- My-Oath allows you to pay for your purchase with weekly instalments over 12 weeks.
- You must be over 18 years old and be the authorised holder of an Australian Bank Account and/or Debit or Credit Card.
- All orders are subject to My-Oath’s approval – for example, if you have any overdue payments, My-Oath will not be available to you.
- As part of our approval process, we may conduct a pre-authorisation on your nominated card, up to an amount of your first instalment
- If you won’t be able to pay us on time, please contact us as soon as possible.
- The delivery/quality of goods and all refunds is the responsibility of the Registered and Licenced Trades Person from whom you make the purchase.
1.1 Parties to this Agreement
This Agreement is a contract between you (‘you’ or ‘your’) and Mikus Enterprises Pty Ltd (Trading as My Oath) ACN 617 384 228 (‘’My-Oath, ‘we’, ‘us’, ‘our’). It sets out the terms and conditions that apply to your use of our Products. You agree that your acceptance of these terms and conditions, and ongoing use of our Products, shall constitute your acceptance of this Agreement.
If you do not want to be bound by this Agreement, you must not make a purchase using My-Oath Services.
1.2 Policies incorporated into this Agreement
We recommend that you store or print a copy of this Agreement (including all policies) for your records. To the extent of any inconsistency between this Agreement and any incorporated policy, the incorporated policy will prevail.
1.3 Changes to this Agreement
(a) My-Oath may amend this Agreement at any time for any reason including, for example, if we change the functionality of our Products and Services, introduce new products or services, or as required by law. We will post the amended Agreement on our Website. Please read this Agreement carefully each time you agree to its terms when placing an Order. If you do not agree with the changes, do not place any further Orders using the My-Oath Products or Services.
(b) We will not change any terms and conditions for an existing Order that has been accepted by us; the terms and conditions that will apply to an accepted Order are the terms and conditions that applied at the time you made the Order.
- Our relationship
2.1 About us
(a) Our Services allow you to buy goods or services offered by Registered and Licenced Trades People
(b) By placing an Order with a Registered Trades Person and using our Products or Services, you provide us with unconditional and irrevocable consent and direction to pay the Trades Person on your behalf in exchange for your agreement and obligation to repay or pay to us, as principal debtor, in accordance with this Agreement the agreed amounts and on the dates outlined in your Payment Schedule, plus any additional applicable Fees.
(c) You acknowledge that we do not have any control over, and are not responsible or liable for, the products or services purchased from Registered Trades People paid for with our Service. We cannot ensure that a Registered Trades Peron you are dealing with will complete the transaction.
(d) My-Oath does not:
(i) Enter into a partnership, joint venture, agency or employment relationship with you;
(ii) Guarantee the identity of any Trades Person;
(iii) Determine if you are liable for any taxes; or
(iv) Collect or pay any taxes on your behalf that may arise from your use of our Services.
2.2 Your Consumer Rights
As a consumer, you have certain rights under consumer protection legislation (Consumer Rights). These Consumer Rights include:
(i) statutory guarantees under the Australian Consumer Law that goods and services will be of acceptable quality, match their description and be fit for any purpose made known to the consumer, and that services supplied will be provided with due care and skill and be reasonably fit for any specified purpose. When a statutory guarantee is breached, consumers are entitled to a range of remedies including, in some cases, damages for reasonably foreseeable losses; and
(ii) non-excludable implied warranties that financial services will be provided with due care and skill and that the services and any materials supplied in connection with them will be fit for any specified purpose.
Nothing in this Agreement is intended to exclude, restrict or modify any of your Consumer Rights, including by limiting our liability or imposing liability on you in a manner which would be considered unfair under the relevant consumer protection laws.
2.3 No warranty
(a) We do not give any express warranty or guarantee as to the suitability, reliability or availability of our Services or Products, or of the content on our Website.
(b) Subject to your Consumer Rights set out in clause 2.2, we do not give any implied warranties or guarantees.
(c) Except as required by law, we do not guarantee continuous, uninterrupted or secure access to our Products and Services, and we make no representations or warranties regarding the amount of time needed to complete processing of Orders or payment transactions.
