Student Policy - The Career Academy NZ

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Student Policy - The Career Academy NZ
Student Policy

Last updated: 25 October 2018
Contents
Student Policy ......................................................................................................................................................... 1
1. General ............................................................................................................................................................... 3
   1.1     Introduction ................................................................................................................................................ 3
    1.2      Our Tutors ....................................................................................................................................................... 3
    1.3         Student Policy ............................................................................................................................................. 3
2. Admission and Enrolment................................................................................................................................... 4
   2.1 General Provisions .......................................................................................................................................... 4
    2.2             Entry Requirements ................................................................................................................................ 4
    2.3             Cancellation of Enrolment ...................................................................................................................... 5
    2.4         Enrolment provisions for specific student groups ...................................................................................... 5
3. Paying Fees ......................................................................................................................................................... 6
   3.1     Payment methods ....................................................................................................................................... 6
    3.2         Interest-free payment plan ......................................................................................................................... 6
    3.3         Liability for unpaid fees ............................................................................................................................... 6
    3.4         Fees paid by a company or other third-party ............................................................................................. 6
4. Transfers and Course Deferral ............................................................................................................................ 7
   4.1     Course transfers .......................................................................................................................................... 7
    4.2         Course Deferral ........................................................................................................................................... 7
    4.3         Course extension ......................................................................................................................................... 7
5. Refunding Fees ................................................................................................................................................... 8
   5.1     Refund Policy............................................................................................................................................... 8
    5.2         Refunds or cancellations on compassionate or exceptional grounds ......................................................... 8
6. Assessment and Academic requirements ........................................................................................................... 9
   6.1    General Principles ....................................................................................................................................... 9
    6.2         Assessment Guidelines................................................................................................................................ 9
    6.3         Plagiarism .................................................................................................................................................. 10
    6.4         Passes and grades ..................................................................................................................................... 10
    6.5         Restricted Pass .......................................................................................................................................... 10
    6.6         Grading ...................................................................................................................................................... 10
    6.7         Completion of course ................................................................................................................................ 11
    6.8          Moderation .............................................................................................................................................. 11
    6.9         Student assessment appeal process ......................................................................................................... 11
7. Student Support Resources .............................................................................................................................. 12
   7.1     Student add-ons ........................................................................................................................................ 12
8. Comments, complaints and other aspects ....................................................................................................... 12
   8.1   General ...................................................................................................................................................... 12
Appendix 1: Debitsuccess Terms and Conditions ................................................................................................. 13
Declaration ...............................................................................................................................................................

                                                                                       2
1. General
1.1 Introduction

1.1.1   Welcome to The Career Academy, New Zealand’s leading provider of online courses. We are
        excited that you have decided to join us and look forward to a happy and successful partnership
        together.

1.1.2   We aim to provide students with an outstanding online learning experience that will empower
        you to embrace new opportunities and advance your career. We want to ensure that your
        interactions with The Career Academy reflect the values that we place on mentoring, inspiring
        and supporting students through their training.

1.2     Our Tutors
1.2.1   Our tutors work hard to meet the students’ expectations and strive to deliver high quality
        education support.

        The team is led by Global Academic Manager Jessie Nankivell. Jessie is a qualified chartered
        accountant with expertise in course development and certified XERO expert.

1.3 Student Policy
1.3.1   The Student Policy is for students enrolled into online courses with The Career Academy and its
        purpose is to provide a framework that outlines essential and useful information to its students.
        This includes:

            •   To define the responsibilities of the Students
            •   To define the responsibilities of the Academic Team
            •   To define the responsibilities and authorities of The Career Academy
            •   To define the rules and regulations of The Career Academy

1.3.2   The Student Policy is created for the purpose of ensuring students with The Career Academy are
        treated fairly and equitably.

1.3.3   The Career Academy is committed to providing a high-quality learning environment and all
        policies are intended to be inline with relevant New Zealand legislation.

