Privacy policy

Last updated August 27, 2026.

This Privacy Policy explains what personal information Layby USA ("we", "us") collects when you use laybyusa.com, why we collect it, who we share it with, and the choices you have. It applies to customers in the United States.

1. Who is responsible for your information

Layby USA is the business responsible for your personal information. We are a United States company. Our group operates from Australia and New Zealand, so information you give us is transferred to and stored in the United States, Australia and New Zealand, and is handled by staff there. By using the site you understand that your information will be handled outside your home country under this policy.

You can reach us about anything in this policy at contact@laybyusa.com.

2. What we collect

Information you give us. Your name, email address, mobile number, date of birth, delivery address, the payment day you select, your typed and drawn signature, and the items you choose. We ask for date of birth to confirm you are 18 or older, and for a signature because a Layaway Purchase Agreement is a signed document.

Payment information. Your card or bank account details are entered directly into Stripe's payment form and are stored by Stripe, not by us. We never see or hold your full card number or full bank account number. We keep a token that lets us collect the agreed installments, plus the card brand or bank name and the last four digits, so you can recognize it. If you pay by bank account, you verify it by signing in to your bank through Stripe; we never see your banking login.

Information collected automatically. Pages you view, the items you add, your IP address, browser and device, and the advertisement or link that brought you here. Your IP address, browser and the time are also recorded against your signature, because that is what makes an electronic signature evidence.

3. Why we use it

• To create and administer your layaway plan — taking the installments you agreed to, sending payment reminders and receipts, and ordering and delivering your goods.
• To provide your signed agreement and your contract page.
• To answer your questions and handle cancellations and refunds.
• To detect and prevent fraud and payment abuse.
• To meet our legal, tax and accounting obligations.
• To measure and improve our advertising — see section 5.
• To send you marketing, if you asked us to. You can stop at any time using the unsubscribe link in any marketing email, by replying STOP to a text, or by emailing us.

4. Who we share it with

We do not sell your personal information. We share it only with service providers who need it to run the service, and only for that purpose:

• Stripe — payment processing and card storage.
• Shopify — our online store platform and order records.
• Supabase — the database holding your plan, payments and contract.
• Email and SMS providers — to send the messages described above.
• Google — address autocomplete when you type your delivery address.
• Meta (Facebook and Instagram) — advertising measurement; see section 5.
• Suppliers and carriers — your name, address and phone, so your order can be delivered.
• Professional advisers, and authorities where the law requires it.

5. Advertising, and your right to opt out of sharing

We advertise on Meta. When you visit the site and when you start a plan, we send Meta event information — including a hashed (scrambled) version of your email address, and your browsing identifiers — so Meta can tell us which advertisements work and can show our advertisements to people like you. Under California law this counts as "sharing" for cross-context behavioral advertising, even though no money changes hands.

To opt out, email contact@laybyusa.com with "Do Not Share" in the subject line, or use your browser's Global Privacy Control signal. Opting out does not affect your plan, your price, or your agreement in any way.

6. Cookies

We use cookies to keep your cart and session working, to remember your progress through the signup form, and for the advertising measurement described above. You can block or delete cookies in your browser settings; the site will still work, but your cart may not be remembered.

7. How long we keep it

We keep your plan and payment records for as long as your agreement is active and then for seven years afterwards, because tax, accounting and consumer-protection law require it. Your signed agreement is kept as a frozen record and is never edited. If your plan ends with money owing to you that we cannot return, we keep enough information to contact you and to comply with state unclaimed-property law. Marketing lists are cleared when you unsubscribe.

8. Your rights

Wherever you live in the United States, you may ask us to:

• tell you what personal information we hold about you, and give you a copy;
• correct it if it is wrong;
• delete it, where we are not required to keep it (see section 7);
• stop sharing it for advertising (section 5);
• stop sending you marketing.

Email contact@laybyusa.com and we will respond within 45 days. We will never charge you, refuse you service, or change your price because you exercised a privacy right. We may need to confirm who you are before we act, so that we do not hand your information to someone else. An authorized agent may make a request for you with your written permission.

9. Security

Access to your information is restricted to people who need it, connections to our site and systems are encrypted, and card details are held by Stripe under its own security standards rather than by us. No system is perfect; if a breach affects your information we will tell you and the relevant authorities as the law requires.

10. Children

Layby USA is for adults. You must be 18 or older to start a plan, and we do not knowingly collect information from children under 13. If you believe a child has given us information, email us and we will delete it.

11. Changes

If we change this policy we will update the date at the top and publish the new version here. Changes are not retrospective: the Layaway Purchase Agreement you signed keeps the terms it was signed under.

12. Contact us

Questions, requests or complaints about privacy: contact@laybyusa.com. A person reads every message.