User

This agreement (the “Agreement”) is made between J.C.’s (the “Store”) and the customer (the “Customer”) who wishes to purchase merchandise through the Store’s layaway program. By signing this Agreement, the Customer agrees to all terms and conditions set forth herein.

1. Layaway Plans: The Store offers three layaway plans: weekly, bi-weekly, and monthly.
2. Deposit: A deposit of 20% of the total cost of the merchandise (the “Deposit”) is required to start a layaway. The Deposit is non-refundable after 30 days.
3. Payment: The Customer is required to make payments on the layaway every week, every two weeks, or every month, depending on the chosen layaway plan. All payments are due on the agreed upon schedule and can be made in-store or online.
4. Refund Policy: If the Customer decides to cancel the layaway within the first 30 days, the Deposit will be refunded. After 30 days, the Customer will be issued an in-store credit for the full amount of the Deposit and any payments made. The in-store credit is valid for 6 months from the date of issuance and will be forfeited if unused during this period.
5. Default: If the Customer fails to make payments for two consecutive months, the Deposit and any payments made will be issued as an in-store credit. The in-store credit will be valid for 6 months from the date of issuance and will be forfeited if unused during this period.
6. Special Orders: Special orders can be placed into layaway, but items will not be ordered until 50% of the layaway total is paid. Any cost adjustments will be made accordingly if the price of the item ordered increases between the original purchase date and 50% of layaway price paid.
7. Interest Fees and Service Charges: The Store does not charge any interest fees or service charges for layaway purchases.
8. Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State where the Store is located.
9. Entire Agreement: This Agreement represents the entire understanding between the Store and the Customer with respect to layaway purchases and supersedes all prior negotiations, understandings, and agreements between the parties.
10. Modification: This Agreement may not be modified or amended except in writing signed by both parties.

By signing below, the Customer acknowledges and agrees to the terms and conditions set forth in this Agreement.

CUSTOMER SIGNATURE: _______________________________

DATE: _______________________________

STORE REPRESENTATIVE: _______________________________

DATE: _______________________________