896856b7"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;">For example, a $20 Order will have a maximum of one $5 Late Fee applied, a $108 Order will have up to $27 (25% x $108) of Late Fees applied, and a $500 Order will have a maximum of $68 Late Fee applied. No additional Late Fees will be applied to payments associated with that Order above these amounts.</p><p style="text-align: left;"><br></p><p style="text-align: left;">Other fees or charges: Nil</p><p></p></span></div></div><div class="builder-block builder-23f6aba7c38845b4896a8c7a2dd8b7fe container css-1todvhy" builder-id="builder-23f6aba7c38845b4896a8c7a2dd8b7fe"><style data-emotion-css="2zdg7d">.css-2zdg7d.builder-block{display:none;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;line-height:normal;height:auto;margin-bottom:10px;}</style><div class="builder-block builder-ceb8ff6267db471d812ab676d8c44067 builder-has-component css-2zdg7d" builder-id="builder-ceb8ff6267db471d812ab676d8c44067"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; text-align: left;"><strong>Afterpay</strong> </p><p></p></span></div><style data-emotion-css="1l889ro">.css-1l889ro.builder-block{display:none;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;box-sizing:border-box;height:auto;text-align:left;font-family:ItalianPlateNo2Expanded-Regular,sans-serif;margin-bottom:10px;margin-top:0px;padding-left:20px;}</style><div class="builder-block builder-23135bf570834679b666d7f5fadf6626 content-list builder-has-component css-1l889ro" builder-id="builder-23135bf570834679b666d7f5fadf6626"><span class="builder-text css-1qggkls"><p style="text-align: left;"><a href="https://www.afterpay.com/en-AU/category-index" rel="noopener noreferrer" target="_blank">Category index</a></p><p style="text-align: left;"><a href="https://www.afterpay.com/en-au/afterpay-misconceptions" rel="noopener noreferrer" target="_blank">Afterpay Misconceptions</a></p><p style="text-align: left;"><a href="https://www.afterpay.com/en-AU/how-it-works" rel="noopener noreferrer" target="_blank">How it works</a> </p><p style="text-align: left;"><a href="https://www.afterpay.com/en-AU/in-app-only" rel="noopener noreferrer" target="_blank">Single Use Payments</a> </p><p></p></span></div><div class="builder-block builder-778d61f81d7342f09e000b27f5603a5a builder-has-component css-2zdg7d" builder-id="builder-778d61f81d7342f09e000b27f5603a5a"><span class="builder-text css-1qggkls"><p style="font-size: 1.125em; 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We pay our respects to their Elders past and present. <b>Always was, always will be, Aboriginal Land.</b></p></div><div class="footer_logo__ElLXN"></div></div></div></div></div><script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"builderTargetUrlPath":"/terms-of-service","locale":"en-AU","builderContent":{"createdBy":"jh9oEU30EVcOg3QC0hLTYOJG9ug1","createdDate":1726560021480,"data":{"cssCode":".dly-section{width:100vw;padding-left:3.75rem;padding-right:3.75rem;margin-left:calc(50% - 50vw)}@media(min-width: 768px)and (max-width: 1024px){.dly-section{padding-left:3.5rem;padding-right:3.5rem}}@media(max-width: 767px){.dly-section{padding-left:1rem;padding-right:1rem}}.builder-text\u003e*{font-size:inherit !important;text-align:inherit !important}@media screen and (max-width: 1023px){.fullscreentablet{width:100vw;margin-left:calc(50% - 50vw)}}body{font-family:\"Italian Plate No2 Expanded\",sans-serif}.main .container{max-width:100%;width:100%}.main .container strong{color:#000;font-family:\"Italian Plate No2 Expanded\";font-weight:700 !important}.main .container .page-title{font-size:52px;margin-bottom:50px;margin-top:55px}@media(max-width: 991.98px){.main .container .page-title{font-size:36px;margin:45px 0}}.main .container .content-list a{color:blue}.main .container .content-list ul li{margin-left:20px}.main .container .content-text a{color:blue}.main .container .table-1{width:100%}.main .container .table-3.tftable th{background-color: #fff !important;} .table-2{width:100%}.main .container .table-2 a{color:blue}\n.content-list-space p br{\n display: none;\n}\n\n.content-list-space p{\n margin-bottom: 15px;\n}\n\n.content-text-space p br{\n display: none;\n}\n\n.content-text-space p{\n margin-bottom: 15px;\n}\n\n.table-3 .tftable th{\nbackground-color: #fff !important;\n}\n\n/* .content-list p{\nmargin-bottom: 10px;\n} */","customFonts":[{"category":"sans-serif","family":"ItalianPlateNo2Expanded-Regular","fileUrl":"https://cdn.builder.io/o/assets%2Fb4f4a2d9d03a447491041054df7592d3%2Ffb8d003f76ab41eca47dcad344e52276?alt=media\u0026token=2b2fc1b6-9ca9-4cee-9867-4931fac3ba6e\u0026apiKey=b4f4a2d9d03a447491041054df7592d3","isUserFont":true}],"jsCode":"var __awaiter=function(e,n,t,r){return new(t||(t=Promise))((function(o,i){function a(e){try{l(r.next(e))}catch(e){i(e)}}function u(e){try{l(r.throw(e))}catch(e){i(e)}}function l(e){var n;e.done?o(e.value):(n=e.value,n instanceof t?n:new t((function(e){e(n)}))).then(a,u)}l((r=r.apply(e,n||[])).next())}))},__generator=function(e,n){var t,r,o,i,a={label:0,sent:function(){if(1\u0026o[0])throw o[1];return o[1]},trys:[],ops:[]};return i={next:u(0),throw:u(1),return:u(2)},\"function\"==typeof Symbol\u0026\u0026(i[Symbol.iterator]=function(){return this}),i;function u(i){return function(u){return function(i){if(t)throw new TypeError(\"Generator is already executing.\");for(;a;)try{if(t=1,r\u0026\u0026(o=2\u0026i[0]?r.return:i[0]?r.throw||((o=r.return)\u0026\u0026o.call(r),0):r.next)\u0026\u0026!(o=o.call(r,i[1])).done)return o;switch(r=0,o\u0026\u0026(i=[2\u0026i[0],o.value]),i[0]){case 0:case 1:o=i;break;case 4:return a.label++,{value:i[1],done:!1};case 5:a.label++,r=i[1],i=[0];continue;case 7:i=a.ops.pop(),a.trys.pop();continue;default:if(!(o=(o=a.trys).length\u003e0\u0026\u0026o[o.length-1])\u0026\u0026(6===i[0]||2===i[0])){a=0;continue}if(3===i[0]\u0026\u0026(!o||i[1]\u003eo[0]\u0026\u0026i[1]\u003co[3])){a.label=i[1];break}if(6===i[0]\u0026\u0026a.label\u003co[1]){a.label=o[1],o=i;break}if(o\u0026\u0026a.label\u003co[2]){a.label=o[2],a.ops.push(i);break}o[2]\u0026\u0026a.ops.pop(),a.trys.pop();continue}i=n.call(e,a)}catch(e){i=[6,e],r=0}finally{t=o=0}if(5\u0026i[0])throw i[1];return{value:i[0]?i[1]:void 0,done:!0}}([i,u])}}};function main(){return __awaiter(this,void 0,void 0,(function(){return __generator(this,(function(e){return Builder.isServer,Builder.isBrowser\u0026\u0026setTimeout((function(){document.getSlectAll(\"\")}),500),[2]}))}))}var _virtual_index=main();return _virtual_index","preventIndexing":false,"themeId":false,"title":"Afterpay Terms of Service - 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In some cases, Afterpay may require you to make a payment at the time of purchase.\u003c/li\u003e\u003cli\u003eYou must meet identification requirements and our eligibility criteria, including that you must be at least 18 years old and be the authorised holder of an eligible Card to apply (see clause 2.4 for eligibility criteria).\u003c/li\u003e\u003cli\u003eAll Orders are subject to Afterpay’s approval – for example, if you have any overdue payments, Afterpay will not be available to you. For more information on assessment and checks, see clause 6.2.\u003c/li\u003e\u003cli\u003eYou may make early payments, otherwise Afterpay will automatically process payments in accordance with the due date stated on your Payment Schedule.\u0026nbsp;If a payment is not processed on or before the due date, Late Fees will apply.\u003c/li\u003e\u003cli\u003eWe apply maximum Late Fee caps:\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"0px","marginTop":"0px","paddingLeft":"12px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-4c7a7aff8b0b4260b13deeefe0a6ff4a","class":"content-list","meta":{"previousId":"builder-99d8b7547aa148109a8111b24364b5d0"},"component":{"name":"Text","options":{"text":"\u003cul\u003e\u003cli\u003eFor each Order of $40 or below, the total Late Fee payable is one Late Fee capped at 25% of the Original Order Value.