SHOP NOW, PAY IT IN 4 WITH AFTERPAY

At BEAUTE KNOWS, you can buy now and pay it in 4 interest-free instalments over 6 weeks.

WHAT IS AFTERPAY?

Afterpay allows you to pay over time in various ways. Pay in 4 lets you pay for your BEAUTE KNOWS order in 4 payments over 6 weeks, interest free.

WHY USE AFTERPAY WITH BEAUTE KNOWS?

• Easy to apply: Simple and easy to join. Set up an account in minutes. Credit checks apply.
• Pay in 4 spend limits are dynamic and start low: Once approved, enjoy your dynamic Pay in 4 spend limit. Afterpay starts new customers at a lower spend limit and may increase it gradually over time.
• Accepted online: Once approved, use Pay in 4 whenever you shop at beauteknows.com.au.
• It's easy to manage your account in the app. Track your payments, check your Pay in 4 available to spend, and make early payments in the Afterpay app.
  

HOW DOES AFTERPAY WORK?

When you use Pay in 4, you pay for your items in 4 payments over 6 weeks, without incurring any interest. To use Pay in 4 at BEAUTE KNOWS, add your items to your shopping cart then select Afterpay from the available payment options at checkout. You pay the first payment at the time of purchase, and the remaining three payments will be automatically deducted from your preferred payment method over approximately six weeks.

HOW DO I SET UP AN AFTERPAY ACCOUNT?

AM I ELIGIBLE FOR AFTERPAY?

To set up an Afterpay account you'll need to:

• Live in Australia or New Zealand
• Be over 18 years of age
• Have an Australian/New Zealand debit card or credit card linked as your preferred payment method
• Have a valid and verifiable email address and mobile number
• Be capable of entering into a legally binding contract

Credit checks apply. For full terms and conditions visit afterpay.com/terms.

ARE THERE ANY FEES FOR USING AFTERPAY?

Afterpay caps Pay in 4 late fees to help keep costs manageable for customers who miss a payment. Pay in 4 late fees will never exceed 25% of the order total or $68 per order, whichever is lower.

HOW THIS WORKS:

• For orders under $40: a one-time late fee of up to 25% of the order total applies.
• For orders of $40 or more: a $10 Pay in 4 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 Pay in 4 late fee applies. This continues for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, Afterpay may charge partial amounts of the $10 and $7 fees.

You can check your General Terms for other late fee caps that may apply. Afterpay is committed to helping you avoid missing a payment, including sending payment reminders and offering options to reschedule upcoming payment dates. Pay in 4 is designed to be completely different to traditional credit products that charge interest, so customers are never in a situation of high compounding interest and ongoing balances.

IS AFTERPAY ACCEPTED AT BEAUTE KNOWS?

Yes — Afterpay is available at checkout on all eligible orders at beauteknows.com.au. Simply add your items to cart, select Afterpay as your payment method at checkout, and you'll be redirected to Afterpay to log in or create your account.

IS AFTERPAY SAFE TO USE?

Afterpay has been built with a range of security features and services to help keep your account secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. You can find out more on Afterpay's safety and security page.

WHAT HAPPENS IF I REQUIRE A REFUND & PAID USING AFTERPAY?

Items purchased with Afterpay can be returned for an exchange or refund, subject to BEAUTE KNOWS's Returns Policy. Returns or refunds will be processed and Afterpay will be advised. Your payment schedule will then be adjusted to reflect the new total order value. If you have already made a payment, this will be refunded to you via Afterpay.

WHERE CAN I FIND OUT MORE ABOUT AFTERPAY?

To find out more, visit the Afterpay website.