Layaway lets you reserve a piece with a deposit and pay the balance over a term you choose, up to 6 months. We set the piece aside for you. You do not receive the piece until it is paid in full. We deliver it, or you collect it, only after the final payment.
Layaway is not a loan or credit:
There is no interest, no finance charge and no credit check, and nothing is reported to credit bureaus.
You are never required to finish paying. You may end your layaway at any time. If you do, or if it ends under section 9, you will never owe the remaining balance, and we will never try to collect it. The only consequence is the one described in section 10: your reservation deposit is not refunded.
2. Which pieces qualify
Layaway is available on pieces priced at $500 or more, before tax and shipping, unless a product page says otherwise. Each layaway covers one piece.
3. Your reservation deposit (25%)
Today you pay 25% of the total: the piece price plus any sales tax and shipping shown at checkout. The deposit counts in full toward the price.
Change-of-mind period. If you cancel within 72 hours of paying the deposit, we refund it in full.
After that, the deposit is non-refundable up to a maximum of $1,500, except where section 8 or section 14 says otherwise. It is a reservation deposit. It compensates us for taking the piece you reserved off the market, marking it sold and holding it for you for up to 6 months, which is a loss that is real but hard to measure. If the deposit on your piece would be more than $1,500, the part above $1,500 is refundable.
4. Your term and payment schedule
You choose 1 to 6 monthly payments for the remaining 75%. The last payment is always due within 6 months of your deposit. We divide the balance into equal payments, put any rounding cents into the deposit, and show you every amount and date before you agree.
The first payment is due one month after your deposit, and each later payment falls on the same day of each following month (or on the last day of a month that is shorter).
Your total price is locked. There is no interest, no service fee and no late fee.
5. Automatic payments are required
Every layaway pays its balance through automatic payments to the card you choose. You authorize us to charge that card each scheduled amount on each scheduled date. The confirmation email shows the card (last four digits only), each amount and date, the total and the final date. Your card details are held by our processor, Square; we never see or store the full number.
Automatic payments are a condition of keeping your layaway active. They do not create a debt.
Changing your card: you can switch to another card at any time in your account or by replying to any layaway email.
Stopping automatic payments: you can stop them at any time by cancelling your layaway (section 10), in your account or by emailing us. If you remove your card without adding another one, we will ask you to confirm. If you confirm, your layaway ends as a cancellation. You also keep any right you have to stop a payment through your bank. A payment stopped that way is handled like a declined payment (section 7).
Paying ahead: you can pay extra, or pay in full, at any time with no fee. An extra payment reduces your remaining automatic payments. If any payment amount changes, we email you the new amount and date at least 10 days before charging it.
We will not change these terms for a layaway that is already in progress unless you agree to the change in writing.
6. Reminders and receipts
7 days before each automatic payment, we email you the amount, the date and the card.
Before your final payment, we also email you 30, 14 and 3 days ahead.
After every payment, we send a receipt showing the piece, the payment, the total paid and the balance. You can ask for a full statement at any time, and we will send it within 7 days.
All layaway notices, reminders and receipts are sent by email to the address on your account. If you live in Ohio, we also send the notice in section 9 (at least 10 days before a layaway ends) by first-class mail, as Ohio law requires (section 14). Please keep your email address up to date.
These are service emails about your purchase, not marketing. You receive them even if you have unsubscribed from our newsletters.
7. If a payment doesn't go through
If a payment is declined, we email you the same day, and you have 14 days to fix it: update your card, pay another way, or reply to us. We retry once, no sooner than 7 days after the decline, unless you ask us to retry sooner.
There is no late fee. Your piece stays reserved while you fix the payment.
If a payment is still unpaid 14 days after our first notice, and we have sent the notices described in our notice schedule, your layaway ends under section 9.
8. Your piece is held for you
When your deposit is paid, the piece is marked sold on our website, comes off the gallery floor, and is held, insured, in your name. It is the exact piece you chose, never a substitute.
Until the piece is delivered, we own it and bear the risk of loss. If it is lost, stolen or damaged while we hold it, or we can't deliver it for any reason, we refund everything you have paid, including the deposit, plus the lesser of 8% of the price or $16.
9. When a layaway ends unpaid
Your layaway ends if any of these happens:
you cancel it (section 10);
a declined or stopped payment is not fixed within the 14-day period in section 7; or
the balance is not paid in full by your final payment date, plus that same 14-day period.
We never end a layaway for non-payment without first sending our notices, including a notice at least 10 days before the layaway ends, sent by email (and, for Ohio residents, also by first-class mail).
10. What happens to your money when a layaway ends unpaid
When the layaway ends
Deposit (25%)
Payments after the deposit
Cancelled within 72 hours of the deposit
Refunded in full
(none yet)
Ended at any later time, for any reason in section 9
Not refunded (above $1,500, refunded)
Refunded in full within 14 days, or full store credit if you prefer
Refunds of payments made within the last 120 days go back to your card. Older payments go by check or bank transfer.
If a refund can't be delivered, we hold it as a credit in your name and keep trying to reach you. If it is still unclaimed, we report it to Arizona's unclaimed property program as the law requires.
Store credit never expires.
The piece returns to the gallery and may be offered for sale again.
11. Delivery when paid in full
The piece stays with us until it is paid in full. We never ship it or hand it over before the final payment.
We confirm your final payment within 2 business days, and we ship within 14 days of it (usually much sooner) by insured shipping. You can also collect the piece at the gallery.
Ownership and risk pass to you on delivery.
12. Returns
After delivery, a layaway piece is covered by our standard Returns Policy, and the window starts on the day you receive the piece: 30 days for US orders, a 20% restocking fee on card refunds, and return shipping paid by the customer. See the Returns Policy at /policies/returns.
13. Sales tax
Tax is calculated at checkout and included in your total. For pieces we ship, it is the tax for the delivery address.
14. Your state's law; governing law
These terms are governed by Arizona law. If you live in a state or district whose consumer laws give you more rights, such as a longer change-of-mind period or a smaller non-refundable amount, we apply that law to your layaway. This includes the District of Columbia, Maryland, Ohio and Rhode Island. For Ohio residents, it includes mailing the notice sent at least 10 days before a layaway ends, by first-class mail. Nothing in these terms limits your right to dispute a charge with your card issuer.
15. Notice to buyer
You are entitled to a copy of this agreement when you accept it. We email it to you, signed by The Humiovi.
You may pay off the full balance at any time. There is no interest or finance charge.
You may cancel at any time, in person, by email, by phone, in your account, or by registered or certified mail to The Humiovi, 247 AZ-89A, Sedona, AZ 86336. Cancel within 72 hours (or the longer period your state allows) for a full refund. After that, the deposit is non-refundable and all later payments are refunded.
16. Contact
The Humiovi · 247 AZ-89A, Sedona, AZ 86336 · (928) 282-5259 · info@humiovisedona.com · daily 10 am – 6 pm.
