SPARK OF SPIRIT LAYAWAY POLICY

Spark of Spirit is pleased to offer a Layaway Program for our clients.  This is how it works:

1.         Layaway is available on any order that totals $20.00 or more.

2.        Initial deposit must be at least 20% of the total. The entire 20% deposit must be received before the item will be pulled from stock.

3.        Spark of Spirit will hold layaway items for a period of no more than 60 days.

4.        Only 2 open layaways at any given time. 

5.        One item may be added to an open layaway.  A 20% deposit will still need to be paid.  The layaway hold time will not change.

6.        Items placed on layaway will not be displayed or offered for sale during this time.

7.        Layaway may be cancelled within fourteen days of receipt of deposit. After fourteen days a $10.00 service charge will be deducted from the refund. Refund will be in the form of a merchandise credit. NO EXCEPTIONS.

8.        All cancellations must be received in writing.

9.        Upon receipt of layaway deposit, Spark of Spirit will issue a layaway confirmation receipt stating date placed on layaway, amount due, and final payment due date.

10.    Any layaway not paid in full within the 90 day period will be placed back into stock unless other arrangements have been made. A refund minus a $25.00 service charge will be issued in the form of a merchandise credit for all layaways not picked up.

11.     Payment must be made in full before any items will be shipped.

12.    Items purchased may be returned within 10 days for a full refund minus a $25.00 service charge (assuming items are in the same conditions as when sold). All refunds will be issued in the form of a merchandise credit.

13.    Layaways must be initiated at the store location.  Payments can be made at the store by cash or credit card or over the phone with a credit card.

14.    Layaway pricing does not include shipping or handling charges.

15.    By putting an item on layaway and making a deposit, you agree to these terms.


CLIENT HOLDS

If there is something special you want to purchase but need a few days, we will be happy to place it on hold for 48 hours.  You will need to pay for the item in full within 48 hours to avoid it being put back on the sales floor.