Lay-Away Info

Pack Turtle Lay-Aways by Lay-Buy!

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 Layby contract and related transactions entered into. This applies to all and any Lay-Buy or lay-by contract utilized by both Pack Turtle and consumer:

1. Record of Payment
   A record of payment transaction history will always be available for both Pack Turtle and the 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
   Products on Lay-Buy will be set aside and stored separately from other products. Products will be clearly identified as ‘Lay-Buy contract’ products by a number or some other identification.
3. Down Payment
   The buyer can select a down payment of 25% - 50% of the purchase as a first payment under the terms of all Lay-Buy deals.
4. Cancellation of Lay-Buy by Buyer
   The buyer may cancel their Lay-Buy agreement form at any time prior to the shipment of products by advising Pack Turtle by email or phone. There is a restock fee of 15% that will be deducted from the refund. 
5. Cancellation of Lay-Buy by Pack Turtle
   Pack Turtle under a Lay-Buy must not cancel it unless –
   a) The buyer breaches a term of the Lay-Buy; or
   b) Pack Turtle stops trading; or
   c) The products are no longer available
6. Cancellation on breach by Buyer
   If a buyer has breached a term of a Lay-Buy and Pack Turtle intends to cancel the Lay-Buy, before doing so Pack Turtle must –
   a) Give the buyer notice of Pack Turtle'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: I) in writing, sent to the buyer’s last known email address, or, if the buyer so agrees, orally; and
   II) must specify the breach of the Lay-Buy for which the Lay-Buy is being canceled; and
   III) must state the time within which the buyer must rectify the breach;
   IV) must state the matters listed below:
   * The purchase price of the products;
   * Any restock fee kept under the agreement; and
   * The total amount paid under the Lay-Buy;
   * Any amount owing to either the buyer or Pack Turtle under the terms of the Lay-Buy on the cancellation of the Lay-Buy. The Lay-Buy is canceled at the end of the period specified in the notice unless the buyer rectifies the breach before then or Pack Turtle agrees not to cancel it.
7. Cancellation where business closes
   If Pack Turtle under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Pack Turtle must give notice of the proposal to the buyer and must either –
   (a) allow the buyer 7 days within which to complete the agreement.
   (b) cancel the Lay-Buy and refund the purchase in full.
8. Cancellation where products are not available
   If the products are no longer available, Pack Turtle must cancel the Lay-Buy and refund all monies to the buyer in full.
9. Effect of Cancellation by Buyer
   When a Lay-Buy is canceled by the buyer, Pack Turtle must refund all money paid within 7 days less the 15% restock fee.
10. Service Fees
    Pack Turtle shall not charge the customer any interest charges, membership fees, or service fees on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as https://www.lay-buys.com charges a once-off admin fee, with the amount displayed to customers at checkout. The buyer will pay this amount to Lay-Buys at checkout at the time of paying the down payment. This fee is an admin fee and is therefore not refundable.
11. Lay-Buy Reporting
    Pack Turtle 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).
12. Delivery
    The seller will only fulfill the order and deliver the product(s) after receiving the final installment payment for all Lay-Buy orders.
13. 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.