Lay-by Policy
Last updated: October 23, 2025
Welcome to Twinkle n Grace.
At Twinkle n Grace, we want to make purchasing your perfect Christmas tree simple and stress-free. Our Lay-by option allows you to reserve your tree today by paying a small upfront deposit and spreading the remaining balance over a series of interest-free monthly instalments.
Lay-by is facilitated through PUT IT ON LAY-BUY, a secure and trusted payment provider powered by PayPal. This policy explains how the Lay-by process works, including payments, early settlement, cancellations, refunds, and delivery.
By choosing Lay-by at checkout, you agree to the terms outlined in this policy
Our Lay-by service is provided by Lay-Buy Financial Solutions Pty Ltd, trading as PUT IT ON LAY-BUY.
Lay-Buy Financial Solutions Pty Ltd
- ACN: 146 418 313
- ABN: 31 146 418 313
- Address: 33 Jeays St, Bowen Hills, QLD, 4006, Australia
All Lay-by payments are processed securely via PayPal.
2.1 At checkout, select Lay-by (PUT IT ON LAY-BUY) as your payment method.
2.2 Choose:
- The down-payment percentage to pay today, and
- The number of monthly instalments to pay the remaining balance.
2.3 You will be redirected to PayPal to complete your down-payment.
2.4 PayPal sets up an automatic instalment payment plan for the remaining balance.
2.5 You will receive confirmation emails from PayPal confirming:
- Your initial payment, and
- Your Lay-by instalment schedule.
If you do not already have a PayPal account, one will be created for you as part of setting up the Lay-by payment plan.
3.1 No interest is charged on Lay-by purchases.
3.2 No late fees are charged.
3.3 A one-off Lay-by admin fee is charged by PUT IT ON LAY-BUY.
- The fee amount depends on your order value.
- The fee is displayed at checkout.
- This fee is non-refundable.
3.4 Instalment payments are automatically deducted from your nominated PayPal payment method on the scheduled dates.
4.1 Lay-by orders are marked as “authorised” until all instalments are paid.
4.2 Orders are only fulfilled and delivered after the final payment is received.
4.3 Once the final instalment is paid, the order automatically updates to “paid” and is prepared for delivery.
5.1 If an instalment payment is missed:
- PayPal will automatically retry the payment up to two additional times, approximately 5 days apart.
- Email notifications are sent to both you and us.
5.2 You are responsible for ensuring sufficient funds are available in your PayPal-linked payment method.
5.3 If payments continue to fail, we may contact you to arrange payment and update your order status.
6.1 You may pay off your Lay-by balance early at any time by:
- Contacting us to revise your Lay-by payment plan, or
- Using a PayPal payment link provided by us.
6.2 Once the balance is paid in full:
- The PayPal instalment plan is automatically cancelled
- The order status updates to “paid”
- Your order becomes eligible for earlier delivery
Cancellation by You (Customer)
- You may cancel your Lay-by order at any time prior to delivery.
- You may also cancel upon delivery if the product is damaged, in line with Australian Consumer Law.
Cancellation by Us (Seller)
We will only cancel a Lay-by order if:
- You breach the Lay-by terms (including ongoing non-payment), or
- We cease trading.
8.1 When a Lay-by order is cancelled, the PayPal instalment plan is automatically cancelled.
8.2 Refunds are processed via PayPal.
8.3 Any refund will be issued within 14 days, less the non-refundable Lay-by admin fee charged by PUT IT ON LAY-BUY.
8.4 This policy does not limit your rights under Australian Consumer Law.
You can view and manage your Lay-by instalment plan in PayPal by:
- Logging in to PayPal
- Going to Settings → Payments → Automatic Payments
- Selecting our store from the merchant list
10.1 All Lay-by payments are automated via PayPal.
10.2 Ownership of goods transfers only after full payment is received.
10.3 This Lay-by Policy should be read together with our Terms & Conditions and Refund Policy.