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Kempo Genbu Ryu International Karate Organization Karate (KRIKO/Kempo Genbu Ryu/Kempo Ryu)
Terms and Conditions of Membership

Providing either or in combination of Online/Face to Face/Outdoors Classes (as decided by Kempo Genbu Ryu - see below).

Important Notes

  1. Three (3) months TUITION Fee  is PAYABLE At Cancellation (after initial 1 month of taking/joining this initial membership).


  3. ALL FEES are charged every fortnight continuously – even during any breaks in the year including Christmas and Public Holidays or days of Karate overseas travel and/or tournaments/events as chosen by Kempo Genbu Ryu.

  4. Fees that are rejected by your Bank will incur a fees from Kempo Genbu Ryu - for reprocessing - this fee (usually $10) will be detailed in your dishonour letter from our organisation.

  5. Classes & Training programs maybe face to face (in person) in the school premises, outdoor teaching sessions and / or Online classes. Either of these classes can be a combination of each other or can be exclusive dependant on the school circumstance and our government requirements - such as a lockdown due many reasons such as a pandemic, conflict and/or other matters. All are Group classes not Private one on one classes - unless organised separately.


Conditions of Membership
All students required and undertake to obey the reasonable commands of all instructors and officials of Kempo Genbu Ryu, and to abide by such rules as the Chief Instructor shall in the best interest of the organisation and it’s student members, from time to time bring into force.

All fees are to be promptly paid when they fall due as detailed in the student program/agreement form; these fees will be subject to periodic review. 

Annual Review of Fees
Tuition fees are subject to an annual increase of 4% each year. Yearly Fees will be increased from to time as advised to students/members in writing. However if and when this is required all members will be notified in writing and by a notice at all locations (schools).

Fees continuous and do not get suspended.

Fees are not suspended if students go on holidays or take a break for a period of 3mths or less. All Tuition Fees are charged continuously as advised – even during any breaks in the year including Christmas and Public Holidays or days of Kempo Genbu Ryu overseas travel and/or tournaments.

All fees are for either face to face (in person) group classes in house or outdoor training or online classes. Further it maybe there is a combination of these options or at times exclusive one of these combinations for a period of time due to school circumstance, government requirement - such as a lockdown due many reasons such as a pandemic, local international conflict and/or other similar matters. 

All gradings are by invitation only and subject to review solely by the Chief Instructor. Grading fees will be paid one week in advance prior to any grading session.

Kempo Genbu Ryu membership must be renewed annually, to allow students to participate in the training program.

No other Martial Art membership allowed

No student/member can participate in any other non-sanctioned Kempo Genbu Ryu martial art events being tournaments/camps/seminars or related without the explicit permission of a Kempo Genbu Ryu Senior Instructor’s permission.

Compulsory Events
Kempo Genbu Ryu has mandatory events for students/members. These events form part of the overall Martial Arts training and cultural awareness of being part of a international Karate organisation and the specialised learning is done via these events and will be advise to all students/members in writing in the annual calendar and released throughout the year. Should a student/member not be able to attend they must inform the Senior Instructor at the time of the advise of these events as as soon as practical. The events are:

  1. Annual Awards Presentation - late January or early February of each year.

  2. Annual national Training Camp - February or March of each year

  3. Annual International Kempo Genbu Ryu tournament - March of each year or as advertised

  4. Belt Promotional testing (grading) - as advised during the year

  5. So-Hombu (headquarters)  Open Days - as advised during the year


Personal Risk of Membership (health and related)
Registration as a student of Kempo Genbu Ryu Australia and the Kempo Genbu Ryu International Karate Organisation (KRIKO) is on condition that the student enrols in the school at his/her own risk. Kempo Genbu Ryu by it’s servants, agents, students or instructors will bear and accept no responsibility whatsoever for any adverse consequences of activities participated in by, whether solely or involving fellow students whether authorised or unauthorised and without limiting generally of the foregoing, in particular for:


Accidental death

Any personal injury which may be sustained whilst training.

Loss, through theft or otherwise and damage to personal property and effects; either before, during or after commencement of training classes with Kempo Genbu Ryu.

Only First Aid or care until First Aid or Ambulance is called/arrived can be provided.


Contact Sport Risk - Combat Fight training Risk
All students/members need to be fully aware Kempo Ryu and related activities are Combat Sports and jury and discomfort can arise. This includes pressure to preform to achieve a degree of physical and mental performance that will allow a student/member to defend themselves in a violent attack and or have an extreme danger in their life. Mental and Physical training is part of Kempo Ryu that builds mental and physical power to build confidence and discipline to be able to fight, defend and attack violent attackers and or effectively compete in full contact events in Australia or around the world.

All students/guardians hereby agree not to prosecute, either in their own name or through a next friend, the said Kempo Genbu Ryu Karate, servants, fellow students, instructors should any of the above events occur.

