Summary

1. Payment Plan Overview
By enrolling in the Ellie Payment Plan (“Plan”), you agree to pay the total cost of your purchase in three equal installments. An additional financing fee will be applied to your total cart price, which is not an annual percentage rate (APR) or a monthly compounded interest fee. This fee is a flat amount, calculated by multiplying the total cart price by financing fee %, and will be evenly distributed across the three payments.

2. Payment Schedule and Automatic Payments
Your first payment, including one-third of the total cart price and one-third of the financing fee, will be charged on the date of purchase. The remaining two payments will be automatically charged to your designated payment method at intervals of 30 days and 60 days from the purchase date, respectively.

3. Authorization for Automatic Payments
By agreeing to these terms, you authorize Ellie and its payment processor to automatically charge your payment method for the amounts due according to the payment schedule outlined above. You also agree to maintain valid and up-to-date payment information for the duration of the Plan.

4. Non-Payment and Default
Failure to make any payment under this Plan when due may result in your account being considered in default. In such cases, Ellie reserves the right to charge a late fee of up to $25 per missed payment and to attempt to collect the overdue amount through alternative methods, including charging any other payment methods you have on file or utilizing third-party collection services. Continued default may lead to termination of the Plan, requiring immediate payment of the remaining balance in full.

5. Cancellation and Refunds
Once enrolled in the Ellie Payment Plan, cancellations and refunds are subject to Ellie’s standard return policy. Any refunds provided will be adjusted by the amount of the Plan payments already made, and the 10% fee will not be refunded.

6. Modification and Termination of Plan
Ellie reserves the right to modify or terminate this Plan at any time without prior notice, provided that any changes will not affect the terms of payment plans already in place.

7. Consent and Acknowledgment
By entering into this Plan, you acknowledge that you have read, understood, and agree to these Terms & Conditions. You further agree to comply with all applicable laws and regulations regarding the use of this financing option.

8. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law provisions.