Terms & Conditions

What is our lay-by agreement?

An agreement is considered to be a lay-by if the consumer:

  • pays for the goods in at least two instalments (when the agreement is called a lay-by), or

  • pays for the goods in at least three instalments (when the agreement is not specifically called a lay-by), and

  • does not receive the goods until the full price has been paid.

Any deposit paid by the consumer is an instalment.

You may have obligations under the laws about lay-by agreements even if you do not call the agreement a ‘lay-by’.

ZOHAR requirements for lay-by agreements

We must provide a copy of the lay-by agreement to the customer.

We must ensure that a lay-by agreement is:

  • in writing

  • specifies all terms and conditions, including any termination charge

  • is transparent, which means that it must be expressed in plain language, legible and clearly presented.

Cancellation of a lay-by agreement

You may cancel the lay-by agreement only if:

  • the customer has breached a term of the agreement (such as missing a scheduled payment)

  • ZOHAR are no longer engaged in trade or commerce, or

  • the goods are no longer available due to circumstances outside of your control.

If ZOAHR cancel the lay-by agreement or if the customer cancels the lay-by agreement because of something that was your fault (for example, the goods were damaged while in storage) ZOHAR will not be able to charge the customer the termination fee.

A customer can cancel the lay-by agreement any time before delivery of the goods.

If the customer cancels the lay-by agreement you must refund the customer all amounts paid less any termination fee that was clearly specified in the lay-by agreement.

Termination fees

You can only charge the customer with a lay-by termination fee if they cancel the agreement.

There is no set amount or percentage for a termination fee, but it must not be more than your ‘reasonable costs’ relating to the lay-by agreement (for example, storage and administrative costs that apply to the lay-by agreement). What is ‘reasonable’ will depend on the circumstances and you should be prepared to justify that your costs are reasonable.

If the customer’s lay-by instalments do not cover the termination fee, you are entitled to recover the outstanding amount as a debt. This should be clearly stated in the lay-by agreement along with any other details of termination fees so that your obligation to have a transparent lay-by agreement is fulfilled.

Apart from the termination charge, you are not entitled to damages or any other remedy for the termination of the lay-by agreement.

One line Terms And Conditions

Payment security is our first priority. Online payment at zohar.com.au is ensured over 3 layers:

1. Network Layer: Security is guaranteed at this level with a powerful firewall.


2. Systematic layer: Anti-hawker, anti-virus and loophole scanning systems are in place.


3. Application layer: An SSL certificate issued by an industry renowned and respected authentication certificate provider is installed, providing confidentiality, authenticity, and integrity guarantees as well as a secure environment for online data input.

Payment Method


Pay by Bank Transfer.

Pay by PayPal.
Pay by Credit Card


We accept all major credit cards: Visa; MasterCard online, JCB,


The shipping address must be the same as the billing address. 


Important note:

 

Please make sure that your billing information submitted to zohar.com.au corresponds to the address where your credit card statements are received. This address should also be the same address that your credit card company has on file. If you are not sure of your correct billing address, please contact your credit card company for details. Billing and identity information that is inaccurate will delay the shipment of your order.