Any student or potential student must inform the Chief Instructor if a student is/was committed for a criminal offence.

Failing to comply with any of the above terms & conditions of being a student may render the student liable for immediate expulsion from the Kempo Genbu Ryu Organisation.  The Chairman of KRIKO will make final judgement of a student’s/guardian’s worthiness to remain part of the KRIKO after a full review. The decision will be final.

Failure to attend class does not signify or imply notification to cancel this agreement.

Student's failure to continue lessons during the notification or program period does not relieve the obligation to pay the remaining tuition balance in full.

Undersigned assumes all responsibility for any costs of collection, including but not limited to reasonable collection agency fees, court costs, reasonable attorney's fees, and applicable late charges, that may be incurred for default payments.

School administrators may make any modifications in the class schedule as deemed necessary. Such modification does not relieve the undersigned of their payment obligations under any circumstances.

The tuition cost for martial arts programs are based on approximately 45 week year.

School administrators may close the school on national holidays, for the purpose of special events, and a period not exceeding three weeks continuous per year for necessary maintenance and other purposes without affecting scheduled tuition payments.

School administrators and those acting under its authority reserve the right to use photographs, videotapes, artwork or other likenesses of the student for marketing, trade, publishing or any other lawful purpose.

In consideration of the martial arts training obtained, student agrees not to engage in martial arts teaching practices within a sixty kms radius of the school, or any other school associated with the school's administrators, for a period of 3 years following disassociation with the school, without written permission.

Full payment of tuition fees does not guarantee Belt certification by school administrators.

Membership is non-cancellable and non-transferable except as stated herein.

Student's failure to attend scheduled lessons relieves the obligation of the school to provide lessons after the selection tuition dates.

Undersigned authorizes the use of a disclosed e-mail address for billing purposes and acknowledges that e-mail text may include financial information pertaining to the membership.

Cancellation of ongoing membership requires the completion of an authorised Cancellation Form which can be obtained from the school. The membership is cancelled when all payments due within the specified notification period are paid in full. If a notification period is not specified, a minimum of 3 months is implied. The student retains membership rights and privileges until the notification period expires. "TERM" agreements are non-cancellable unless stated herein. School administrators may raise the tuition rate of ongoing memberships providing advance notice equal to the cancellation notice stated herein.

Student represents that (s)he is in good physical condition, is not suffering from any heart, lung or other bodily ailment and is in all respects physically fit to engage in the martial arts course.

Student has been advised that strict observance of the rules and regulations relative to martial arts self-defense training is mandated and includes the use of protective equipment. The school does not warrant that the protective equipment will completely eliminate the possibility of accident or injury but will substantially reduce the risk of accident or injury.

Physical contact will be used by employees of the school, other students and authorised individuals, as part of the course of instruction. Student has been advised of such fact and gives full consent to any physical contact as may be required or customary to martial arts training.

In recognition of the possibility of accident or injury connected with martial arts training, student waives any right or cause of action of any Kind arising as the result of such activity from which any liability may or could accrue to the school, its officers, agents, employees, or instructors.


This agreement may be cancelled for any reason without penalty or further obligation within 30 days from the date of joining Kempo Genbu Ryu Karate/Kickboxing/Grappling.

Cancellation shall be made in writing and mailed to Kempo Genbu Ryu Karate/Kickboxing/Grappling and the school by dated mail. All money paid by you shall be refunded by the school within 30 days of receipt of this notice of cancellation. However, the school may retain expenses incurred and the portion of the total price representing the services used and completed based on the hourly rate stated herein. Down payments are non-refundable after the 3 days

If student becomes disabled for at least six (6) months during the membership term, you have a right to an extension of this agreement. A letter must be submitted to Kempo Genbu Ryu Karate/Kickboxing/Grappling from the student's physician explicitly stating medical condition and estimated time unable to participate in the martial arts program.

You may cancel this agreement if the student changes residence more than 32 kms from the school. Cancellation under this section requires written proof of new permanent address, phone number, and name and address of new employer. Cancellation is effective the date of move or upon official notification to Kempo Genbu Ryu Karate/Kickboxing/Grappling, whichever is later.  A residence investigation will then be conducted.

If student becomes deceased, you shall be relieved of further obligation under this agreement not then due and owing.


Kempo Genbu Ryu Karate/Kickboxing/Grappling billing company, not a collection agency. However, Kempo Genbu Ryu Karate/Kickboxing/Grappling may refer an account to a collection agency or attorney's office for debt collection and/or credit reporting for non-payment of the agreed fees.



Paychoice / Quickpay Pty. Ltd Direct Debiting Terms & Conditions

Quickpay Pty. Ltd.

Level 2, Suite 6, 58 – 60 Victor Crescent

Narre Warren VIC 3805

Tel: 1300 659 537

Fax: 1300 659 538




 Direct Debit Request Service Agreement


  • Account means the account held at your financial institution, from which we are authorised to arrange for funds to be debited

  • Agreement means this Direct Debit Request Service Agreement between you and us.

