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  • PUT IT ON LAY-BUY - Terms and Conditions

    Lay-Buy Terms, agreements and contract

    Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com has identified core principles we believe are integral and imperative for all Lay-Buy agreement deals transacted through our PUT IT ON LAY-BUY checkout payment option to be fair and reasonable per the Fair Trading Act 1999.

    The following principles below therefore make up the Terms & Conditions for any Lay-Buy or Lay -Buy contract and related transactions entered into. This applies to all and any Lay-buy contract template utilized by both the vendor or consumer:

    1. Record of Payment
      A record of payments transaction history will always be available for both the merchant and buyer, recording all amounts paid to-date and the date and value of all future pending payments as per your agreed lay-buy policy.
    2. Storage and Identification of Lay-Buy Products
      Product’s on Lay-Buy will be set aside and stored separately to other products. Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
    3. Cancellation of Lay-Buy by Buyer
      The buyer may cancel their Lay-Buy agreement form at any time prior to delivery of products and on delivery of products if the products are damaged by so advising seller in writing. If a buyer cancels a Lay-Buy, seller will, if so requested by the seller, give the buyer a “cancellation statement” which sets out-
      a) The purchase price of the products; and
      b) Advise customer of the cancellation fee payable to seller under all Lay-Buy terms and conditions; and
      c) The total amount paid under the Lay-Buy; and
      d) Any amount owing to either the buyer or seller under the lay-buy terms on the cancellation of the Lay-Buy.  Seller will send the buyer a duly completed Lay-Buy Form of Cancellation immediately.
    4. Cancellation of Lay-Buy by Seller
      Brownsland Farm under a Lay-Buy must not cancel it unless –
      a) The buyer breaches a term of the Lay-Buy; or
      b) The seller stops trading; or
      c) The products are no longer available
    5. Cancellation on breach by Buyer
      If a buyer has breached a term of a Lay-Buy and seller intends to cancel the Lay-Buy, before doing so seller must –
      a) Give the buyer notice of seller’s intention to cancel the Lay-Buy; and
      b) Allow the buyer at least 14 days within which to rectify the breach; and
      c) The notice to be given has to be in writing, sent to the buyer’s last known address; and
      II) must specify the breach of the Lay-Buy for which the Lay-Buy is being cancelled; and
      III) must state the time within which the buyer must rectify the breach;
      IV) must state the matters listed per below:* the purchase price of the products;
      * all cancellation charges payable under the agreement; and
      * the total amount paid under the Lay-Buy;
      * any amount owing to either the buyer or seller under the terms of the Lay-Buy on the cancellation of the Lay-Buy. The Lay-Buy is cancelled at the end of the period specified in the notice unless the buyer rectifies the breach before then or Seller agrees not to cancel it.
    6. Cancellation where business closes
      If Brownsland Farm under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Brownsland Farm must give notice of the proposal to the buyer and must either –
      (a) allow the buyer 7 days within which to complete the agreement; and
      (b) cancel the Lay-Buy
    7. Cancellation where products not available
      If the products are no longer available, Brownsland Farm must cancel the Lay-Buy and refund all monies to the buyer.
    8. Effect of Cancellation
      Subject to the above, when a Lay-Buy is cancelled by either party, Brownsland Farm must refund all money paid within 14 days less the initial 20% deposit or a $25 cancellation fee if the initial deposit is less than $25. There are circumstances which prohibit Brownsland Farm from keeping the cancellation charge. These include but are not limited to, situations where the products are damaged or not delivered or where Brownsland Farm has breached a term of the Lay-Buy statement.
    9. Cancellation Charge
      Brownsland Farm shall charge the buyer the initial 20% deposit or a $25 cancellation fee if the initial deposit is less than $25.
    10. Banking Charges back Fees
      Brownsland Farm shall be entitled to pass-on to the buyer all charge back fees received by any given bank for any given customer charge back from any given Lay-Buy deal.
    11. Service Fee
      Brownsland Farm 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 charge an admin fee, which is a once-off 1.9% of the total order value at 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.
    12. Lay-Buy Reporting
      Brownsland Farm shall have reporting in place for all Lay-Buy deals covering Down Payment made, Lay-Buy period, Frequency of payments required, Payment amount required per installment; and a full record of all payments made to-date (amount and date on which made).
    13. Delivery
      Brownsland Farm will only dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals.
      1 This Agreement shall be binding upon, inure to the benefit of, and be enforceable by the representatives, successors and assigns of the parties hereto.
      14.2 This Agreement may be amended only by a written instrument duly executed by all parties hereto.
      14.3   The parties hereby represent and warrant that each of them has full legal right, power and authority to enter into this Agreement and to carry out its obligations hereunder.
      14.4   This Agreement may be executed simultaneously in one or more counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument.
      14.5   Article headings contained herein are for reference purposes only and shall not in any way affect the meaning or interpretation of this Agreement.