2.4 Your eligibility
(a) To be eligible to use our Services you must:
(i) be an individual who is at least 18 years old;
(ii) be capable of entering into a legally binding contract;
(iii) have a valid and verifiable email address and Australian mobile telephone number;
(iv) provide a valid delivery address in Australia; and
(v) have access to a Payment Method, for example by having an Australian Bank Account.
(b) By entering into this agreement, you represent and warrant that you are eligible to use our Service.
2.5 Transfers or assignments
(a) You cannot transfer or assign any rights you may have under this Agreement without our prior written consent, which must not be unreasonably withheld.
(b) We may transfer or assign this Agreement, and any right under this Agreement, to a third party without notice to you or your consent unless the assignment will detrimentally affect your rights under the Agreement (in which case we will seek your consent prior to assignment, which consent must not be unreasonably withheld). You agree that we may appoint third party collections agencies to collect any amounts owing to us under this Agreement without your consent. For the avoidance of doubt, you acknowledge that no assignment by us to another person of any amount you owe to us will require your consent or notice to you.
- Your My-Oath Account
3.1 Creating your My-Oath Account
(a) We will create your My-Oath Account when you place your first Order with any of our Registered Trades Person. You may also create your My-Oath Account by visiting the My-Oath Website.
(b) Once your My-Oath Account is created, you will be prompted to choose and enter a secure password. You may subsequently access your My-Oath Account, using your secure password, through our Website.
(c) You are responsible for maintaining the security of your My-Oath Account details. We will not take responsibility for unauthorised access and use of your My-Oath Account unless we have failed to take reasonable steps to prevent such unauthorised access or use.
(d) You acknowledge and agree that if a person places an Order with a Registered Trades Person by using your My-Oath Account (whether with or without your authorisation), that person will be deemed to be you for the purposes of this Agreement and that will not (subject to clause 3.1(c)) affect your obligations under this Agreement, regardless of whether:
(i) we are or at any time become aware of that or the use of your My-Oath Account not being authorised by you;
(ii) there is a dispute, breach, defect or other issue in relation to the Order, the products or services subject to the Order or the associated sales contract or any other agreement between that person and the Registered Trades Person; or
(iii) any rights or claims that we or the Registered Trades Person may have against that person.
3.2 Your obligations to us as a holder of an My-Oath Account
By holding an My-Oath Account with us, you agree that you must:
(a) Pay any applicable Fees associated with your use of our Products and your My-Oath Account;
(b) Not provide us with any information that is false, inaccurate or misleading;
(c) Ensure any information about you, including your contact details, is true, current and complete. If your information changes, you must update it through your My-Oath Account via our Website;
(d) Provide to us in a timely manner all documentation relating to your identity, if requested by us;
(e) Not use your My-Oath Account or our Products or Services for any unlawful, fraudulent or improper activity;
(f) Cooperate fully with us to investigate any suspected unlawful, fraudulent or improper activity on your My-Oath Account;
(g) Be aware of and pay any taxes that may apply to your use of our Products or Services;
(h) Not permit others to use your My-Oath Account, or allow anyone else to have or use your account password details;
(i) Not use any technology (device, software or hardware) to damage, intercept or interfere with our Products or Services;
(j) Immediately contact us if you believe that your My-Oath Account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity or security breach;
(k) Not create liability for us or cause us to lose (in whole or in part) the services of our Registered Trades Person;
(l) Authorise us to disclose Card-related profile and purchase behaviour information to third parties (including, without limitation, Visa and MasterCard) for the purpose of eliminating fraud and illicit behaviour; and
(m) Not open or use more than one My-Oath Account.
3.3 Closing your My-Oath Account
(a) You may request to close your My-Oath Account by contacting us directly. You may only request to close your My-Oath Account if:
(i) all amounts owing to us by you (including any Late Fees) have been paid in full to us; and
(ii) no disputes or refunds are in progress.
(b) You may not close your My-Oath Account to evade investigations of any nature.
(c) We may close your My-Oath Account for any reason, within our reasonable discretion. This Agreement will continue to apply to any Orders accepted prior to such closure until all amounts owing are received in full (including any Late Fees).
(d) Except as otherwise stated, this Agreement will be terminated once your My-Oath Account is closed. However, you will remain liable for all outstanding obligations related to the My-Oath Account even after it has been closed.