1.3.4   Students will be sent an electronic copy of the student policy, and this must be accepted before
        enrolment is confirmed.

                                                    3
2. Admission and Enrolment
2.1     General Provisions

2.1.1   If you are a domestic student (as defined in section 159 of the Education Act 1989) on
        acceptance by the Career Academy of your application for enrolment, a binding agreement shall
        arise between you and The Career Academy, which shall be governed by the laws of New
        Zealand. By placing an order on The Career Academy New Zealand website, you confirm that
        you are a domestic student who is a New Zealand citizen or holds a residence class visa.

2.1.2   Students will need to send through supporting documentation of their residency or citizenship
        and a current form of photo identification if requested.

2.1.3   A photo identification can be one of the following documents:

          •   New Zealand Passport
          •   A current form of photo ID such as Driver’s License, Passport Photo Page or HANZ18+
              card with either a copy of:
                  o Visa Stamp Page
                  o Citizenship Certificate
                  o New Zealand Birth Certificate
          •   Australian Passport and New Zealand proof of Residential Address.
          •   Australian Birth Certificate and proof of New Zealand Residential Address.
          •   Passport and Australian Residency Stamp Page with proof of NZ Residential Address

        If your passport has expired send it alongside another current photo ID. This will need to be
        verified by a Justice of the Peace or someone of similar authority.

        Please note: on occasion the company may require further documentation before enrolment
        can be confirmed for quality control purposes.

2.1.4   Enrolment is confirmed once the student receives their login details through a welcome email.
        The student has deemed to have received the email at the end of the day and will be their
        enrolment date.

2.1.5   If you are an international student (not being a domestic student as defined in section 159 of
        the Education Act 1989), we will refer you to one of The Career Academy’s international
        counterparts for processing such as Career Academy Australia PTY Ltd. One of our team may
        contact you to verify your immigration status – please ensure you can provide us with a copy of
        your passport and your visa.

2.2 Entry Requirements
2.2.1   In order to be considered for enrolment at The Career Academy, a student must be eligible
        person as defined in section 224 of the Education Act 1989.
2.2.2   There are no academic prerequisites for The Career Academy courses, however in order to be
        considered for enrolment at TCA a student must meet English proficiency requirements (IELTS
        5.5 or above). Please ensure you’ve advised the team if there are Medical Conditions or other
        problems that may prevent you from completing the course.

                                                    4
2.2.3   As an online education provider, The Career Academy does have minimum technical
        requirements; before signing up to commence their course students will need to ensure they
        have Microsoft Office and access to a reliable computer. Without Microsoft Office students will
        be unable to open or submit their assignments.

2.3 Cancellation of Enrolment

2.3.1   If a student would like to cancel their enrolment, or downgrade their course, they must email
        the cancellation request to info@careeracademy.co.nz. If a student is within their 8 day cooling
        off period, they will receive contact from the team within 3 working days. If outside, they will
        receive contact within 10 working days.

2.3.2   To be eligible for a refund of the course fees the student must meet the following conditions:

          •   To receive a full refund of the course fees the student must submit their cancellation
              request within 8 days of the enrolment date. The enrolment date is the date the student
              receives their Welcome email and Learning Platform login details as defined in section
              2.1.4. Refunds will only be processed on 20th of each month.
          •   A student will be liable to pay the full amount of the course fees if they cancel after 8
              days of enrolment.

2.3.3   The student can appeal the full payment of fees if there are mitigating circumstances and their
        appeal will be reviewed by the senior leadership team. Their decision will be final, and no
        further consideration will be given to the student’s appeal.
2.3.4   As an alternative to cancelling students can opt to suspend their course start date for a up to 3
        months, subject to management approval. Payments for the course fees will continue during
        this period. This option is only available after the cooling off period has ended.

2.3.5   The Career Academy may refuse to permit or may cancel the enrolment of students who are not
        of good character (including, but not limited to, having a bad debt history or a history of
        breaching The Career Academy rules or regulations).

