Lay Away Policy

Lay Away:

We understand our products and services can sometimes be a lot -

• Lay away services are available for customers who would like to place an order, but would like the payments to be split between three, four and six months.

• Customers are required to pay a non-refundable signup fee of 10% of the purchase price at the time of starting a lay away purchase agreement. This will be in addition to the full cost of their purchase price, including all relevant shipping and processing fees, distributed across their chosen payment time-frame.

  • IE: John Doe decides to enter into a lay away purchase agreement for an order totaling $100 over a period of four months. Today, the 13th of June, he is required to pay a signup fee of $10, plus his first month's payment of $25.

  • His next payment will be due on the 13th of July, followed by August 13th, and ending on the 13th of September.

• All payments are due on the agreed upon date of each month, before 12 midnight Pacific Standard Time, with a late fee of $5 for each day past due. Customers are responsible for any late fees that may occur as a result of their financial institutions delay in processing their payment requests. It is solely the customer's responsibility to be able to provide evidence of a timely payment to dispute late transactions should this occur. Without evidence, the late fees will not be reversed.

• Late fees will continue to accrue if your account is delinquent because of unpaid late fees, even if you've paid your monthly payment amount in full.

• At the discretion of an authorized TLC representative, late fees may be waived under mitigating circumstances. Failure to communicate with TLC in a timely manner will result in an automatic denial of such options.

  • John makes his payment in July, but forgets in August until the 15th.

  • In order to bring his account into good standing, John must pay August's monthly payment of $25, plus an additional $10 for the 14th and 15th.

• Accounts more than 15 days late will receive a notice of cancellation to the email associated with their lay away purchase agreement. Customers will have 72 hours from the time of notification (three working business days) to bring their accounts into good standing. Failure to do so will result in a cancellation of your lay away purchase agreement.

• Lay away purchase agreements that result in cancellation are not subject to a full refund. All non-refundable fees remain non-refundable, and 35% of all additional money paid will be forfeited to Twisted Leather Creations as a restocking and/or processing fee. If a non-refundable deposit was paid towards a custom order creation, that too will be forfeited in accordance with our custom order cancellation policy.

  • John forgot to make his account payment again in September. This time he missed the payment request email altogether and then left for vacation. Upon returning, the deadline for his cancellation notice had passed and he had already received verification that his lay away purchase agreement was terminated.

  • The 10% signup fee of $10, and his August late fee of $10 both remained non-refundable.

  • He paid $25 for June, July and August, for a total of $75, of which $48.75 has been refunded.

• Customers who have a lay away agreement terminated will be banned from entering into another lay away purchase agreement for a minimum of 12 months. Once the ban has been lifted, they will be required to pay a penalty of an addition 5% towards their next lay away agreement signup fee, for a total of 15% instead of the regular 10%. Once they have successfully completed the lay away agreement, they will be considered to be a customer in good standing and no further penalties will be required so long as they remain in good standing.

• Any customer that defaults on a lay away purchase agreement twice will be banned from this service for life.

• Any customer that tries to defraud, scam, trick or otherwise lie to Twisted Leather Creations, in order to bypass penalties, fees, a ban, etc will be banned from our products and services for life.

We here, at Twisted Leather Creations encourage you, the customer, to maintain an open line of communication with us. This is a service intended to help our customers, and sometimes life happens, mistakes are made, and the unexpected takes control. Our policies are written to inform and guide you, the customer, and protect us, the business, but if you ever run into problems, please feel free to reach out to us. Our customers are important to us. If we can, at our discretion, we'll help you find a solution that works for both of us.

Pre-Pay Payment Plan:

When you want an easier way to afford the exact product of your dreams -

• A lay away service that's designed for those who choose to pay ahead of time for custom designs and purchases.

• Customers are required to pay a non-refundable signup fee of $10, in addition to 10% of the chosen goal amount.

  • For example, if the goal is to place a custom order that totals $250 (including tax and S&P), then the customer would be required to pay $35 at startup ($10 signup fee, and the 10% of the $250 goal).

  • Once paid, the initial $25 payment will be the starting balance towards the pre-pay account.

• Customers will then be required to make a minimum monthly payment of $15 each month on the day their payment is assigned at the time of their enrollment.

• Failure to pay a minimum monthly payment on, or before, the date assigned at the time of enrollment will reduce your pre-pay account by $5 per day, for a maximum of ten days.

  • Should late fees cause an account to go into a zero balance, the account will automatically be closed without further fees or action.

  • A closed account will not result in any negative penalties or prevent a customer from signing up for another pre-pay account plan in the future.

• After ten days past due, if a minimum payment has not be made, the account will then go into default and will no longer be active.

  • An inactive account will not accrue any further fees, but will remain pending for a maximum of 90 days inactivity. At which time, the remaining balance (minus a one time reversal fee of 10% of the remaining balance) will be returned to the original account holder.

  • Any inactive account can be reactivated by paying the same 10% of the initial chosen goal and simply resuming the minimum monthly payments.

  • A reactivated account will once again be subject to the same policies and potential late fees as it was when it was first enrolled.

• The status of a person's pre-pay account will have no affect on the availability of TLC's other products and services.

• All pre-pay accounts fall under the full protection of our privacy policy and we will not confirm or deny the participation of any customer in a pre-pay plan.

  • Any pre-pay plan will be designated by the name and email provided to us at the time of signup. You will be responsible for not losing or forgetting this information as all communications will be submitted through the provided email address.

  • Should you need to update the email address, you will need to communicate this to us through the currently assigned email address used for the pre-pay account.

• As always, life happens, and we encourage our customers to reach out to us should anything happen to see if we can possibly make arrangements. It's never a guarantee, but you never know if you never try.