This Pre-authorized Debit ("PAD") Agreement lets Topping Courier Inc. ("Topping") take payment for your invoices directly from your bank account. It is made under the rules of Payments Canada (Rule H1). Our payment processor, Rotessa Inc., processes the debits on our behalf.
1. What you authorize
You ("the Payor") authorize Topping, and Rotessa on Topping's behalf, to debit the bank account you provided for the amounts due on your Topping invoices, on or after each invoice's due date. You authorize Topping to also debit the account for any returned-payment fee permitted by law.
2. Type of agreement
- If you set up this agreement as a business, it is a Business PAD.
- If you set it up for personal use, it is a Personal PAD.
3. Variable amounts and notice
The amount of each debit varies with your invoice. We will send you each invoice, showing the amount and the debit date, at least 10 calendar days before the debit. You agree that the invoice email is your notice of the amount and date.
4. Changing or cancelling
You may change or cancel this agreement at any time by contacting us at info@toppingcourier.ca or +1 905 975 6362. We need 30 days' notice to stop debits. Cancelling this agreement does not cancel the amounts you owe us. For a sample cancellation form, or more information on your right to cancel a PAD agreement, contact your financial institution or visit payments.ca.
5. Your recourse rights
You have certain recourse rights if any debit does not comply with this agreement. For example, you have the right to receive reimbursement for any debit that is not authorized or is not consistent with this PAD agreement. To get more information on your recourse rights, contact your financial institution or visit payments.ca.
- Personal PADs: you can ask for reimbursement within 90 calendar days of the debit.
- Business PADs: you can ask for reimbursement within 10 business days of the debit.
6. Confirmation
You confirm that you are the account holder, or that all the signatures needed to authorize debits on the account are given. We will confirm this agreement by email. If we can't debit your account (for example, insufficient funds), we will contact you and the invoice remains payable.
7. Privacy
Your bank details are sent securely to Rotessa and are not kept by Topping, except the last digits so you can recognize the account. See our Privacy Policy.
8. Contact
Topping Courier Inc., 87 Windrow St, Richmond Hill, Ontario L4E 0Y1 · +1 905 975 6362 · info@toppingcourier.ca