2.4 Enrolment provisions for specific student groups
2.4.1   International students (not being a domestic student as defined in section 159 of the Education
        Act 1989) will not be enrolled into The Career Academy New Zealand Company. They will be
        processed via one of The Career Academy’s international counterparts.

2.4.2   Students under 18 not affiliated with their school will need verbal parental consent, a signed
        declaration and proof of support of payment of fees before enrolment in The Career Academy

                                                    5
3. Paying Fees
3.1 Payment methods
3.1.1   Student can pay for their courses via the following methods:

          •   Full online payment by credit card
          •   Full online payment by direct bank transfer
          •   Interest-free payment plan with Debitsuccess

        And will need to confirm on enrolment they have the required authority to operate the relevant
        bank account.

3.2 Interest-free payment plan

3.2.1   If the student has selected an Interest-free Debitsuccess payment plan, they are deemed to
        have accepted Debitsuccess terms and conditions. This includes the addition of a non-
        refundable administration fee. See appendix 1 for the complete T&Cs.

3.3 Liability for unpaid fees

3.3.1   Students who do not pay their fees on time:

          •   authorises The Career Academy to notify any debt collection or credit reporting agency
              upon default by the Customer in regard to any obligation to pay under this Student
              Policy;
          •   agrees to immediately pay the full outstanding balance of the remainder of the payments
              due, including any current arrears, should a default occur prior to student fees having
              been paid;
          •   agrees to pay any and all costs incurred as a result of debt collection including the
              commission, fees and costs charged by any debt collection agency and any associated
              court costs such as Disputes Tribunal fees;
          •   will be referred to Illion (formerly Dun & Bradstreet) 0800 733 707.

3.3.2   The Career Academy will suspend a student’s account if they miss two consecutive payments, or
        their account becomes significantly overdue. It will be at the discretion of the Credit Control
        team when the overdue student can access their course again.

3.4 Fees paid by a company or other third-party

3.4.1   Companies or other third parties, who have confirmed that they are paying a student’s fees by
        producing an order number or a letter confirming payment, are liable for any outstanding fees,
        including where the student withdraws or transfers their enrolment. This applies even if the
        student no longer works for that company.

                                                   6
4. Transfers and Course Deferral
4.1 Course transfers
4.1.1   Students may apply to transfer between courses of equal or greater value within a month of
        enrolment. However, for a student wishing to downgrade their course, the same conditions
        apply as for a course cancellation and is only possible within 14 days of enrolment.
4.1.2   Students can only transfer between courses once. If a student requests a second transfer, or
        wishes to transfer outside of the one month period, it will need to be approved by Senior
        Management and an administration fee, and any difference in course value, will be charged.

4.2 Course Deferral
4.2.1   Students can defer their course start date for up to 3 months once their cooling off period has
        ended, subject to management approval. Payments for the course fees will continue during this
        period.

4.2.2   Students are only allowed to suspend their course once during their studies.

4.2.3   Students enrolled in more than one course can request to have certain courses suspended until
        they have completed their first course.

4.3 Course extension

4.3.1   The courses we offer are designed to be completed within a six, twelve or eighteen month time
        frame depending on the course.

4.3.2   The enrolment date is the date the student receives their Welcome email and Learning Platform
        login details. From that date students have 6 months to complete their Certificate or Diploma in
        Xero or MYOB course and 12 months to complete their Diploma and Pathway courses.
        However, the Administration Pathway, Accounting Pathway, Accounting Technician Pathway for
        Bookkeepers and Accounts Admin & Payroll Pathways are all 18 months.

4.3.3   If students fail to complete their course within the required timeframe their course will be
        suspended in Learning Platform and they will cease to have access to the content. Access will
        resume only after students have paid for a course extension from the student services
        department. As per 2.1.3, we require supporting documentation for all current students, and as
        such an extension will not be applied until satisfactory identification has been received.