(e) We may immediately limit your access to our Products and Services or suspend or close your My-Oath Account where we have reasonable cause to do so including, without limitation, where:
(i) we reasonably consider it necessary to do so in order to:
(A) protect the integrity of our systems or the Products and Services;
(B) prevent fraud;
(C) limit the risk of money laundering or terrorism financing; or
(D) otherwise protect us against legal, regulatory or non-payment risk;
(ii) you do not pass our verifications or checks, including our pre-authorisation check;
(iii) we reasonably suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement by the payment due date); or
(iv) we otherwise reasonably consider the activity associated with the My-Oath Account to be suspicious.
(f) We will use our best efforts to provide written notice to you before closing your My-Oath Account, in the circumstances described in clause 3.3(e) above, except where doing so may compromise any investigation related to your breach of this Agreement or unlawful or improper conduct. Where we close your My-Oath Account in accordance with clause 3.3(e), this Agreement will be terminated, and all amounts owed by you to us will immediately become payable to My-Oath.
(g) Despite clause 5(f), where your My-Oath Account has been closed for any reason, our respective obligations in relation to product returns in clause 5 will only continue until:
(i) all amounts you owe to us have been paid to us; or
(ii) the date which is 120 days after your last Order whichever is sooner. After that time, the Registered Trades Person will be solely responsible for processing all product returns and associated refunds.
- Orders, payments and billing
4.1 Order Confirmation and Payment Schedule
(a) All Orders which you place with My-Oath are subject to approval by My-Oath, in our reasonable discretion. We may choose not to approve an Order or provide a Product or Service to you, or may cancel an approved Order before the goods or services are delivered or supplied, if:
(i) we reasonably consider this necessary in order to:
(A) protect the integrity of our systems or the Products or Service;
(B) prevent fraud;
(C) limit the risk of money laundering or terrorism financing; or
(D) otherwise protect us against legal, regulatory or non-payment risk;
(ii) you do not pass our verifications or checks, including those described in clause 6;
(iii) we reasonably suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement on the payment due date); or
(iv) we otherwise reasonably consider the Order to be suspicious.
(b) If we cancel an approved Order:(i) we will apply a full refund of any amounts you have paid to us to your Nominated Payment Source or (if that is not possible) to any other Card that you have provided us details of, and will cancel any future payments related to that Order. In the event the approved Order is cancelled because a chargeback has been incurred by My-Oath in relation to a payment for the approved Order, that payment will not be refunded by My-Oath. Any return of funds in that event will be as between you and your issuing bank. The Registered Trades Person will not be obliged to deliver the goods (or provide the services) the subject of the Order, unless required to do by law;
(ii) you will have no obligation to make any further payments to us, or any other ongoing relationship with us, with respect to that Order; and
(iii) if you wish to proceed with the purchase from the Registered Trades Person, the Registered Trades Person may accept an alternative payment method in its discretion, or if required to do so by law.
(c) Once we approve your Order, you will receive an email from us with confirmation of receipt of your Order and a Payment Schedule.
(d) You agree to ensure that payment(s) are made in accordance with the Payment Schedule. You may make early payments through your My-Oath Account, otherwise My-Oath will automatically process payments in accordance with the due dates stated on the Payment Schedule. You authorise My-Oath to process such payments using the Payment Method details provided by you. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, My-Oath reserves the right to re-attempt to process the payment at a later time or date.
4.2 Automatic Payments
(a) An ‘Automatic Payment’ is a payment, through the Payment Method you have chosen, that we will automatically charge directly to your nominated Card or Bank Account (‘Nominated Payment Source’) on a one-time or regular basis in agreed upon amounts as outlined in your Payment Schedule. You will have the option to select a preferred Payment Method and Nominated Payment Source when your My-Oath Account is being created. You can update your payment methods by calling us.
(b) Subject to the other terms of this Agreement, You hereby expressly consent to, authorise and instruct My-Oath to deduct Automatic Payment amounts from your Nominated Payment Source for the amounts and on those scheduled dates set out in your Payment Schedule. You acknowledge that you are giving us the ability to collect or reverse variable payment amounts from or to your Nominated Payment Source, in accordance with your Payment Schedule and the terms of this Agreement.
