If you would like to choose a payment plan option, please read and understand the payment plan terms below. They explain how the payments are made and the consequences of a payment defaulting.

Customers 

Partial.ly payment plans are available to US customers only.

Accepted Forms of Payment 

You can make your payments with a credit card, debit card or a US Bank account. Payments are made through Partial.ly. Partial.ly. uses Stripe as its payment processor.

Commitment to Buy

Payment plans are made through Partial.ly. You must create a free account with Partial.ly to pay with a payment plan. Buyers must read and agree to the terms of their payment plans before processing the first installment. The Partial.ly terms set a legally binding contract between You and Stephanie Elkowitz, LLC. 

Payment plans cannot be canceled for any reason. 

Delivery of Goods

The customer will have immediate access to the resource purchased once the first installment is made.

Access to your Credit Information

Payment plans are managed by Partial.ly Inc. Stephanie Elkowitz, LLC does not have access to any of your bank or credit card details.

Partial.ly features industry leading encryption and security best practices. You can access Partial.ly’s Privacy Policy here: https://partial.ly/privacy

Credit Checks and Fees

Payment plans do not require a credit background check. There is no fee incurred by the customer with a Partial.ly payment plan. 

Changing your Payment Information

Any payment update must be done through your customer portal at https://partial.ly/login. 

Refer to this webpage for support with updating your payment information: https://support.partial.ly/updating-payment-methods/ 

Duration of Payment Plan

Payment plans are twelve months in length as set forth by the terms of your plan. The first installment (the down payment) is withdrawn upon your initial purchase. Equal payments of the remaining balance are due on the same day of each month until the balance is paid in full. These payments are automatically withdrawn from your chosen payment method each month. No action is required to initiate these.

Installments are withdrawn every month. For example, if the first payment is submitted on September 3rd, the next payments will be charged on the same day due of the duration of the plan.

Changing the Payment Date

You may request a change to the recurring monthly payment date once during your payment plan.  Please contact Stephanie Elkowitz at support@stephanieelkowitz.com to change the payment due date. This MUST be done at least 72 hours BEFORE the next payment is due. Once the date is changed, all subsequent payments will be set at the new date. Payment dates cannot be changed after a payment attempt has been made. 

Paying your Balance in Full

You may pay your balance in full at any time in your Partial.ly account. Go to Details > Schedule. Choose “Pay another amount now.” 

If you need further assistance, please contact Stephanie Elkowitz at support@stephanieelkowitz.com.

Unsuccessful (Failed) Payments

If a payment fails, you will be notified by email. A rescheduled payment date will be set for two days later. Partial.ly will make three attempts to process your installment with your payment method, two days between each attempt.

You can manually make the payment before the rescheduled date. You can change your payment method by logging in to your account at https://partial.ly/login to prevent your payment plan from defaulting. 

To prevent payment failure, you can set a backup payment method in your Partial.ly account when setting up your payment plan. 

There are no fees or interest penalties imposed by Stephanie Elkowitz, LLC for late payments. 

Payment failure is done by the bank or credit card company. Stephanie Elkowitz, LLC does not have access to your banking information and is unable to see why the payment was declined.  This is an automated system between your account and your chosen payment method. Please contact your bank or credit card company for more information.

Defaulted Payment Plans

If your monthly payment fails, your account is said to be in default. You will lose access to ALL purchases at www.stephanieelkowitz.com. Your purchase(s) is/are classified as suspended. You cannot make additional purchases or open new payment plans. 

Partial.ly will try to reinstate your original payment schedule the following month.

Your purchases at www.stephanieelkowitz.com will be reinstated when the payment plan is paid in full. You can pay your plan in full or contact me to create a new payment plan to have your purchase(s) reinstated sooner.

No fees are imposed to reinstate or change your payment so to provide grace and support for my customers. 

For more information about defaulted payment plans with Partial.ly, refer to this webpage: https://support.partial.ly/plan-defaulted-customer/

PARTIAL.LY AND STEPHANIE ELKOWITZ, LLC RESERVE THE RIGHT TO REFER DEFAULTED PAYMENT PLANS TO COLLECTIONS AGENCIES AND TO CREDIT BUREAUS.

Repeated Missed Payments

Partial.ly will attempt to reinstate your original payment schedule for three months.

Payment plans in default for more than three months are reported to TrueAccord for collection. 

CUSTOMERS WHO HAVE THEIR PLANS REPORTED TO COLLECTION PERMANENTLY LOSE ACCESS TO THEIR PURCHASES AT WWW.STEPHANIEELKOWITZ.COM DUE TO THE FEES INCURRED BY STEPHANIE ELKOWITZ, LLC FOR REPORTING THE DEFAULTED PLAN(S). 

Price Increases

If your payment plan defaults, your purchase will be classified as suspended. You may be subjected to price increases and need to pay a price difference to reinstate your purchase. A suspended purchase will be subjected to any price increases after 30 days of a defaulted payment. 

Changes to Payment Plan Terms

Stephanie Elkowitz, LLC reserves the right to alter the payment plan terms in the future. 

Updated: March 20, 2024