4.3.4   Students can either:

          •   Continue in their existing course for a fee, with a 3 month extension, but must accept that
              the existing course may exclude recent updates.
          •   Transfer onto a newer course (if one is available), but the student will have to start their
              studies from the beginning. The student is able to use the 20% returning student discount
              when re-enrolling.

4.3.5   Students will only be eligible for one course extension, unless decided by Senior Management,
        (but can re-enrol as many times as they require), and this will be valid from the day it’s
        processed. The team are always on hand to discuss your progress, but please apply for your
        course extension close to your completion date.

                                                    7
4.3.6   The tutor team will mark assessments within 3 – 5 working days and are unable to cater for bulk
        uploads from students in their last fortnight. The team will only be able to mark 4 assessments
        within the last two weeks of a students’ course.

5. Refunding Fees
5.1 Refund Policy

5.1.1   The following table outlines TCA refund policy

 Circumstances                     Refunds                           Establishment Fee

 Cancellation of course within 8   100% refund of course fees plus         $50 non-refundable
 days of the enrolment date        add-on costs

 Cancellation of course after 8    No refund                                       N/A
 days of the enrolment date

5.2 Refunds or cancellations on compassionate or exceptional grounds

5.2.1   No refunds will be made after the refund periods stated in the above table except on
        compassionate grounds where the student’s ability to study and complete their course has been
        significantly affected by events beyond their control, including but not limited to:

          •   Illness;
          •   Injury; or
          •   Circumstances deemed exceptional by Senior Management

5.2.2   To be considered for a refund on compassionate or exceptional grounds the student must
        provide appropriate documentary evidence. Only refunds up to 70% of total fees will be given if
        approved.

                                                   8
6. Assessment and Academic requirements
6.1 General Principles
6.1.1   Assessments at The Career Academy have been designed to test student’s knowledge of the
        course content in a fair and equitable manner.

6.1.2   It is the student’s responsibility to familiarize themselves with assessment regulations and
        requirements for their course.

6.1.3   Academic integrity is a central philosophy of The Career Academy and we expect our staff and
        students to adhere to our values of honesty, trust, responsibility, fairness and respect when
        engaging in teaching and learning.

6.2 Assessment Guidelines
6.2.1   Assessments submitted by students must be their own work. Our courses are offered on the
        basis of trust, assuming the good intentions, integrity, and moral character of our students. If
        there is a question about whether a student has submitted work that is not their own The
        Career Academy will review the information and decide what action to take.

6.2.2   For each module the students learning will be accessed via a written assessment and/or a quiz.

6.2.3   Tutors will mark the assessment according to marking schedules and the student will receive a
        pass, fail or resubmit required grade for their assessment and a percentage grade for their quiz.

6.2.4   Students are allowed a maximum of three submissions per assessment, to ensure that students
        are diligently working through the course notes, and taking on board the feedback provided by
        the tutor team.

6.2.5   If a student doesn’t pass on their third attempt, their work will be reviewed by the senior
        management team. Depending on the quality of work produced and the students’ progress so
        far to date, they will either:

        1. be able to purchase one more attempt at that specific assignment
        2. need to repurchase the course and begin from topic one if they wish to complete and
           achieve their certificate
        3. be able to receive an “exit qualification”. Rather than re-enrolling or paying for another
           attempt, the student can elect to receive an Academic Transcript of the modules
           completed, or the individual certificates if completing a diploma course.

6.2.6   If students purchase the additional attempt and don’t pass, options 2 and 3 will apply.

                                                    9
6.3 Plagiarism

6.3.1   Plagiarism is not tolerated at The Career Academy and it is the student’s responsibility to
        become aware of The Career Academy rules on plagiarism.

6.3.2   Plagiarism is defined as:

          •   Copy and pasting text directly from The Career Academy course material.
          •   Copy and pasting text or visual images from other resources.
          •   Submitting another student’s work in whole or in part and claiming it is your own work.
          •   Submitting work that has been written by someone else on the student’s behalf.
6.3.3   If a student submits work that is deemed as plagiarized they will be required to resubmit the
        assessment. Students will be given a warning and if they continue to submit work that is not
        their own they will fail their course and will not receive a certificate of achievement.

