What is Afterpay?
Afterpay is an Australian payment service which allows you to shop online and enjoy your purchase straight away while paying off your balance over 4 fortnightly instalments, interest free.
You'll simply need
- A valid debit or credit card
- To be 18 years or over
- An Australian residential address
How does it work?
1. Add your items to the cart
2. Select Afterpay at checkout (you will be redirected to the afterpay website): i) If you are a first time Afterpay user you will need to register and make your first payment at time of purchase, with the remaining three installments deducted automatically each fortnight for six weeks. There are no long forms and Afterpay offers instant online approval. ii) If you have used Afterpay before you will need to long in and confirm your payment. Your first installment will then be 14 days after the date of purchase.
When will my order be dispatched if I use Afterpay?
All orders placed by 4pm Sydney time on business days will be dispatched that day with our express courier. Click here for more information about our FREE express shipping.
What if I want to return part or all of my order?
You can return part or all of your purchase to CostumeBox with our FREE 100 day no worries return policy. Simply click here to book your FREE online return and once we have processed your goods we will notify Afterpay. Afterpay will process your refund immediately and send you a confirmation email that the refund had been applied. The bank may take up to 48 hours to refund the funds.
1) If you are returning your entire order and have already made one or more payments, the total amount will be refunded to your debit/credit card.
2) If you are returning only part of your order, the refund amount will be deducted from your final installment(s). For example, let's say you made a $200 purchase using Afterpay (4 installments of $50 each) and wish to return items worth $120. Once we have received your return items we will notify Afterpay that your return has been processed and your 3rd and 4th installments will be canceled & your 2nd installment would be amended to $30. Your new payment schedule would become 2 payments (instead of 4) of $50 & $30. If you have already may payments over these amounts, a refund for the difference will be applied to your debit/credit card. You can log in to Afterpay at any time to view your updated payment plan.
Please note that at any time, you can log in to your Afterpay account to view your payment schedule and make voluntary payments before the due date. We will notify Afterpay of your return once we receive your goods & verify you have complied with our return policy, usually within 1-2 business days of receiving your item. If you book your FREE return online and have a payment installment scheduled at that time (or before your parcel reaches us), the payment will be deducted as normal and you will be refunded the difference if necessary once Afterpay have been notified of your return. If there is insufficient funds on your debit/credit card when an installment is scheduled to be deducted, After pay will charge a late payment fee of $10. If the payment remains unpaid 7 days later a further $7 will be deducted. If you wish to reschedule a payment to another day please contact Afterpay directly. For more information about Afterpay terms and conditions, visit www.afterpay.com.au/faqs.
Terms & Conditions
INFORMATION REGARDING BANK PRE-AUTHORISATIONS:
(a) As part of our credit check process and to ensure you have the means to repay us, we reserve the right to conduct a pre-authorisation with your bank. This involves placing funds in your account on 'hold' - an amount which will not exceed your total payments owed to us. We immediately instruct your bank to void this pre-authorisation. No funds are taken during this process.
(b) We cannot guarantee the time it takes for your bank to process this action by us and make your funds available.
1. This Agreement
Welcome to afterpay.com.au (the site). We set out below the terms and conditions of your use of, and access to, the Service. Please read these terms and conditions carefully, as they impose rules, obligations and other responsibilities on you in respect to the Service.
1.1 Parties to this Agreement
This Agreement is a contract between you ('you' or 'your') and Afterpay Pty Ltd ACN 169 342 947. It sets out the terms and conditions that apply to your use of our Products. You agree that your use of our Products shall constitute your acceptance of this Agreement.
If you do not want to be bound by this agreement, you must stop using our Products. The Agreement will continue to apply to your previous use of our Products.
Before you create an account with us or use any of our Products, you must read any policy updates on our website. All future changes set out in a policy update are incorporated by reference into this Agreement. The changes will take effect on the date specified.
1.2 Policies to be incorporated by reference The following policies of Afterpay are incorporated into this Agreement by reference:
We recommend that you store and print a copy of this Agreement and any policy identified above, the incorporated policy will prevail.
1.3 Changes to this agreement
(a) Afterpay may amend this Agreement at any time and without notice to you, for example, if we change the functionality of our Products, introduce new products, or as required by law.
(b) We will post any revised version of this Agreement on our website. With the exclusion of any substantive changes, the revised Agreement will take effect as soon as it is posted on our website.
(c) If we make any substantive changes to this Agreement which may negatively impact your use of our Products in a material way, we will post a notice of those changes on our website and email you a notification. You agree to receive such notices in this way. These changes will take effect on the date specified on our website, which will be at least 14 days after we send the notification email to you.
