Privacy Policy

Upskillonline.com.au PTY LTD. is committed to protecting your privacy and giving you a safe online experience. This Privacy Policy applies to all of the products, services and websites offered by Upskill Online PTY LTD. Sometimes, we may post product specific privacy notices or materials to explain our services and products in more detail. If you have any questions about this Privacy Policy, please feel free to contact us through our website.

Last Updated: 03/03/2020

Advertising Cookie and OPT-OUT

When you are accessing the internet through a web browser, we may use cookies from Facebook, Google (and other advertisers) to improve your online experience, including the display of more relevant ads. Anyone may opt-out of the Google cookie at any time by going to your Google Ad Settings. You may also opt-out of the Facebook cookie at any time by going to your Facebook Ad Settings.

Information We Collect and How We Use It

We may collect the following types of information:

Information you provide – When you sign up with or make a purchase from upskillonline.com.au PTY LTD. we ask you for personal information. We may combine the information you submit with information from other upskillonline.com.au PTY LTD. services or third parties in order to provide you with a better experience and to improve the quality of our services. This won’t occur without your consent unless necessary for site security. This data is retained for as long as you have an active account with upskillonline.com.au PTY LTD.

Cookies – When you visit upskillonline.com.au PTY LTD. we send one or more cookies to your device. We use cookies to improve the quality of our service, including for storing user preferences, improving search results and ad selection, and tracking user trends, such as how people search. upskillonline.com.au PTY LTD. also uses cookies in its advertising services to help advertisers and publishers serve and manage ads across the web and on upskillonline.com.au PTY LTD. services.

Log information – When you access the services of Upskill Online PTY LTD. via browser, application, or other clients, our servers automatically record certain information. These server logs may include information such as your web request, your interaction with a service, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser or your account. These logs are retained for a period of 90 days and are used for anti-fraud and website security purposes. After this time, these logs are automatically deleted.

Traffic information – When you access the services of upskillonline.com.au PTY LTD via browser, application, or other, clients we record certain information using our traffic analysis tool, Google Analytics. This information is stored in an anonymised manner but does include data such as your web request, your interaction with a service, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser or your account. These logs are retained for a period of 12 months and are used for content and marketing planning purposes so that we can improve our content and services. After this time, these logs are automatically deleted.

User communications – When you send an email or other communications to upskillonline.com.au PTY LTD. we may retain those communications in order to process your inquiries, respond to your requests and improve our services. When you send and receive SMS messages to or from one of our services that provides SMS functionality, we may collect and maintain information associated with those messages, such as the phone number, the wireless carrier associated with the phone number, the content of the message, and the date and time of the transaction. We may use your email address to communicate with you about our services or products but never to send you communications that are not related to your purchases or that you haven’t opted into.

Affiliated upskillonline.com.au PTY LTD. services on other sites – We offer some of our services on or through other websites. Personal information that you provide to those sites may be sent to upskillonline.com.au PTY LTD. in order to deliver the service. We process such information under this Privacy Policy.

Third Party Applications – upskillonline.com.au PTY LTD. may make available third party applications, such as plugins, modules or extensions, through its services. The information collected by upskillonline.com.au PTY LTD. when you enable a third party application is processed under this Privacy Policy. Information collected by the third party application provider is governed by their privacy policies.

Location data – Upskill Online offers location-enabled services. If you use those services, Upskill Online may receive information about your actual location (such as GPS signals sent by a mobile device) or information that can be used to approximate a location (such as a cell ID). This data is not recorded without your permission and is not held for any longer than the period required to deliver the specific service.

Other sites – This Privacy Policy applies to Upskill Online PTY LTD ‘s services only. We do not exercise control over the sites displayed as search results, sites that include Upskill Online PTY LTD. applications, products or services, or links from within our various services. These other sites may place their own cookies or other files on your computer, collect data or solicit personal information from you.

