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Terms and Conditions For: PUT IT ON LAY-BUY 

Layby Terms, agreements and contract

Lay-Buy Financial Solutions Pty Ltd trading as has identified core principles we believe are integral and imperative for all Lay-Buy agreement deals transacted through our PUT IT ON LAY-BUY powered by PayPal checkout payment option to be fair and reasonable per the Fair Trading Act 1999.

The following principles below therefore make up the Terms & Conditions for any Lay-Buy or Layby contract and related transactions entered into. This applies to all and any lay-by contract template utilized by both the vendor or consumer:

  1. Record of Payment
    A record of payments transaction history will always be available for both the merchant and buyer, recording all amounts paid to-date and the date and value of all future pending payments as per your agreed lay-by policy.
  2. Storage, Manufacture and Identification of Lay-Buy Products                                                                                                                          Product’s on Lay-Buy if in stock will be set aside and stored separately to other products. Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification. Unless it is not in stock and has to be Manufactured which will start as soon as the last payment is made and delivery will follow ASAP on completion of production.  
  3. Cancellation of Lay-Buy by Buyer
    The buyer may cancel their LayBy agreement form at any time prior to delivery of products and on delivery of products if the products are damaged by so advising seller in writing or if seller agrees, orally.If a buyer cancels a Lay-Buy, seller will, if so requested by the seller, give the buyer a “cancellation statement” which sets out-
    a) The purchase price of the products; and
    b) Advise customer of the cancellation fee payable to seller under all Lay-By terms and conditions; and
    c) The total amount paid under the Lay-Buy; and
    d) Any amount owing to either the buyer or seller under the layby terms on the cancellation of the Lay-Buy.If seller does not accept the buyer’s oral cancellation it is obliged to give/send the buyer a duly completed Lay-By Form of Cancellation immediately.
  4. Cancellation of Lay-Buy by Seller
    The seller under a Lay-Buy must not cancel it unless –
    a) The buyer breaches a term of the Lay-Buy; or
    b) The seller stops trading; or
    c) The products are no longer available
  5. Cancellation on breach by Buyer
    If a buyer has breached a term of a Lay-Buy and seller intends to cancel the Lay-Buy, before doing so seller must –
    a) Give the buyer notice of seller’s intention to cancel the Lay-Buy; and
    b) Allow the buyer at least 14 days within which to rectify the breach; and
    c) The notice to be given has to be:I) in writing, sent to the buyer’s last known address, or, if the buyer so agrees, orally; and
    II) must specify the breach of the Lay-Buy for which the Lay-Buy is being cancelled; and
    III) must state the time within which the buyer must rectify the breach;
    IV) must state the matters listed per below:* the purchase price of the products;
    * all cancellation charges payable under the agreement; and
    * the total amount paid under the Lay-Buy;
    * any amount owing to either the buyer or seller under the terms of the Lay-Buy on the cancellation of the Lay-Buy.The Lay-Buy is cancelled at the end of the period specified in the notice unless the buyer rectifies the breach before then or Seller agrees not to cancel it.
  6. Cancellation where business closes
    If Seller under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Seller must give notice of the proposal to the buyer and must either –
    (a) allow the buyer 7 days within which to complete the agreement; and
    (b) cancel the Lay-Buy
  7. Cancellation where products not available
    If the products are no longer available, Seller must cancel the Lay-Buy and refund all monies to the buyer.
  8. Effect of Cancellation
    Subject to the above, when a Lay-Buy is cancelled by either party, Seller must refund all money paid within 14 days less minimum of AUD $100 or 30% which ever is greater cancellation/restocking  fee. There are circumstances which prohibit Seller from keeping the cancellation charge. These include but are not limited to, situations where the products are damaged or not delivered or where Seller has breached a term of the Lay-Buy statement.
  9. Cancellation Charge
    Seller shall charge the buyer a minimum of AUD $100 or 30% (which ever is greater) cancellation/restocking  fee  under the terms of all Lay-Buy deals.
  10. Banking Charges back Fees
    The seller shall be entitled to pass-on to the buyer all charge back fees received by any given bank for any given customer charge back from any given Lay-Buy deal.
  11. Service Fee
    Seller shall not charge the customer any interest charges, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as charge an admin fee, which is a once-off 0.9% of the total order value at checkout. The buyer will pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.
  12. Lay-Buy Reporting
    Seller shall have reporting in place for all Lay-Buy deals covering Down Payment made, Lay-Buy period, Frequency of payments required, Payment amount required per installment; and a full record of all payments made to-date (amount and date on which made).
  13. Delivery
    The seller will only dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals.
    14.1   This Agreement shall be binding upon, inure to the benefit of, and be enforceable by the representatives, successors and assigns of the parties hereto.
    14.2   This Agreement may be amended only by a written instrument duly executed by all parties hereto.
    14.3   The parties hereby represent and warrant that each of them has full legal right, power and authority to enter into this Agreement and to carry out its obligations hereunder.
    14.4   This Agreement may be executed simultaneously in one or more counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument.
    14.5   Article headings contained herein are for reference purposes only and shall not in any way affect the meaning or interpretation of this Agreement.




