Thank you for visiting and shopping at www.harbourlane.com.au (“Website”).

Harbour Lane Furniture and Bedding Pty Ltd (ABN 72 642 718 527) (“we”, “us”, the “business”) takes pride in providing products of the highest quality and are very much committed to customer satisfaction. This Payments and Layby (“Policy”) describes generally how we manage the shipping of the business. All actions outlined in this Policy shall always remain subject to the Terms and Conditions found at www.harbourlane.com.au/pages/terms-and-conditions. Should you have any questions and wish to obtain more information, please send us an email to info@harbourlane.com.au.

By accessing this website, you agree to be bound by these terms. These Terms constitute a binding agreement between you and the Business and govern your use of this website.

We reserve the right to change the prices for products displayed in this site at any time before you place an order.

Shipping costs will depend upon the location for delivery and the items purchased and are shown separately during checkout. Please refer to the Delivery Policy found at www.harbourlane.com.au/pages/shipping-and-delivery-policy for further information.

All prices listed on this website are in Australian Dollars (AUD) and are inclusive of Goods and Services Tax (GST). Any fees or charges, including shipping costs, also include GST where applicable.

We do not accept international orders at present. However, international orders are exempt from GST but may be subject to taxes and duties in the country to which products are being sent. Payment of any such taxes or duties is your responsibility.

"GST" has the meaning given to it in the A New Tax System (Goods and Services Tax) Act 1999 (Cth).

By placing an Order with us, you represent and warrant that you are authorized to use the selected payment method. If your payment is declined, reversed, or otherwise unsuccessful, we reserve the right to cancel or suspend your Order until payment has been successfully received.

Payments for orders placed in store and through this site can be paid by credit or debit cards (Visa, MasterCard and Amex Only), via payment facilitators such as Google Pay and Apple Pay, bank transfers, through the BNPL options provided by us and by cash (In-store only) as further set out in the Payments and Layby Policy.

Payment for orders placed through this site are processed online using secure payment gateway.

Please note that we may be unable to accept credit cards issued by banks outside of Australia in some cases. Additional transaction fees may apply if paying by credit card, in which case the additional charges will be specified at checkout.

The Business uses a third-party payment gateway provided by Stripe Payments Australia Pty Ltd (ABN 66 160 180 343) trading as "Stripe" and Shopify Australia Pty Ltd (ABN 67 608 159 860) trading as “Shopify Payment” for its secure online payment transactions where applicable, its third-party payment processing partners. By submitting your payment information, you authorize the applicable payment processor to charge the selected payment method for the total amount of your order, including any applicable taxes, shipping charges, and other fees.

We do not store your complete payment card details on our systems. Payment information is transmitted and processed securely by Stripe or Shopify and its authorized payment processing providers in accordance with applicable security standards.

Your use of the payment services is also subject to the terms, conditions, and privacy policies of Stripe and Shopify and any applicable third-party payment processors. We are not responsible for errors, delays, or interruptions caused by payment processors or financial institutions.

Unless you expressly consent otherwise, we do not see or have access to any personal information that you may provide to Stripe or Shopify, other than information that is required in order to process your order and deliver your purchased items to you (eg, your full name, email address and billing/postal address). For more information about how your information is handled, please read our Privacy Policy www.harbourlane.com.au/pages/privacy-policy.

Except as expressly provided otherwise in this Policy and required under the Australian Consumer Law, all amounts paid through this site are non-refundable. Further information on the steps that we will take to remedy any breach of any non-excludable condition or warranty/guarantee can be found in our Returns, Refunds & Exchange Policy found at www.harbourlane.com.au/pages/exchange-returns-refunds-cancellation-policy.

We’re happy to offer an easy 12-week part-payment Layby option to help you secure the pieces you love.

To begin your Layby, a minimum 20% deposit is required at the time of purchase. Your 12-week Layby period starts on the day you place your order. It will finish at the end of the 12th week from that date.

To keep things simple and on track: the 20% deposit kicks things off. The remaining 80% must be paid in full by the end of the 12th week. We then ask that payments are made every two weeks, following this schedule:

• By the 4th week, at least 40% of the total balance should be paid.
• By the 12th week, 100% of the balance must be paid.

We’ll do our best to keep you informed throughout your Layby period. If payments aren’t made on time, stock may be reallocated or the order could be cancelled. To avoid this, please keep communication open. We’re always here to help via email, phone or message.

We offer the following finance options to help you secure the pieces you love. Please note that all of these finance options are provided by Third Party Service Providers and we assume no liability or responsibility for the services provided by them. All of their services are governed by their own terms and conditions, and we strongly encourage you to read them carefully prior to using such services.

• Afterpay: Shop now, pay it in 4 instalments with Afterpay. At Harbour Lane Furniture, you can buy now and pay it in 4 interest-free instalments over 6 weeks. *Max limit $2000 per order online subject to the customer’s usage. Terms and conditions: https://www.afterpay.com/en-AU/terms-of-service.
• Zip: Shop now, pay later with Zip. Read more; https://zip.co/au/zip-pay. Terms and conditions: https://zip.co/au/page/terms-and-conditions.
• Humm: Shop Now with Humm, repayments are spread over fortnightly or monthly repayments for up to 120 months (subject to the customer’s usage/account). Terms and conditions: https://www.hummloan.com/important-information/general-terms-conditions/.
• Latitude: We accept all latitude cards and do up to 60 months* of interest free payment plan for eligible customers. Applying Card and Getting approval is Customers responsibility. Terms and conditions: https://www.latitudefinancial.com.au/terms-and-conditions/.