6.3.4   Students must answer questions using their own words.

6.4 Passes and grades

6.4.1   In courses where a competency is based on an assessment the student will either receive a
        pass, resubmit required or fail grade.

6.4.2   In courses where a competency in based on a quiz the student will either receive a pass or fail
        grade. The pass mark is 80%.

6.5 Restricted Pass

6.5.1   Students who marginally fail an assessment may be considered for a restricted pass or allowed
        one more submission. Restricted passes will not be available for every assessment or course.

6.5.2   It will be at the discretion of management to decide if a student is eligible for a restricted pass.
        The decision will be based on the student’s progress and performance throughout their course.

6.5.3   Students will be granted no more than two restricted passes per course.

6.6 Grading

6.6.1   Tutors aim to grade assignments within 3 - 5 working days. However, it can take longer
        depending on the volume of assessments to mark.

6.6.2   Students will receive an email notifying them that their assessment has been graded.

6.6.3   Students can appeal their final grade if they fail their third attempt within 10 working days of
        receiving their grade. They may apply in writing to have their work and the marking reviewed by
        management.

6.6.4   Should the student have concerns post review by Senior Management the student may request
        to have their work reviewed by an independent external assessor (see 6.9)

                                                     10
6.7 Completion of course

6.7.1   A Certificate of Achievement will be only be issued to students when they have paid their fees in
        full.

6.7.2   Once fees have been paid in full students will be able to access their Certificate of Achievement
        from their Learning Platform. Hard copies can be requested for $10 by emailing
        studentservices@thecareeracademy.com, and will be issued within 10 working days of receiving
        the request.

6.7.3   The Career Academy does not automatically issue Academic Transcripts for its courses however
        upon request we can arrange an overview of a student’s academic achievement with The Career
        Academy.

6.8     Moderation

6.8.1   All summative assessments submitted by students will be subject to internal and external
        moderation.

6.9 Student assessment appeal process

6.9.1   Students are able to appeal any assessment-related decisions, or any aspect of the assessment
        process. Please contact tutor@thecareeracademy.com for the Student Assessment Appeal
        Form.

                                                   11
7. Student Support Resources
7.1 Student add-ons

7.1.1   We are committed to helping improve our students learning experience with products to
        support their studies. These can be purchased via credit card, bank transfer or can be added to
        your payment plan (your weekly payments will not change).
        http://www.careeracademy.co.nz/add-ons/

8. Comments, complaints and other aspects
8.1 General

8.1.1   The Career Academy encourages and welcomes student feedback as we are always aiming to
        improve and growing as a learning institute.

8.1.2   The Career Academy is committed to ensuring the Student Policy stays abreast of relevant
        legislation changes. Please check the website or learning platform regularly for the most up to
        date version.

8.1.2   Complaints can be emailed to our student services and academic management team at
        complaints@thecareeracademy.com.

8.1.3   All complaints will be dealt with by either the tutor manager, sales manager and/or the
        directing manager.

8.1.4    At the end of every course students are encouraged to provide feedback on the course and
        their learning experience. Students should inform our administrator
        (studentservices@thecareeracademy.com) if they would prefer that their feedback was not
        used for marketing purposes

8.1.5   On requesting an Information Pack students will receive a complementary phone consultation
        with a course adviser. Students will also be automatically added to The Career Academy eNews
        database. Students should advise our administrator (studentservices@thecareeracademy.com)
        if they do not wish to receive Career Academy updates.