PUT IT ON LAY-BUY powered by PayPal & PUT IT ON LAYAWAY powered by PayPalmakes it easy for you to buy the products and services that you need by paying for them via a down payment and up to six monthly instalments. ( Flexible depending on sum $ being spent)


AFFORDABLE: Our calculator allows you to select the down payment you can afford to layby or Layaway today and the amount of months you need to pay off the product.


SECURITY: All Payments are processed within PayPal’s secure environment.


CONVENIENCE: Payments are automatically setup between you and the seller with no intervention by either party ever. Unless a payment is missed.


FLEXIBLE: You can also call us to move the pending payments earlier or later.


CHOICE: A Lay-Buy / Layaway Payment can be made and recurring profile setup via your PayPal account or your credit card.




Consumers Steps





Select PUT IT ON LAY-BUY powered by PayPal or PUT IT ON LAYAWAY powered by PayPal payment option at checkout.


Payment calculator makes it easy for you to set up your own payment plan.


Complete down-payment and setup recurring profile in PayPal’s secure environment.


Payments are processed by PayPal on the scheduled date YOU set. Check your order status within your PayPal reporting module. Contact us if you want to move your payments earlier or later.


Receive the item or service shortly after your last payment.


No interest charges ever, no membership fees ever – NO DEBT.


Dear Customers,


This is an optional payment alternative. In order to process your payment, please click on the Paymate Logo below and follow the instructions. Your receipt will be emailed to you instantly.



Pay with Paymate Express


When communicating with No Worries Turf through email in regards to exchanges and claims, please include all of the following information: 
  • The full name of the person who originally ordered the product
  • Contact phone number
  • Invoice number
  • All tracking numbers associated with the order
  • And an accurate description of the damage or missing items. 
Incorrect Product  Please contact No Worries Turf within 48 hours of receipt of product to request replacement. No Worries Turf will verify the claim. We may request photos.
Unauthorized Returns  Items returned due to refused shipments are considered unauthorized returns and are subject to a 30% restocking fee. Freight charges are non-refundable.
Damage (Truck freight)  Customer or customer's agent must be present at delivery and carefully inspect all packages and items for damage or missing materials. If there is damage or missing items, it must be clearly noted by the customer on the original bill of lading/consignment note. Customer must immediately contact No Worries Turf and send copies of the bill of lading/consignment note. Upon acceptance of the claim by the carrier, No Worries Turf will, at its discretion, send replacement or refund for the actual damages.
We're staffed with service-oriented personnel committed to exceptional customer attention. We believe customer satisfaction is the key to our long-term success. This means we recruit only qualified individuals who have a passion for excellence and who share the belief that satisfied customers are No Worries Turf most valuable assets.
Pick up is welcome by prior arrangement from Cheltenham, Vic. Deliveries are done through the courier company.
Payment Options:
  • PayPal (for credit card payments, accepts all major credit cards)
  • Net Banking/ Direct Deposit
  • Personal Cheque
  • Money Order 
For Net Banking/Direct Deposits you are welcome to make deposits to the following account:
Commonwealth Bank