(c) You are responsible for ensuring that you have sufficient funds in your Nominated Payment Source available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Nominated Payment Source, except to the extent that such fees or charges arise as a result of our error or system failure. If any fees or charges are imposed as a result of our error or system failure, please provide us with a copy of the relevant records, and we will reimburse you for the relevant fees or charges.
(d) If an Automatic Payment fails (for example, if your Nominated Payment Source is a credit or debit card which has expired), Late Fees may apply unless you otherwise make the scheduled payment on or before the relevant due date. You authorise us to satisfy any monetary liability you owe us by:(i) Debiting your Nominated Payment Source at a later time or date;
(ii) Debiting any other Card which you have provided details of;
(iii) Offsetting the payment amount against any amounts we may owe to you; or
(iv) Any other legal means.
(a) Charges or Fees, if any, payable by you for the use of our Products or your My-Oath Account will be set out in Schedule 1 to this Agreement.
(a) No interest charges are payable by you for the use of our Products.
4.5 No set off
Notwithstanding any other provisions of this Agreement, you must make all payments in accordance with the Payment Schedule and pay all other amounts in full to us under this Agreement without any set-off, withholding or reduction for any reason whatsoever, including any existing or future act, omission or default by us.
(a) My-Oath takes no liability regarding refunds for services provided by the Registered Trades Person and You. Refunds are to be negotiated directly with the Registered Trades Person directly.
(b) It is your responsibility to notify the Registered Trades Person if you require a refund. The return must be completed within the period specified and in the manner required by the Registered Trades Person’s returns policy or as otherwise permitted by the Registered Trades Person.
(c) Unless we are notified by a Registered Trades Person that a return and refund is in progress, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.
(d) Until such time that the Registered Trades Person has confirmed the return of the goods or services and has issued a refund to us for those goods or services, you will remain liable to us for the full payment of the goods, in accordance with your Payment Schedule.
(e) Once the Registered Trades Person has issued a refund to us for the goods or services, we will issue a refund to your Nominated Payment Source (or, if that is not possible, to any other Card that you have provided details of) and/or adjust your Payment Schedule appropriately (including to reduce or cancel any future payments, if necessary). Please note, in the event of partial refunds, refund amounts are taken off the last payment/s first. If the refund is processed to your expired or cancelled card, you will need to obtain the returned funds by contacting your financial institution.
For example, if you make a $1,400 purchase using My-Oath and the Registered Trades Person approves a $400 refund, we will cancel your future payments once $1,000 has been paid to us.
- Assessment and checks
(a) We reserve the right to assess, and determine whether to accept or cancel, each Order in accordance with clause 4.1.
6.2 Repayment capability and identity checks
(a) We reserve the right to verify your identity, including if required under the Anti-Money Laundering and Counter-Terrorism Financing Act. Verifying your identity does not mean we will approve your order (see clause 4.1(a) for other variables that are considered).
(b) You agree to provide any information or documentation reasonably requested by My-Oath or a Registered Trades Person to verify your identity in connection with your My-Oath Account or Orders.
(c) You authorise us to make, directly or through third parties, any enquiries we consider necessary to verify your identity and assess your capability to make payments according to the Payment Schedule in relation to all My-Oath Orders. This may include ordering a credit report, performing other repayment capability checks and verifying information you provide against third party databases.
(e) You authorise My-Oath (or any third parties providing services on behalf of My-Oath) to disclose to third parties, to the extent required by any applicable laws or regulations, any information in relation to you or your My-Oath Account. In addition, you acknowledge that My-Oath reserves the right to report any negative activity on your My-Oath Account (including late payments, missed payments, defaults or chargebacks) to credit reporting agencies.
(f) As part of our approval process and our assessment as to whether or not you have the means to fulfil your obligation to make payments to My-Oath according to the Payment Schedule, we reserve the right to conduct a pre-authorisation of your Nominated Payment Source. This may involve placing funds in the account linked to your Nominated Payment Source on hold each time you make an online purchase.
- Our Intellectual Property
(a) Our Website and all content on our Website are the exclusive property of My-Oath. The information on our Website is for information purposes only and is subject to change without notice.
