Not only does Divine Jewelry, Inc (herein “Divine Jewelry”) help customers save with discounts on hand-made pieces of jewelry, but also help save through our Lay Away Plan. This plan allows customers to pay in installments. With the exception of custom extended plans and/or exceptions to the following terms that are only available on a case-by-case circumstance in writing, with the signed approval of an authorized representative of Divine Jewelry, below are the terms of our standard layaway plan:
●Initiation of any orders on a layaway purchase plan agreement should be done over the phone by contacting one of our customer service representatives at (866) 350-4411. We will be happy to assist you in the ordering process and provide you the proper documentation for your layaway purchase plan agreement.
●For each layaway order, the customer must provide a down payment of at least 10% of the total purchase price (including tax).
●Orders under $3,000.00 will be allowed a layaway period of up to 12 months* from the original down payment date to pay off their item(s) at a frequency of at least one payment per month in the amount of no less than 8% of the total purchase price (including tax), with each payment being made on or before its indicated due date, per the terms set forth on the layaway purchase plan agreement.
●Orders over $3,000.00 will be allowed a layaway period of up to 24 months* from the original down payment date to pay off their item(s) at a frequency of at least one payment per month in the amount of no less than 4% of the total purchase price (including tax), with each payment being made on or before its indicated due date, per the terms set forth on the layaway purchase plan agreement.
●(Defaults, Grace Periods, and Breach of Agreement)*: We understand that our flexibility and understanding is allowing us the opportunity to do business with you, and we appreciate that opportunity. For all layaway customers, a 10-day period of grace will be allowed from the due-date of each monthly payment as indicated per the terms set forth in your layaway purchase plan agreement before it is considered a late payment default. Each customer on a 12-month layaway term will be allowed a maximum of 3 defaults, and each customer on a 24-month layaway term will be allowed a maximum of 6 defaults before the customer is considered in breach of our layaway purchase plan agreement, and consequently forfeits their merchandise and all payments made throughout their layaway period. A “default” is defined as any of the following occurrences: late payments (payments not made within the allowable 10-day grace period), missed payments, insufficient funds not made up within 5 days of original payment processing (plus $25 reprocessing fees), and a monthly payment of less than the minimumamount defined on your layaway purchase plan agreement. Each individual occurrence of a default is counted toward the allowable maximum per the terms of their layaway purchase plan agreement. Regardless of which layaway plan you are on, if 3 monthly payments are missed consecutively, the customer is considered in breach of our layaway purchase plan agreement, and consequently forfeits their merchandise and all payments made throughout their layaway period.
●In the event a payment of insufficient funds is processed by Divine Jewelry, the customer understands they will be subject to a $25 reprocessing fee for each insufficient funds payment.
●Upon payment of the entire balance, all additional terms and requirements set forth under our Return Policies and our Terms and Conditions will apply**
.●Layaway orders may be modified after the initial order. However, if any layaway order is modified, the customer understands that any payments made toward a modified layaway order are non-refundable and are not privileged by the terms of our standard Return Policies.
●There is no penalty for an early pay-off of a balance.
●Orders will be shipped to the customer after payment of the entire balance. All shipments will require a signature and identification for insurance and liability purposes.
●All customers conducting layaway business with Divine Jewelry are additionally bound to our Terms and Conditions, Shipping Policies, Return Policies, Layaway Plan Terms, Custom Order and Design Terms, Payment Method Policies and will be subject to any additional terms and policies separately indicated within our website, invoices, credit applications, contracts, promissory notes, or any other document processed in regard to business conducted with Divine Jewelry Design.amcorper mattis, pulvinar dapibus leo.