Welcome to Deliverix Platform. These Buyer Account Terms & Conditions ("Buyer Terms") govern your creation and use of a buyer account to access vehicle rental services through our marketplace platform.

By clicking "I Accept," creating a buyer account, or authorizing payment agreements, you:

• Confirm you have read and understood these Buyer Terms
• Agree to be legally bound by all provisions
• Accept responsibility for all payment obligations
• Authorize automated payment processing as described

Operator: Deliverix Pty Ltd (ABN: 72 656 095 251)
Registered Office: 19 Domain Drive, Beveridge, Victoria 3753, Australia
Contact: info@deliverix.com.au

If you do not agree to these Buyer Terms, you must not create a buyer account.

1.1 What is a Buyer Account?

A buyer account enables you to rent vehicles from fleet operators on the Deliverix Platform. As a buyer, you:

• Access vehicle listings from fleet partners
• Enter rental agreements directly with fleet partners
• Authorize automated payment processing for rentals
• Maintain transaction history and account records

Critical Understanding: Deliverix is a marketplace platform and payment facilitator. Your rental relationship is with the fleet partner, not Deliverix.

1.2 Deliverix's Role

We Provide:

• Secure payment processing via licensed partners (Zai Australia Pty Ltd, AFSL 527370)
• Automated PayTo payment scheduling
• Transaction recording and receipts
• Platform technology and customer support

We Do NOT Provide:

• Vehicle ownership or rental services
• Insurance or warranties
• Vehicle maintenance or roadside assistance
• Determination of rental rates (set by fleet partners)
• Guarantee of vehicle availability or condition

2.1 Eligibility Requirements

To create a buyer account, you must:

• Be at least 18 years of age
• Hold an active Australian bank account
• Hold a current, valid Australian driver's license
• Provide valid identity verification documents
• Provide accurate, truthful information

2.2 Ineligibility

You cannot create an account if you:

• Are under 18 years old
• Do not hold an Australian bank account
• Cannot provide valid Australian driver's license
• Have been previously terminated for fraud or misconduct
• Provide false or misleading information

2.3 Account Limits

• Each individual may maintain only one buyer account
• Multiple accounts to circumvent restrictions are prohibited
• Account creation is a privilege; Deliverix may decline applications at its discretion

3.1 Registration Process

1. Step 1: Email Registration - Enter email address, receive verification token (24-hour validity), click verification link and create secure password
2. Step 2: Profile Information - Legal name, date of birth, residential address, phone number, driver's license details
3. Step 3: Document Upload - Driver's license (front and back), recent bank statement (within 90 days), formats: JPG, PNG, PDF (max 10MB)
4. Step 4: Bank Account Setup - BSB, account number, account holder name. Details encrypted with AES-256-CBC. Only last 4 digits visible after submission
5. Step 5: Review & Submit - Acknowledge acceptance of terms, submit for review (1-24 hours processing)

3.2 Identity Verification

Required for: AML/CTF compliance, fraud prevention, payment security

Acceptable Documents:

• Primary: Current Australian driver's license
• Secondary: Bank statement (within 90 days)
• Alternative: Australian passport, Proof of Age Card (contact support)

Document Quality: High resolution, clear, legible. All corners visible, no glare or obstructions. No photocopies, screenshots, or expired documents.

4.1 Payment Responsibility

You are responsible for:

• All rental payments owed to fleet partners
• Platform fees charged by Deliverix
• Dishonour fees from failed payments
• Any additional charges per rental agreements

4.2 Payment Authorization

By creating an account, you:

• Authorize Deliverix and Zai to debit your nominated bank account
• Agree to maintain sufficient funds for scheduled payments
• Accept automated payment processing per agreed schedules
• Acknowledge payments cannot be reversed through your bank

4.3 PayTo System

What is PayTo?

• Secure payment system through Australia's New Payments Platform (NPP)
• Real-time authorization via your banking app
• Control over spending limits and schedules
• Ability to pause or cancel in banking app

PayTo Authorization Process:

1. Fleet partner creates payment schedule
2. Authorization request sent to your banking app
3. Review payment details (amount, frequency, recipient)
4. Approve using banking app authentication
5. Manage ongoing via banking app

Important: Canceling PayTo does not end your rental agreement. You must coordinate with fleet partner and arrange alternative payment.

