Smoothpay Payment Plan Special Terms

Our Smoothpay Payment Plan is offered to customers in accordance with our General Terms and Conditions (“General Terms”), our Privacy Policy, our Customer Care Policy and the following special terms (“Special Terms”). If there is any conflict between our General Terms and the Special Terms of this Plan, the Special Terms will apply.

1. On this Plan, your annual bill is estimated and divided up throughout the next 12-month period, so that you make regular fixed payments of the same amount on either a weekly, fortnightly or monthly basis (each fixed payment being your "Regular Payment Amount").
2. While on this Plan:
   1. Your Regular Payment Amount must be paid by direct credit from your nominated bank account at the agreed frequency. Smoothpay does not allow payments from a credit or debit card.
   2. We will send you account invoices on a monthly basis – regardless of whether your Regular Payment Amounts are paid weekly, fortnightly or monthly. Each invoice will have an additional line acknowledging that you are on our Smoothpay Payment Plan.
   3. It is important to keep paying your Regular Payment Amount at the agreed frequency. You acknowledge and agree that if your Regular Payment Amounts are not paid on time and your Nova Energy account falls into arrears, then this Plan may be cancelled by us and you may become at risk of disconnection for non-payment (subject to our disconnection process, noting that disconnection for non-payment is always a measure of last resort).
3. Your Regular Payment Amount will be calculated at our discretion, in consultation with you.
   1. If you are an existing customer, your Regular Payment Amount will be calculated based on your total bill amounts from the last 12 months.
   2. If you have been a customer for less than 12 months, your Regular Payment Amount will be calculated based on your average bill amount since you became a customer.
   3. If you have just joined us, your Regular Payment Amount will be estimated based on the information you provide to us during your application process.
4. If you are an energy customer:
   1. Depending on your energy consumption patterns and pricing, your total account charges over the next 12 months may be more or less than the total Regular Payment Amounts paid over this period.
   2. Any account credit balances that develop over periods of lower bills (e.g. during summertime) will generally offset the shortfall that occurs during periods of higher bills (e.g. over wintertime).
5. You may request for a credit balance to be refunded at any time. This will be at our discretion and will be subject to criteria such as the balance of credit on your account (which must be at least $100 for any active account).
6. We will monitor your bill amounts and Regular Payment Amount on a regular basis while you are on this Plan to ensure that these generally align with your energy usage (subject to seasonal changes) and monthly service pricing (which may be subject to change). We will contact you if we think your Regular Payment Amount requires adjustment to keep up with your expected annual bill. You should also review your bill amounts regularly and contact us if you think your Regular Payment Amount should be changed or if you want to change the frequency of payments so that your account does not fall into arrears.
7. You may request to cancel your Smoothpay Payment Plan arrangement at any time. If there is a debt owing on your account at the time of cancellation, this will be included in the opening balance of your next monthly invoice.
8. We reserve the right to change or withdraw this Plan, at any time, without notice.