(b) You must not copy, imitate, modify, alter, amend or use without our prior written consent any URLs representing our Website, or any of our content, logos, graphics, icons or other content published on our Website or in our printed media.
- Complaints and disputes8.1 Disputes between you and a Registered Trades Person.
(a) If you have a dispute with a Registered Trades Person, you should file a dispute through direct contact with the Registered Trades Person.
(b) Whilst My-Oath will endeavour to facilitate communication between you and the Registered Trades Person to enable a resolution to all disputes, the outcome of your disputes with Registered Trades Person will not affect My-Oath’s rights and remedies under this Agreement or your obligation to meet any payments due to us, except as expressly provided in clause 5.
8.2 Disputes between you and us
(a) We aim to:
(i) Acknowledge receipt of all complaints within 5 business days; and
(ii) Resolve all complaints within 21 days.
(b) If you wish to raise a dispute or submit a complaint to us, you should do so by contacting us using the details listed below. Disputes should be raised with us as soon as possible.
Mail: 791 Old Gympie Road, Burpengary, QLD, 4505
(c) We may request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all reasonable assistance to us to facilitate us in resolving any complaints or disputes.
- Notices and Communications
9.1 How we will communicate with you
(a) This Agreement and any other agreements, notices or other communications regarding your My-Oath Account and/or your use of our Products may be provided to you electronically.
(b) You agree to receive all communications from us in electronic form. Communications will be posted on our Website (where permitted under this Agreement) and/or sent to your email address.
(c) Alternatively, we may choose to give notice to you by:
(i) serving it personally at, or sending it by post to, your nominated contact address listed on your My-Oath Account; or
(ii) sending it to you via other electronic methods of communication using contact details listed on your My-Oath Account (including text messages).
(d) Where a notice is served personally, service of the notice is taken to be effected when delivered. Where a notice is sent by post, service of the notice is taken to be effected on the fourth day after the date of postage. Where a notice is sent by electronic mail, or through other electronic means, service of the notice is taken to be effected on the day after the day on which it is sent, unless we receive notification that delivery has failed.
(e) You consent to us using the contact details you have provided to us to:
(i) contact you on an ongoing basis for marketing purposes whether by email, SMS, phone or otherwise (unless you have notified us that you do not wish to receive such communication); and/or
(ii) contact you in relation to your My-Oath Account and/or our Products.
(f) You acknowledge that we (or any third party providing services on behalf of us) may monitor or record telephone conversations or electronic communication for quality control and training purposes or for My-Oath’s own protection. My-Oath does not provide any guarantee that any such monitoring or recording will be retained or retrievable.
9.2 How you can communicate with us
(a) NoticesExcept as explicitly stated otherwise, any notices to us should be given by mail to:
My-Oath @ 791 Old Gympie Rd, Burpengary, QLD 4505
(b) Other communications
If you wish to contact us for any other reason, you can do so on the details below:
Mail: 791 Old Gympie Rd, Burpengary, 4505, Qld, Australia
- General10.1 System Outages
(a) Access to our Products or our Websites may occasionally be unavailable or limited due to hardware or software failure or defects, overloading of system capacity, damage from natural events or disasters or disruptive human activity, interruption of power systems, labour shortages or stoppages, legal or regulatory restrictions as well as other causes outside of our control.
(b) To the extent permitted by law, and subject to clause 2.2, My-Oath will not be liable for any loss or damage which you may incur as a result of our Products or Services or our Website being unavailable.
10.2 Governing Law and Jurisdiction
(a) This Agreement is governed by the law in force in Queensland, Australia. Each party irrevocably submits to the non-exclusive jurisdiction of courts exercising jurisdiction in Queensland, Australia.
10.3 Limitation of Liability
(a) To the full extent permitted by law, and subject to clause 2.2:
(i) My-Oath’s liability for all claims arising under or related in any way to this Agreement no matter how arising, and whether in contract, tort (including negligence), or otherwise, will not exceed:(A) $500; or, if that limit is found to be unenforceable,
(B) $1,000; or, if that limit is found to be unenforceable,
(C) the total value of any affected Order(s); and
(ii) My-Oath and its related bodies corporate, or any third party providing services on behalf of My-Oath, will not be liable to you for any Consequential Loss arising under or related in any way to this Agreement no matter how arising and whether in contract, tort (including negligence) or otherwise.
