Put it on Layby T&C's

Layby Terms & Conditions – Divine Crystal Heart

We understand that layby is a helpful option for spreading the cost of your purchases, and we want to ensure you are fully informed of our terms. By choosing the layby option, you agree to the following terms and conditions:

Payment Record

You will have access to your payment history, showing all payments made and those still due, including the value and dates of future installments.

Product Reservation

Once you place items on layby, they will be reserved just for you. These items will be securely set aside and identified as part of your layby agreement.

Cancellation by Buyer

We know that circumstances can change, and you may need to cancel your layby. However, before doing so, please keep in mind that items placed on layby are considered sold. If you're unable to complete the full payment, we kindly ask you to accept items that match the total value of what you’ve paid so far.

• If your payments don’t cover the cost of any item on your layby, a $25 cancellation fee will apply, and the remaining balance will be refunded to you.
• No refunds will be issued if the payments already made cover the cost of the goods you’ve purchased.

Cancellation by Divine Crystal Heart

We reserve the right to cancel the layby agreement if:

• A term of the layby agreement has been breached.
• We stop trading or are unable to provide the products.

If cancellation occurs on our side due to the products being unavailable, we will refund any payments made in full.

Payments & Delivery

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.

No interest or extra fees will be charged for layby purchases (except for the $25 cancellation fee if applicable). Once the final payment is received, we will ship your items.

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.

Changes and Communication

You are always welcome to contact us if you have any questions about your layby, and we will work with you to find the best solution. Any adjustments to this agreement can only be made in writing, signed by both parties.

Thank you for choosing Divine Crystal Heart to fulfill your crystal and jewellery needs. We hope these terms make your experience smooth and enjoyable.