HELP HUB

1. The maximum term for a Lay-Bye purchase is 6 months.

2. All payments made will be in US Dollars and will be held by Halsted Builders Express in a US Dollar denominated Nostro account until the transaction is completed.

3. It is better to pay equal instalments, but any payments will be accepted.

4. Lay-Bye customers are welcome to make accelerated payments on their Lay-Bye accounts, and do not have to stick to any set term, as long as the payment period does not exceed 6 months.

5. In order to open a Lay-Bye, account the customer will need to pay a minimum deposit of 30% (in US Dollars) of the discounted indicative purchase price of what he wishes to buy, which would be expressed in US dollars. The higher the deposit that the customer pays the less he will have to pay off with his monthly instalments.

6. No interest is payable on the credit balance of any Lay-Bye account, and all Lay-Bye purchases are interest free.

7. Only specific goods are available for purchase by Lay-Bye account, agreed with store and as attached quotation.

8. Goods purchased may not be collected or delivered until full payment has been made, including any delivery fee, if applicable.

9. Goods will be available for collection or delivered to the customer within 48 hours of the final payment being made, subject to stock availability.

10. We do not reserve the goods purchased on Lay-Bye accounts. In the vast majority of cases the relevant goods, or adequate substitutes, will be available for delivery to the customer on receipt of the final Lay-Bye payment but this may not always be the case.

11. In the event that the goods purchased are out of stock or no longer available the customer may select alternative goods to the US Dollar value of the credit in his Lay-Bye account, subject to the discount price of that day, alternatively the customer may elect to be refunded in US Dollars to the value of the credit in his US Dollar Lay-Bye account.

12. Should the customer choose to cancel his account, or the purchase price is not paid up within the maximum 6-month period, the customer will be refunded in US Dollars the value of the credit in his Lay-Bye account, less an administrative fee of 10%.

13. Halsted Builders Express reserves the right to pay the USD refund via Nostro account or whatever currency is deemed legal tender at the time of making such refund.

14. Lay-Bye payments can be paid in US Dollar cash in the Branch, or by way of US dollar denominated credit card, or by direct deposit into Halsted Builders Express Nostro US dollar Bank Account.

15. It is specifically recorded that payment of the initial deposit creating the Lay-Bye account does not constitute an agreement of sale between the parties. The agreement of sale is only concluded once the final payment of the purchase price has been made and an invoice has been raised.

16. The price payable on all goods purchased on US Dollar Lay-Bye accounts is the US Dollar price prevailing at the time the account is created, which is fixed for the duration of the account.

17. Failure to make scheduled lay-by payments constitutes a breach of the lay-by agreement. The supplier may, upon reasonable notice, cancel the agreement and retain a portion of the funds already paid as a cancellation fee.

18. If any legislation, rule or law is introduced by the Zimbabwean Government prohibiting or otherwise affecting the operation of this account, Halsted Builders Express will have the right, at its sole and unfettered discretion, to convert my account to an RTGS Dollar account (or any other local currency that may have been introduced in its place). The conversion will be calculated at the prevailing exchange rate applied by Halsted Builders Express on the date of introduction of the said legislation, rule or law.

19. This contract requires the presentation of a valid government-issued identification document by the signatory. Any goods associated with this agreement shall only be released to the individual whose identity matches the provided and verified identification.