(b) My-Oath and its related bodies corporate, or any third party providing services on behalf of My-Oath, and the directors, employees, officers, agents and representatives of them, will not, to the extent permitted by law and subject to clause 2.2, be liable for any loss or damage (including any direct, indirect or Consequential Loss or damage) you or any third party may incur from your purchase or use of any goods or services from a Registered Trades Person, except to the extent that we cause such loss or damage (in which case, our liability to you is limited as set out in clause 10.3(a) above). You acknowledge that any consumer-related claims you may have in respect of the goods or services purchased from a Registered Trades Peron will be a matter between you and the Registered Trades Peron, subject to any obligation on us to process refunds and cancel future payments in accordance with this Agreement and our agreement with the Registered Trades Person.
(c) To the extent permitted by law, a party’s liability to the other party under or in connection with this Agreement is reduced to the extent, if any, to which the other party’s acts or omissions cause or contribute to its own loss or damage.
(d) The parties will take all reasonable steps to mitigate any loss incurred by them under this Agreement.
(a) You are responsible to each Indemnified Party for any loss, costs (including reasonable legal fees), expense or damage the Indemnified Party suffers or incurs: (i) in connection with any claim or demand made by any third party due to or arising out of your breach of this Agreement, or your breach of any law or of the rights of a third party relating to your use of our Products or Website; and (ii) as a direct or indirect consequence of unauthorised users accessing your account as a result of your negligence. To the extent that clause 10.4(a) gives a non-party rights, My-Oath contracts as trustee of the rights given under that clause.
(b) Your liability under clause 10.4(a) will be reduced proportionately to the extent that My-Oath:(i) caused or contributed to the relevant claim, demand, loss or damage; or (ii) failed to take reasonable steps to mitigate the relevant claim, demand, loss or damage.
My-Oath, we, us or our means My-Oath Pty Ltd CAN 617 384 228 .
My-Oath Account means an account that My-Oath creates to uniquely identify you and to enable you to use our Products or Services.
Agreement means this agreement and its schedule, together with any policies and documents incorporated by reference.
Card means any Australian card issued by Visa or MasterCard, excluding Gift Cards and other pre-paid cards.
Consequential Loss means any loss, damage or costs incurred by you that is indirect or consequential, as well as loss of revenue; loss of income; loss of business; loss of profits; loss of production; loss of or damage to goodwill or credit; loss of business reputation, future reputation or publicity; loss of use; loss of interest; losses arising from claims by third parties; loss of or damage to credit rating; loss of anticipated savings and/or loss or denial of opportunity.
Consumer Rights has the meaning given in clause 2.2.
Fees means any fees charged by us, as described in this Agreement, including Late Fees.
Gift Card means a stored value or prepaid card which, when activated:
(a) can be used to purchase services or merchandise from suppliers;
(b) may not be redeemable for cash;
(c) may be capable of being used on multiple occasions;
(d) is marketed solely as a gift card;
(e) is not a component of another financial product; and
(f) prominently displays or permits the prominent display on the card or mechanism either:(i) the expiration date; or (ii) the number of months following purchase that such card or mechanism expires (along with room to write the purchase date on such card or mechanism).
For the avoidance of doubt, Gift Card includes both open loop and closed loop pre-paid cards.
Indemnified Party means each of My-Oath, its related companies, any third party providing services on behalf of My-Oath, and its and their directors, employees, officers, agents and representatives.
Nominated Payment Source has the meaning given in clause 4.2(a).
Order means a request submitted by you to us, to use an My-Oath Product or Service to pay for goods or services offered by a Registered Trades Person.
Original Order Value means the total cost of your Order at the time it is approved by My-Oath (before any refunds may be applied).
Payment Method means any payment method accepted by My-Oath from time to time.
Payment Schedule means, in relation to an Order, a list of payment amounts that My-Oath is entitled to receive from you, and the relevant due dates of each payment.
Products or Services mean the payment products or service and associated services offered by My-Oath from time to time.
Registered Trades Person means an online or in-store merchant with which My-Oath has a merchant agreement and whose goods or services may be purchased by you using our Products or Services.
Website means www.my-oath.com
Other fees or charges: Nil