Terms & Conditions of Sale – Payment Plans

Furniture & Flooring Donegal

These Terms & Conditions apply to all purchases made through our website, in-store, or via direct order, including standard purchases and layaway/payment plan agreements. By placing an order, the customer agrees to be legally bound by these terms.

1. Ownership of Goods (Retention of Title)

All goods remain the sole property of Furniture & Flooring Donegal until paid for in full, including any applicable administration fees.

Legal title does not pass to the customer until cleared payment has been received in full.

No goods will be delivered, released, or transferred prior to full payment.

2. Pricing & Price Agreement

The price of the product is the price agreed at the time the order is placed.

By completing checkout or entering into a payment plan, the customer agrees to purchase the product at that agreed price.

Product prices may increase or decrease after the order date due to promotions, supplier pricing changes, or sales events. Any such changes do not affect previously placed orders.

For example:

If a customer purchases a product for €1,000 on a payment plan and the same product is later reduced to €800, the customer remains liable for the original agreed purchase price of €1,000.

Likewise, if the price increases after purchase, the customer will not be charged more than the agreed purchase price.

The agreed purchase price is fixed on the date of order confirmation.

3. No Repricing or Promotional Adjustments

Once an order has been placed (including layaway/payment plan orders), customers may not:

Cancel a layaway agreement for the purpose of repurchasing the same item at a lower sale or promotional price

Request a price adjustment due to a later discount or sale

Offset payments made against a newly reduced price

If a layaway agreement is cancelled, it will be processed in accordance with the cancellation terms below. Any future purchase will be treated as a new transaction at the price available at that time.

Furniture & Flooring Donegal reserves the right to refuse repeated cancellations intended to manipulate pricing.

4. Delivery Charges

All advertised prices are exclusive of delivery unless expressly stated otherwise.

Delivery charges:

Are calculated separately

Vary depending on product size, weight, and delivery location

Will be confirmed prior to dispatch

Delivery charges may be payable via Cash on Delivery (COD) unless otherwise agreed.

Failure to pay delivery charges may result in non-delivery.

5. Administration Fee

All purchases are subject to a €25 administration fee.

This fee covers order processing, stock reservation, and administrative handling.

The €25 administration fee is non-refundable under all circumstances, including cancellation.

Layaway Terms

The following terms apply where a layaway/payment plan option is selected.

6. Retention of Goods Under Layaway

Goods purchased under a layaway/payment plan remain the property of Furniture & Flooring Donegal until the full balance has been paid.

No item will be delivered or released prior to full payment.

7. Payment Obligations

Customers agree to make payments in accordance with the agreed schedule selected at checkout.

Failure to make payment by the due date constitutes a breach of agreement.

8. Missed Payments & Grace Period

A 14-day grace period applies from the date of any missed instalment.

If payment is not received within 14 days:

The layaway agreement will be automatically cancelled

The order will be voided

All monies paid will be refunded minus the €25 administration fee

Furniture & Flooring Donegal reserves the right to resell cancelled goods.

9. Voluntary Cancellation by Customer

Customers may cancel a layaway agreement at any time prior to final payment.

Upon cancellation:

All monies paid will be refunded

The €25 administration fee will be retained

Refunds will be processed using the original payment method where possible.

10. Non-Transferability

Layaway agreements are personal to the purchaser and may not be transferred or assigned.

11. Acceptance of Terms

By placing an order, selecting a payment plan, or completing checkout, the customer confirms that they:

Have read these Terms & Conditions

Understand them

Agree to be legally bound by them