Poihakena Portraits Lay By Policy, Take Home Lay-By & Direct Debit
You can lay-by purchases of $350 or more from Poihakena Portraits and spread the payment over a number of weeks. To establish a lay-by, you must pay $50. $10 of this is a non-refundable service fee that will be credited to your purchase once Lay-by is complete. Regular fortnightly payments of at least $5 must be made.
Lay-bys depending on value must be completed within the following time frames
- $350-$500 3 Months
- $501-$800 6 months
- $801 + 12 months
Where can I make payments? Payments may be online via credit card, PayPal, Bank Transfer & EFT. We also accept cash & eftpos at our St Clair Studio. We also do direct debit & Bpay on Lay-by over $500(minimum $25 per fortnight).
Take Home Lay-By We offer a take home lay-by service on orders over $500. Payment of 40% of the purchase price must be made at time of ordering. A direct debit will be set up with minimum fortnightly payments of $25. Once the first payment has gone through the products will be made available for collection or delivery. In the event that you default on your payments Poihakena Portraits may engage a third party to collect the remainder of outstanding monies.
What products cannot be purchased on lay-by? Any special priced items that have a short term price can not be put on lay-by.
Collecting your purchases. You can collect your purchases from our St Clair studio 4 weeks after your final payment. A time must be arranged for this collection. Delivery of items via registered post or courier will be arranged once final delivery address has been confirmed.
Cancellation by you. Lay-bys may be cancelled by you at any time during the term, in which case you will be entitled to a refund of the amount you have paid, less a termination fee of $25 (which is in addition to the $10 non-refundable service fee). You will need to advise us in writing that you wish to cancel. Refunds for lay-by payments will usually be made using the original payment method. Payments made via PayPal funds will be refunded using that method.
Cancellation for non-payment or non-collection. It is your responsibility to make the regular lay-by repayments and collect your purchases by the due date. Failure to make payments when they are due or collect lay-bys by the due date will be treated as cancellation of the lay-by. Poihakena Portraits is not required to contact you before cancelling a lay-by for non-payment or non-collection. If your lay-by is cancelled, you will be entitled to a refund of the amount you have paid, less a termination fee of $25 (which is in addition to the $10 non-refundable service fee).
Other terms. Lay-by contents cannot be modified. You may change your contact details or request a replacement lay-by invoice. Lay-by terms may be varied for specific events or promotions.
Click the link below to get your personalised Bpay reference to make payment for your order