In addition to the above, we may use the information we collect to:

Provide, maintain, protect, and improve our services (including advertising services) and develop new services; and

Protect the rights or property of Upskill Online PTY LTD. or our users.

If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.

Upskill Online PTY LTD. processes personal information on our servers in Australia In some cases, we process personal information outside your own country.

Choices

You can use your account on the Upskill Online PTY LTD. website to review and control the information stored in your Upskill Online PTY LTD. account. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some of the Upskill Online PTY LTD. features and services may not function properly if your cookies are disabled.

Information Sharing

Upskill Online PTY LTD. only shares personal information with other companies or individuals outside of Upskill Online PTY LTD. in the following limited circumstances:

We have your consent. We require opt-in consent for the sharing of any sensitive personal information.

If we provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against harm to the rights, property or safety of Upskill Online PTY LTD. its users or the public as required or permitted by law.

If Upskill Online PTY LTD. becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will ensure the confidentiality of any personal information involved in such transactions and provide notice before personal information is transferred and becomes subject to a different privacy policy.

Information Security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data.

We restrict access to personal information to Upskill Online PTY LTD. employees, contractors and agents who need to know that information in order to process it on our behalf. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution if they fail to meet these obligations.

Accessing And Updating Personal Information

When you use Upskill Online PTY LTD. services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes.

We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may also remain in our backup systems for a period of time.

Enforcement

Upskill Online PTY LTD. regularly reviews its compliance with this Privacy Policy. When we receive formal written complaints, it is < Upskill Online PTY LTD. policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between Upskill Online PTY LTD. and an individual

Changes To This Privacy Policy

Please note that this Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes).

For more information please contact us

info@upskillonline.com.au
Or
0423 305 341

Terms of Use

Effective Date: 03/03/2020

These terms and conditions (hereinafter “Terms”) govern Your use of the following website (which is hereinafter referred to as “the Product”): www.upskillonline.com.au.

The Product is owned and operated by: upskillonline.com.au PTY LTD. (ACN 639 800 847)

These Terms constitute a binding contract between You and: upskillonline.com.au PTY LTD. (ACN 639 800 847)

In connection with Your use of the Product, we may also provide You with access to various other content, documentation, materials, information, goods or services. In these Terms, we refer to all of these items collectively as “the Items”.

These Terms will govern Your use of all pages of the Product, as well as Your use of the Items.

If You continue to use the Product, You acknowledge that You have been given the chance to review the Terms. You acknowledge that You understand the Terms and that You agree to be bound by the Terms.

If You do not understand the Terms, if You do not agree to be bound by the Terms, or if You need more time to review and consider the Terms, then You must stop using the Product immediately.

Definitions

“Australian Consumer Law” means the Australian Consumer Law which is contained in the Competition and Consumer Act 2010 (Commonwealth).

“Company IP” includes, but is not limited to, the contents, layout, design, colours, appearance, graphics and imagery of the Product, Content and Materials as well as all copyrights, trademarks, trade secrets, patents and other intellectual property contained in the Product, Content and Materials.

“Content” means any content, writing, images, audio-visual content or other information published on the Product.

“Contract” means these terms and conditions.

“Dispute” means any dispute, controversy or claim arising out of or in relation to these Terms, including any dispute, controversy or claim relating to the existence, validity or termination of these Terms.

“Effective Date” means the date that these Terms come into force.

“Goods” means any or all goods provided by or on the Product.

“Identifying Information” means information provided by You when registering to use the Items, including but not limited to Your name and email address, a user name and a password.

“Items” means any and all of the Product, Goods, Services, Content and Materials collectively.

“Materials” means any materials, information or documentation that We may provide to You in connection with Your use of the Goods or Services or Product including documentation, data, information developed by Us or owned by Us, and other materials which may assist in Your use of Goods or Services or Product.

“Parties” means both You (the user of the Product) and Us (the owner of the Product) collectively.