8.1.6   The Career Academy is not a registered private training establishment for the purposes of the
        Education Act 1989. It does not have accreditation from NZQA to deliver approved programmes
        but instead has accreditation from a number of professional industry bodies such as the New
        Zealand Bookkeepers Association, MYOB, International Council for Online Educational
        Standards, etc. Many of the courses are accredited by ICOES, the International Council for
        Online Education Standards, which guarantees students a high standard of content with
        measurable outcomes from an ethically run training organisation.

                                                   12
Appendix 1: Debitsuccess Terms and Conditions

Introduction                                                       This Contract may be terminated at any time with the
                                                                   agreement of the Facility. The Customer shall not consider
This document outlines the rights and responsibilities you
                                                                   that this Contract has been terminated until such time as
have with regard to the ability of Debitsuccess to directly
                                                                   termination is confirmed in writing to the Customer by
debit your nominated bank account or credit card for any
                                                                   Debitsuccess and/or the Facility to the last address of the
instalments or payments due by you under the terms and
                                                                   Customer that Debitsuccess has on record. Termination of
conditions of this Contract. All communication relating to
                                                                   this Contract will also terminate the instruction to accept
this Contract are to be sent directly to Debitsuccess. All
                                                                   direct debits.
queries regarding the provision of the Services should be
directed to the Facility.
                                                                   Further customer agreements
Definitions                                                        The Customer agrees that:
In this Contract, the words and phrases referred to below
are defined as follows:
                                                                   Change in Facility details – the Customer’s obligations
                                                                   under this Contract are not affected by a reasonable
                                                                   change in the normal location where the Services are
“Commencement Date” means the date that the Facility
                                                                   ordinarily provided, a reasonable change in the location of
provides the Services to the Customer or such other date
                                                                   the Facility’s premises, a change in the ownership of the
as agreed by the Facility and the Customer.
                                                                   Facility, or a change in the name of the Facility; and
                                                                   Rights conditional – the Customer’s rights to the Services
“Contract” means these terms and conditions together               are conditional upon he or she:
with the conditions of instruction to accept direct debits.
                                                                   complying with any rules and conditions of the Facility
                                                                   relating to the Services; and
“Customer” or “you” means the person or party signing              making any payments required under this Contract when
this Contract.                                                     due.
                                                                   Payments

“Debitsuccess” means Debitsuccess Limited: Email:                  As consideration for receipt of the Services, the Customer
customerservice@debitsuccess.com                                   agrees to pay the instalment amount at the agreed
                                                                   payment frequency for the term of this Contract. The
                                                                   Customer may alter the payment frequency and/or day to
“Facility” means the organisation providing the Services           debit by requesting a change with Debitsuccess. However,
and/or its franchisees, as applicable.                             any changes shall not affect the total amount of money
                                                                   the Customer would otherwise be required to pay. Should
                                                                   there be any payments in arrears, the Customer
“Facility Membership Agreement” means any terms,                   authorises Debitsuccess to debit the outstanding balance
conditions and contractual agreements made between the             in order to bring the account up to date. “The balance to
Facility and the Customer.                                         settle in Debit Success reflects the minimum number of
                                                                   payments as per payment schedule and not as per the
                                                                   contractual amount”.
“Services” means the services to be provided by the
Facility pursuant to which this Contract relates. For the
purposes of this Contract, “Services” means an                     Administration Fee
entitlement to use the Services provided by the Facility           A one-off administration fee is payable by the Customer
and does not mean the “actual” use of the Services.                on signing this Contract. The Customer authorises
                                                                   Debitsuccess to add any fees owing under this clause, to
                                                                   the initial instalment to be paid by the Customer (as a
Term                                                               separate payment or otherwise) or to such other
This Contract will commence on the Commencement Date               instalments as Debitsuccess may, at its sole discretion,
and will continue until all instalments and payments due           decide.
have been paid in full, unless terminated earlier in
accordance with clause 4.
                                                                   Late Payment Fee
                                                                   A late payment fee of the amount indicated on the front
Early termination                                                  of this Contract is payable by the Customer to

