Payment due NET <%terms%> Days from date of Invoice. Interest on overdue amounts will acrue at the rate of 12\% per annum starting from <%duedate%> until paid in full. Items returned are subject to a 10\% restocking charge.
A return authorization must be obtained from <%company%> before goods are returned. Returns must be shipped prepaid and properly insured.
<%company%> will not be responsible for damages during transit.