P Loza Family Trust

BSB: 063 149

Account No: 1040 9587

For Personal Cheques or Money Orders please make them out to Freelance Agency and forward them to the following address:
Freelance Agency
P.O.Box 5187
Mordialloc, Vic 3195
Please note goods will be dispatched once the funds have cleared.


All consignments are sent out and signed for in good order and condition. We do understand that the receiver/customers cannot always inspect all the goods prior to signing for them.  However we do need you our client / receiver of this goods to report any damages to us within 24 hours of receipt. This way all parties are protected by Insurance and we all can avoid any embarrassing and disappointing situations. Other wise all damages reported after this period of time will not be covered by Insurance at all.

We take issues with damages very seriously and are always focusing on ways to ensure they do not happen.  We do this through training of dock loading staff and also by continually looking at our systems and how we can improve what we do.

 The last thing we want is to have a disappointed customer.  We want to ensure we provide you with the best possible service we can with the resources we have available so these bad situations can be avoided, and where they do occur, that it's a painless process to resolve.

 Assuming that the goods are subject to an appropriate domestic/household policy of insurance taken out by you our customers as part of your home and property insurance, we respectfully suggest that you promptly lodge a claim with your insurer.

 Please be assured that we greatly value your custom and of our ongoing commitment to consistently and efficiently satisfying your future needs.

 Yours faithfully,

Management NWT



"Grass doesn't always have to be greener on the other side"

No Worries Turf is an Australian Family Owned and Operated company that realises the importance of time; Family time, Personal time, your You time.

No Worries Turf has a mission: to provide You, our valued clients, with ONLY the Best Quality Synthetic lawns and Real Organic Grass Lawn  Products, available in a dynamic Australian economy at the most competitive prices.

And if you feel that you prefer Real Organic Grass Lawn instead of Synthetic Grass that's not a problem, as we have both options Artificial Grass and Real Organic Grass Turf available for you to choose from in our online shop.

We deliver our products to Sydney, Melbourne, Brisbane, Adelaide, Perth, Canberra, Tasmania as well as all the suburbs all over Australia.

We offer you a special handpicked from hundreds of options range of quality synthetic lawn products and services aimed to give you exactly that and MUCH more.

We specialise in only top quality synthetic grass/turf products, made to meet or exceed Australian manufacturing standards, and we sell direct to the public and also supply and distribute to wholesalers.

As well as lots of other home and back yard products like Stainless Still Outdoor Showers, Sheds, Garages, most realistic Artificial Plants and Trees, Chicken coops, Dog Cannels.

And ones you get your life back by having installed one of our artificial lawns we also have a large selection of Games Tables like Snooker, Pool, Billiards and Tennis tables as well as Hockey and Football tables for you and your family and friends to enjoy together in your leisure.

Part of the No Worries Turf lifeblood exists in creating relationships and helping families to take back time for freedom to enjoy life. We aim to provide only the absolute, best quality Australian made and Imported synthetic grass at the most competitive prices to suit every need. Interest free and Lay-buy payment plans options are also available.

We have been supplying premium quality artificial grass lawns for the last 15+ years and have helped over 30,000 families and businesses Australia wide create stunning and practical, low maintenance outdoor areas.

We are also proud to offer and shear with those of you that would like an opportunity to make some Extra Income for themselves and their families our newly launched Referral Rewards Affiliate Program where simply by promoting and referring others to our shops online you will be able to earn good ongoing Commissions from the sales that eventuate from your Referrals. If you are interested just click on this link :  Referral Rewards and welcome to the family.

Paul Loza

Director and CEO NWTurf.




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