Effective 1 October 2026

 

These terms apply when a customer nominates a bank account, debit card or credit card for automatic payments to Swim Mechanix Australia Pty Ltd.

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Payments may be processed through an external payment-processing provider integrated with the Swim Mechanix App and Customer Portal.

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Accepting or viewing these terms does not by itself authorise Swim Mechanix to debit a bank account or charge a card. A payment authority applies only when the customer provides or nominates a payment method for automatic payment.

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1. Payment authority

By providing or nominating a payment method for automatic payment, you:

• confirm that you are authorised to use that bank account or card;

• authorise Swim Mechanix and its payment-processing provider to debit or charge amounts properly due under your enrolment or booking;

• authorise payments to be processed on or after the applicable scheduled debit date; and

• agree to ensure that the payment details supplied are complete, current and accurate.
   

The payment authority continues until it is cancelled or replaced and Swim Mechanix and its payment-processing provider have had a reasonable opportunity to act on the change.
 

2. Billing options

Depending on the applicable program, customers may select:

• payment in advance for the term or program period; or

• automatic monthly billing.
   

The selected billing arrangement will continue unless it is changed by agreement with Swim Mechanix or the enrolment is cancelled in accordance with the Swim Mechanix Enrolment and Customer Policies Guide.
 

3. Monthly billing

For customers using monthly billing:

• charges are raised in advance for the following calendar month;

• upcoming monthly charges are ordinarily calculated and added to the account on or around the 15th of each month;

• payment is ordinarily processed on or around the 28th of each month;

• processing dates may vary because of weekends, public holidays, banking days or operational requirements;

• customers must ensure sufficient cleared funds are available before the scheduled debit date; and

• charges are based on the number of regular lessons scheduled during the applicable month.
   

Customers are not charged for public holidays, scheduled program breaks or planned closure periods where no regular lesson is scheduled.
 

4. Term-based billing

For customers paying by the term or another fixed program period:

• fees are charged in advance;

• the applicable payment or debit date will be shown on the account, statement or enrolment information; and

• the nominated payment method may be charged automatically on or after the scheduled debit date.
   

5. Amounts and account credits

The amount charged may vary between billing periods.
 

For monthly billing, the amount is calculated using the number of lessons scheduled during the relevant month. Public holidays and scheduled program breaks for which no lesson is held are excluded.

The amount may also reflect:

• approved changes to an enrolment;

• changes to lesson prices;

• applicable discounts;

• previous underpayments or billing corrections;

• authorised adjustments; and

• account credits.
   

Available account credits will ordinarily be applied automatically before the remaining balance is charged. Credits may include approved credits arising from a lesson cancelled by Swim Mechanix, an extended medical absence or another authorised account adjustment.
 

Swim Mechanix will provide reasonable notice of changes to lesson prices or these payment terms before the change takes effect, including at least 14 days’ notice where required for a bank-account direct debit arrangement.
 

6. Upcoming charge notices and statements

Swim Mechanix may issue an upcoming charge notice, account statement or payment reminder before processing a payment.
 

These notifications are provided as a courtesy. You remain responsible for reviewing your account and paying amounts properly due even if a notification is delayed, filtered, sent to outdated contact details or not received.
 

You are responsible for maintaining current contact and billing information in the Swim Mechanix App or Customer Portal.
 

7. Payment fees

Swim Mechanix does not impose a payment surcharge on accepted debit-card or credit-card payments. Bank EFT debit payments may incur a $0.88 fee per transaction.

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The following failed-payment fees may apply:

• Bank EFT payments $0.88 eachBank-account payment declined or returned unpaid: $6.00

• Debit-card or credit-card payment declined: $2.00
   

Your financial institution or card provider may impose separate fees under its own terms. Swim Mechanix is not responsible for those external charges.
 

8. Failed payments

If an automatic payment is declined or returned unpaid:

• the outstanding amount remains payable;

• the applicable failed-payment fee may be added to the account;

• Swim Mechanix may notify you and request that your payment information be checked or updated;

• the failed amount may be included and reprocessed during the next billing cycle; and

• collection action may be taken where an amount remains unpaid.
   

You may pay an outstanding amount manually through the Swim Mechanix App or Customer Portal before it is reprocessed.
 

If an outstanding amount is paid manually, you should allow reasonable processing time for the account to update before the next scheduled debit.
 

