Lay-by Terms and Conditions
The Lay-by period is for a maximum of six weeks.
We recommend a payment at least fortnightly and you will be contacted via email, phone or text message to remind you about your Lay-by.
A deposit must be a minimum of 20% of the total purchase value.
The minimum Lay-by sale is $50.
The cancellation charge on a Lay-by is 20% of the total purchase price during the Lay-by period.
If the Lay-by is not completely paid and collected by the due date, then the Lay-by will be forfeited and a termination charge of 50% will be applied. Any extra payments made will be offered as a store credit.
There are no returns or exchanges on Lay-by items with the exception of faulty goods or in accordance with your legislated rights.
The customer or Phinc has the right to cancel a Lay-by.
If the customer cancels the Lay-by within six weeks they have the right to a credit of the payments made, less the 20% cancellation charge.
If the store cancels the Lay-by within three weeks the customer will be given seven days notice and will be entitled to a full refund of all payments made.
Customers will be contacted for all Lay-bys that are not completed by the due date. After the due date the Lay-by will be cancelled and the customer will be given a credit for their payments made, less the termination charge of 50% of total purchase.
The cancellation charge is applied to compensate the retailer's selling, storage and administration costs.
Any items placed on Lay-by cannot be altered until the Lay-by has been paid in full.
No items can be taken by the customer until the entire Lay-by has been paid in full.