You must be clicking an advertisement. We don't have a billing system in place - everything is 100% free.
To download the ringtones make sure you're not clicking the advertisement - You want to be in the "Download: MP3 / WAV / M4R" section. (Right click -> save as works best)
Once the ringtone is downloaded to your PC, you can send it to your phone via: email, USB cable, Bluetooth, SD memory card, ect. Personally I would recommend a USB cable as it is the most simple method.