\u003c/li\u003e\u003cli\u003eFor each Order above $40, the total amount of\u0026nbsp;Late Fees payable is the lower of 25% of the Original Order Value or $68. Up to this maximum Late Fee cap, we will charge an initial Late Fee of $10, and a further Late Fee of $7 if the payment remains unpaid 7 days after the due date. We may charge partial amounts of the initial $10 Late Fee and the subsequent $7 Late Fee to remain within the maximum Late Fee cap.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"0px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-be82c4b6ffc049fc964b9000c333435d","class":"content-list","meta":{"previousId":"builder-ca12e3346f474073903a93f52a3b5895"},"component":{"name":"Text","options":{"text":"\u003cul\u003e\u003cli\u003eSome features accessible on the App may not be accessible on the Web Portal, and vice versa.\u003c/li\u003e\u003cli\u003eIf you won’t be able to pay us on time, please contact us as soon as possible. Please\u0026nbsp;\u003ca href=\"https://www.afterpay.com/en-AU/hardship\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eclick here\u003c/a\u003e\u0026nbsp;for more information regarding Hardship.\u003c/li\u003e\u003cli\u003eThe delivery/quality of goods and services and all refunds are the responsibility of the Retailer where you make the purchase or the Third Party Supplier who supplies the Third Party Goods available through our Platforms.\u003c/li\u003e\u003cli\u003eIf you decide to purchase goods from an authorised Retailer from outside of Australia, we draw your attention to clause 4.5.\u003c/li\u003e\u003cli\u003eWe are a Code Compliant Member under the BNPL Code. You have certain rights and we have certain obligations to you under the BNPL Code. For further information, see clause 2.6.\u003c/li\u003e\u003cli\u003eWe limit our liability to you in accordance with clause 10.3, and you indemnify us in accordance with clause 10.4.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"12px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content 2","id":"builder-02b66e6c9ea044c29a7076c4ac26fc7b","meta":{"previousId":"builder-9a43f002edd34da5b313fbc78510c98d"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003ePlease read these Terms\u0026nbsp;carefully as they impose rules, obligations and other responsibilities on you in respect of your use of, and access to, our Products. 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text-align: left;\"\u003e(n) if you think that you won’t be able to pay us on time, contact us as soon as possible; and\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list m","id":"builder-66bc18843c6a413ba60bbf055c21f429","class":"content-list","meta":{"previousId":"builder-e68d27c8acfa48899083bae9ce4576b4"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(o) ensure that you update your App software to ensure it is using the latest version.\u0026nbsp;You can find information on the latest version of the App on the App Store or Google Play Store.\u0026nbsp;You must also ensure that your device you use to access any Platform has adequate security, including for example by using a secure internet connection, ensuring that your device is using the latest security release for your hardware and relevant software and you have reasonable anti-virus software and / or protection.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content 3.3","id":"builder-bfa6c05d821c464fbaf5e65d95fe2165","meta":{"previousId":"builder-36c3634e7e194995b965ff38ef864d50"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; 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text-align: left;\"\u003e(i) You can close your Afterpay Account at any time via the App or by contacting us directly for any reason (including where we are making unilateral changes under clause 1.3) if you have paid all outstanding amounts owed to us (including Late Fees) in full.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-89e9f7a4960a4b1a88ed202761498eb8","class":"content-list","meta":{"previousId":"builder-3763c618f3814154b80beba1a084b19d"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(ii) If you have outstanding amounts owing to us, you can ask us to deactivate your Afterpay Account so that you cannot place a new Order with us, and you will be able to close your Afterpay Account once you have paid all outstanding amounts to us (including Late Fees) via the App or by contacting us directly.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-4a81a07b9e3744ab8eb0580f18a75c92","class":"content-list","meta":{"previousId":"builder-89e9f7a4960a4b1a88ed202761498eb8"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; 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text-align: left;\"\u003e(d) If you do not select your preferred day when the feature is available, we will default your Preferred Payment Day to a day we choose.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-f1aaf729e1794c93b13d49e106587cb6","class":"content-list","meta":{"previousId":"builder-4e967ecbd43c4d039bcbb5b1c582b126"},"component":{"name":"Text","options":{"text":"\u003cp style=\"text-align: left;\"\u003e(e) You may amend your Preferred Payment Day for future Orders at any time in the Afterpay App.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content 4.10","id":"builder-ffb0cc96fe4143b2bf0ec67958bc3163","class":"content-text-space","meta":{"previousId":"builder-f649af759e364c7e8d97c60b1e0eeb0e"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e4.10. 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text-align: left;\"\u003e(b) An eligible Order for the No Upfront Payment Feature means that the Order must meet certain criteria including:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list child","id":"builder-3db19e1423534137a96037d6a841c022","class":"content-list","meta":{"previousId":"builder-56c71d14c1834b178aba7bad1a92e113"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(i) your Afterpay Account is accepted as a form of payment by a merchant;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(ii) the order must total $500 or less including any taxes, shipping and other charges;\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iii) the order must not be for a Gift Card; and\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iv) the type of Order, Retailer and/or Third Party Supplier meets our risk requirements.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-42ac10f185be429dbb8fb8f3f1cef2e3","class":"content-list","meta":{"previousId":"builder-d8e7b20e71d54f378ff15524a5dc5670"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(c) If we make the No Payment Upfront Feature available to you, the App will show that the feature is active.\u0026nbsp;We may also send you a communication confirming that you have access to the feature.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-4d0e29a7501f477cadb2c92de587d1b2","class":"content-list","meta":{"previousId":"builder-fd65fdcfb8354a129c7375b3be1d5aa8"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(d) If we make the No Payment Upfront Feature available to you, you can turn the feature on or off at any time within the Afterpay App, except where you have lost access in accordance with clause 4.10(f) below, in which case the feature can only be reactivated by Afterpay.