E&M Pay-in-Installment Support — Terms
1. No interest. This is not a loan with interest. You pay only the agreed value of the materials, labour or project works supplied by E&M, spread across an agreed installment plan.
2. Agreed plan. Before any works or supplies begin, E&M and you will agree in writing: the total value, the deposit (if any), the installment amount, the frequency (weekly, monthly, or one-off), and the completion timeline.
3. Commitment to pay. You commit to making every installment on the agreed dates. Late or missed payments may pause further supply or works until the account is brought up to date.
4. Ownership. Materials and works remain the property of E&M Construction Supplies LTD until the full agreed amount is paid. Upon full payment, ownership transfers to you.
5. Supply mode. If you choose continuous per-day supply, E&M will supply only what is required for that day/phase, to avoid putting you under unnecessary financial pressure.
6. Assessment. E&M may visit your site and verify the information you provide before approving support. Approval is at E&M's discretion.
7. No hidden charges. There are no interest charges or hidden fees. Any agreed service or delivery fee will be stated clearly in your payment plan.
8. Data use. Your information is used only to assess your request and manage your installment plan. It is never sold to third parties.
9. Cancellation. Either party may stop the arrangement with written notice. Materials or works already supplied must be paid for.
10. Contact. For any question about your installment plan, contact E&M at mnjohnthan@gmail.com.