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Pre-Authorized Debits (PAD) Agreement Form - Terms and Conditions

You (the "Payor") agree to comply with the following terms and conditions of this Pre-Authorized Debits ("PAD") Agreement in the payment, through the pre-authorized debit of your financial institution account, of any amounts owing to Renfrew Hydro Inc. ("Renfrew Hydro", the "Payee", "we", or "us") on your Renfrew Hydro account.

1 - Pre-Authorized Debits Agreement

These terms and Conditions and the documents specified below form part of and are incorporated in the PAD Agreement.  If there is a discrepancy between the wording of these Terms and Conditions and the wording of any document appearing on the list, the wording of these Terms and Conditions shall prevail.  If there is a discrepancy in the wording between any of the documents listed below, the wording of the document which appears first on the list shall prevail.

(i) Confirmation of pre-authorized debits

(ii) Pre-Authorized Debits Agreement

(iii) Renfrew Hydro's Privacy Policy

(iv) Renfrew Hydro's Conditions of Service

This PAD Agreement only applies to the method of payment between you and Renfrew Hydro.  Neither this PAD Agreement (and any amendments thereto) nor its termination shall have any effect whatsoever on the contract for services between you and Renfrew Hydro.

2 - Protection of Information

Personal information, including details about your financial institution is encrypted in order to prevent unauthorized individuals from viewing or changing your information.

Even with the very best protection policies and safeguard procedures in place, there is always the remote possibility of fraud.  If you believe unauthorized use of your information has occurred, follow the reporting procedures defined by your financial institution and contact us immediately.

Renfrew Hydro is committed to protecting the privacy of our customers.  Any personal data collected from you is used to:

(i) Establish and provide ongoing service

(ii) Verify identity and protect against error or fraud

(iii) Manage invoicing and accounting services

(iv) Monitor customer satisfaction with our programs and services

(v) Create aggregate information, and

(vi) Comply with legal and regulatory requirements 

3 - Disclosure of Information to Third Parties

It is general policy to treat your account information as confidential.  However, we will disclose information to third parties about your account or the debits we make ONLY in the following situations:

(i) where it is necessary for competing the pre-authorized debits

(ii) in order to verify the existence and condition of your account to a third party

(iii) in order to comply with a governmental agency or court order

(iv) if you give us your written permission

4 - Authority to Debit Account

You agree to provide Renfrew Hydro with your financial institution account information and authorize Renfrew Hydro to debit such account in order to pay your Renfrew Hydro bill.

You agree to maintain balances sufficient to pay all bills, and agree that Renfrew Hydro is not liable for any overdraft, insufficient fund, or charge caused by your failure to maintain funds sufficient to pay all payments issued through Renfrew Hydro.

If a payment is returned due to non-sufficient funds (NSF), the account will be charged an NSF fee and it will be subject to a late payment charge.  The original payment, the NSF fee and the late payment charge will be debited on your next of subsequent withdrawal date.  This is in addition to the next monthly payment which will also be debited at the same time.

You agree to promptly notify Renfrew Hydro in writing of any changes to the financial institution account information and grant authority for Renfrew Hydro to debit such an account.

5 - Joint Accounts

The provisions of this section apply if your designated financial institution account for pre-authorized debit is a joint account.  We are not required to obtain the consent of, or notify, other joint account holders who are not customers of Renfrew Hydro.


Renfrew Hydro is not liable to other joint account holders for debiting the joint account in accordance with the terms of this PAD Agreement.  You agree to indemnify us and hold us harmless from any and all liability (including, but not limited to, reasonable lawyer's fees and court costs) arising from any claim or action brought against us by other joint account holders for debiting the joint account. 

6 - Cancellation

You may revoke your authorization at any time by calling or providing written notice to Renfrew Hydro.  Notice must be provided at least ten (10) days prior to the next withdrawal date or until Renfrew Hydro has confirmed termination of tis PAD Agreement.

Renfrew Hydro may cancel this PAD agreement in accordance with our Conditions of Service.

7 - Returned Payments

A fee will be applied to your account for a returned payment due to non-sufficient funds (NSF).

You will be removed from pre-authorized debits should two or more returned payments occur within a 12 month period.  If you are removed from the Equal Monthly Plan, the full account balance is due on the due date indicated on your next bill.

You will be required to demonstrate 12 months of good payment history before re-applying for a pre-authorized debit plan.

8 - Change in Payor's designated Financial Institution Account

You shall provide written notice to Renfrew Hydro of any change to your designated financial institution account no later than ten (10) days prior to your next withdrawal.

9 - Waiver of Pre-Notification of Pre-Authorized Debits (PAD)

Once you receive the confirmation of Pre-Authorized Debits letter, you agree to waive any further right to receive pre-notification of the amount of each PAD and you agree that you do not require advance notice of the amount of each PAD before the debit is processed.

10 - Payor's Recourse

You have certain recourse rights if any debit does not comply with the PAD Agreement.  for example, you have the right to receive reimbursement for any debit that is not authorized or is not consistent with this PAD Agreement.  To obtain more information on your recourse rights, contact your financial institution or visit

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