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-4a2907a3bdc74d2f93e51ab87a836850","class":"content-list","meta":{"previousId":"builder-4d0e29a7501f477cadb2c92de587d1b2"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(e) Afterpay will decide whether to make the No Payment Upfront Feature available to you and for how long (whether for the first time or in considering whether to reactivate the feature after a deactivation). In deciding these things, Afterpay will consider a range of factors including:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list child","id":"builder-ba16aa940a2a484d91b9b4c2784876be","class":"content-list","meta":{"previousId":"builder-3db19e1423534137a96037d6a841c022"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(i) if you have held an existing Afterpay Account in Australia for more than 1 year;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(ii) if you have requested or received financial hardship assistance in the past year;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iii) if you have had fewer than 6 times that you have not made a First Instalment when due in the past 6 months; and\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iv) your payment behaviours and use of the Product, including whether you make regular Orders.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-6d5c28dc34354f60bd105bd6d8d7e9cf","class":"content-list","meta":{"previousId":"builder-4a2907a3bdc74d2f93e51ab87a836850"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(f) If you have access to the No Payment Upfront Feature and do not make your payments when they are due (unless solely due to our error), we may deactivate the No Payment Upfront Feature without prior notice to you.\u0026nbsp;Acting reasonably, we may also deactivate the feature without prior notice to you where we consider that deactivation is reasonably necessary to protect our legitimate interests (which include the commercially reasonable management of our Products and the management of certain risks, including the credit, operational and regulatory risks we are exposed to when providing this Product to you).\u0026nbsp;If we deactivate the feature, this may be communicated to you and/or we may let you know in the App.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content 4.10","id":"builder-b1fe91c4a87e46478ab32ad409e0fc44","class":"content-text-space","meta":{"previousId":"builder-ffb0cc96fe4143b2bf0ec67958bc3163"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e4.11. 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The return or refund must be completed within the period specified and in the manner required by the Retailer’s or Third Party Supplier’s returns policy (or the online marketplace’s policies, if applicable) or as otherwise permitted by the Retailer, Third Party Supplier or by law.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-db0d6710d2954babac572a0880db7bbd","class":"content-list","meta":{"previousId":"builder-f7fd76eb3eb444adaece13260a885b68"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(c) Unless we are notified by a Retailer or Third Party Supplier (or the provider of an online marketplace, if applicable) that a return (if applicable) has been completed and a refund\u0026nbsp; has been issued, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.\u0026nbsp; Late fees will apply in accordance to these Terms if you miss a payment, even if you are seeking a refund.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-aef08e7b7a824255a094fba4a6a765a2","class":"content-list","meta":{"previousId":"builder-6271683b280f457e91f25ee3cb4c53c4"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(d) Until such time that the Retailer or Third Party Supplier (or the provider of an online marketplace, if applicable) has confirmed the return of the goods or that services have not been provided (if applicable) and has issued a transaction reversal for those goods or services, you will still need to make the payments in accordance with your Payment Schedule.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-70fbb82630a648e9888ac965eeec89f0","class":"content-list","meta":{"previousId":"builder-aef08e7b7a824255a094fba4a6a765a2"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(e) Once the Retailer or Third Party Supplier has confirmed that a refund is payable, we will issue a refund to your Selected Payment Method for that Order, or where you had more than one Selected Payment Method, to one or more of those Selected Payment Methods we choose (or, if that is not possible, to any other Card that you have provided details of) and/or adjust your Payment Schedule appropriately (including to reduce or cancel any future payments, if necessary).\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"0px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-23a16fd7a8e441ee9fab6e83aa964ee3","class":"content-list","meta":{"previousId":"builder-70fbb82630a648e9888ac965eeec89f0"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003eFor example, if you make a $400 purchase using Afterpay and the Retailer approves a $250 refund, we will cancel your 3rd and 4th instalments of $100, and amend your 2nd instalment to $50. 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text-align: left;\"\u003e(i) will acknowledge receipt of all complaints within 1 Business Day or as soon as reasonably practicable;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(ii) will provide an initial response to all complaints within 10 Business Days from the date of the complaint; and\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iii) aim to resolve all complaints within 21 days.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-9a8f777085dd49ad935001526c807222","class":"content-list","meta":{"previousId":"builder-510916fe28384a7cac2794e9886d1b46"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(b) If you wish to raise a complaint related to our Product, these Terms or the Agreement, you should do so by contacting us via the Help icon in the My Afterpay tab in our App or on our Website, at \u003ca href=\"https://help.afterpay.com/hc/en-au\" rel=\"noopener noreferrer\" target=\"_blank\"\u003e\u003cu\u003ehelp.afterpay.com\u003c/u\u003e\u003c/a\u003e. Complaints against us should be raised with us as soon as possible.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-cb73141685b24e6cb29a60b9047737c8","class":"content-list","meta":{"previousId":"builder-9a8f777085dd49ad935001526c807222"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(c) We may request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all reasonable assistance to us to facilitate us in resolving any complaints or disputes.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-64fd028ca1044e028d86e412699be233","class":"content-list","meta":{"previousId":"builder-cb73141685b24e6cb29a60b9047737c8"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(d) Where we cannot resolve a complaint within 21 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint or dispute.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-a2d3db3e4c3844eebf41b2df6364067e","class":"content-list","meta":{"previousId":"builder-64fd028ca1044e028d86e412699be233"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(e) When we have completed our investigation of your complaint, we will provide you with a written response, which will include:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list child","id":"builder-db3c098f4f6840ffbf53e8b25670f616","class":"content-list","meta":{"previousId":"builder-bd2c173496704faa9a7fcefca91fb417"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(i) the outcome of our investigation;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(ii) your right to take your complaint to AFCA; and\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iii)AFCA’s contact details.