Instalment Purchase

1. Scope

These terms govern any plot purchase at Sahwira Glen Forest Memorial Park where the customer has elected to pay in monthly instalments rather than in full at the point of sale. By selecting "Instalment" at checkout and ticking the acknowledgement box, the customer agrees to be bound by these terms.

2. Reservation, not ownership-for-use

• Upon successful payment of the down payment, the specific plot is reserved in the customer's name and removed from public sale.
• The plot becomes available for burial use only when the full purchase price (including all instalments, maintenance, placard, and tombstone components) has been paid up.
• The customer is recorded as the registered purchaser from the date of the first payment, but the right of use vests only on full settlement.

3. Instalment plans, deposit and fees

• Instalment plans are offered over fixed terms of 6, 12, 18, 24, 36 or 60 months, as displayed at checkout. The terms available to a given order are those shown in the portal at the time of purchase.
• A deposit of ten percent (10%) of the package base price is payable at checkout on every instalment plan. The customer may voluntarily pay a larger deposit, up to the full base price.
• Instalment purchases carry a financing and administration charge that increases with the length of the chosen term. This charge is included in the Total shown at checkout before the customer confirms the purchase, and is recovered within the monthly instalments unless the checkout states otherwise. The cash price and the instalment total for each term are always displayed before payment.
• The total contract price for the chosen term, as displayed and accepted at checkout, is fixed for the life of the plan.
• Monthly instalments are equal, are due on the same calendar day each month as the original purchase, and continue until the balance reaches zero.
• Payment may be made through any of the channels supported by the portal (EcoCash, Visa/Mastercard, ZB Smile & Pay, Sahwira Money), or as otherwise arranged with Sahwira.

4. Early settlement

The customer may settle the outstanding balance in full, or pay any amount in advance of the schedule, at any time. Early settlement makes the plot available for burial immediately, subject to administrative confirmation by Sahwira.

5. Where the plot is needed before full payment

If a burial need arises before the instalment plan is complete:

• The customer (or their representative or beneficiary) may settle the outstanding balance in a single payment, at which point the plot becomes immediately usable.
• Where the customer holds a Nyaradzo funeral policy that covers the grave purchase, the policy may settle the outstanding balance in line with the policy's terms.
• Where neither option is possible, Sahwira will arrange a like-for-like alternative or a refund of paid instalments, subject to a small administrative deduction. Each case is reviewed individually by Sahwira.

6. Late payment, arrears and default

• A grace period of seven (7) days applies after each due date. A payment is considered late once the grace period has passed.
• A late-payment charge of up to 2% of the overdue instalment may be applied for each month the instalment remains unpaid. Payment reminders are sent by SMS, WhatsApp or email.
• Accounts in arrears are reviewed monthly. At 30 days of arrears the customer is contacted; at 60 days a formal demand is issued; at 90 days the account is classified as in default; at 120 days recovery processes may begin.
• At 180 days or more of arrears Sahwira may cancel the reservation, release the plot for resale, and refund the customer in accordance with section 7 below.
• Customers facing temporary difficulty are encouraged to contact Sahwira early — revised payment arrangements may be agreed before an account reaches default.

7. Cancellation by the customer

The customer may cancel an instalment purchase at any time before the plot is used for a burial. Refunds are calculated as follows:

• Within 30 days of purchase: refund of 90% of all amounts paid.
• 31 to 180 days: amounts paid are refunded less administration and collection costs incurred.
• After 180 days: the refund is based on the amounts paid less the accumulated administration, financing and collection costs over the life of the plan.

Refunds are processed to the original payment method or as otherwise agreed, within a reasonable period of the cancellation being confirmed.

8. Pricing

The Total quoted at checkout for the chosen term is the contracted price for the plan and is not affected by subsequent price changes at Sahwira. The instalment total differs from the cash price because it includes the financing and administration charge for the deferred-payment arrangement described in section 3. Choosing a shorter term, a larger deposit, or early settlement reduces the customer's overall time to full ownership-for-use but does not change the contracted total.

9. Records

All correspondence, instalment receipts, and the original order confirmation are retained in the customer's portal account under My Orders. The customer is encouraged to download or print the order confirmation for their records.

These terms are subject to the laws of Zimbabwe. Sahwira may amend these terms from time to time; the terms applicable to a customer's purchase are those in force at the time of the original purchase.