Payment Terms

Payment Terms – Australian Memoirs™

Last updated: 2 July 2025

These Payment Terms govern all financial transactions and billing arrangements for Australian Memoirs™ services, operated by New Quiet Empire Pty Ltd (ABN [Insert ABN]). Australian Memoirs is a registered trademark. This platform is pre-launch. All revenue is being held until company formation is finalised in August 2025. These terms apply to all subscription services, professional memoir writing services, discovery sessions, editing assistance, and additional products offered through our platform.

Payment Processing and Security

Secure Payment Infrastructure: All payments are processed through Stripe, Inc., a PCI DSS Level 1 compliant payment processor, ensuring the highest standards of payment security and data protection.

Accepted Payment Methods:

  • Credit Cards: Visa, Mastercard, American Express, and Discover
  • Debit Cards: All major debit cards with Visa or Mastercard logos
  • Digital Wallets: Apple Pay, Google Pay, and other supported digital payment methods
  • Bank Transfers: Direct bank transfers for larger transactions (professional services)
  • Alternative Payment Methods: Regional payment methods as available through Stripe

Payment Security Measures:

  • PCI Compliance: All payment data processed through PCI DSS Level 1 compliant infrastructure
  • Encryption: End-to-end encryption for all payment transactions and stored payment data
  • Tokenization: Credit card numbers replaced with secure tokens to prevent data breaches
  • Fraud Prevention: Advanced fraud detection and prevention systems monitor all transactions
  • 3D Secure: Support for 3D Secure authentication for enhanced transaction security

Currency and Tax Information:

  • Base Currency: All prices displayed and charged in Australian Dollars (AUD)
  • GST Inclusion: All prices include applicable Goods and Services Tax (GST) where required
  • International Transactions: Foreign exchange rates and international transaction fees may apply for non-Australian payment methods
  • Tax Invoices: Detailed tax invoices provided for all transactions including GST breakdowns
  • Business Purchases: ABN customers may be eligible for different tax treatment as applicable

Subscription Services Payment Terms

Dashboard Access Subscriptions:

Monthly Subscription ($59 AUD per month):

  • Billing Cycle: Monthly billing on the same date each month from initial subscription
  • Automatic Renewal: Subscription automatically renews unless cancelled before renewal date
  • Payment Due Date: Payment due immediately upon subscription and on each monthly renewal date
  • Grace Period: 3-day grace period for payment processing delays before service suspension
  • Failed Payment Protocol: Email notification sent immediately with 7-day cure period before suspension

Annual Subscription ($599 AUD per year):

  • Billing Cycle: Annual billing on the anniversary date of initial subscription
  • Advance Payment: Full annual fee charged in advance at the beginning of each year
  • Automatic Renewal: Subscription automatically renews unless cancelled 30 days before renewal
  • Pro-Rata Refunds: Partial refunds available for unused months if cancelled within 14 days of annual renewal
  • Payment Failure: Annual payment failures result in automatic conversion to monthly billing with notification

Subscription Management:

  • Plan Changes: Subscribers may upgrade or downgrade plans at any time through account settings
  • Billing Adjustments: Pro-rata billing adjustments applied for mid-cycle plan changes
  • Cancellation Rights: Subscriptions may be cancelled at any time with access continuing until end of paid period
  • Reactivation: Cancelled subscriptions may be reactivated at current pricing rates
  • Family Discounts: Multi-user family accounts available with separate billing arrangements

Professional Services Payment Terms

Discovery Session ($49 AUD):

  • Payment Timing: Full payment required at time of booking to secure session appointment
  • Refund Policy: Full refund automatically applied if any memoir writing service tier is subsequently purchased
  • Value Guarantee: Session provides substantial value regardless of subsequent service purchases
  • Rescheduling: Sessions may be rescheduled once without penalty; subsequent changes may incur fees
  • No-Show Policy: Failure to attend scheduled session without 24-hour notice results in forfeiture of payment

DIY Memoir Editing Assistance ($79 AUD):

  • Payment Structure: Full payment required before commencement of editing review
  • Service Scope: One-time review and editing assistance for user-created memoir content
  • Delivery Timeline: Completed review delivered within 5-7 business days of payment and content submission
  • Revision Rights: One round of clarifying questions included; additional reviews require separate payment
  • Content Limits: Service applies to memoir content up to 10,000 words; longer content requires additional payment

Professional Memoir Writing Services:

  • Deposit Requirement: 50% deposit required to secure professional memoir writing services
  • Deposit Payment: Deposit due within 48 hours of service agreement to commence project
  • Balance Payment: Remaining balance due according to agreed milestone schedule or upon project completion
  • Discovery Session Credit: $49 discovery session fee credited against deposit if memoir writing service is purchased
  • Service Tiers: Multiple service tiers available with detailed pricing provided in separate service brochures
  • Custom Quotes: Complex or extensive memoir projects may require custom pricing and payment arrangements

Payment Failure and Collections

Failed Payment Procedures:

  • Immediate Notification: Automated email notification sent immediately upon payment failure
  • Retry Attempts: Automatic retry of failed payments after 3 days and 7 days
  • Account Suspension: Service access suspended after 10 days of non-payment with continued retry attempts
  • Grace Period Communications: Personal outreach during grace period to resolve payment issues
  • Account Termination: Final account termination after 30 days of non-payment with data retention according to policy

Collections Process:

  • Internal Collections: Initial collections efforts handled internally with customer service focus
  • Payment Plan Options: Flexible payment arrangements available for customers experiencing financial hardship
  • External Collections: Persistent non-payment may be referred to external collection agencies
  • Legal Action: Legal action reserved for substantial amounts or cases involving fraud
  • Credit Reporting: Delinquent accounts may be reported to credit agencies as permitted by law

Dispute Resolution:

  • Billing Disputes: Formal process for disputing charges with investigation and resolution within 14 days
  • Chargeback Management: Comprehensive documentation provided for payment disputes initiated through financial institutions
  • Error Correction: Immediate correction and refund for verified billing errors
  • Good Faith Resolution: Commitment to good faith resolution of all legitimate payment concerns

Refund and Credit Policies

Subscription Refund Framework:

  • Monthly Subscriptions: No pro-rata refunds for partial months; service continues until end of paid period
  • Annual Subscriptions: Pro-rata refunds available for unused months if cancelled within 14 days of renewal
  • Service Credits: Alternative to cash refunds for service interruptions or quality issues
  • Processing Timeline: Approved refunds processed within 7-10 business days to original payment method
  • International Refunds: Foreign exchange rates at time of refund processing apply to international transactions

Professional Services Refunds:

  • Discovery Sessions: Full refund available if memoir writing service is subsequently purchased
  • Editing Services: Refunds considered for services not delivered or significantly below promised quality
  • Memoir Writing Services: Refund schedule based on project completion percentage and deliverables provided
  • Deposit Refunds: Partial deposit refunds available before project commencement according to service agreement
  • Satisfaction Guarantee: Quality satisfaction guarantee with revision rights before refund consideration

Credit and Adjustment Policies:

  • Service Credits: Account credits provided for service outages, technical issues, or quality concerns
  • Promotional Credits: Credits from promotional offers applied automatically to account balances
  • Credit Expiration: Service credits expire 12 months from issuance unless used
  • Credit Transfer: Credits generally non-transferable between accounts except for family plan consolidations
  • Credit Refunds: Unused credits may be refunded upon account closure subject to terms and conditions

Pricing and Service Modifications

Pricing Policy Framework:

  • Current Pricing: All current pricing clearly displayed on website and service descriptions
  • Price Change Rights: We reserve the right to modify pricing with appropriate advance notice
  • Grandfathering: Existing subscribers may be grandfathered at current pricing for specified periods
  • Promotional Pricing: Limited-time promotional pricing available with specific terms and conditions
  • Professional Service Quotes: Professional memoir writing service pricing provided through separate detailed proposals

Price Change Notification:

  • Advance Notice: 30-day advance notice for subscription price changes
  • Notification Methods: Email notification to all affected subscribers with clear change explanations
  • Grandfathering Period: Existing subscribers maintain current pricing for minimum 90 days after notification
  • Opt-Out Rights: Subscribers may cancel without penalty during notice period if they object to price changes
  • Professional Services: Professional service pricing changes apply only to new service agreements

Service Modification Rights:

  • Feature Updates: Addition of new features and capabilities may be included at current pricing
  • Service Enhancements: Improvements to existing services provided without additional charges
  • Service Removal: Discontinued features or services with advance notice and alternative solutions
  • Platform Evolution: Ongoing platform development and enhancement as part of subscription services
  • Third-Party Changes: Service modifications may be required due to third-party provider changes

Future Product and Upgrade Payment Terms

Upcoming Dashboard Enhancements: As Australian Memoirs™ platform evolves from Phase One to include additional publishing and production services, the following payment frameworks will apply:

Publishing and Formatting Services:

  • Book Formatting: Professional book layout and design services with separate pricing structure
  • eBook Creation: Digital book conversion and formatting for major eBook platforms
  • Print Book Production: Professional printing services with payment due before production commencement
  • Cover Design: Custom cover design services with revision rights and approval processes
  • ISBN and Registration: Professional book registration and distribution preparation services

Audio and Multimedia Services:

  • Audiobook Production: Professional narration and audio production services
  • Voice Recording: Professional voice-over and narration with multiple voice options
  • Audio Editing: Professional audio editing and enhancement services
  • Distribution Support: Audiobook platform distribution and marketing support
  • Multimedia Integration: Enhanced digital memoir experiences with audio and visual elements

Payment Structure for Future Services:

  • Modular Pricing: Individual service pricing allowing customers to select desired enhancements
  • Package Discounts: Bundled service packages with discount pricing for multiple services
  • Subscription Integration: Some services may be included in higher-tier subscription plans
  • Custom Quotes: Complex or extensive enhancement projects with custom pricing
  • Payment Scheduling: Flexible payment schedules for larger enhancement projects

