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WHAT IS IT AND HOW DOES IT WORK?

PUT IT ON LAY-BUY powered by PayPal lets you pay what you can afford for the things you want now. Laybuy makes it easy for you to buy the products and services that you need by paying for them via a down payment and up to six monthly installments.

AFFORDABLE: Our calculator allows you to select the down payment you can afford to laybuy today and the amount of months you need to pay off the product.

SECURITY: All Payments are processed within PayPal’s secure environment.

FLEXIBLE: You can call us to move the pending payments earlier or later.

CONVENIENCE: Payments are automatically set up with no intervention by either party unless a payment is missed. Please do not send additional payments, this is not how our lay-buy system works unfortunately. If you wish to finalize your laybuy earlier, please contact us via email hello@shopblackwater.com to finalize payment. Please remember to include your order/lay-buy number.

CHOICE: A Lay-Buy Payment can be made and recurring profile setup via your PayPal account or your credit card.

 THAT SOUNDS AWESOME, HOW DO I SIGN UP?

5 SIMPLE STEPS

1. CHECKOUT
Check out as your normally would with a regular purchase. Continue clicking checkout until you get to this screen:

Select PUT IT ON LAY-BUY powered by PayPal payment option at checkout.

2. CHOOSE YOUR PLAN
Payment calculator makes it easy for you to set up your own payment plan.

3. ENTER PAYPAL
Complete down-payment and setup recurring profile in PayPal’s secure environment.

4. SCHEDULED PAYMENTS
Payments are processed by PayPal on the scheduled date YOU set. Check your order status within your PayPal reporting module. Contact us if you want to move your payments earlier or later.

5. RECEIVE MERCHANDISE
Receive the item or service shortly after your last payment.

No interest charges ever, no membership fees ever – NO DEBT.

 IM IN, WHERES THE FINE PRINT?

TERMS & CONDITIONS

Under our Laybuy agreement the customer is deemed to have agreed to the following terms:
• A non-refundable deposit of 10% minimum is required for payment when the laybuy is set up.
• Laybuys are on a 3 month term; however laybuys can be finalized earlier with at least 2 weeks notice.
• Laybuys exceeding the 3 month period (without approved extension) will result in cancellation of laybuy and forfeiture of deposit paid.
• All laybuys require regular repayments.

• The cancellation of any individual laybuy items will result in a 20% deposit is still in place.

• Please choose carefully as once the laybuy is set up, no changes can be made.
• Prices of items on laybuy are fixed to the price at the time of the laybuy, discounts will not be given at the time of pick up regardless if the item goes on SALE.

• No change can be made to laybuy sales once they have been ordered/delivered.

Please remember when setting up a lay-buy you will need access to your pay pal email address as all confirmation and invoices will be sent to this email address. Once a lay-buy has been set up, we cannot change your email details.
Before calling or emailing to follow up your lay-buy please have your lay-buy order number ready.

 

TERMS, AGREEMENTS AND CONTRACT

The following principles below make up the Terms & Conditions for any Lay-Buy or Laybuy contract and related transactions entered into. This applies to all and any lay-by 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-by policy.
2. Storage and Identification of Lay-Buy Products
   Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
3. Cancellation where business closes
   If Seller under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Seller 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
4. Cancellation where products not available
   If the products are no longer available, Seller must cancel the Lay-Buy and refund all monies to the buyer.
5. Banking Charges back Fees
   The seller 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.
6. 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 charge an admin fee, which is a once-off 0.9% 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.
7. Lay-Buy Reporting
   Seller 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).
8. Delivery
   The seller will only dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals.
9. MISCELLANEOUS
   14.1   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.