Last updated: November 12, 2025
These Financing Terms explain how customers can pay over time for eligible ZenBud.health purchases using Shop Pay Installments, offered in partnership with Affirm. By choosing a financing option at checkout, you agree to these terms in addition to our main Terms & Conditions and Privacy Policy.
1) Who provides the financing?
Shop Pay Installments is offered in partnership with Affirm. Your loan (including any interest-bearing plan) is a separate agreement between you and Affirm or its lending partners, and is subject to their terms and disclosures. See Affirm’s consumer terms and lending licenses for details.
2) Eligibility & order limits
- Financing is generally available on orders $50–$30,000 (including taxes, shipping, and discounts). Minimums and maximums may vary by store or product; orders above certain amounts may require a down payment.
- Approval, available plans, and required down payments are determined by Affirm after an eligibility check and may vary by purchaser, order amount, and state. Some options may not be available everywhere.
3) Available payment options
Depending on your cart and eligibility, you may see:
- Pay in 4: Four equal payments due every two weeks (0% APR).
- Monthly installments: Longer plans with 0%–36% APR, determined at checkout based on credit and other factors. Example: an $800 purchase could be 12 monthly payments (with interest) or Pay-in-4 at $200 every two weeks (interest-free).
ZenBud.health is paid in full at shipment; you repay Affirm over time per your loan agreement.
4) Interest, fees & late payments
- No late fees, service fees, prepayment fees, or hidden fees are charged by Affirm. Interest, when applicable, is simple interest disclosed up front.
- Your exact APR, schedule, and total cost will be presented by Affirm during checkout before you accept.
5) Credit checks & reporting
Affirm may perform a soft or hard credit inquiry depending on the plan; details appear during application. Approval is not guaranteed. See Affirm’s Help Center for how underwriting and inquiries work.
6) Managing your payments
After checkout, you can manage your loan, update payment methods, enable autopay, or make extra payments in your Shop Pay/Shop app account or directly with Affirm.
7) Returns, cancellations & refunds on financed orders
Our standard Return Policy applies. If we process a refund on an order financed through Affirm:
- Affirm adjusts your remaining balance and/or issues a refund to your original payment method per your loan terms.
- Timing and allocation (principal vs. interest) are handled by Affirm.
For the customer flow and refund handling specifics, see Shopify/Shop Help guidance for Shop Pay Installments.
Note: Shipping costs, taxes, and discounts are part of the financed amount and are treated according to your loan’s refund rules.
8) Restricted items & order exclusions
Affirm periodically reviews merchants for compliance with its Prohibited Business Policy. ZenBud.health does not offer Shop Pay Installments for any items or uses restricted by Affirm or applicable law. If an item is ineligible, financing options won’t appear at checkout.
9) Geographic availability & legal notices
Financing options may not be available in all U.S. states or territories. State consumer notices and lender licenses are provided by Affirm.
10) Dispute resolution
Loan-related questions, payment disputes, or schedule changes must be directed to Affirm, as ZenBud.health is not the lender and cannot modify your loan. For product issues (e.g., damaged/incorrect items), contact ZenBud.health per our standard support process; we’ll handle the product matter and, if applicable, trigger any refund to your Affirm loan.
11) Contact
- Loan & payments: Affirm Support – see Affirm Help Center.
- Orders & returns: ZenBud.health Support – info@neurgear.com
Required/Recommended Footer Disclosures (place near financing messaging site-wide)
- “Payment options through Shop Pay Installments are subject to an eligibility check and are provided by Affirm’s lending partners. Options depend on your purchase amount and a down payment may be required.”
- “Rates are 0%–36% APR. Example: $800 purchase could cost $72.21/mo for 12 months at 15% APR. Pay in 4 is 0% APR.”
- “No late fees.” (Affirm)
- Link to Affirm licenses/notices and consumer terms.
Important note (not legal advice)
This draft is based on current public guidance from Shopify/Shop and Affirm and is meant as a starting point. BNPL rules, disclosures, and required marketing language can change and may vary by state. Please have your attorney confirm that this language and your onsite placements (product page, cart, checkout, and footer) meet all required disclosures for your markets.