“Product” means the website including all pages, all sub pages, all blogs, all forums, all other connected pages and all other connected internet content whatsoever, the home page or main page of which is located at: www.upskillonline.com.au

“Services” means any or all services provided by or on the Product.

“Terms” means these terms and conditions.

“Third Party Goods and Services” means Goods and/or Services sold by third parties via the Product or via Third Party Links.

“Third Party Links” means links or references to websites or applications other than the Product, to content other than the Content or to materials other than the Materials, none of which are controlled by Us.

“Us”, “We”, “Our”, “the Company” or “the Owner” refers to upskillonline.com.au PTY LTD.

“Us”, “We”, “Our”, “the Company” or “the Owner” also includes any employees, affiliates, agents or other representatives of upskillonline.com.au PTY LTD.

“You” or “Your” refers to the user of the Product.

“Your Content” means any Content posted to or added to the Product, Content or Materials by You or by somebody authorised by You or doing so on Your behalf.

Innterpretation

In these Terms, unless the context otherwise requires, the following rules of interpretation shall apply:

Words referring to one gender include every other gender.

Words referring to a singular number include the plural, and words referring to a plural include the singular.

III. Words referring to a person or persons includes companies, firms, corporations, organisations and vice versa.

Any obligation on a Party not to do something includes an obligation not to allow that thing to be done.

YOUR AGREEMENT AND REPRESENTATIONS

By continuing to use the Product and the Items You warrant and acknowledge that You have had the chance to review and consider the Terms, that You understand the Terms and that You agree to be bound by the Terms. If You do not understand the Terms or do not agree to be bound by them then you must stop using the Items immediately. We only agree to provide use of the Items to You if You agree to these Terms.

By continuing to use the Product and the Items You represent and warrant to Us that You have legal capacity to enter these Terms.

By continuing to use the Product and the Items You represent and warrant to Us that You have complied with all of these Terms.

AGE RESTRICTION

In order to use the Items, You must be aged at least 16 years.

By using the Items, You represent and warrant that You are aged at least 16 years.

We accept no responsibility or liability for any misrepresentation of Your age.

License To Use Product, Content and Materials

We may provide You with certain other Items in connection with Your use of the Product.

Subject to these Terms, We grant You a licence to use the Product, Content and Materials solely in connection with Your use of the Items. The licence created under these Terms is non-exclusive, limited, non-transferable, worldwide and revocable.

You may not use the Product, Content or Materials for any purpose other than in accordance with the licence that is provided under this clause, and this licence to use the Product, Content and Materials terminates upon Your cessation of use of the Items or upon termination of this Contract.

Sale Of Goods / Services

We may sell Goods or Services or may allow third parties to sell Goods or Services on the Product. If this occurs, then some specific exclusions of liability will apply, as described in the “Exclusion of Liability” clause.

Please refer to Our additional terms and conditions for sale of goods and/or terms and conditions for sale of services as applicable.

Exclusion of Liability

The Product, Content and Materials are provided for general information only and may change at any time without prior notice.

You accept and acknowledge that the Items may contain mistakes, errors and inaccuracies.

c Your use of the Product, Content and Materials is entirely at Your risk. It is Your responsibility to make sure that any Goods, Services, Materials, Content or other information available through the Product suits Your particular purpose.

Neither We, nor any third parties, provide any guarantees or warranties regarding the accuracy, completeness, performance, reliability, timeliness, quality, merchantability, safety, legality or suitability for a particular purpose of the Items.

To the maximum extent permitted by law, We hereby expressly exclude all warranties, guarantees, representations or terms (whether express or implied) except for those expressly set out in these Terms.

To the maximum extent permitted by law, We hereby expressly exclude any liability in relation to the accuracy, completeness, performance, reliability, timeliness, quality, merchantability, safety, legality or suitability for a particular purpose of the Items.

To the maximum extent permitted by law, We hereby expressly exclude any liability in relation to loss of data, interruption to Your business or any damages which are incidental to or arise from such loss of data or interruption to business.

