About

Important information

• Believed to be out of business:

  According to information in BBB files, it appears that this business is no longer in business.
• Additional Info:

  Policies
  and Procedures for eLayaway, Inc.
  
  
  
  Payment
  Terms:
  
   
  
  eLayaway
  charges a flat transaction fee on each layaway. The calculation of this fee is
  outlined within the eLayaway Fee Schedule (http://www.elayaway.com/fee-schedule/).
  The applicable fee is non-refundable in the event of a cancellation.
  
  All fees
  charged and funds to be collected will be debited from the member’s specified
  payment method. 
  
  
  
  
  Cancellation
  Fee:
  
  
  
  
  The
  eLayaway cancellation fee charged to members is either $25 or 10% of the price
  of the item placed on layaway;
  
  whichever is less. The remaining balance, less
  the cancelation fee and any applicable transaction fees, is returned to the
  member's bank account (via ACH) upon member requested cancellation and
  confirmation. This refund can take up to 10 business days to reach a member’s
  account. This delay is sometimes necessary to ensure that the most recent
  payments
  
  on the account have cleared and are available for return.
  
  
  
  
  Unsuccessful
  or Failed Payments:
  
  
  
  
  
  If
  any scheduled payment is unsuccessful, eLayaway will assess a $5 NSF
  (Non-Sufficient Funds) fee to the member's account per instance. If a failed
  payment occurs, the unsuccessful payment will automatically be rescheduled at
  the end of the layaway based on the original payment frequency (i.e weekly,
  monthly). The $5 fee will be scheduled on the same day of the next remaining
  payment. In the event that a failed payment occurs on your final payment, the
  final payment and the $5 fee will be rescheduled for the same date. This fee is
  to offset banking fees generated to the Company by the member's failed payment.
  ELAYAWAY IS NOT RESPONSIBLE FOR ANY BANK CHARGES A MEMBER MAY INCUR DUE TO
  FAILED PAYMENTS.
  
  
  
  
  Bank
  Verification: 
  
  
  
  
  All
  eLayaway members are required to verify their bank account prior to completing
  any layaways. Should a layaway be completed and the member’s bank account go
  unverified for a period of 30 days, eLayaway will cancel the member's order and
  all funds will be returned to the member's bank account. This process is done
  to ensure the member's security as well as to verify the member is the true
  account holder. Bank account verification only needs to be completed once for the
  lifetime of the bank account on file.
  
  
  
  
  Scheduled
  Deductions: 
  
  
  
  
  Adjustments
  to a scheduled payment must be submitted two business days in advance of the
  scheduled due date. Scheduled deductions are dictated directly by the member
  and are the sole responsibility of the member to manage. It is the member's
  responsibility to manage any and all adjustments in their payment schedule,
  whether made personally by the member or per the request of the member through
  an eLayaway Customer Service Representative. ELAYAWAY IS NOT RESPONSIBLE FOR
  ANY BANK CHARGES A MEMBER MAY INCUR DUE TO FAILED PAYMENTS.
  
  
  
  
  eLayawayMALL
  Purchases: 
  
  
  
  
  eLayaway
  makes no representation or warranties of any kind, expressed or implied, as to
  the information, content, materials, item(s) and/or service(s) sold within the
  eLayawayMALL. eLayawayMALL item(s) and/or service(s) prices, description and/or
  availability may change at any time during the eLayaway payment process.
  eLayaway is not responsible for notifying the member of the change in information.
  eLayaway reserves the right to fulfill the item or service through an alternate
  channel if the item(s) is out of stock, its price changes, or it is no longer
  available. When confirming the purchase of an item(s) and/or service (s) listed
  in the eLayawayMALL, eLayaway members grant eLayaway the ability to purchase
  the item(s) and/or service(s) from an eLayaway affiliate or authorized
  fulfillment channel once the member has paid for the item(s) and/or service(s)
  in full. 
  
  
  
  
  eLayawayMALL
  Returns & Shipment Inquiry: 
  
  
  
  
  If
  an eLayaway member wishes to return an item purchased through the eLayawayMALL,
  the eLayaway member must contact the eLayaway Customer Support at [email protected]. eLayaway will then
  contact the affiliate to arrange the appropriate return method. eLayaway
  adheres to the refund/return policy of its affiliates and cannot alter it in
  any fashion. eLayaway is not responsible for any incurred fees charged by the
  affiliate in the event of a refund or return. 
  
  
  
  
  Merchant
  Purchases: 
  
  
  
  
  Availability
  of service and payment terms are set by each individual merchant. eLayaway does
  not limit any transaction due to total amount. In the event a merchant cannot
  complete or fulfill the transaction as agreed, the member will receive a full
  refund minus any fees assessed for insufficient funds. eLayaway makes no
  representation or warranties of any kind, expressed or implied, as to the
  information, content, materials or products sold by merchants using the
  eLayaway payment process.
  
  
  
  
  Merchant
  Returns & Shipment Inquiry: 
  
  
  
  
  If
  an eLayaway member wishes to return an item purchased through an eLayaway
  merchant or receive shipment information, the eLayaway member must contact the
  merchant from which they purchased the item.  eLayaway is not responsible
  for any incurred fees charged by the merchant in the event of a refund or
  return. 
  
  
  
  
  For
  a full description of the companies policies and terms & conditions, please
  visit: 
  
  
  
  
  http://www.elayaway.com/compliance/