Payment Plan - Terms & Conditions

1. PAYMENT PLAN OVERVIEW

Votre Luxe offers an in-house payment plan option ("Pay in 4") that allows customers to secure authenticated luxury items and split the total purchase price into four (4) equal payments over a four (4) week period.

Key Features:

  • Available on purchases of AUD $1,000 or more
  • 4 equal weekly payments
  • 4% service fee applied to total purchase price
  • Item dispatched upon completion of final payment
  • Option to pay out remaining balance early at any time

2. ELIGIBILITY

To use Pay in 4, you must:

  • Be at least 18 years of age
  • Have a valid Australian billing address
  • Provide a valid email address and phone number
  • Agree to these Terms and Conditions

Votre Luxe reserves the right to decline any Pay in 4 application at our discretion.

3. HOW PAY IN 4 WORKS

3.1 Payment Structure

When you select Pay in 4 at checkout:

  • A 4% service fee is added to your item's purchase price
  • The total amount (item price + 4% fee) is divided into 4 equal payments
  • Payments are due weekly (every 7 days) from your initial payment date

Example:

  • Item price: $4,000
  • Service fee (4%): $160
  • Total amount: $4,160
  • Payment schedule: 4 weekly payments of $1,040 each

3.2 First Payment

Your first payment is due at the time of purchase and confirms your order.

3.3 Subsequent Payments

Payments 2, 3, and 4 are automatically charged to your nominated payment method every 7 days following your initial payment.

3.4 Payment Methods

We accept:

  • Credit cards (Visa, Mastercard, American Express)
  • Debit cards

Your payment method will be securely stored and automatically charged on each due date.

4. EARLY PAYMENT

You may pay out your remaining balance in full at any time without penalty.

Once payment is received, your item will be prepared for dispatch.

Please note: The 4% service fee is non-refundable, even if you choose to pay out early.

5. ITEM SECURITY & DISPATCH

5.1 Item Reservation

Once your first payment is received, your selected item is reserved exclusively for you and removed from available inventory.

5.2 Dispatch Policy

Your item will be dispatched within 2-3 business days following receipt of your fourth and final payment, or upon receipt of early payment in full.

Important: You will not receive the item until all payments have been completed. This is not a layby service. The item remains the property of Votre Luxe until payment is completed in full.

5.3 Shipping

  • Free express shipping is included on all Australian orders
  • Tracking information will be provided once your item is dispatched
  • Shipping timeframes commence only after final payment is received

6. MISSED OR FAILED PAYMENTS

6.1 Payment Reminders

We will send you email reminders before each scheduled payment.

6.2 Failed Payment Attempts

If a scheduled payment fails:

  • We will notify you immediately via email and SMS
  • You will have 48 hours to update your payment method and complete the payment
  • We will attempt to process the payment again after 48 hours

6.3 Repeated Missed Payments

If payment fails twice, or if you miss a scheduled payment by more than 7 days:

  • Your Pay in 4 agreement will be cancelled
  • Your order will be voided
  • The item will be returned to available inventory
  • Any payments already made will be refunded minus a 20% administration fee
  • You may be restricted from using Pay in 4 in the future

7. CANCELLATIONS & REFUNDS

7.1 Customer-Initiated Cancellation (Before Final Payment)

If you wish to cancel your Pay in 4 agreement before completing all payments:

  • You must notify us in writing via email to info@votreluxe.com.au
  • Any payments already made will be refunded minus a 20% administration fee
  • The 4% service fee is non-refundable
  • The item will be returned to available inventory
  • This cancellation policy applies only while the payment plan is active (before you receive the item)

7.2 Votre Luxe-Initiated Cancellation

Votre Luxe reserves the right to cancel a Pay in 4 agreement if:

  • Payments are consistently late or missed
  • Fraudulent activity is suspected
  • The item becomes unavailable due to unforeseen circumstances (e.g., authentication issues, damage)

If we cancel your agreement:

  • You will be notified immediately
  • All payments made will be refunded in full (including the 4% service fee)
  • No administration fee will be charged

7.3 Refund Processing

All approved refunds will be processed within 5-10 business days to the original payment method.

8. RETURNS & AUSTRALIAN CONSUMER LAW

8.1 Your Rights Under Australian Consumer Law

Nothing in these terms and conditions excludes, restricts, or modifies your rights under the Australian Consumer Law (ACL) or any other applicable consumer protection legislation.