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-9b218c1b07114da6b4d7360103fe899f","class":"content-list","meta":{"previousId":"builder-c7d3778ac1e2460ebb7b53276149b007"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(f) There may be some circumstances where (unless otherwise required to do so) we will not provide a written response to you because we have either:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list child","id":"builder-30caec4740834d45be41c8d1487d9021","class":"content-list","meta":{"previousId":"builder-db3c098f4f6840ffbf53e8b25670f616"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(i) resolved the complaint to your satisfaction within 5 Business Days; or\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(ii) given you an appropriate explanation and / or apology and there are no further actions we can take to reasonably address the complaint.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-55d5be340d4a4567b56c73db38d11cd3","class":"content-list","meta":{"previousId":"builder-9b218c1b07114da6b4d7360103fe899f"},"component":{"name":"Text","options":{"text":"\u003cp\u003e(g) If you are not satisfied with the outcome of your complaint after it has been through our internal disputes process above, you can contact the Australian Financial Complaints Authority (AFCA) using the contact details listed below.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-7789855fa9ff45769d8de119484d7a52","class":"content-list","meta":{"previousId":"builder-f035808589eb49eea254f4330991434f"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003eAFCA email:\u0026nbsp;info@afca.org.au\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-c73c001a198a42fba6b59c71b9e0dd9a","class":"content-list","meta":{"previousId":"builder-ac206b32451844838a402d0debc1ecfb"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003eAFCA website: www.afca.org.au\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-e300f2bdb29b446ab5718d7d80e11a75","class":"content-list","meta":{"previousId":"builder-48da0655693b4de0980d3e0e11e34165"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003ePhone:\u0026nbsp;1800 931 678 (free call)\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-0320e3d5477543099ca6643233f38888","class":"content-list","meta":{"previousId":"builder-5bac7195992442809524ce5cd47be483"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003eIn writing to: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-35a16023b37a472e9f940ecbee74d216","class":"content-list","meta":{"previousId":"builder-6069f1d11d3d46b09be669b1721e2e4a"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(h) If you have a specific dispute with us that involves a breach of the BNPL Code, you should contact us in the first instance and then contact AFCA, if considered necessary. 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The CCC will not consider your complaint if you are still trying to resolve it with us, or with AFCA. 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Where a notice is sent by post, service of the notice is taken to be effected on the fourth day after the date of postage. 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It is also subject to any express rights of refund under these Afterpay Plus Terms or where Afterpay agrees otherwise to provide a refund.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"50px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-3de1c464bde449d0b69eb0b3b1550e77","class":"content-list","meta":{"previousId":"builder-6d53c132671f4d26acb063debb5fbd0e"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(e) If you fail to make any Afterpay Plus subscription fee payment on the due date, your Afterpay Plus subscription will be suspended and you will be provided 7 days (or such longer period that we may notify on any Platform) to ensure this payment is successful. If the payment is subsequently successful within this period, your subscription will renew according to clause 11.7(c). If the period has elapsed and you have still failed to make any applicable payment, your Afterpay Plus subscription will be cancelled by Afterpay, and you will lose any associated Afterpay Plus benefits from the applicable month for which the payment relates. With respect to the Afterpay Plus Card, this will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-2cd9ad850a6049a68dd0d2a3496b2d5d","meta":{"previousId":"builder-96eb2731e1b54eeda8bfbce960903c48"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e11.4. 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The Afterpay Plus Card enables you to use Afterpay as a method for payment with merchants who accept Apple Pay, Google Pay or Samsung Pay, subject to certain merchant or product exclusions.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-1cde1949045644e3a07c3d7f88f5005a","meta":{"previousId":"builder-2cd9ad850a6049a68dd0d2a3496b2d5d"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e11.5. Pausing your Afterpay Plus subscription\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-e5e04ed50c0e4c479db50b6f92651440","class":"content-list","meta":{"previousId":"builder-dc046a6625df43798bde80821058ed3a"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(a) You may pause your Afterpay Plus subscription at any time a pause is available to you within the “My Afterpay” section of the Afterpay App. This will place a temporary hold on your access to Afterpay Plus benefits (including Afterpay Plus Card) from the next monthly payment date and you will not be charged the Afterpay Plus subscription fee for the duration of the pause. When your Afterpay Plus subscription is paused, your Afterpay Plus Card will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-b48e6f9b0fc44813b5591d86055d6eea","class":"content-list","meta":{"previousId":"builder-e5e04ed50c0e4c479db50b6f92651440"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(b) We will display the subscription pause periods and the number of pauses available to you (if any) in the Afterpay App.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-428a9986519a4be99005b4d188d9ce61","meta":{"previousId":"builder-1cde1949045644e3a07c3d7f88f5005a"},"component":{"name":"Text","options":{"text":"\u003cp\u003e11.6. Cancelling your Afterpay Plus subscription\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-e84d353e3e0a4000ba4fba02ccb99021","class":"content-list","meta":{"previousId":"builder-e5e04ed50c0e4c479db50b6f92651440"},"component":{"name":"Text","options":{"text":"\u003cdiv style=\"font-size: 1em; text-align: left;\"\u003e(a) You may cancel your Afterpay Plus subscription at any time within the “My Afterpay” section of the Afterpay App which will take effect at the end of the current Subscription Period. To avoid any future charges for Afterpay Plus, cancellation must occur prior to the applicable renewal date.\u003c/div\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-184f36a12769447f8ac717ee8e28746e","class":"content-list","meta":{"previousId":"builder-e84d353e3e0a4000ba4fba02ccb99021"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(b) If you cancel after you have made the initial payment to become an Afterpay Plus subscriber or where your subscription has renewed at the end of a term:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-3c7f0257ef77475b884d7aea5e755d1d","class":"content-list","meta":{"previousId":"builder-cfc07db35993479580550c33d93ce739"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(i) subject to your Consumer Rights, circumstances where there may be any failure to generate or add the Afterpay Plus Card to your digital wallet following your payment to us, our liability to you for our breach of these Terms or as otherwise reasonably agreed between you and Afterpay, you will not be refunded any amounts paid for this Afterpay Plus subscription regardless of whether you have used any Afterpay Plus benefit during this term - this does not affect your rights to a refund or our liability to you pursuant to: your Consumer Rights; circumstances where there may be any failure to generate or add the Afterpay Plus Card to your digital wallet following your payment to us; or our breach of these Terms.