Last updated: June 2026
Earth Scientific Spa, operated by Palm Beach Cosmetics LLC, may offer eligible clients access to third-party financing options for aesthetic services, wellness services, memberships, packages, and approved purchases. Financing is offered to support thoughtful access to care; it is not a recommendation to borrow, a guarantee of approval, or a substitute for reviewing your personal financial obligations.
Financing allows eligible clients to apply for payment-over-time options through an independent financing provider. Approval, available loan amounts, repayment options, annual percentage rate, down payment requirements, payment schedule, and other terms are determined by the financing provider and may vary by client, transaction amount, location, and creditworthiness.
Earth Scientific Spa does not make credit decisions, determine APR, set repayment terms, or control financing approval. Clients are responsible for reviewing all financing disclosures before accepting any financing offer.
Where Affirm is available, payment options through Affirm are subject to eligibility, approval, and an eligibility check. Rates may range from 0–36% APR depending on creditworthiness and the offer presented at checkout. Affirm Pay in 4 is 0% APR. Options depend on purchase amount, may vary, and a down payment may be required.
Affirm’s specific terms, payment schedule, finance charges, APR, down payment, lender information, and other loan disclosures are provided by Affirm before a client accepts a financing plan. Clients should review Affirm’s final disclosures carefully and only proceed if they understand and agree to the repayment obligation.
By choosing to apply for or use financing, you acknowledge that you are responsible for understanding your repayment obligations, maintaining accurate contact and payment information with the financing provider, making payments on time, and contacting the financing provider directly with questions about your loan, payment schedule, or account.
Financing approval does not determine whether you are a candidate for a treatment. All aesthetic and wellness services remain subject to consultation, medical oversight where applicable, informed consent, contraindication review, and provider discretion.
Before accepting a financing offer, you should confirm that you have reviewed the amount financed, total cost, APR, payment frequency, due dates, down payment, cancellation/refund implications, and any provider-specific disclosures. By proceeding, you consent to the financing provider collecting and processing information necessary to evaluate and service your financing request.
Refunds, cancellations, unused package balances, or service changes may affect your financing balance but do not automatically cancel your repayment obligation. If a refund is approved under Earth Scientific Spa’s applicable policy, we will process the refund through the required payment or financing channel where possible. Clients remain responsible for confirming account adjustments with the financing provider.
Website content, consultations, and financing information are provided for general informational purposes. Earth Scientific Spa does not provide legal, tax, credit, or financial advice. Clients should consult their own financial advisor or review financing documents carefully before agreeing to any pay-over-time plan.
For questions about services, packages, or treatment recommendations, contact Earth Scientific Spa at admin+contactus@earthscientificpga.com. For questions about an Affirm account, credit decision, payment schedule, or financing terms, contact Affirm directly through the information provided in your Affirm account or financing disclosures.