# Idealx Payment Provider Notice Version 2.3 | Published 28 September 2026 Read with your completed account and service particulars. 1 Your payment service ---------------------- Idealx Platform Pty Ltd provides the Idealx interface and the platform services described in the Client Services Agreement. Idealx is not a bank. Your activated Service Particulars identify the payment facility, provider, holding arrangement and terms that apply to you. For the initial Zai-supported facility, payment services are provided by Zai Australia Pty Ltd, ABN 96 637 632 645. Where those services require a direct agreement with you, the applicable Zai End User Agreement is supplied before activation and forms a separate contract for those services. Idealx’s own obligations remain governed by its agreement with you and applicable law. The provider documents supplied with the service record are the applicable versions of the End User Agreement and Privacy Policy, together with any product-specific disclosure or payment-rail terms required for the facility. Current public document locations are https://www.hellozai.com/company/policies/end-user-agreement and https://www.hellozai.com/company/policies/privacy-policy. The accepted record identifies the versions supplied; a changing web link is not the only record of your terms. Allocated BSB and account details identify where payments are to be sent and credited in the payment system. They do not alone establish a separate bank deposit in your name. Your Service Particulars explain the actual legal holder, your entitlement and any applicable protection. A payment provider's sponsoring bank is not automatically your contractual payment provider or a guarantor of your Idealx balance. 2 Direct debit and other payment rails -------------------------------------- For the current BECS direct-debit arrangement, the Debit User is Zai Australia Pty Ltd, User ID 342203. A separate electronic Request and Service Agreement identifies your nominated external account and debit authority. Neither an Idealx registration checkbox nor a general Console appointment replaces that authority. The provider, its sponsoring institution or payment rails may appear on statements, payment descriptors, bank verification screens, dispute records or scheme notices. Idealx branding does not guarantee that a provider's identity will be absent from those records. Additional rails, including PayTo or BPAY if offered, have their own applicable terms and approval steps. No such service or mandate is activated merely because direct debit is available. 3 Personal information ---------------------- Zai may receive identity, account and transaction information from Idealx and relevant financial institutions to supply payment services, verify identity, prevent fraud and comply with law. Without required information, the payment service may be unavailable. Its privacy policy explains its access, correction, complaint and other handling practices. Service providers may handle information overseas as disclosed in the applicable policy and collection notices. Idealx’s Privacy Policy separately governs its own handling. 4 Multiple providers and changes -------------------------------- Idealx may use more than one authorised payment provider or financial institution by service, currency or route. You are not promised permanent use of a named provider. Routine technical routing within your accepted instructions does not require reaccepting unchanged platform terms. A change affecting your legal provider, account structure, debit authority, material risks, fees or access is subject to applicable notice, migration and consent requirements. Required replacement-provider documents are supplied before the changed service applies. No commercial provider contract, supplier fee schedule or confidential intercompany pricing is made public by this notice. Customer rights and legally required provider identification are separate from those confidential arrangements.