Afterpay Terms & Conditions

Boutique Psychology is delighted to offer Afterpay as a flexible payment option for our comprehensive range of psychological testing and assessment packages. This partnership allows our clients to access essential mental health services promptly, dividing the cost into four interest-free instalments. By choosing Afterpay at checkout, clients engage in an agreement directly with Afterpay, under its terms of service, while receiving the quality care and support Boutique Psychology is known for. Our aim is to make mental health services more accessible to all, ensuring no one has to delay necessary care due to upfront costs

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Boutique Psychology offers Afterpay as a payment option for their psychological testing and assessment packages, allowing clients to split their purchase into four interest-free instalments. This option provides flexibility in managing payments for their services For more detailed information on the terms and conditions related to Afterpay and other payment options, you may want to directly contact Psychology Melbourne or visit their website.

 

Afterpay Terms and Conditions for Boutique Psychology

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Eligibility: Clients must have an Afterpay account in good standing to use Afterpay for psychological testing and assessment package payments.

 

Payment Schedule: Purchases will be split into four equal, interest-free instalments. The first instalment is due at the time of purchase, with subsequent payments due every fortnight.

When using Afterpay at Boutique Psychology, the total cost of psychological testing and assessment packages is divided into four equal payments. These installments are due every two weeks, starting at the time of purchase. This arrangement allows clients to receive services immediately while spreading the cost over eight weeks. It's important to note that these payments are interest-free if paid on time, according to Afterpay's schedule. Late payments may incur fees as outlined by Afterpay's terms of service, ensuring transparency and predictability in managing your mental health investment.

Service Access: Access to psychological testing and assessment packages may be contingent upon the first installment payment or full payment through Afterpay, depending on Boutique Psychology's service delivery policies.

To access Boutique Psychology's services through Afterpay, the initial installment payment must be cleared at the time of booking your first appointment. This upfront instalment confirms your booking and secures your access to our psychological assessment services. The remaining three payments will be due according to Afterpay's fortnightly schedule. This payment method ensures that services are accessible immediately, allowing for prompt and efficient care without the burden of upfront costs in full.

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Afterpay Agreement: Clients agree to comply with Afterpay's terms of service, acknowledging that Afterpay is a third-party service and that Boutique Psychology is not liable for issues arising from Afterpay's service.

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When using Afterpay at Boutique Psychology, clients must agree to comply with Afterpay's terms of service. This compliance is essential as Boutique Psychology acts as a third-party beneficiary to the transaction, not as a direct party within the Afterpay agreement. This means Boutique Psychology facilitates access to Afterpay as a payment option but is not involved in the management or resolution of disputes related to Afterpay's service. Clients are encouraged to familiarize themselves with Afterpay's terms to ensure a smooth transaction process.

 

Cancellation and Refunds: If a client cancels their package, Boutique Psychology's standard cancellation policy applies. Refunds processed through Afterpay will adhere to Afterpay's refund policies. 

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For cancellations or non-attendance, Boutique Psychology requires a 48-hour notice to avoid a cancellation fee. If using Afterpay, this policy aligns with our approach to managing bookings and payments. Should you cancel within this period or fail to attend, you remain responsible for any instalment payments due as per Afterpay's schedule. Refunds for any payments made before cancellation will be processed according to Afterpay's refund policy, ensuring that clients are aware of their financial obligations even when appointments change.

 

For cancellations with more than 48 hours' notice, Boutique Psychology allows clients to reschedule or cancel appointments without incurring any fees. Payments already made through Afterpay for appointments that are canceled in this timely manner may be eligible for a refund or adjustment in line with Afterpay's refund policies. Clients are encouraged to communicate their needs as early as possible to facilitate smooth adjustments to their care plan and financial arrangements.

 

Late Payments: Late payments may incur fees or penalties as outlined in Afterpay's terms of service. Boutique Psychology is not responsible for any fees charged by Afterpay due to late payments.

 

Privacy: Boutique Psychology will share necessary transaction details with Afterpay to process the payment. Both parties are committed to protecting clients' privacy in accordance with their respective privacy policies.