\u0026nbsp;It is also subject to any express rights of refund under these Afterpay Plus Terms or where Afterpay otherwise agrees to provide a refund; and\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(ii) you will continue to receive the benefits of Afterpay Plus for the remainder of the applicable term, but will not have access to any such benefits for the following term. With respect to Afterpay Plus Card, you will lose the associated benefits and the card in your digital wallet will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3 above.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"50px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-a2a15675795d4cfbb92400591f5a11a4","class":"content-list","meta":{"previousId":"builder-184f36a12769447f8ac717ee8e28746e"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(c) Afterpay may cancel your Afterpay Plus subscription for the following reasons:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-eac065e28a074b65b43fc63b751d883c","class":"content-list","meta":{"previousId":"builder-3c7f0257ef77475b884d7aea5e755d1d"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(i) If your Afterpay Account is closed in accordance with these Terms for any reason;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(ii)You have failed to pay any amount when due;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iii)Afterpay reasonably considers it necessary to do so in order to protect the integrity of our systems or the Products, prevent fraud, limit the risk of money laundering or terrorism financing arising from your use of Afterpay Plus, or otherwise protect us against any legal, regulatory or non-payment risk (whether at an Afterpay Account level, portfolio level or part of portfolio level);\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(iv)Afterpay reasonably suspects, or is aware, that you are otherwise using Afterpay Plus in material breach of these Afterpay Plus Terms, these Terms or any applicable laws or regulations; or\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(v) Afterpay is required or instructed to do so by a regulator, enforcement officer or court of law (including to protect the program in either of the circumstances above).\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"50px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-3620583134aa427085b70ff41cb76238","class":"content-list","meta":{"previousId":"builder-a2a15675795d4cfbb92400591f5a11a4"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(d) If we do not provide you prior notice of cancellation, we will provide personal notice of such cancellation as soon as reasonably practicable after cancellation.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-9f8b1116f7714c4f9be3a1f7c6e56efd","class":"content-list","meta":{"previousId":"builder-3620583134aa427085b70ff41cb76238"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(e) Once your Afterpay Plus subscription is cancelled by Afterpay, you will lose any associated Afterpay Plus benefits. With respect to the Afterpay Plus Card, this will revert to an Afterpay Card that can be used for in-store purchases with Retailers who offer Afterpay, as outlined in clause 3.3.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-1ebe29fd14cd45e2a51aee4d7498d6b7","class":"content-list","meta":{"previousId":"builder-9f8b1116f7714c4f9be3a1f7c6e56efd"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(f) Once cancellation of your Afterpay Plus subscription is effected, you will not be able to apply for a new Afterpay Plus subscription for at least 12 months from the date of cancellation.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-17ac48ae39ab4881abaa7d99fa1b5819","meta":{"previousId":"builder-428a9986519a4be99005b4d188d9ce61"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e11.7. Suspending your Afterpay Plus subscription\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-b82df2fc525748628d759cc46f46ae74","class":"content-list","meta":{"previousId":"builder-e84d353e3e0a4000ba4fba02ccb99021"},"component":{"name":"Text","options":{"text":"\u003cp\u003e(a) Except as otherwise specified in these Terms, Afterpay may (but is not obliged to) suspend your Afterpay Plus subscription where any circumstances giving rise to a cancellation right for Afterpay has occurred, or we reasonably believe they will occur.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-33b2602000834979aa62b20dfd9adad9","class":"content-list","meta":{"previousId":"builder-b82df2fc525748628d759cc46f46ae74"},"component":{"name":"Text","options":{"text":"\u003cp\u003e(b) During any period of suspension, you will not be charged any new Afterpay Plus subscription fee.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-188661c597794575b822a6fcb76a5c34","class":"content-list","meta":{"previousId":"builder-33b2602000834979aa62b20dfd9adad9"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(c) If we lift the suspension and reinstate your Afterpay Plus subscription, following the reinstatement the Afterpay Plus subscription fee will be charged for each period as set out in the table below in accordance with the applicable scenario:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"30px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Custom Code table 2","id":"builder-55482cdb8fd442cbb6d027d04c9a3b26","class":"table-3","meta":{"previousId":"builder-a5bb6a6c34f6456ca7de9109ab990b2b"},"component":{"name":"Custom Code","options":{"code":"\u003cstyle type=\"text/css\"\u003e\n .tftable {width:100%;border-width: 1px;border-color: #a9a9a9;border-collapse: collapse;}\n .tftable th {background-color:#fff !important; border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;text-align:left;}\n .tftable tr {background-color:#ffffff;}\n .tftable td {border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;}\n p {text-align: left !important;}\n a {text-decoration: underline !important;}\n b{font-family: \"Italian Plate No2 Expanded\" !important;}\n\n\u003c/style\u003e\n\n\u003ctable class=\"tftable\" border=\"1\"\u003e\n \u003ctr\u003e\n \u003cth\u003eScenario\u003c/th\u003e\n \u003cth\u003eFee payment\u003c/th\u003e\n \u003cth\u003ePeriod\u003c/th\u003e\n \u003c/tr\u003e\n\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003e\n (1) Suspension starts and ends within same Subscription Period\n \u003c/p\u003e\n \u003c/td\u003e\n\n \u003ctd\u003e\n Subscription fee paid for Subscription Period in which suspension commences\n \u003c/td\u003e\n\n \u003ctd\u003e\n Each Subscription Period (i.e. no change in billing cycle)\n \u003c/td\u003e\n \u003c/tr\u003e\n\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003e\n (2) Suspension starts and ends within same Subscription Period\n \u003c/p\u003e\n \u003c/td\u003e\n\n \u003ctd\u003e\n Subscription fee not paid for Subscription Period in which suspension commences\n \u003c/td\u003e\n\n \u003ctd\u003e\n Each Amended Subscription Period (i.e. billing cycle adjusted)\n \u003c/td\u003e\n \u003c/tr\u003e\n\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003e\n (3) Suspension ends in a subsequent Subscription Period\n \u003c/p\u003e\n \u003c/td\u003e\n\n \u003ctd\u003e\n -\n \u003c/td\u003e\n\n \u003ctd\u003e\n Each Amended Subscription Period (i.e.billing cycle adjusted)\n \u003c/td\u003e\n \u003c/tr\u003e \n\u003c/table\u003e\n"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","textAlign":"left","marginRight":"auto","paddingBottom":"0px","marginBottom":"25px","marginTop":"25px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-ac1abecafdbf4df9bf7ff9b9a52267e2","meta":{"previousId":"builder-17ac48ae39ab4881abaa7d99fa1b5819"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; 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For the avoidance of doubt, the applicable timezone for all due dates provided as part of a Payment Schedule shall be the applicable timezone in Melbourne, Australia.