Under the ACL, you have guaranteed rights including:

  • Goods must be of acceptable quality
  • Goods must match their description
  • Goods must be fit for any specified purpose

If goods fail to meet a consumer guarantee, you are entitled to a remedy which may include repair, replacement, or refund as appropriate under the ACL.

8.2 During Payment Period

Once you have commenced a Pay in 4 agreement, you cannot exchange the item for another item. If you wish to purchase a different item, you must cancel your current agreement (subject to the cancellation terms in Section 7.1) and place a new order.

8.3 After Receiving Your Item

IMPORTANT: Once you have received your item (after completing all 4 payments), the standard returns policy applies. You cannot cancel your Pay in 4 agreement after receiving the item.

Major Failures (Australian Consumer Law):

If your item has a major problem (as defined by the ACL), you are entitled to:

  • A replacement item of the same type, or
  • A full refund to your original payment method (including the 4% service fee)

A major problem exists if:

  • The item has a problem that would have stopped someone from buying it if they had known about it
  • The item is significantly different from the description or sample shown
  • The item is substantially unfit for its common purpose and cannot easily be fixed within a reasonable time
  • The item does not do what Votre Luxe said it would, or what you asked for and cannot easily be fixed within a reasonable time
  • The item is unsafe

Minor Failures (Australian Consumer Law):

If the failure is minor and can be fixed within a reasonable time, we will offer to repair the item at our expense. If we cannot fix it within a reasonable time, you can choose:

  • A full refund to your original payment method, or
  • A replacement item

Change of Mind (Not Covered by ACL):

Change of mind returns are a voluntary courtesy policy and are not required under Australian Consumer Law.

For change of mind returns ONLY:

  • Returns must be requested within 7 days of receipt
  • Items must be in unworn, pristine, unused condition with all original packaging, tags, dust bags, boxes, and authentication documents intact
  • Items must show no signs of wear, handling marks, scuffs, scratches, or any alteration
  • All protective films, stickers, and seals must be intact
  • A 10% restocking fee applies
  • Store credit only will be issued (no expiry date, can be used on any future purchase)
  • No monetary refund will be provided for change of mind returns under any circumstances
  • Return shipping is at your expense
  • We reserve the right to refuse change of mind returns if items are not in original, unworn, pristine condition
  • Photos may be required before return authorisation is granted
  • Items must be returned within 3 days of return authorisation

The following are NOT considered change of mind and may be eligible for monetary refund under ACL:

  • Item does not match the description provided
  • Item has undisclosed defects or damage
  • Item is not of acceptable quality
  • Authentication concerns
  • Item received is different from what was ordered

Authentication Guarantee:

In the unlikely event of an authentication issue:

  • A full monetary refund to your original payment method (including the 4% service fee) will be provided immediately
  • Return shipping is at our expense
  • Our authenticity guarantee applies to all purchases
  • This is not considered a change of mind return

Misrepresentation or Undisclosed Defects:

If the item has defects, damage, or condition issues that were not accurately disclosed in the product description or photos:

  • This is covered under Australian Consumer Law, not change of mind
  • You may be entitled to repair, replacement, or refund as appropriate
  • You must report the issue within 48 hours of receiving the item
  • Photographic evidence must be provided showing the undisclosed defect
  • We will assess whether the issue was adequately disclosed in the original listing

8.4 Abuse of Returns Policy

To protect the integrity of our business and prevent fraudulent returns:

  • Items showing any signs of use, wear, or handling beyond inspection will be rejected for change of mind returns
  • Items returned in damaged packaging or without complete original packaging, authentication cards, dust bags, or boxes will be rejected
  • If an item is returned as "change of mind" but shows signs of use, the return will be rejected and the item returned to you at your expense
  • Customers who repeatedly purchase items and return them for change of mind may have their return privileges revoked and may be banned from using Pay in 4
  • Any attempt to claim a change of mind return as a consumer guarantee claim when no defect exists may result in the return being rejected
  • Making false claims about item condition, authenticity, or defects to obtain a monetary refund instead of store credit may result in legal action

We reserve the right to:

  • Request detailed photos before authorising any return
  • Inspect all returned items before processing any refund or store credit
  • Reject returns that do not meet our pristine condition requirements
  • Charge a return shipping fee if an item is returned to you due to not meeting return conditions
  • Restrict or ban customers from future purchases if return policies are abused

8.5 Return Process

To initiate any return or report a fault:

  1. Contact us within 7 days of receipt for change of mind, or within a reasonable time for ACL claims:
  2. Provide:
    • Your order number
    • Detailed description of the reason for return
    • Clear photographs of the item, all packaging, tags, and any claimed defects
    • Proof of purchase
  3. State clearly whether this is:
    • A change of mind return (store credit only)
    • A consumer guarantee claim (potential monetary refund)
    • An authentication concern (monetary refund)
  4. Await return authorisation and instructions before sending anything back
    • Do not return any item without prior authorisation
    • Unauthorised returns may be rejected
  5. Once authorised, return item with tracking as directed:
    • You must use tracked shipping
    • You are responsible for the item until we receive it
    • Return shipping is at your expense for change of mind returns
    • Return shipping is at our expense for ACL claims and authentication issues
  6. We will inspect the returned item within 3-5 business days of receipt
  7. For approved returns:
    • Change of mind: Store credit issued within 5-7 business days minus 10% restocking fee
    • ACL claims: Appropriate remedy (repair, replacement, or refund) within 5-10 business days
    • Authentication issues: Full monetary refund within 2-3 business days

For consumer guarantee claims:

  • We will assess your claim based on ACL requirements
  • We may request additional information or evidence
  • We will advise of the appropriate remedy within a reasonable timeframe
  • If we dispute your claim, we will provide reasons in writing

8.6 Proof of Purchase

Your order confirmation email and payment receipts serve as proof of purchase. Please retain these records.

9. AUTHENTICATION & CONDITION

All items purchased through Pay in 4 are subject to our authentication and quality standards:

  • Every item is professionally authenticated by our expert team
  • Items are accurately described and photographed
  • All known defects or condition issues are disclosed in product descriptions and photos
  • Our authenticity guarantee applies to all purchases
  • Items meet our minimum condition standard

Condition Disclosure:

  • We photograph all items from multiple angles
  • Any wear, marks, scratches, or defects are noted in the product description
  • Vintage or pre-loved items may show signs of previous use as disclosed
  • It is your responsibility to review all photos and descriptions before purchasing

If you believe an item does not match its description or has undisclosed faults, you must contact us within 48 hours of receipt with photographic evidence.

10. COMMUNICATION & CONSENT

By using Pay in 4, you consent to receive:

  • Payment reminders via email and SMS
  • Payment receipts and confirmations
  • Dispatch notifications
  • Communications regarding your payment plan or order status

You may not opt out of these transactional communications while you have an active Pay in 4 agreement.

For marketing communications, you may opt out at any time via the unsubscribe link in emails or by contacting us.

11. PRIVACY & DATA SECURITY

Your personal and payment information is:

  • Collected, used, and stored in accordance with the Privacy Act 1988 (Cth)
  • Stored securely using industry-standard encryption
  • Used only for processing your Pay in 4 payments and fulfilling your order
  • Not shared with third parties except as required for payment processing or as required by law
  • Subject to our Privacy Policy available at votreluxe.com.au

You have the right to access and correct your personal information held by us.

12. LIABILITY & DISCLAIMERS

12.1 Service Availability

While we strive to ensure Pay in 4 is always available, Votre Luxe reserves the right to:

  • Suspend or discontinue the Pay in 4 service at any time with reasonable notice
  • Modify these terms and conditions (existing agreements remain subject to original terms)
  • Limit Pay in 4 availability to certain items or customers at our discretion

12.2 Customer Responsibility

You are responsible for:

  • Ensuring sufficient funds are available for each scheduled payment
  • Maintaining an active and valid payment method
  • Updating your payment details if your card expires or changes
  • Notifying us immediately of any issues with payments or your account
  • Reviewing payment reminders and confirmations
  • Thoroughly reviewing all product photos and descriptions before committing to purchase
  • Inspecting items immediately upon receipt and reporting issues within required timeframes

12.3 Price Lock

Once your Pay in 4 agreement is confirmed with your first payment, the total price (including the 4% service fee) is locked and will not change, even if the item's listed price changes during your payment period.

