PRIVACY POLICY

We care about protecting your privacy and any personal information you give us or is collected through your shopping experience with us. We use this information in order to complete your order, subscribe you to our email updates (with your permission), and help further our service to you. We do not pass on or keep your credit card information, nor do we disclose your personal details, unless we are required by law to do so. If you have any questions regarding your personal information we are more than happy to help you.

TERMS OF SERVICE

This website is operated by Saddler&Co. Throughout this site, the terms “we”, “us” and “our” refer to Saddler&Co. By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions.

Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you. You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

Please do not reproduce, duplicate, copy, sell, resell or exploit any portion of our Service, products, or designs without express written permission by us. Descriptions and prices for our products are subject to change without notice. We reserve the right at any time to modify, limit, or discontinue products, without notice at any time. We shall not be liable to you for any suspension or discontinuance of our products or Service.

We have made every effort to display as accurately as possible the colors and images of our products as they appear. However, we cannot guarantee that your computer monitor's display of any color will be fully accurate.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed. Your submission of personal information through the store is governed by our Privacy Policy.

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

Saddler&Co shall not be liable for any injury, loss, claim, or damages of any kind in the use of our products, although we will repair any faulty workmanship or errors that we are notified of, as stated in our Returns policy.

LAY-BY TERMS, Agreements and Contract:

A record of payments transaction history will always be available for both the merchant and buyer, recording all amounts paid to-date and the date and value of all future pending payments as per your agreed lay-by policy.
Product’s on Lay-Buy will be set aside and stored separately to other products. Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
The buyer may cancel their LayBy agreement form at any time prior to delivery of products and on delivery of products if the products are damaged by so advising seller in writing or if seller agrees, orally.If a buyer cancels a Lay-Buy, seller will, if so requested by the seller, give the buyer a “cancellation statement” which sets out-
a) The purchase price of the products; and
b) Advise customer of the cancellation fee payable to seller under all Lay-By terms and conditions; and
c) The total amount paid under the Lay-Buy; and
d) Any amount owing to either the buyer or seller under the layby terms on the cancellation of the Lay-Buy.If seller does not accept the buyer’s oral cancellation it is obliged to give/send the buyer a duly completed Lay-By Form of Cancellation immediately.
The seller under a Lay-Buy must not cancel it unless –
a) The buyer breaches a term of the Lay-Buy; or b) The seller stops trading; or c) The products are no longer available.

If a buyer has breached a term of a Lay-Buy and seller intends to cancel the Lay-Buy, before doing so seller must – a) Give the buyer notice of seller’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 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 cancelled; and III) must state the time within which the buyer must rectify the breach; IV) must state the matters listed per below:* the purchase price of the products; * all cancellation charges payable under the agreement; and * the total amount paid under the Lay-Buy; * any amount owing to either the buyer or seller under the terms of the Lay-Buy on the cancellation of the Lay-Buy.The Lay-Buy is cancelled at the end of the period specified in the notice unless the buyer rectifies the breach before then or Seller agrees not to cancel it.
If Seller under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Seller must give notice of the proposal to the buyer and must either – (a) allow the buyer 7 days within which to complete the agreement; and (b) cancel the Lay-Buy
If the products are no longer available, Seller must cancel the Lay-Buy and refund all monies to the buyer.
Subject to the above, when a Lay-Buy is cancelled by either party, Seller must refund all money paid within 14 days less a AUD $25 cancellation fee. There are circumstances which prohibit Seller from keeping the cancellation charge. These include but are not limited to, situations where the products are damaged or not delivered or where Seller has breached a term of the Lay-Buy statement.
Seller shall charge the buyer a AUD $25 cancellation fee under the terms of all Lay-Buy deals.
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.
Seller shall not charge the customer any interest charges, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com charge an admin fee, which is a once-off 0.9% 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.
Seller 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).
The seller will only dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals. 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.

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Ph: 0419496834    Email: info@saddlerandco.com.au