(d) By continuing to use our Products after any amendments to this Agreement, you agree to abide and be bound by any changes. If you do not agree with any changes we make to this Agreement, you may terminate this Agreement by ceasing to use our Products, paying off any outstanding amounts owing to us, and closing your Afterpay Account.
(e) Afterpay may decide to change this agreement including any applicable fees and charges from time to time. Such changes may be the result of changes to the functionality of our products and services or if required by law. Afterpay will post updates to this agreement on our website. such changes will be effective immediately.
2. Our Relationship
2.1 About us
(a) Our products allow you to buy goods or services offered by online merchants with whom Afterpay partners ("Retailers"). More information about our Products can be found at the FAQ section on our website (https://secure-afterpay.zendesk/hc/en-us/sections/200576115-FAQ).
(b) By placing an order with a Retailer by using our Products, you provide us with affirmative consent and direction to pay the Retailer on your behalf in exchange for your agreement to repay the agreed amounts, n the dates outlined in your Payment Schedule, plus any additional applicable Fees, including Late Fees if you miss a repayment to us.
(c) You acknowledge that we do not have any control over, and are not responsible or liable for, the products or service purchased from Retailers paid for with our Products. We cannot ensure that a Retailer you are dealing with will complete the transaction.
(d) Afterpay does not:
- Enter into a partnership, joint venture, agency or employment relationship with you;
- Guarantee the identity of any Retailer;
- Determine if you are liable for any taxes; or
- Collect or pay any taxes that may arise from your use of our Products. This does not apply to late fees.
(a) We do not give any express warranty as to the suitability of our Products.
(b) We do not give any implied warranties, except for those implied under any applicable legislation or regulations.
- Live in Australia;
- be an individual who is at least 18 years old;
- be capable of entering into a legally binding contract;
- have a valid and verifiable email address;
- have access to a Payment Method, for example by being;
- the holder of an existing financial account with an ADI; or
- the holder of a Card
3. Your Afterpay Account
3.1 Creating your Afterpay Account
(a) We will create your Afterpay Account when you place your first order with any one of our Retailers.
(b) Once your Afterpay Account is created, you will be prompted to choose and enter a secure password. You may subsequently access your Afterpay Account, using your secure password, through our website (www.afterpay.com.au).
(c) You are responsible for maintaining security of your Afterpay Account details. We will not take responsibility for unauthorised access and use of your Afterpay Account.
3.2 Your obligations to us as a holder of an Afterpay Account
By holding an Afterpay Account with us, you agree that you must:
(a) Pay any applicable Fees associated with your use of our Products and your Afterpay Account;
(b) Not providing us with any information that is false, inaccurate or misleading;
(c) Ensure any information about you, including your contact details, is true, current and complete. If your information changes, you must update it through your Afterpay Account via our website;
(d) Provide to us in a timely manner all documentation relating to your identity or the identity of those with authority t operate your account; if requested by us;
(e) Not use your account or our Products for any unlawful, fraudulent or improper activity;
(f) Cooperate fully with us to investigate any suspected unlawful, fraudulent or improper activity on your Afterpay Account;
(g) Be aware of and pay any taxes that may apply to your use of our Products; and
(h) Not permit other to use your Afterpay Account, or allow anyone else to have or use your account password details;
(i) Not use any technology (device, software or hardware) to damage, intercept or interfere with our Products;
(j) Immediately contact us if you believe that your Afterpay Account may be subject to an unauthorised transaction, account takeover or other types of fraudulent activity or security breach;
(k) Not create liability for us or cause us to lose (in whole or in part) the services of our Retailers;
You authorise us to disclose Card-related profile and purchase behaviour information to Card Schemes for the purpose of eliminating fraud and illicit behaviour.
3.3 Closing your Afterpay Account
(a) We may at our sole discretion at any time for any reason, including a breach of this Agreement, limit your access to our Products or suspend or close your Afterpay Account, by providing notice to you. All amounts owed to us by you will immediately become payable to Afterpay upon termination of the Agreement.
(b) This Agreement will be terminated once your Afterpay account is closed, expect that your obligations to make payment of all monies owing to us will survive any termination or expiry of this Agreement.
(c) You may request to close your Afterpay Account by contacting us directly. You may only request to close your Afterpay Account if:
- all amounts owing to us by you (including any Late Payment Fees) have been paid in full to us
- no disputes or refunds are in progress
4. Orders, Payments and Billing
(a) All orders which you place with Afterpay are subject to approval by Afterpay, at our sole discretion. We may choose not to approve an Order or provide a Product to you at any time for any reason.
(b) Once you place an order with us, you will receive vai email from us confirmation of receipt of your order and Payment Schedule.
