3. Your Obligations
3.1 It is your responsibility to ensure that there are sufficient clear funds available in the Account to allow a Debit Payment to be made in accordance with the Direct Debit Request.
3.2 If there are insufficient funds in the Account to meet a Debit Payment:
(a) you may be charged a fee and/or interest by Your Financial Institution;
(b) you may also incur fees or charges imposed or incurred by FinClear; and
(c) you must arrange for the Debit Payment to be made by another method or arrange for sufficient clear funds to be in the Account by an agreed time so that FinClear can process the Debit Payment.
3.3 You should check the Account statement to verify that the amounts debited from the Account are correct.
3.4 If FinClear is liable to pay goods and services tax (GST) on a supply made in connection with this agreement, then you agree to pay FinClear on demand an additional amount equal to the consideration payable for the supply multiplied by the prevailing GST rate.