5.1 Fee Structure

Transaction Processing Fee:

• Charged per rental payment
• Covers platform operation, payment processing, support
• Non-refundable except for Deliverix errors

Dishonour Fee:

• Applied when payment fails due to buyer-side issues
• Covers administrative costs and retry attempts
• Not charged if failure caused by Deliverix/Zai error

No Hidden Fees:

• No account creation, maintenance, or closure fees
• No statement, invoice, or support fees
• No dispute lodgment fees

6.1 Information Collected

• Registration Information: Legal name, date of birth, email, phone, address
• Identity Documents: Driver's license, bank statements, government ID
• Financial Information: Bank account details, PayTo records, transaction history
• Account Usage: Login timestamps, IP addresses, device information, platform interactions

6.2 How We Use Information

• Account management and identity verification
• Payment processing and transaction recording
• Service delivery and customer support
• AML/CTF compliance and fraud prevention
• Platform improvement and analytics

We Never Sell Personal Information.

7.1 Your Security Responsibilities

Password Security:

• Create strong, unique password
• Never share password
• Change immediately if compromise suspected

Prohibited Activities:

• Sharing account credentials
• Creating multiple accounts
• Payment manipulation or fraudulent disputes
• Platform abuse or hacking attempts
• Using stolen/unauthorized payment methods

8.1 Payment Failures

Common Reasons:

• Insufficient funds
• Account closed, frozen, or restricted
• PayTo mandate cancelled without alternative
• Payment exceeds authorized limit
• Incorrect account details

Retry Schedule:

• First Retry: 24 hours (original payment + dishonour fee)
• Second Retry: 72 hours total
• Third Retry: 144 hours total
• After all fail: Manual intervention required, possible suspension

8.2 Financial Hardship

Eligibility: Genuine financial difficulty beyond your control (job loss, serious illness, family emergency, natural disaster)

Potential Assistance:

• Waiver/reduction of dishonour fees
• Waiver of platform fees (limited period)
• Extended payment timelines
• Referral to financial counseling

9.1 Australian Consumer Law

These terms do not exclude rights under Competition and Consumer Act 2010:

• Services provided with due care and skill
• Services fit for specified purpose
• Completed within reasonable time
• Charged no more than quoted or reasonable price

9.2 PayTo Framework Rights

• View all active agreements in banking app
• Real-time authorization before activation
• Set spending limits and payment caps
• Pause or cancel in banking app
• Note: No chargeback rights for authorized PayTo payments

10.1 Internal Dispute Process

Step 1: Lodging (Day 0)

• Submit via Dashboard > Transactions > Dispute or email info@deliverix.com.au
• Provide: Transaction reference, explanation, desired outcome, evidence
• Receive tracking reference and acknowledgment within 24 hours

Step 2: Investigation (7-21 Days)

• Resolution Team reviews evidence
• May request additional information (3-day response deadline)
• Updates every 7 days

Step 3: Determination (Within 48 Hours)

• Written decision via email
• Includes reasoning, financial adjustments, appeal rights

10.2 External Dispute Resolution - AFCA

Australian Financial Complaints Authority:

• Website: www.afca.org.au
• Phone: 1800 931 678
• Email: info@afca.org.au
• Post: GPO Box 3, Melbourne VIC 3001

11.1 When We May Suspend

Immediate Suspension:

• Security reasons (suspected unauthorized access, fraud)
• Payment issues (persistent failures, fraudulent disputes)
• Terms violations (false information, prohibited activities)
• Compliance requirements (failed re-verification, AML/CTF concerns)
• Pending investigations

11.2 Voluntary Account Closure

Eligibility:

• No active rental agreements
• No outstanding payments
• No pending disputes
• All PayTo agreements cancelled

No notice period required. No closure fees.

Deliverix Pty Ltd
ABN: 72 656 095 251
19 Domain Drive, Beveridge, Victoria 3753, Australia
Email: info@deliverix.com.au

Business Hours: Monday-Friday, 9:00 AM - 5:00 PM AEST

Payment Processor:
Zai Australia Pty Ltd (ABN: 96 637 632 645, AFSL: 527370)
Website: www.hellozai.com

External Dispute Resolution:
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678 | Website: www.afca.org.au
Email: info@afca.org.au | Post: GPO Box 3, Melbourne VIC 3001