Terms and Conditions: PUT IT ON LAY-BUY

The below makes up the Terms & Conditions for any Lay-Buy transactions entered into - Please read them carefully before proceeding with this service. Our Lay-Buy service is made available and managed through a third party service - Lay-Buy Financial Solutions Pty Ltd which is powered by PayPal. By using this service you are entering into an agreement and agree to adhere to the terms set out by both the provider and the merchant, as detailed below.


1. Payment

[Please note: Orders containing any items that are on PRE-ORDER will not be able to be processed]

To use the Lay-Buy service, select this payment option at checkout. There is no minimum order amount to use this service. You will then be re-directed to the Lay-Buy website where you will complete your details.

You will be required to pay the non-refundable 20% deposit/down-payment immediately using your PayPal account or credit card. PayPal will then set up the LAY-BUY payment plan between consumer and merchant. PayPal will send two email notifications to the merchant and customer. (One for the down-payment and another that a payment plan has been setup) Note: if you don't have a PayPal account, then you complete the deposit amount with your credit card and a PayPal account will then be setup for the remaining LAY-BUY payment plan payments.

Please note: the payment plan excludes the initial deposit amount and admin fee as this payment is made up front.

Full payment must be made within the 4 month term from when your order was placed. If a payment is missed, PayPal will then auto attempt again in 5 days, two more times. Customers can view their payment plan at anytime by logging in to their PayPal account – go to settings >> payments >> pre-approved payments.

Failure to make up missed payments will result in the cancellation of the Lay-Buy agreement. Previous payments will be refunded, less the non-refundable 20% deposit amount and the Lay-Buy service fee amount.

2. Lay-Buy Orders

Orders placed under a Lay-Buy agreement are final. No further discounts can be applied and no changes to products can be made - this includes adding, removing or swapping products.

3. Service Fee

Seller shall not charge the customer any interest charges, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com will charge a once-off admin fee which is 1.9% of total order value - this amount will be displayed at the checkout. The buyer will pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.

4. Delivery

Lay-Buy orders will be shipped once final payment has been made.

5. Cancellation of Lay-Buy by Seller

The seller under a Lay-Buy can only cancel an agreement under the following circumstances:

a) The buyer breaches a term of the Lay-Buy; or

b) The seller stops trading; or

c) The products are no longer available

6. Cancellation of Lay-Buy by Buyer

If a customer decides to cancel their Lay-Buy prior to the final payment, they must give notice in writing. The 20% deposit and service fee amounts are non-refundable and will be applied to ANY Lay-Buy cancellation or return, including in the case that items are received damaged or the Lay-Buy agreement has been paid in full. Additional re-stocking fees may also apply.


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