The following terms and conditions apply to transactions made on the Refurbay Store Online (www.Refurbay.com) using EMI or No Cost EMI as a payment option:
Joycart eCommerce Services (“Refurbay”) facilitates EMI and No Cost EMI. You will be presented with EMI and No Cost EMI payment options if your total transaction order meets the relevant minimum order value for your eligible credit card as set by your eligible Credit Card issuing bank, and in the event that Refurbay is running a No Cost EMI promotion.
For No Cost EMI, the amount equivalent to the total amount of interest payable on an EMI transaction will be discounted from your total transaction value upon choosing the No Cost EMI payment option. You will be liable to repay the principle loan amount and applicable interest to your eligible credit card issuing bank.
No Cost EMI is available with the purchase of an eligible product made using qualifying cards on 3 months tenures from most leading banks. Minimum order spend applies as per your card’s issuing bank threshold. Card eligibility is subject to terms and conditions between you and your card–issuing bank. Offer may be revised or withdrawn at any time without any prior notice. Terms & conditions apply.
EMI and No Cost EMI are offered by and subject to the terms and conditions applicable between you and your eligible credit card issuing bank. Refurbay is not involved in any approval, extension, pricing, modification, pre-closure, closure or any matter incidental to offering the EMI payment option financing to you. This is decided at the sole discretion of your eligible credit card issuing bank.
You understand that Refurbay may share your transaction order information with your eligible credit card issuing bank and you expressly consent to this sharing of data for these purposes.
Refurbay shall have no liability in the event your eligible credit card issuing bank refuses to process your EMI or No Cost EMI payment option transaction.
Refurbay on a best effort basis displays representative EMI and No Cost EMI related information (EMI amount, interest rate charged and total amount payable) for your purchase as per the information shared with Refurbay by your eligible credit card issuing bank on an "AS IS" basis. Your eligible credit card issuing bank is the authoritative source of this information and you are advised to contact your eligible credit card issuing bank for any further clarifications in this regard. For more information, we request you review the terms and conditions of your eligible credit card issuing bank offering such EMI payment option.
Refurbay does not charge you any processing or convenience fee for the purpose of facilitating an EMI or No Cost EMI payment option. Your eligible credit card issuing bank may charge processing and/or convenience fees in accordance with the terms and conditions applicable between you and your eligible credit card issuing bank.
In the event that you have a complaint, dispute or enquiry about an EMI transaction, we advise you to approach your eligible credit card issuing bank.
In the event that you cancel or return your product(s) purchased using an EMI or No Cost EMI payment option, Refurbay may facilitate a refund in accordance with Refurbay’s Sales Terms and Conditions. You are advised to check with your eligible credit card issuing bank how cancellation(s) or refund(s) will affect EMI and any pre-closure or interest charges levied on you.
Local sales tax, GST and all other applicable taxes and levies will apply to all orders and shall be payable by you.
The EMI and No Cost EMI payment options may be combined with other Refurbay promotions that are directed to individual end-user consumers and offered during the same promotional period on the Refurbay Store Online, subject to the terms, conditions, and limitations applicable to this promotion and such other Refurbay promotion(s).
Refurbay’s facilitation of the EMI payment option is void where prohibited or restricted by law. Refurbay may use any information provided in accordance with its privacy policies posted online at https://refurbay.com/pages/privacy. Refurbay reserves the right to change, modify or end the facilitation of an EMI payment option on the Refurbay Store Online and these Terms and Conditions at any time, without notice. Such changes shall not affect already processed orders, for which this version of the Terms and Conditions shall apply. You must be 18 years or over in order to use the EMI payment option on the Refurbay Store Online.