To the maximum extent permitted by law, We will not be liable for any damage, loss, cost or expense including legal costs and expenses, whether direct or indirect, incurred by You in connection with Your use of the Items.

for Goods and/or Services sold by third parties via the Product or via Third Party Links (hereinafter “Third Party Goods and Services”):

You acknowledge and agree that We have no control over those Third Party Goods and Services and that You purchase such Third Party Goods and Services at Your own risk.

You acknowledge and agree that We assume no liability and provide no warranties or guarantees regarding the accuracy, completeness, performance, reliability, timeliness, quality, merchantability, safety, legality or suitability for a particular purpose of Third Party Goods and Services.

III. For any claim You may have against the third party provider of the Third Party Goods and Services (such as the manufacturer or vendor) You agree to pursue that claim directly with that third party provider of the Third Party Goods and Services and not with Us.

To the maximum extent permitted by law, You hereby release Us from any claim related to Third Party Goods and Services including any and all warranty and product liability claims.

Delivery

We may arrange delivery of Physical Goods by courier or by Australia Post. We process deliveries promptly upon receipt of full payment.

Delivery of physical Goods within Australia may take: 3 and 21 business days

Any digital Goods are delivered immediately. You acknowledge and accept that there are inherent risks with downloading any digital Goods. Please contact Us using the details at the end of these Terms if You experience technical problems regarding delivery of digital Goods.

We take no responsibility for Goods that are lost or damaged during delivery.

We may choose in Our sole discretion whether or not to replace Goods which are lost or damaged during delivery.

Any disputes regarding physical Goods which are lost or damaged during delivery should be directly taken up with the relevant courier company or with Australia Post as applicable.

Returns/ Refunds / Repairs

We handle returns, refunds and repairs in accordance with Our obligations under the Australian Consumer Law.
Once students pass the cooling off period of 3 days from the day of enrolment students are liable for the course and the entire course fees.

Indemnity

You hereby indemnify Us (which, for the sake of clarity, also includes any of Our employees, affiliates, agents or other representatives) and You agree to defend Us and to hold Us harmless in relation to any and all claims, suits, demands, actions, liabilities, costs and expenses (including legal costs and expenses on a full indemnity basis) which may arise from or relate to Your use or misuse of the Items. You agree that We may select Our own legal representation and may participate in Our own legal proceedings if We choose.

Termination

We may immediately terminate these Terms at any time, with or without cause.

We specifically reserve the right to terminate these Terms if You breach these Terms in any way.

These Terms terminate automatically if we cease to operate the Product for any reason.

If You have registered for an account with Us, You may terminate these Terms at any time by contacting Us and requesting termination.

At the termination of these Terms, any provisions which would by their nature be expected to survive termination shall remain in full force and effect, including but not limited to Our exclusions of liability as outlined in the “Exclusions of Liability” clause.

Acceptable Use

You agree not to use the Product or the Items for any unlawful purpose or any purpose prohibited under this clause. You agree not to use the Product or the Items in any way that could damage the Product, the Items, or Our general business.

You further agree not to use the Product or the Items:

to harass, abuse, or threaten any other person or to otherwise violate any other person’s legal rights;

to violate any intellectual property rights of Us or of any third party;

III. to upload or otherwise disseminate any computer viruses or other software that may damage the property of another;

to commit any kind of fraud;

to engage in or create any unlawful gambling, sweepstakes or pyramid schemes;

to publish or distribute any obscene or defamatory material;

VII. to publish or distribute any material that incites violence, hatred or discrimination towards any person, group or community;

VIII. to unlawfully gather information about others.

Unauthorised use by You of the Items may be a criminal offence and may give rise to a claim for damages.

Variation Of Terms

You hereby acknowledge and agree that these Terms may be varied or amended from time to time in Our sole discretion. If You continue to use the Product following any such variation or amendment You will be deemed to have confirmed and agreed to the new Terms as varied or amended.