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003ePlatforms\u003c/strong\u003e means our App, Website and Web Portal, and \u003cstrong\u003ePlatform\u003c/strong\u003e means any of them.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003ePreferred Payment Day\u003c/strong\u003e has the meaning given in clause 4.9.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003ePreferred Payment Method\u003c/strong\u003e means the Payment Method you have chosen and nominated as the primary payment method in the App or Web Portal from time to time, which will be pre-selected when you place an Order.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eProducts\u0026nbsp;\u003c/strong\u003emean the payment products and associated services offered by Afterpay from time to time.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eRecurring Payment \u003c/strong\u003emeans\u003cstrong\u003e each \u003c/strong\u003earrangement made between you and a Retailer or Afterpay for your Afterpay Account to be used for any recurring payments, which may also be described by a Retailer or Afterpay as subscriptions, billing agreements, pre-authorised payments, fixed recurring payments, flexible recurring payments or any reasonably similar term.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eRetailer\u0026nbsp;\u003c/strong\u003emeans an online or in-store merchant with which Afterpay or an Afterpay Affiliate has a merchant agreement and whose goods or services may be purchased by you using our Products.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eSelected Payment Method\u003c/strong\u003e\u0026nbsp;means the Payment Method that you have selected for an Order, which you may update from time to time.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eSpend Cap\u003c/strong\u003e means a self-imposed maximum limit on the total amount that you can spend with Afterpay.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eTerms\u003c/strong\u003e\u0026nbsp;means these terms and their schedule, as amended from time to time.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eThird Party Goods\u003c/strong\u003e\u0026nbsp;means goods or services supplied by a Third Party Supplier that may be purchased through the App or Web Portal using the Products.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eThird Party Supplier\u003c/strong\u003e\u0026nbsp;means our third party supplier of Third Party Goods.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eWeb Portal\u0026nbsp;\u003c/strong\u003emeans the web-based application where we make certain features of our Products available to you, via \u003ca href=\"http://www.secure-afterpay.com.au\" rel=\"noopener noreferrer\" target=\"_blank\"\u003ewww.secure-afterpay.com.au\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eWebsite\u0026nbsp;\u003c/strong\u003emeans \u003ca href=\"http://www.afterpay.com\" rel=\"noopener noreferrer\" target=\"_blank\"\u003ewww.afterpay.com\u003c/a\u003e and any other website operated by Afterpay.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cstrong\u003eyou\u003c/strong\u003e\u0026nbsp;or\u0026nbsp;\u003cstrong\u003eyour\u003c/strong\u003e\u0026nbsp;means the person identified when an Afterpay Account is created. If:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"24px","height":"auto","marginBottom":"10px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-ec44124a63ec4169b0d882f4a051d655","class":"content-list","meta":{"previousId":"builder-94be7a70bd96426aa49d8216fcfb6b2c"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(a) such person does not exist, or\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(b) the name or details are used by someone who is not in fact that person, or\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(c) is otherwise provided dishonestly or fraudulently, then you or your means the person who clicks to accept these Terms.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-cb5e6de646314c2e9dcad82e5eb6705a","meta":{"previousId":"builder-5e1c5c8dda774ecb9b0f0afaeffe98a2"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e12.2. Interpretation\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-f0fbb8e15e394b40a259d20696cd65e1","class":"content-list","meta":{"previousId":"builder-1bc4b932748c4501826417be97724dd2"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(a) Headings contained in this document are for reference purposes only.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(b) A reference to a clause is a reference to a clause in this document, unless specified otherwise.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"20px","marginTop":"0px","paddingLeft":"20px"}}}],"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","maxWidth":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Billing Agreement and Automatic Payments","id":"builder-b69423eaf464415185cb3d56bb9333d2","class":"container","meta":{"previousId":"builder-bfa77119ac72495591d514a1d1b0b43e"},"children":[{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-f8cbc81c5716464b803d76dd7883db26","meta":{"previousId":"builder-75c9062154f7428099650a636192b5ea"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003cstrong\u003eSCHEDULE 1\u003c/strong\u003e\u003c/p\u003e\u003cdiv style=\"font-size: 1em; text-align: left;\"\u003e\u003cbr\u003e\u003c/div\u003e\u003cp style=\"text-align: left;\"\u003eLate Payments\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-68674c5834f4446f8cd670ee9c96cb0b","class":"content-list","meta":{"previousId":"builder-2b77843c4dbb481a836c9871eba5bf49"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e(1) If you fail to pay any amounts according to the Payment Schedule, Late Fees will apply on each payment that is due but not received. For the avoidance of doubt, Late Fees will not be applied until the day immediately following the day that the payment is due.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e(2) We may, at our sole discretion, reasonably delay the application of, or waive wholly or partly, any Late Fee. If Late Fees are or may be incurred as a result of Afterpay’s error, please let us know, and we will waive or refund such fees, as relevant.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-8917acfcac5249199a2758a3521c891e","meta":{"previousId":"builder-0b167df8cca7440bad8cdcf8a573a757"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003eLate Fee:\u0026nbsp;\u003c/p\u003e\u003cdiv style=\"font-size: 1em; text-align: left;\"\u003e\u003cbr\u003e\u003c/div\u003e\u003cp style=\"text-align: left;\"\u003eAfterpay has introduced caps on Late Fees as set out below:\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Custom Code table 1","id":"builder-e5b19e41ff7d4199a0be38e1c38d989c","class":"table-1","meta":{"previousId":"builder-f92f81e7f536461998b8ad307426c10a"},"component":{"name":"Custom Code","options":{"code":"\u003cstyle type=\"text/css\"\u003e\n .tftable {width:100%;border-width: 1px;border-color: #a9a9a9;border-collapse: collapse;}\n .tftable th {background-color:#b8b8b8;border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;text-align:left;font-weight: 700; font-}\n .tftable tr {background-color:#ffffff;}\n .tftable td {border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;}\n p {text-align: left !important;}\n b{font-family: \"Italian Plate No2 Expanded\" !important;}\n\u003c/style\u003e\n\n\u003ctable class=\"tftable\" border=\"1\"\u003e\n \u003ctr\u003e\n \u003cth\u003e\u003cb \u003eIf you make a request for:\u003c/b\u003e\u003c/th\u003e\n \u003cth\u003e\u003cb\u003ePlease take note:\u003c/b\u003e\u003c/th\u003e\n \u003c/tr\u003e\n\n \u003ctr\u003e \n \u003ctd\u003e\n \u003cp\u003e\n Access\n \u003c/p\u003e\n \u003c/td\u003e\n\n \u003ctd\u003e\n \u003cp\u003e\n We will ask for information to verify your identity.