  • Business Day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia

  • Debit Day means the day that payment by you to us is due

  • Debit Payment means a particular transaction where a debit is made

  • Direct Debit Request or (DDR) means the Direct Debit Request between you and us (and includes any Form PD – C approved by us in the transitional period)

  • Us or We means Quickpay Pty Ltd, you have authorised by signing a Direct Debit Request

  • You mean the customer who signed the Direct Debit Request

  • Your Financial Institution is the financial institution where you hold the account that you have authorised us to debit



1.1 By signing a DDR, you have authorised us to arrange for funds to be debited from your account.  You should refer to the DDR and this agreement for the terms of the arrangement between you and us.

1.2 We will only arrange for funds to be debited from your account as authorised in the DDR    OR

1.3 We will only arrange for funds to be debited from your account if we have sent to the address nominated by you in the DDR, a billing advice which specifies the amount payable by you to us and when it is due

1.4 If the debit day falls on a day that is not a business day, we may direct your financial institution to debit your account on the following business day.  If you are unsure about which day your account has or will be debited you should ask your financial institution.

1.5 By signing this document you hereby accept that Quickpay or its associated entities are not liable for any prepayment made on products or services that yet to be rendered.  Any prepayments made are the responsibility of your provider and not Quickpay.  If the provider is for any reason is unable to refund any payments you hereby notified that Quickpay will not be liable for your prepaid funds.



2.1 We may vary any details of this agreement or DDR at any time by giving you at least fourteen (14) days written notice.



3.1 Subject to 3.2, 3.3, or 3.4 you may change the arrangements under a direct debit request by contacting us on 1300 659 537

3.2 Deferment, cancellation or alteration to the debiting schedule outlined over the page will be considered subject to the terms and conditions of any contract/agreement between you and the payee named over the page.

3.3 If you wish to defer a payment you must notify us in writing at least fourteen (14) days before the next debit day

3.4 Any cancellations made directly with Quickpay do not affect or terminate any contracts, agreements and/or payment obligations you have with the payee named over the page.



4.1 It is your responsibility to ensure that there are sufficient clear funds available in your account to allow a debit payment to be made in accordance with the direct debit request (DDR)

4.2 If there are insufficient clear funds in your account to meet a direct debit payment:

a) You may be charged a fee and/or interest by your financial institution b) You may also incur fees or charges payable to Quickpay; and

c) You must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be available by an agreed time so that we can process the debit payment

4.3 You should check your account statement to verify that the amounts debited to your account are correct



5.1 If you believe there has been an error in debiting your account, you should notify us directly on 1300 659 537.  Confirm the notice in writing to us as soon as possible so that we may resolve your query quickly

5.2 If we conclude as a result of our investigations that your account has been incorrectly debited we will arrange with your financial institution to adjust your account

(including interest and charges) accordingly. We will also notify you in writing of the amount by which your account has been adjusted

5.3 If we conclude as a result of our investigations that your account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding

5.4 Any queries you have about an error made in debiting your account should be directed to us in the first instance so that we may attempt to resolve the matter between you and us. If we cannot resolve the matter you may still refer it to your financial institution which will obtain details from you of the disputed transaction and may lodge a claim on your behalf



You should check

a) With your financial institution whether direct debiting is available from your nominated account as direct debiting is not available on all account types b) Your account details are correct by checking them against your bank statement; and

c) With your financial institution before completing the DDR if you have any queries on how to complete the DDR



7.1 We will keep any information (including your account details) in your DDR confidential. We will make reasonable effort to keep any such information we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information

7.2 We will only disclose information we have about you:

a) To the extent specified by law; or

b) For the purpose of this agreement (including disclosing information in connection with any query or claim)



8.1 If you wish to notify us in writing about anything relating to this agreement, you should write to the address at the top of the page

8.2 We will notify you by sending a notice in the ordinary post to the address you have given us in the DDR

8.3        Any notice will be deemed to have been received two (2) business days after it has been posted


9. NOTICE OF DISCLOSURE (Privacy Act 1988)

9.1 We may give information about you to a credit reporting agency for the following purposes:

a) To obtain a consumer and commercial credit report about you, and/or

b) Allow the credit reporting agency to create or maintain a credit information file containing information about you.

9.2 This information is limited to:

a) Identity particulars - your name, sex, address (and the previous two addresses), date of birth, name of employer, and drivers license number b) Your application for credit or commercial credit - the fact that you have applied for credit and the amount

c) The fact that we are a current credit provider to you.

d) Repayments which are overdue by more than 60 days, and for which debt collection action has started e) Advice that your repayments are no longer overdue in respect of any default that has been listed

f) Information that, in the opinion of us, you have committed a serious credit infringement (that is, acted fraudulently or shown an intention not to comply with your credit obligations)

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