You agree to routinely monitor these Terms and to refer to the Effective Date posted at the top of these Terms in order to monitor any modifications or variations. You further agree to clear Your cache when doing so in order to avoid accessing a prior version of these Terms.

In the event that You fail to monitor any modifications to or variations of these Terms, You agree that such failure shall be considered an affirmative waiver of Your right to review the modified or varied Terms.

Third Party Links

You hereby acknowledge that We may from time to time include links or references to other websites, other content or other materials (hereinafter “Third Party Links”), none of which are controlled by Us.

You hereby acknowledge that these Third Party Links are provided for Your information only and that We do not make any representations, warranties or guarantees as to the accuracy, completeness, performance, reliability, timeliness, quality or suitability for a particular purpose of these Third Party Links. We do not endorse, approve or support these Third Party Links. You use the Third Party Links at Your own risk.

Affiliate Marketing and Advertising

Through the Product and other Items, We may engage in affiliate marketing whereby We receive a commission on or a percentage of proceeds of sales of Third Party Goods and Services that occur through Our Product and other Items.

Through the Product and other Items, We may accept advertising and sponsorships from commercial businesses whereby third parties pay us to advertise on the Product or through Our other Items, or we may receive other forms of advertising compensation.

Changes to Product

You acknowledge and agree that We may, in Our sole discretion, vary, alter, amend, change or update the Content, Materials or the Product at any time.

You acknowledge, agree and accept that the Product may be unavailable from time to time (whether it is unavailable due to maintenance or for any other reason).

You acknowledge, agree and accept that We take no responsibility for, and to the maximum extent permitted by law we shall not be liable in any way for the Items being temporarily unavailable, whether due to reasons within our control or not.

Intellectual Property

The Items contain intellectual property that is owned by Us and/or that is licensed to Us. This includes, but is not limited to, the contents, layout, design, colours, appearance, graphics and imagery of the Product, Content, Materials and Goods as well as all copyrights, trademarks, trade secrets, patents and other intellectual property contained in the Items (hereinafter “Company IP”).

You hereby acknowledge and agree that, as between Us and You, We own all intellectual property rights in the Items and that nothing in these Terms amounts to a transfer of any intellectual property rights from Us to You.

You hereby acknowledge and agree not to use the Company IP for any unlawful or infringing purpose.

You hereby acknowledge and agree not to reproduce or distribute the Company IP in any way, including electronically or via registration of any new trademarks, trade names, service marks or Uniform Resource Locators (URLs) without express written permission from Us.

All of the provisions of this clause in relation to “Intellectual property” shall survive any termination of these Terms.

User Registration

You may be asked to register with Us in order to use or access the Items.

If You register with Us, You may be asked to provide personal details such as Your name and email address, as well as choosing a user name and a password (“Identifying Information”). This Identifying Information will allow You to access the Items.

You acknowledge that You are responsible for ensuring the accuracy of any Identifying Information You provide as part of the registration process.

You agree that You will not share your Identifying Information with any third party and if You discover that Your Identifying Information has been compromised, You agree to notify Us immediately in writing.

You acknowledge that You are responsible for maintaining the safety and security of Your Identifying Information as well as keeping Us informed of any changes to Your Identifying Information.

You acknowledge that providing false or misleading information, or using the Items to further fraud or unlawful activity is grounds for immediate termination of these Terms.

PRIVACY

Through Your use of the Product or other Items, You may provide Us with some of Your personal information. By using the Product or Items, You authorise Us to use Your information in Australia and any other country where We operate.

We take Our privacy obligations very seriously.

Please refer to Our privacy policy for further information about what information We collect, how We use it and store it, and Your rights in relation to it.

Reverse Engineering & Security

You agree not to:

reverse engineer, or attempt to reverse engineer or disassemble any code or software from or on the Items; and

violate the security of the Items through any unauthorized access, circumvention of encryption or other security tools, data mining or interference with any host, user or network.

