Terms of service

Layaway US – Layaway Purchase Agreement

Legal Seller: Layaway Depot Pty Ltd trading as Layaway US

IMPORTANT NOTICE

This is a layaway purchase agreement.

Layaway allows You to reserve Products and pay for them over time through scheduled instalments.

You will not receive the Products until the Total Purchase Price has been paid in full.

If You cancel this layaway agreement after the cooling-off period, a cancellation fee may apply.

1. Definitions

In these Terms:

Agreement means this Layaway Purchase Agreement, including these Terms and any order-specific terms provided at checkout.

Business Day means a day other than Saturday, Sunday, or a public holiday.

Cancellation Fee means the fee payable under Section 5.

Customer / You / Your means the person entering into this Agreement.

Layaway US / We / Us / Our means Layaway Depot Pty Ltd trading as Layaway US.

Payment Plan means the agreed schedule of instalment payments.

Products means the goods You purchase through the layaway program.

Total Purchase Price means the total amount payable for the Products, including any applicable taxes, shipping, or fees.

2. Nature of Layaway Agreement

This is a layaway agreement. By placing an order through Layaway US:

• You agree to pay for the Products according to Your Payment Plan.
• The Products will be reserved for You while payments are being made.
• You do not own or receive the Products until full payment has been received.
• Ownership remains with Layaway US until payment is completed in full.

3. Payments

You agree to make payments according to the Payment Plan selected at checkout.

Payments may be made by approved payment methods including debit card, credit card, bank transfer, or other supported payment methods.

You are responsible for ensuring sufficient funds are available on each scheduled payment date.

If a payment fails, We may:

• Retry the payment;
• Contact You regarding the failed payment;
• Adjust Your Payment Plan;
• Suspend Your order; or
• Cancel the Agreement in accordance with these Terms.

You may request changes to Your payment schedule. Approval of any changes is at Our discretion.

4. Cooling-Off Period and Cancellation by You

You may cancel Your layaway agreement at any time before delivery of the Products.

A cooling-off period of 10 Business Days applies from the date Your order confirmation is issued.

If You cancel within the cooling-off period:

• No Cancellation Fee applies; and
• All payments made will be refunded.

If You cancel after the cooling-off period, a Cancellation Fee may apply under Section 5.

To cancel, contact: support@layawayus.com

5. Cancellation Fee

If You cancel this layaway agreement after the cooling-off period, a cancellation fee applies.

The cancellation fee is: $55, or 20% of the amounts You have paid under this Agreement if that amount is higher, up to a maximum of $200.

The cancellation fee will be deducted from any refund due to You.

This fee represents a reasonable contribution towards costs incurred by Layaway US, including:

• Administration costs;
• Payment processing fees;
• Customer service costs;
• Account management costs;
• Product reservation costs; and
• Costs associated with managing Your order.

The Cancellation Fee will never exceed the total amount You have paid under this Agreement.

6. Missed Payments

If You miss a scheduled payment, We may:

• Attempt to process the payment again;
• Contact You to resolve the missed payment;
• Adjust Your remaining payment schedule;
• Suspend Your order; or
• Cancel Your Agreement.

Where an Agreement is cancelled due to missed payments, the Cancellation Fee may apply.

7. Failed Payments

Your bank or payment provider may charge fees for failed payments.

Layaway US may charge a $4.00 administration fee for each failed or dishonoured payment where permitted by applicable law.

8. Product Availability, Substitutions and Pricing

We make reasonable efforts to supply the Products selected by You.

However, product availability, supplier availability, and pricing may change.

If a Product becomes unavailable, discontinued, or cannot reasonably be supplied, We may:

• Offer a substitute Product of equal or greater value; or
• Cancel the order and refund payments made.

If a substitute Product is offered, You may accept or decline the substitute.

If You decline the substitute, the Agreement will be cancelled and payments made will be refunded.

If supplier costs, taxes, duties, shipping costs, or other external costs increase, We may adjust Products or offer alternative Products of similar value.

9. Delivery

Products will only be shipped after:

• All required payments have been received; and
• The Agreement has been completed.

We aim to dispatch Products within a reasonable timeframe after final payment.

You are responsible for providing an accurate delivery address.

You must notify Us immediately of any change to Your delivery address.

Additional costs caused by incorrect or changed delivery information may be charged to You.

Additional shipping, oversized item, rural delivery, or redelivery fees may apply where applicable.

Risk of loss transfers to You upon delivery.

If Products remain uncollected or delivery cannot be completed due to Your actions, Products may be considered abandoned after 20 Business Days.

Any refund will be subject to applicable charges under this Agreement.

10. Refunds

Refunds will generally be processed within a reasonable timeframe after approval.

Refunds will be returned using the original payment method where possible.

For security reasons, refunds may only be issued to the original payment source.

Balances under $40 that remain inactive for more than 6 months may not be refunded unless You contact Us within 2 years.

11. Ownership and Risk

Ownership of Products remains with Layaway US until full payment has been received.

Risk of loss transfers to You once Products have been delivered.

12. Customer Information

You agree that:

• Information provided by You is accurate and complete;
• You will update Your details if they change; and
• We may rely on Your latest contact information.

13. Taxes and Fees

Applicable sales taxes, shipping fees, and other charges may apply depending on Your location and order details.

You are responsible for any applicable charges disclosed during checkout.

14. Consumer Rights

Nothing in these Terms is intended to limit any rights You may have under applicable consumer protection laws.

15. Eligibility

You must be at least 18 years old to enter into this Agreement.

16. Limitation of Liability

To the maximum extent permitted by applicable law, Layaway US will not be responsible for losses caused by circumstances outside Our reasonable control, including:

• Shipping delays;
• Supplier delays;
• Natural disasters;
• Government actions; or
• Events beyond Our control.

17. General Terms

If any provision of this Agreement is found invalid or unenforceable, the remaining provisions will continue to apply.

We may assign Our rights and obligations under this Agreement.

Failure to enforce any provision does not waive Our right to enforce it later.

18. Contact Information

Layaway Depot Pty Ltd trading as Layaway US

Customer Support: support@layawayus.com