                                                              13
Debitsuccess for each reversal of a payment initiated by             Entire Agreement
Debitsuccess in accordance with this Contract. The
                                                                     This Contract and the Facility Membership Agreement (as
Customer authorises Debitsuccess to add any fees owing
                                                                     applicable) constitutes the entire agreement,
under this clause to any future instalments paid by the
                                                                     understanding and arrangement (express and implied)
Customer (as a separate payment or otherwise).
                                                                     between the Customer, the Facility and Debitsuccess
                                                                     relating to the subject matter of this Contract, and
                                                                     supersedes and cancels any previous agreement,
Privacy
                                                                     understanding and arrangement relating to the subject
The Customer acknowledges that:                                      matter of these arrangements whether written or oral. In
                                                                     the event of any inconsistency between the terms of this
                                                                     Contract and the Facility Membership Agreement that
Debitsuccess is entitled to store his or her personal                specifically relate to the rights and obligations of the
information (whether received from the Customer, the                 Facility (other than any right to unilaterally vary fees
Facility or otherwise) on its systems, and use it for the            payable), the terms of the Facility Membership Agreement
purposes of administering this Contract, providing its               shall prevail.
products and services, or offering alternative products and
services;
                                                                     Severability
he or she has rights of access to, and correction of, his or
her information under the Privacy Act 1988 (Cth); and                If any provision of this Contract is prohibited, invalid or
                                                                     unenforceable, that provision will be ineffective to the
Debitsuccess (or the Facility) may contact the Customer              extent of the prohibition, invalidity or unenforceability
for any purpose related to the provision of its products             without invalidating the remaining provisions of this
and services.                                                        Contract or affecting the validity or enforceability of that
Liability                                                            provision, unless it materially alters the nature or material
                                                                     terms of this Contract.
The Customer agrees that, to the extent permitted by law,
neither the Facility, Debitsuccess or any of their related
companies, directors or employees will be liable for any             ________________________________________________
direct, indirect, or consequential injury, loss or damage to         _____________________________
the Customer, or to the property of the Customer
whatsoever, arising out of or in relation to this Contract.
                                                                     TERMS AND CONDITIONS OF THE DEBITSUCCESS DIRECT
                                                                     DEBIT REQUEST (DDR) SERVICE AGREEMENT
Debt Collection Action
The Customer:
                                                                     INITIAL TERMS
                                                                     Debitsuccess will debit your nominated account for the
authorises the Debitsuccess to notify any debt collection            amounts and at the frequency of payments as agreed
or credit reporting agency upon default by the Customer              between us on the Debitsuccess DDR Contract, authorised
in regard to any obligation to pay under this Contract;              and accepted by you.
agrees to immediately pay the full outstanding balance of
the remainder of the payments due, including any current
arrears, should a default occur prior to this Contract               CHANGE OF TERMS
terminating;
                                                                     In the unlikely event that the initial terms are to change,
authorises Debitsuccess to add $50 to the outstanding                they can only do so in accordance with your Contract and
debt as its fee for dealing with the default; and                    we must give you at least 14 days’ notice of the changes
                                                                     including if applicable the new amount, new frequency
agrees to pay any and all costs incurred as a result of debt         and next debit date.
collection including the commission, fees and costs
charged by any debt collection agency (approximately 25%
of the outstanding debt).
                                                                     DEFERRING OR STOPPING A PAYMENT
Contracts Privity
                                                                     Should you wish to defer a payment to another date you
The Customer acknowledges that Debitsuccess has been                 must contact Debitsuccess before the date of that
contracted by the Facility to collect the instalments due            payment to request the deferment. Deferments are
under this Contract and the Customer acknowledges that               entirely at the discretion of Debitsuccess and will depend
all rights of the Facility pursuant to this Contract are able        on the length of deferment, the current state of your
to be enforced by Debitsuccess as if it were the Facility,           account and your past history. You may request us to stop
without any involvement on the part of the Facility or the           an individual payment however you will still be liable to
consent of the Customer.                                             make this payment by some other method or your
                                                                     account will become overdue