Spam Policy

You are prohibited from using the Items for the purpose of gathering email addresses and/or personal information from people, companies or other organisations and/or for sending bulk emails or unsolicited emails.

General Provisions

Australian Consumer Law: You may have certain rights, warranties, guarantees and remedies under the Australian Consumer Law, which is contained in the Competition and Consumer Act 2010 (Cth), and these rights, warranties, guarantees and remedies may not be restricted, modified or excluded by Us. Our liability to you is governed solely by these Terms and the Australian Consumer Law.

Applicable law: Your use of the Product and the Items is subject to the laws of Victoria and each party submits to the jurisdiction of the courts of Victoria.

Written communication: In relation to any correspondence or notification which is required under these Terms to be provided in writing from one party to the other party:

such notice is properly given if given to the other party:

by email to an email address that the other party has nominated, acknowledged or used in connection with the use of the Product or other Items.

by facsimile to a facsimile address which the other party has nominated, acknowledged or used in connection with the use of the Product or other Items.

by post to a postal address the other party has nominated, acknowledged or used in connection with the use of the Product or other Items.

such notice is taken to be received:

if sent by email, when the email becomes capable of being retrieved by the recipient at the relevant email address.

if sent by facsimile, at the time shown of correct and complete transmission to the recipient’s facsimile number by the sending machine.

if sent by prepaid post within Australia, five (5) days after the date of posting.

if sent by prepaid post to or from an address outside Australia, twenty-one (21) days after the date of posting.

No assignment: You must not assign, sub-licence or otherwise deal in any way with your rights under these Terms without Our prior written consent.

Severability: If any clause or sub-clause of these Terms is held to be invalid or unenforceable, it is to be read down or severed such that the remaining clauses and sub-clauses will be enforced to the maximum extent possible. In such circumstances, the remainder of these Terms shall continue in full force and effect.

No waiver: In the event that We fail to enforce any provision of these Terms, this shall not constitute a waiver of any future enforcement of that provision or of any other provision. Waiver of any clause or sub-clause of these Terms will not constitute a waiver of any other clause or sub-clause.

Headings for convenience only: Headings of clauses and sub-clauses under these Terms are for convenience only. Headings shall not affect the meaning of any provision of these Terms.

Parties must take all reasonable steps: Each party must, at its own expense, take all reasonable steps and do all that is reasonably necessary to give full effect to these Terms and the events contemplated by them.

Separate agreements: You may have other legal agreements with Us. Those other legal agreements are separate from and are in addition to these Terms. These Terms do not alter, amend, revise or replace the terms of any other legal agreements You may have with Us.

Contact Us

You can contact us about these Terms using the following details:

(E) info@upskillonline.com.au
The following terms and agreements layout the contract of enrolment between:

“Training Provider”

Upskill Online Pty Ltd
ABN: 55 639 800 847
Contact: Damon Kaine – 0423 305 341

And

“The Student”

Any person who has agreed or will agree to the following terms and conditions – all personal information to be provided upon enrolment, either over the phone or in the enrolment form filled out or to be filled out.

By agreeing to these terms, the student:

Understands that they have a 3-day cooling off period which starts from the date and time of their enrolment and if they decide that they do not wish to go ahead, they must contact the training provider in writing within this 3-day period to withdraw.

Students are unable to cancel outside the 3-day cooling off period and are still liable for the entire course fee.

Confirms that they will have access to a computer and internet connection for the duration of their enrolment with us.

Confirms that they have no disabilities, impairments or long-term medical conditions which may affect their training.

Understands that this a short course and not an Australian Qualifications Framework Course.

Agrees that upskillonline.com.au PTY LTD. reserves the right to deduct the total amount in default as required from the account details you have provided, plus default fees, administration fees and potential legal fees.

Understands that if they are late on three or more consecutive payments, they may be liable for the total amount owing plus administration and legal fees incurred by the late payments.

Confirms that they understand the terms and agreements set out in this contract

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