These Terms & Conditions outline the basis on which Simplygreen Salary Packaging provides services to employees participating in salary packaging arrangements. By enrolling in salary packaging with Simplygreen, you agree to the terms outlined below.
1. Overview & Scope
- - These Terms & Conditions apply to the salary packaging services ("Services") provided by Simplygreen Salary Packaging ("Simplygreen") to employees of eligible employers.
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- - Services include but are not limited to: initial packaging setup, provision of benefit options, facilitation of payments, reporting, record management, and customer support.
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- - Salary packaging benefits are restricted to those approved by your employer and compliant with current ATO legislation.
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- - Simplygreen does not offer financial, legal or tax advice. You are encouraged to seek independent financial advice before participating in salary packaging.
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- - Simplygreen does not operate as a trustee, fiduciary or agent on your behalf. All funds are held on behalf of your employer.
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- - Simplygreen reserves the right to amend or discontinue services as required by changes to legislation or employer policies.
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- - Services will be delivered in accordance with Simplygreen’s current Privacy Policy.
2. Commencement & Application Process
- - Your participation in salary packaging begins once Simplygreen receives and accepts a completed application form or is supplied with required data by your employer.
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- - Applications may be submitted electronically, verbally (by phone), or in writing.
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- - You are responsible for ensuring all personal, financial and employment information provided is accurate and up to date.
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- - If Simplygreen receives updates or instructions from you by phone, these may be acted upon without written confirmation.
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- - Your employer may, in some cases, initiate salary packaging on your behalf, particularly during organisational transitions.
3. Approved Providers & Benefit Payments
- - Simplygreen may offer benefit options via a panel of approved third-party providers.
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- - If you have an existing relationship with a provider not on the panel, you may be required to switch providers to continue packaging that benefit.
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- - Simplygreen may alter or replace benefit providers with equivalent alternatives. Changes will be communicated via Simplygreen’s website or directly.
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- - If your salary deductions are insufficient to cover scheduled benefit payments, Simplygreen will prioritise payments to third parties before processing reimbursements.
4. Salary Packaging Funds & Bank Account
- - Simplygreen does not hold salary packaging funds on trust. Instead, Simplygreen issues tax invoices to your employer for the total value of salary packaging benefits to be provided, including any applicable fees.
- - Your employer remains responsible for withholding the appropriate portion of your pre-tax salary and remitting payment to Simplygreen.
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- - Once received, Simplygreen applies the funds toward the nominated salary packaging benefits and services on behalf of your employer.
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- - You do not have any ownership rights over the funds remitted by your employer, and Simplygreen is not responsible for any delay caused by late or incomplete payments from your employer.
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- - Direct access to these funds or accounts by employees is not permitted.
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5. Administration Fees
- - Administration fees for packaging services are determined by agreement with your employer.
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- - Where payable by you, fees will be deducted from your packaging funds before other payments are processed.
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- - Fees may be adjusted periodically in line with your employer’s agreement with Simplygreen. Any increases will be notified in advance.
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- - If you terminate salary packaging mid-year or maximise your FBT cap, the full annual administration fee may still apply.
6. Account Management & Responsibilities
- - You are responsible for regularly reviewing account statements and notifying Simplygreen of any discrepancies.
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- - Claims for capped benefits made after 28 February may not be processed by 31 March (end of the FBT year).
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- - Deduction instructions that exceed your available salary will not be fulfilled.
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- - Simplygreen is not liable for errors caused by incorrect information unless you notify them in a timely manner.
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- - Bank details and contact information must be kept current. Costs arising from incorrect data may be passed on to you.
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- - If your account remains inactive (no salary received) for three pay cycles, Simplygreen may suspend services.
- 7. Novated Lease Vehicles
- - You must maintain comprehensive insurance on your leased vehicle.
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- - Fuel purchases must generally be made using a Simplygreen-approved card. Manual claims are only permitted in limited situations.
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- - You must provide periodic odometer readings and, if required, maintain logbooks in accordance with ATO guidelines.
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- - Any excess post-tax contributions or refunds will be handled in line with tax legislation.
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- - Early termination of a lease may result in fees and residual payments which you are responsible for.
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- If your salary packaging account becomes overdrawn, Simplygreen may:
- - Redirect other packaging funds to offset the shortfall,
- - Suspend packaging services or cancel benefits,
- - Engage recovery action including use of a debt collection agency.
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- You will be liable for any costs incurred by Simplygreen in recovering outstanding amounts.
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- 9. Fringe Benefits Tax (FBT) Responsibilities
- - You are responsible for any FBT liabilities associated with your salary packaging.
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- - Simplygreen will calculate and report FBT based on your packaging data, but final responsibility lies with you.
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- - Accurate and timely record-keeping (e.g. vehicle logs) is your responsibility.
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- - If you continue to use benefits (such as a fuel card) after leaving your employer, you will be personally liable for the associated FBT.
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- 10. Ending Participation
- - To cancel salary packaging or cease a benefit, at least 10 business days’ notice must be provided.
- - Remaining funds in your packaging account will be returned to your employer and paid to you through payroll (less applicable taxes).
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- - Simplygreen will suspend services immediately in the event of misuse, non-compliance, or termination of employment.
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- 11. General Authorisations
- You authorise Simplygreen to:
- - Adjust salary deductions at any time in line with your selected benefits. For example, at the commencement of a new Fringe Benefits Tax (FBT) year, if you were previously packaging an accelerated amount (e.g. to reach your cap within a shorter period), Simplygreen may reset your deductions to spread your total annual benefit amount evenly across the full new FBT year,
- - Communicate directly with your employer’s payroll team to manage/adjust your deductions,
- - Request additional funds if needed to cover benefit payments,
- - Record customer service calls for quality or verification purposes.
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- 12. Governing Law
- - These Terms & Conditions are governed by the laws of Victoria, Australia.
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- - Any disputes are subject to the jurisdiction of Victorian courts.
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