12.4 Limitation of Liability

To the extent permitted by law, Votre Luxe's liability is limited to:

  • The resupply of the goods, or
  • Payment of the cost of having the goods resupplied

Nothing in these terms limits your rights under the Australian Consumer Law or other applicable consumer protection legislation.

13. IMPORTANT DISTINCTIONS

Pay in 4 is NOT:

  • A layby service (you do not receive the item until fully paid)
  • A reservation service without commitment (your payment commitment is binding)
  • A loan, credit, or buy now pay later facility regulated under the National Credit Code
  • A service that reports to credit agencies
  • Available for items under $1,000
  • A trial period or rental service

Pay in 4 IS:

  • An in-house payment instalment arrangement
  • A way to secure an item while spreading payments over 4 weeks
  • A binding purchase agreement once your first payment is processed
  • Subject to these specific terms and conditions
  • A voluntary service that may be modified or discontinued
  • A final sale once all payments are completed and item is received

14. DISPUTE RESOLUTION

14.1 Contact Us First

If you have a complaint or dispute regarding your Pay in 4 agreement or purchase:

  1. Contact us first to discuss the issue:
  2. We will work with you in good faith to resolve the matter

14.2 External Dispute Resolution

If we cannot resolve your complaint to your satisfaction, you may contact:

  • Consumer and Business Services SA:
    • Phone: 131 882
    • Website: cbs.sa.gov.au
  • Australian Competition and Consumer Commission (ACCC):
    • Website: accc.gov.au

15. GENERAL TERMS

15.1 Governing Law

These Terms and Conditions are governed by the laws of South Australia, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of South Australia.

15.2 Amendments

Votre Luxe reserves the right to update these Terms and Conditions at any time. Changes will be posted on our website at votreluxe.com.au with an updated effective date.

Existing Pay in 4 agreements will remain subject to the terms in effect when the agreement was created (the date of your first payment).

15.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect to the extent permitted by law.

15.4 Entire Agreement

These Terms and Conditions, together with our standard Terms of Service, Privacy Policy, and Returns Policy, constitute the entire agreement between you and Votre Luxe regarding the Pay in 4 service.

15.5 Waiver

No waiver of any term of these Terms and Conditions will be deemed a further or continuing waiver of such term or any other term.

16. CONTACT INFORMATION

For questions about Pay in 4, your payment plan, or to exercise your consumer rights:

Votre Luxe
50 King William Street
Adelaide, South Australia 5000

Email: info@votreluxe.com.au
Phone: 0459 363 554
Website: votreluxe.com.au
Trading Hours: Monday-Friday, 9:00 AM - 5:00 PM ACDT

PAYMENT PLAN SUMMARY

Feature Details
Minimum Purchase AUD $1,000
Service Fee 4% of purchase price (non-refundable)
Number of Payments 4 equal payments
Payment Frequency Weekly (every 7 days)
Total Payment Period 4 weeks from first payment
Early Payment Allowed at any time, no penalty (4% fee still applies)
Item Dispatch After final payment received (within 2-3 business days)
Cancellation Before Receipt 20% admin fee on payments made, 4% service fee non-refundable
Failed Payment Grace Period 48 hours to rectify
Change of Mind Returns Store credit only (10% restocking fee, 7 days, pristine condition required)
Consumer Guarantee Claims Full remedies available under Australian Consumer Law (monetary refund possible)
Authentication Issues Full monetary refund including 4% service fee
Return Authorisation Required Yes - do not return items without prior approval

IMPORTANT CONSUMER RIGHTS NOTICE

Your consumer rights are protected by Australian Consumer Law.

You have guaranteed rights for goods and services purchased from Votre Luxe. These rights cannot be excluded and take priority over any statements in these terms and conditions.

For major failures with goods, you can choose a replacement or refund. For minor failures, we must repair or replace the goods within a reasonable time, or give you a refund if we cannot.

Change of mind returns are NOT covered by Australian Consumer Law and are subject to our store credit only policy.

For more information about your consumer rights, visit: www.accc.gov.au/consumers

By proceeding with Pay in 4, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, including the store credit only policy for change of mind returns, while retaining all your rights under Australian Consumer Law for genuine product faults, misrepresentation, or authentication issues.