Persistent non-payment may result in suspension or cancellation of the enrolment in accordance with the Swim Mechanix Enrolment and Customer Policies Guide.
 

9. Managing payment methods

Recurring payment methods and payment authorities are managed by the customer through the Swim Mechanix App or Customer Portal.
 

Customers may:

• add an eligible bank account, debit card or credit card;

• replace or update an existing payment method;

• select an available payment method for recurring billing; or

• remove or change a recurring payment method, subject to outstanding payment obligations.
   

Customers may also telephone Swim Mechanix for assistance with managing or changing a payment method.
 

For security reasons, Swim Mechanix staff may direct the customer to complete certain payment-method changes personally through the App or Customer Portal.
 

The recurring payment arrangement is between the customer and Swim Mechanix, facilitated by an external payment-processing provider. Swim Mechanix does not establish or manage an arrangement between the customer and their financial institution.
 

10. Cancelling or changing a payment authority

You may change or revoke a recurring payment authority through the Swim Mechanix App or Customer Portal or by contacting Swim Mechanix.

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You may also contact your financial institution regarding a debit from your bank account. However, stopping a bank debit or card payment through your financial institution does not notify Swim Mechanix that you wish to cancel the underlying enrolment.
 

A request to change or cancel a payment authority should be made with sufficient time for Swim Mechanix and its payment-processing provider to act before the next scheduled payment.
 

Cancelling a payment authority does not:

• cancel the swimmer’s enrolment;

• cancel fees already charged or due; or

• remove the obligation to pay fees payable before the enrolment cancellation takes effect.
   

11. Cancelling an enrolment

To cancel an enrolment and prevent future enrolment charges, you must:

• submit a Student Enrolment Drop Request through the swimmer’s enrolment in the Swim Mechanix App or Customer Portal; or

• provide written notice to Swim Mechanix through the approved Contact Us form or by emailing hello@swimmechanix.com.au.
   

Valid cancellation notice must be received at least 48 hours before the next scheduled debit date.
 

Stopping, removing or disputing an automatic payment does not constitute notice of enrolment cancellation.
 

Enrolment cancellations are governed by the Swim Mechanix Refunds and Cancellations Policy and Enrolment and Customer Policies Guide.
 

12. Payment disputes

If you believe a payment has been processed incorrectly, contact Swim Mechanix promptly and provide:

• your name and account details;

• the payment date and amount;

• the reason for the dispute; and

• any relevant supporting information.
   

Swim Mechanix will review the payment and may consult its payment-processing provider.
 

For a bank-account debit, you may also contact your financial institution. If a payment was properly due under the enrolment, disputing or reversing it does not remove the obligation to pay the outstanding amount.
 

13. Privacy, confidentiality and payment security

Payment and personal information will be handled confidentially and used only as reasonably necessary to:

• administer and process payments;

• maintain customer accounts;

• investigate declined or disputed transactions;

• prevent fraud or unauthorised use; and

• comply with legal and regulatory obligations.
   

Payment details are securely stored and processed through the Swim Mechanix customer-management platform and its external payment-processing provider.
 

Swim Mechanix staff cannot view complete bank-account or card details. Staff can ordinarily view only limited information needed to identify and administer the payment method, such as the payment type, card brand, expiry date or partial account or card identifier.
 

Information may be disclosed to the applicable financial institution, payment processor, software provider, professional adviser or service provider where reasonably required to administer payments, resolve a dispute, prevent fraud or comply with law.
 

Personal information is otherwise handled in accordance with the Swim Mechanix Privacy Policy.
 

14. Your responsibilities

You are responsible for:

• providing accurate payment information;

• ensuring you are authorised to use the nominated payment method;

• keeping payment and contact details current;

• reviewing upcoming charges and account statements;

• notifying Swim Mechanix promptly of any apparent error;

• ensuring sufficient funds or credit are available before the scheduled debit date; and

• paying amounts properly due under your enrolment.
   

15. Contacting Swim Mechanix

Questions about billing, automatic payments or payment methods may be directed to Swim Mechanix:

• through the Swim Mechanix App or Customer Portal;

• through the Contact Us form on the Swim Mechanix website;

• by emailing hello@swimmechanix.com.au; or

• by telephone during operating hours.
   

These terms apply to automatic payments scheduled on or after 1 October 2026.