\n \u003c/p\u003e\n \u003cp\u003e\n We will generally provide you with access to this information within 30 days of a request.\n \u003c/p\u003e\n \u003cp\u003e\n However, there may be circumstances where we may deny access to some or all of the requested information, for example where giving access would be unlawful, denying access is required or authorised under Australian law or might prejudice enforcement activity. \n \u003c/p\u003e\n \u003cp\u003eThere is no cost for making an access request, but we may charge reasonable administration costs for retrieval and providing access.\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n\n \u003ctr\u003e\n \u003ctd\u003e\u003cp\u003eCorrection\u003c/p\u003e\u003c/td\u003e\n \u003ctd\u003e\n \u003cp\u003e\n After receiving your request for correction, if we consider that the credit-related personal information we hold about you is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take all reasonable steps to correct this information within 30 days of your request, or a longer period if agreed with you in writing.\n \u003c/p\u003e\n \u003cp\u003e\n Where necessary to resolve your correction request, we may consult with credit reporting bodies or other lenders. If we do not hold the information to be corrected, we will inform you in writing and set out your options. \n \u003c/p\u003e\n \u003cp\u003e\n There is no cost for making a correction request. \n \u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \n\u003c/table\u003e\n"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","textAlign":"left","marginRight":"auto","paddingBottom":"0px","marginBottom":"25px","marginTop":"25px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Custom Code table 2","id":"builder-a5bb6a6c34f6456ca7de9109ab990b2b","class":"table-2","meta":{"previousId":"builder-adecc57f7d684b78a83d8d29e7d0cf00"},"component":{"name":"Custom Code","options":{"code":"\u003cstyle type=\"text/css\"\u003e\n .tftable {width:100%;border-width: 1px;border-color: #a9a9a9;border-collapse: collapse;}\n .tftable th {background-color:#b8b8b8 !important;border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;text-align:left;}\n .tftable tr {background-color:#ffffff;}\n .tftable td {border-width: 1px;padding: 8px;border-style: solid;border-color: #a9a9a9;}\n p {text-align: left !important;}\n a {text-decoration: underline !important;}\n b{font-family: \"Italian Plate No2 Expanded\" !important;}\n\n\u003c/style\u003e\n\n\u003ctable class=\"tftable\" border=\"1\"\u003e\n \u003ctr\u003e\n \u003cth\u003e\u003cb\u003eOriginal Order Value\u003cb\u003e\u003c/th\u003e\n \u003cth\u003e\u003cb\u003eApplicable Late Fee:\u003cb\u003e\u003c/th\u003e\n \u003c/tr\u003e\n\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003e\n $40 or below\n \u003c/p\u003e\n \u003c/td\u003e\n\n \u003ctd\u003e\n \u003cul\u003e\n \u003cli\u003e\n • One Late Fee of 25% of the Original Order Value when you first fail to make a payment in accordance with your Payment Schedule.\n \u003c/li\u003e\n \n \u003cli\u003e\n • No other Late Fee is payable.\n \u003c/li\u003e\n \u003c/ul\u003e\n \n \u003c/td\u003e\n \u003c/tr\u003e\n\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003e\n Above $40\n \u003c/p\u003e\n \u003c/td\u003e\n\n \u003ctd\u003e\n \u003cul\u003e\n \u003cli\u003e\n • For each Order, the aggregate sum of Late Fees will be capped at the lower of 25% of the Original Order Value or $68.\n \u003c/li\u003e\n \n \u003cli\u003e\n • Up to this maximum cap, for each late payment we will charge:\n \u003cul style=\"margin-left:20px\"\u003e\n \u003cli\u003e\n - an initial $10 Late Fee if you fail to make a payment in accordance with your Payment Schedule, plus\n \u003c/li\u003e\n\n \u003cli\u003e\n - a further $7 Late Fee if the late payment remains unpaid 7 days after your payment was due.\n \u003c/li\u003e\n \u003c/ul\u003e\n \u003c/li\u003e\n\n \u003cli\u003e\n • To remain within the maximum Late Fee cap, we may charge partial amounts of the initial $10 Late Fee and the subsequent $7 Late Fee.\n \u003c/li\u003e\n \u003c/ul\u003e\n \n \u003c/td\u003e\n \u003c/tr\u003e\n\u003c/table\u003e\n"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","textAlign":"left","marginRight":"auto","paddingBottom":"0px","marginBottom":"25px","marginTop":"25px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-17361a5514ad4cbdb3ae6c9a896856b7","meta":{"previousId":"builder-1771443d0b6745b3a0779b662bf74405"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003eFor example, a $20 Order will have a maximum of one $5 Late Fee applied, a $108 Order will have up to $27 (25% x $108) of Late Fees applied, and a $500 Order will have a maximum of $68 Late Fee applied. No additional Late Fees will be applied to payments associated with that Order above these amounts.\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003cbr\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003eOther fees or charges: Nil\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"24px","height":"auto","marginBottom":"10px"}}}],"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","maxWidth":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"DEFINITIONS","id":"builder-23f6aba7c38845b4896a8c7a2dd8b7fe","class":"container","meta":{"previousId":"builder-ac2d4676b5ba45a9ac5809faaae7ff39"},"children":[{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-ceb8ff6267db471d812ab676d8c44067","meta":{"previousId":"builder-958fc8c2e75e49b29cd04a2de0801fdb"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003cstrong\u003eAfterpay\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-23135bf570834679b666d7f5fadf6626","class":"content-list","meta":{"previousId":"builder-dd3fc17f7c354df1b53be3363cf23a52"},"component":{"name":"Text","options":{"text":"\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/category-index\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eCategory index\u003c/a\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-au/afterpay-misconceptions\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAfterpay Misconceptions\u003c/a\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/how-it-works\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eHow it works\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/in-app-only\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eSingle Use Payments\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-778d61f81d7342f09e000b27f5603a5a","meta":{"previousId":"builder-39f6fb20ac94493c8aa293b07d958b00"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003cstrong\u003eSupport\u003c/strong\u003e\u0026nbsp;\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-9125ae5f50074f06a280c4c43adf26e1","class":"content-list","meta":{"previousId":"builder-fc71d131b4584750bf1eb7bfe12ed84c"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003ca