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ALTERING THE SCHEDULE                                                substantiate the reason for it. If you do not receive a
                                                                     satisfactory response from us to your dispute contact your
Should you wish to alter the payment frequency or Day to
                                                                     financial institution who will respond to you with an
Debit, contact Debitsuccess and we, at our discretion, may
                                                                     answer to your claim within 5 business days if your claim is
be able to make the changes you require. There may be a
                                                                     lodged within 12 months of the disputed drawing, or
fee charged for this service (details of any fees payable can
                                                                     within 30 business days if your claim is lodged after 12
be obtained by contacting Debitsuccess). Any changes
                                                                     months from the disputed drawing.
made will not affect the total amount you would
otherwise have paid over the minimum term of your
Contract.
                                                                     NON WORKING DAY
                                                                     When the day to debit falls on a weekend or public holiday
SUSPENDING THE PAYMENTS                                              the debit will be initiated on the next working day.
Suspension of payments may be possible under the terms
of your Facility Membership Agreement. Payments may be
                                                                     DISHONOURED PAYMENTS
suspended for a minimum of 2 weeks at a time so long as
the total time suspended within the minimum term does                It is your responsibility to ensure that on the due date
not exceed 6 weeks. In order to suspend payments you                 clear funds are available in your nominated account to
should contact Debitsuccess at least 3 days prior to the             meet the direct debit payment. Should your payment be
date of the first suspended payment. There is a charge of            dishonoured, Debitsuccess will debit the amount indicated
$5.00 per week while the contract is suspended unless a              on the front of this Contract with your next payment and
different fee is specified on the front of this Contract. Any        may, if we have not received instructions to the contrary
time spent on suspension will be added onto the minimum              from you, debit both the current due payment and the
term of the Contract so that the sum of the instalments              now overdue payment(s) on the same day. Debitsuccess
payable for the minimum term or number of payments                   may debit other fees or costs involved with debt collection
shall still be payable regardless of any suspension or               in accordance with the terms and conditions of the
suspension charges made.                                             Contract.

CANCELLING THE PAYMENTS                                              ENQUIRIES
You can cancel this Direct Debit Request Authority by                All enquiries should be directed to Debitsuccess and
requesting this of Debitsuccess or your bank. Cancellation           should be made at least 1 working day prior to the next
of the authority to debit your account will not terminate            scheduled debit date.
this contract or remove your liability to make the
payments you have agreed to.
                                                                     YOUR OTHER RESPONSIBILITIES

DISPUTES                                                             In addition to those already mentioned, you are
                                                                     responsible for ensuring that your nominated account is
If you dispute any debit payment, you must notify                    able to accept direct debits. If it is not, it is your
Debitsuccess immediately. Debitsuccess will respond to               responsibility to provide Debitsuccess with a new account
your dispute within 7 working days and will immediately              number
refund the amount of the debit if we are not able to

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Declaration

Your enrolment cannot be processed unless you have agreed to the Student Policy Terms and
Conditions of Enrolment. These apply to every student enrolled with The Career Academy. Read them
carefully before confirming that you have read, understood and accepted them by signing at the end of
this document. It is an offence under the Crimes Act 1961 to make a false declaration.

    •   I have read, understood and accept the terms and conditions noted in this Student Policy
        document.
    •   I accept and agree to abide by the rules and regulations of The Career Academy.
    •   I agree that if I default on any of the terms of the agreement or if the nominated Company
        whom is paying for my course may be passed on for use by a debt collection agency or solicitor.
    •   I understand that I have been given an 8 day right of cancellation from the enrolment date.
    •   I declare the information I have given on this form is true and correct

Declaration – I declare that to the best of my knowledge, the information I have given is true and
complete. I agree to abide by the Student Policy Terms and Conditions of The Career Academy.

Name of Student: _____________________ Signature: _________________________

Date : __________________ Email Address: ___________________________________________

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