Late Payment and Interest Charges

Late Payment Policy:

  • Grace Period: 10-day grace period for all payments before late fees apply
  • Late Fee Structure: $25 AUD late fee for payments 11-30 days overdue
  • Escalating Fees: Additional $15 AUD fee for each subsequent 30-day period of non-payment
  • Interest Charges: 1.5% monthly interest on overdue professional service balances over $500 AUD
  • Maximum Fees: Total late fees capped at 25% of original invoice amount

Payment Plan Options:

  • Hardship Assistance: Payment plans available for customers experiencing financial difficulties
  • Extended Terms: Professional service payments may be extended over longer periods with approval
  • Partial Payments: Acceptance of partial payments to maintain service access during financial challenges
  • Interest Waiver: Interest charges may be waived for approved payment plan arrangements
  • Good Faith Negotiations: Commitment to working with customers to find mutually acceptable payment solutions

Account Restoration:

  • Service Restoration: Immediate service restoration upon payment of all outstanding amounts
  • Credit Standing: Good payment history restoration upon resolution of overdue amounts
  • Fee Waiver Consideration: Late fees may be waived for customers with excellent payment history
  • Premium Service Access: Full access to all services restored immediately upon account balance resolution

International Payment Considerations

Foreign Transaction Processing:

  • Currency Conversion: Foreign payments converted to AUD at current exchange rates
  • Bank Fees: International transaction fees charged by issuing banks are customer responsibility
  • Processing Time: International payments may require additional processing time
  • Exchange Rate Fluctuations: Exchange rates determined at time of transaction processing
  • Tax Implications: International customers responsible for local tax obligations and reporting

Regional Payment Methods:

  • Localized Options: Additional payment methods available in major international markets
  • Regional Pricing: Pricing may be adjusted for local market conditions in some regions
  • Compliance Requirements: Payment processing compliant with local regulations and requirements
  • Support Languages: Payment support available in multiple languages for international customers
  • Time Zone Considerations: Payment processing and support available across major time zones

Documentation and Record Keeping

Transaction Documentation:

  • Receipt Provision: Detailed receipts provided immediately for all transactions
  • Invoice Generation: Professional invoices generated for business customers and large transactions
  • Payment History: Complete payment history accessible through customer account dashboard
  • Tax Documentation: GST and tax documentation provided for all applicable transactions
  • Record Retention: Payment records retained for 7 years in compliance with Australian tax law

Account Statements:

  • Monthly Statements: Detailed monthly account statements for subscription services
  • Annual Summaries: Comprehensive annual payment summaries for tax and business purposes
  • Custom Reports: Custom payment reports available upon request for business customers
  • Export Options: Payment data exportable in multiple formats for accounting and tax purposes
  • Audit Support: Complete documentation support for customer audits and tax compliance

Customer Support for Payment Issues

Payment Support Services:

  • Dedicated Support: Specialized customer support for all payment-related inquiries
  • Response Timeline: Payment issue responses within 4 hours during business hours
  • Resolution Commitment: Payment problems resolved within 2 business days where possible
  • Escalation Process: Clear escalation path for complex payment issues requiring senior management review
  • Multi-Channel Support: Payment support available via email, phone, and chat

Self-Service Options:

  • Account Dashboard: Complete payment management through customer account dashboard
  • Payment Updates: Ability to update payment methods and billing information independently
  • Invoice Access: Immediate access to all invoices and payment documentation
  • Dispute Initiation: Self-service dispute initiation for billing questions and concerns
  • Payment History: Comprehensive payment history and transaction details

Contact Information for Payment Matters

Payment Support Contacts:

  • General Payment Questions: billing@australianmemoirs.com.au
  • Payment Disputes: disputes@australianmemoirs.com.au
  • Professional Services Billing: professional-billing@australianmemoirs.com.au
  • International Payment Issues: international-billing@australianmemoirs.com.au
  • Emergency Payment Support: Available through general customer service with priority handling

Business Information: New Quiet Empire Pty Ltd ABN: [Insert ABN] Postal Address: PO Box 387, Morayfield, QLD 4506, Australia Payment Processing Partner: Stripe, Inc.

Customer Service Hours:

  • Business Hours: Monday-Friday, 9:00 AM – 5:00 PM AEST
  • Extended Hours: Payment emergency support available outside business hours
  • Holiday Support: Limited support available during Australian public holidays
  • Response Guarantee: All payment inquiries acknowledged within 4 hours during business days

Agreement and Compliance

By making any payment to Australian Memoirs™, you acknowledge that you have read, understood, and agree to be bound by these Payment Terms. These terms are incorporated into and form part of our broader Terms of Service and legal framework.

Legal Integration: These Payment Terms work in conjunction with our Terms of Service, Privacy Policy, Refund Policy, and other applicable agreements to provide comprehensive legal protection for all financial transactions.

Regulatory Compliance: All payment processing and financial record-keeping conducted in compliance with Australian taxation law, consumer protection legislation, and international payment processing regulations.

Last Updated: 2 July 2025
Next Review Date: January 2026
Document Version: 1.1

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