(c) You agree to ensure that timely payment(s) are made in accordance with the Payment Schedule. You may make early payments through your Afterpay Account, otherwise, Afterpay will automatically process payments in accordance with the due dates stated on the Payment Schedule. You authorise Afterpay to process such payments using the Payment Method details provided by you. If an automatic payment fails on any of the dates specified in your Payment Schedule, Afterpay reserves the right to re-attempt to process the payment at a later date.
4.2 Automatic Payments
(a) An 'Automatic Payment' is a payment, through the Payment Method you have chosen, that we will automatically charge directly to your nominated credit or debit card or bank account ('Nominated Payment Source') on a one-time or regular basis in agreed upon amounts as outlined in your Payment Schedule, You will have the option to select a preferred Payment Method and Nominated Payment Source when your Afterpay Account is being created. You can update or change your preferred amounts from your Nominated Payment Source or Payment Method at any time via your Afterpay Account.
- Debiting your Nominated Payment Source at a later date;
- Debiting any other Payment Source as provided by you;
- Offsetting the payment amount against any amounts we may owe to you; or
- Any other legal means.
(a) If you decide to return goods to a Retailer, which have been pruchased using our Products, and request a refund, you will directly arrange a return with the Retailer, ensuring that the goods are returned unused and in saleable condition according to the Retailer's returns policy.
(b) It is your responsibilty to notify to Retailer if you intend to return any goods. the return must be completed within the period specified and in the manner required by the Retailer's returns policy.
(c) Unless we are notified y a Retailer that a return and refund is in progress, we will contiinue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.
(d) Until such time that the Retailer has confirmed the return of the goods and has issued to us for those goods, you will remain liable to us for the full payment of the goods, in accordance with your Payment Schedule
6. Credit Limits and Checks
6.1 Credit limits
(a) We will assess, at our sole discretion, a credit limit for your Afterpay Account. We will notify you of your credit limit after you Afterpay Account is created and activated. We reserve the right to change your credit limit at any time by providing notice to you.
6.2 Credit and identity checks
(a) You authorise us to make, directly or through third parties, any enquiries we consider nexcessary to verify your identity. This may include ordering a credit report, performing other credit checks and verifying information you provide against third party databases.
(c.) You authorise Afterpay (or any third parties providing service on behalf of Afterpay) to disclose to third parties, to the extent required by any applicable laws or regulations, any infomraiton in relation to you or your Afterpay Account. In addition, you acknowledge that Afterpay may report any negative activity on your Afterpay Account (including late payments, missed paymetns, defaults or changebacks) to credit reporting agencies.
7. Our Intellectual Property
(a) Our Websites and all content on our Websites are the exclusive propary of Afterpay. The information on our Websites is for information purposes only and is subject to chagne without notice.
(b) You must not copy, imitate, modify, alter, amend or use without our prior written consent any URLs representing our website, or any content, logos, graphics, icons or other content published on our website or in our printed media.
(c) You grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sub-licencable right to exercise your copyright, publicity and datebase rights so we may adequatley provide our Products to you.
(d) Afterpay does not own, control nor have responsibilty or liability for any third party software applicatoin you elect to us on our Websites and/or in connection with out Products.
8. Complaints and Disputes
8.1 Disputes between you and a Retailer
(a) If you have a dispute with a Retailer, you should file a dispute through direct contact with the retailer in the first instance or through the Resolution Centre by logging into your Afterpay Account.
(b) Whilst Afterpay will endeavour to facilitate communication between you and the Retailer to enable a resolution to all disputes, the outcome of your disputes with Retailers will not affect Afterpay's rights and remedies under this Agreement or your obligation to meet any payments due to us.
8.3 Disputes between you and us
(a) we aim to:
- Acknowledge receipt of all complaints within 5 business days.
- Resolve all complaints within 45 business days.
9. Notices and Communications
- serving it personally at, or sending it by post to your nominated contact address listed on your Afterpay Account;
- sending it to you via other electronic methods of communication using contact details listed on your Afterpay Account (including text messages)
- posting it on our Websites
- contact you for marketing purposes (or any third party providing services on behalf of us) may monitor or record telephone conversations or electronic communication for quality control and training purposes or for Afterpay's own protection. Afterpay does not provide any guarantee that any such monitoriing or recording will be retained or retrievable.
- Try Before You Pay - receive goods and then pay for them 30 days after you ordered them
- Pay Over Time - pay for goods over 4 instalment payments with a 60 day period
Websites means www.afterpay.com.au, www.secure-afterpay.com and www.secure-afterpay.com.au
Late Payment Fee means the fee set out in Schedule 1 that you are liable to pay to Afterpay for each time that a payment is due from you but not received by Afterpay in accordance with the payment Schedule.
Nominated Bank Account means the back account you hold with an ADI that you link to you account.
Other Fees or Charges: Nil