href=\"https://portal.afterpay.com/au/login-email?next=%252F%253Futm_source%253DAfterpay%2526utm_medium%253Dlink%2526utm_campaign%253DAfterpay%252520Login%2526utm_content%253DFooterNavDirect\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAccount login\u003c/a\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/retailer-resources\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eRetailer resources\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/business\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eFor business\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://help.afterpay.com/hc/en-au\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eHelp\u003c/a\u003e\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-efd7bdad9540412ea5a3ab9738d0a154","meta":{"previousId":"builder-ea2caf3eee78458f964b6281ec661087"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003cstrong\u003eConnect\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-a3052caf0025423897540202a1ade1a3","class":"content-list","meta":{"previousId":"builder-cef6b67b4ce24655b40d30f6c04d0d56"},"component":{"name":"Text","options":{"text":"\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.instagram.com/afterpayau/\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eInstagram\u003c/a\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.facebook.com/afterpay.it/\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eFacebook\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-e241772587eb49cfbbf121eeb93a65b6","meta":{"previousId":"builder-6491dbce5cab4c2798d1b8d79216a956"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003cstrong\u003eAfterpay app\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-417d9ea2065f4947a57750d881ed32a6","class":"content-list","meta":{"previousId":"builder-7e83a694ad21464d9bd3e5085d989890"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003ca href=\"https://play.google.com/store/apps/details?id=com.afterpaymobile\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eGoogle Play\u003c/a\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://itunes.apple.com/app/afterpay/id1230286588?mt=8\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eApp Store\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-a08ca289d37f493f8ad79379213c91aa","meta":{"previousId":"builder-dd6ba0d815d24f08930c9f3d4b973eb4"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003cstrong\u003eCard\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-dd39e51f7e43409abc7b7b4fcda2845b","class":"content-list","meta":{"previousId":"builder-7eeece1855514251807e4480b1535ca0"},"component":{"name":"Text","options":{"text":"\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/afterpay-card\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAfterpay Card\u003c/a\u003e\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/apple-pay\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAfterpay with Apple Pay\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/afterpay-plus-card\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAfterpay Plus\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"0px","paddingLeft":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-08cf90684ca6494aab9398ae53a4f698","meta":{"previousId":"builder-8a1bbc0e7ca641d792186f157fa053c6"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003cstrong\u003eLocation\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-77c28cc94be64f8daf1aad419a5feef8","class":"content-list","meta":{"previousId":"builder-2627630611e7486d9c464b584275d4ac"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e\u003ca href=\"https://investors.block.xyz/overview/default.aspx\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eInvestors\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://newsroom.afterpay.com/\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eMedia\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/business-partners\" rel=\"noopener noreferrer\" target=\"_blank\"\u003ePartner Program\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://corporate.afterpay.com/our-story\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAbout\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://careers.afterpay.com/\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eCareers\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/hardship\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eHardship\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/complaints-policy\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eComplaints\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/responsible-spending\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eResponsible spending\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/financial-wellness\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eFinancial Wellness\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/buy-now-pay-later-code-of-practice-in-australia\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eBNPL Code of Practice\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/target-market-determination\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eTarget Market Determination\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/mobile-app\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eMobile apps\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/business/access\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAfterpay Access\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://developers.afterpay.com/\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eAfterpay API\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://help.afterpay.com/hc/en-au/requests/new\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eContact\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/terms-of-service\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eTerms\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/security\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eSecurity\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp style=\"text-align: left;\"\u003e\u003ca href=\"https://www.afterpay.com/en-AU/covid-19-response\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eCOVID-19 Response\u003c/a\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","height":"auto","textAlign":"left","fontFamily":"ItalianPlateNo2Expanded-Regular, sans-serif","marginBottom":"10px","marginTop":"1px","paddingLeft":"20px"}}}],"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","maxWidth":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"term","id":"builder-0791e93d0417430f92be9d8d4e04c425","class":"container","meta":{"previousId":"builder-7b00a7307bf64e1ead6df2476ab19d10"},"children":[{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"content","id":"builder-6ff9ea9fa400436da9a63646a1fb87e9","meta":{"previousId":"builder-a03bbf625f3d4d699d796c30bc9840cf"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003e© 2023 Afterpay Australia Pty Ltd.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003c/p\u003e"}},"responsiveStyles":{"large":{"display":"none","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","lineHeight":"normal","height":"auto","marginBottom":"10px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"layerName":"Content list","id":"builder-6af478b0f6fc4081805be9639700a888","class":"content-list","meta":{"previousId":"builder-f49ae40f242c46819b00aacf241564fc"},"component":{"name":"Text","options":{"text":"\u003cp style=\"font-size: 1.125em; text-align: left;\"\u003eAfterpay acknowledges the Australian Aboriginal and Torres Strait Islander peoples as the traditional custodians of the land, sea and waters where we live, meet and work. 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