Boutique Psychology Privacy Policy

 

Boutique Psychology is committed to protecting the privacy and security of our clients' personal and payment information. When transactions are made using Afterpay, only the necessary details are shared to process the payment. This information is handled in strict compliance with data protection laws and regulations. Boutique Psychology and Afterpay both employ robust security measures to safeguard your data against unauthorized access or disclosure, ensuring that your privacy is maintained throughout the payment process.

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Amendments: Boutique Psychology reserves the right to modify these terms and conditions at any time to reflect changes in their partnership with Afterpay, service offerings, or regulatory requirements.

 

Contact Information: For questions or concerns regarding payments with Afterpay, clients are advised to contact Boutique Psychology's billing department or Afterpay directly.

Disputes 

For disputes related to Afterpay payments or services provided, it's crucial to establish a structured approach:

1. Initial Contact: Clients should first reach out to Boutique Psychology's customer service team via the contact methods listed on their website for any concerns or disputes related to services.

2. Escalation to Afterpay: If the dispute involves payment issues directly related to Afterpay, clients may be advised to contact Afterpay’s customer service team.

3. Resolution Timeline: Boutique Psychology will aim to resolve disputes within a within 14 days from the initial complaint.

 

Governing Law: 

The regulatory framework for Buy Now, Pay Later (BNPL) services in Australia, including Afterpay, is undergoing significant changes. On May 22, 2023, the Australian Government announced new regulations for the BNPL sector. These changes aim to provide a dedicated regulatory framework tailored to the unique nature of BNPL products, distinguishing them from traditional credit services like credit cards. This recognition by the government underscores the importance and distinctiveness of BNPL services in the financial landscape, highlighting the need for regulation that both protects consumers and fosters innovation.

 

The new regulatory proposals are set to include strengthened assessments of a customer's ability to afford BNPL products. This may involve some form of affordability checks, potentially including verification of a customer's financial situation. Moreover, if BNPL services are brought under the National Consumer Credit Protection Act 2009 (the Credit Act), they would need to comply with responsible lending obligations and other standards, requiring BNPL providers to review their products, update systems and processes, and prepare for licensing by the Australian Securities and Investments Commission (ASIC). This would also entail compliance with internal and external dispute resolution, customer hardship, compensation arrangements, fee caps, and marketing rules, among others.

 

The proposed regulations are expected to take effect sometime in 2024, with detailed consultations on the specifics of the new regulations yet to occur. For customers, Afterpay has indicated that the experience of using their service should continue broadly as it does today, especially for those in good standing and making payments on time. Further details on requirements, including any potential for credit checks, will be announced as the new regulatory framework is finalized.

 

These regulatory changes are anticipated to have a significant impact on the BNPL sector, potentially leading to increased protections for consumers, clearer obligations for providers, and possibly, a reshaping of the market landscape to prioritize financial safety and consumer welfare.

 

For more detailed information on the regulatory changes and their implications, you can refer to the sources provided by the Australian Treasury, Regulating Buy Now, Pay Later in Australia | Treasury.gov.au, and Afterpay's New BNPL regulations announced in Australia – Afterpay announcement regarding the new regulations.

 

Liability Limitation Regarding Afterpay Services:

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Boutique Psychology is dedicated to providing our clients with flexible payment options, including Afterpay, to facilitate access to our psychological services. It's important for our clients to understand that while we offer Afterpay as a convenience, Boutique Psychology does not have control over, and thus cannot be held liable for, any operational aspects or financial management of the Afterpay system. Specifically:

1. System Failures: Boutique Psychology shall not be liable for any inconvenience, delay, or inability to access services due to system failures or technical glitches within Afterpay's payment platform. Any issues arising from such failures should be directed to Afterpay's customer support for resolution.

2. Financial Issues: Boutique Psychology shall not be liable for any financial issues that may occur from the use of Afterpay, including but not limited to unauthorized transactions, late payment fees, or credit impacts. Clients are responsible for managing their Afterpay accounts in accordance with Afterpay's terms and conditions.

3. Dispute Resolution: Any disputes related to payments made through Afterpay must be resolved between the client and Afterpay. Boutique Psychology will assist where possible but is not responsible for mediating disputes or negotiating on behalf of clients with Afterpay.

By choosing Afterpay as a payment method, clients acknowledge and agree to these limitations of liability. Boutique Psychology remains committed to supporting our clients and ensuring they have access to the mental health services they need, while clarifying the scope of our responsibility regarding third-party payment options.

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