Lay-Bys are offered by LaNoir Saddleworld – please see below for the full terms and conditions. 

• The lay-by period is for a maximum of four weeks.
• A deposit must be a minimum of 20% of the total purchase value.
• The minimum lay-by sale is $100.
• The cancellation charge on a lay-by is 20% of the total purchase price.
• There are no returns or exchanges on lay-by items with the exception of faulty goods or in accordance with your legislated rights.
• The customer or the store has the right to cancel a lay-by.
• If the customer cancels the lay-by within four weeks they have the right to a refund of the payments made, less the cancellation charge.
• If the store cancels the lay-by within four weeks the customer will be given seven days notice and will be entitled to a full refund of all payments made.
• Customers will be contacted for all lay-bys that are not completed by the due date. After the due date the lay-by will be cancelled and the customer will be given a refund for their payments made, less the cancellation charge.
• The cancellation charge is applied to compensate the retailer’s selling, storage and administration costs.
• Any items placed on lay-by cannot be altered until the lay-by has been paid in full.
• No items can be taken by the customer until the entire lay-by has been paid in full.
• In the lead up to the end of season, LaNoir Saddleworld may be unable to offer its lay-by service. Pre existing lay-bys will not be affected.
• Sale items are not eligible for the lay-by service.