1. The Impact of the Credit Application

1.1 Credit may be extended to you if:

(a) A completed credit application is received from you on terms satisfactory to us; and

(b) Your application is deemed appropriate in our sole discretion.

1.2 You acknowledge that any approved credit under sub clause 1.1 is subject to these Credit Facility Terms. These terms, along with the privacy statement and the Terms and Conditions of Sale (integrated under clause 2), are included in the credit application.

1.3 If you wish to negotiate the terms of the credit facility or any incorporated terms in the credit application, respond to us with marked-up terms, bring these changes to our attention, and obtain our written agreement.

2. Inclusion of our Terms and Conditions of Sale

2.1 By applying for a credit facility with us, you:

(a) Confirm having read and understood our Terms and Conditions of sale, available upon request via email at sales@totalpharmacy.com.au

(b) Acknowledge the integration of our Terms and Conditions of sale into these Credit Facility Terms, applying to trade on your credit facility; and

(c) Agree to be bound by our Terms and Conditions of sale.

3. Payment Terms

3.1 Charges on your approved credit facility must be paid:

(a) Within the timeframe specified by us in writing at the credit facility's establishment; and

(b) Without any deduction or set off.

4. Unauthorized Use of Your Credit Facility

4.1 You are solely responsible for preventing unauthorized use of your credit account. Keep details of your credit facility, including the account number, confidential, treating it like a banking PIN or password.

4.2 If you become aware of, or suspect, unauthorized use of your credit facility:

(a) Notify us in writing promptly via email to sales@totalpharmacy.com.au and

(b) Provide information on the misuse or potential unauthorized use of your credit account.

4.3 You are liable for unauthorized charges unless:

(a) We should have known they were unauthorized; or

(b) You notified us per clause 4.2.

5. Credit Discretion

5.1 Your account will have a credit limit, not to be exceeded.

5.2 We may:

(a) Extend or refuse credit for any reason;

(b) Provide credit beyond your limit; and

(c) Cease further credit, even if the limit is not exceeded.

5.3 We may close your credit facility if unused for six (6) months.

6. Variations

6.1 Your account credit limit may change immediately with written notice.

6.2 If reducing your credit limit would cause default, it won't be considered an event of default.

6.3 We may amend Credit Facility Terms:

(a) With at least fourteen (14) days' written notice; and

(b) The amended terms apply to further supplies after the notice period unless you object in writing within fourteen (14) days.

7. Default

7.1 Your credit facility defaults if:

(a) You fail to pay sums on time;

(b) Account balance exceeds the identified credit limit without sub clause 6.2 applying;

(c) Corporate entities or individuals face insolvency or breach obligations.

7.2 In default, we may:

(a) Temporarily suspend your credit account;

(b) Issue a notice making all charges immediately due, not with standing clause 3; and

(c) Close your credit facility.

8. Waiver

Waiver of any provision requires written confirmation from the affected party.

9. Entire Agreement

11.1 If relying on oral understandings, document them in the Credit Application as per sub clause 1.3.

11.2 These Credit Terms (with all incorporated terms in the Credit Application):

(a) Constitute the entire agreement;

(b) Exclude all implied terms;

(c) Supersede all previous negotiations, understandings, representations, and warranties.

11.3 If a previous credit agreement exists, these Credit Terms vary it, prevailing in case of inconsistency.