BBB file opened:
August 25, 2006
Business started locally:
Business incorporated: 09/01/2009 in FL
Type of Entity
Mr. Bruce Harmon, CFO
Ms. Melissa Valido, Director of Customer Relations
Principal: Mr. Sergio Pinon, Chief Executive Officer
Customer Contact: Ms. Melissa Valido, Director of Customer Relations
Payment Processing Service
and Procedures for eLayaway, Inc.
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.
charged and funds to be collected will be debited from the member’s specified
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
on the account have cleared and are available for return.
or Failed Payments:
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
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.
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.
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)
Returns & Shipment Inquiry:
an eLayaway member wishes to return an item purchased through the eLayawayMALL,
the eLayaway member must contact the eLayaway Customer Support at support@eLayaway.com. 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.
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.
Returns & Shipment Inquiry:
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
a full description of the companies policies and terms & conditions, please