- the Product is returned to the Merchant and not replaced; or
- the Service is not provided or not provided to your reasonable satisfaction,
and the Merchant agrees you should receive some or all your money back, your obligation to make the instalment payments referred to in clause 3.1 or clause 3.2 (as applicable) will continue unaffected until the Merchant advises us:
- the Product has been returned and not replaced; or
- the Service has not been provided or not provided to your reasonable satisfaction,
and the Merchant has refunded the Purchase Price into our bank account in cleared and immediately available funds, at which time we will stop deducting instalment payments from your debit or credit card (as the case may be) for the relevant Product or Service and arrange to refund all amounts (if any) you have paid to us in respect of the relevant Product or Service (other than default fees).