Payment Policy

Effective Date: June 25, 2025

This Payment Policy outlines the terms and conditions governing all financial transactions conducted on this website. By completing a purchase or engaging in any transaction, you acknowledge and accept the terms outlined herein. This policy is designed to ensure transparency, fairness, security, and legal compliance in all payment-related matters.

1. General Terms

  • All transactions made through this website are subject to the terms of this Payment Policy.

  • The policy applies to all users regardless of geographic location, payment method, or currency exchange rates. All monetary values referenced herein are in United States Dollars (USD).

  • This Payment Policy forms part of the website’s broader Terms and Conditions.

2. Accepted Payment Methods

We offer multiple payment options to ensure customer convenience. The availability of specific methods may vary depending on your location and device.

2.1 Credit and Debit Cards

We accept major credit and debit cards, including but not limited to:

  • Visa

  • MasterCard

  • American Express

  • Discover

Cards must be valid and issued by a recognized financial institution. All card transactions are processed through secure, PCI-compliant gateways.

2.2 Digital Wallets

Depending on regional availability, we accept digital wallets such as:

  • Apple Pay

  • Google Pay

  • PayPal

  • Stripe Wallet

  • Amazon Pay

2.3 Bank Transfers

For select orders or high-value transactions, bank transfer options may be provided. Processing times may vary depending on the issuing and receiving institutions.

2.4 Buy Now, Pay Later Services

Where permitted, we may offer installment or deferred payment options through third-party services (e.g., Klarna, Afterpay). These services are subject to approval and their respective terms of use.

2.5 Gift Cards or Store Credit

If applicable, store-issued gift cards or credit balances can be used as partial or full payment.

3. Currency and Exchange Rates

  • All prices listed and charged on this website are in USD.

  • If you are purchasing from a country that uses a different currency, your financial institution may apply a conversion fee or use a different exchange rate.

  • We are not responsible for any additional charges incurred from currency conversion or international transactions.

4. Payment Authorization and Verification

4.1 Authorization

When you place an order, the total amount (including taxes, shipping, and applicable fees) will be authorized on your payment method.

4.2 Verification

To combat fraud and unauthorized use:

  • We may request additional verification such as ID, billing address confirmation, or phone/email validation.

  • Orders may be held or canceled if verification fails.

4.3 Failed or Declined Payments

If your payment is declined:

  • You will receive an on-screen notification or email prompting you to reattempt.

  • The order will not be processed until full payment is successfully received.

5. Billing and Charges

5.1 Billing Information

You are responsible for providing accurate billing information. Any discrepancies may result in order delays or cancellation.

5.2 Charges

All charges will be listed during the checkout process and confirmed prior to payment. These may include:

  • Product or service costs

  • Taxes (e.g., sales tax, VAT, or GST where applicable)

  • Shipping and handling fees

  • Import duties (for international orders, see section 9 of the Delivery Policy)

5.3 Invoice and Receipts

A digital receipt or invoice will be sent via email upon successful payment. You may also view or download it from your account dashboard (if applicable).

6. Payment Timing and Order Processing

  • Orders will not be processed or shipped until full payment has been received and confirmed.

  • In the case of installment plans, only eligible products may be shipped after the first payment, depending on the agreement with the third-party financier.

  • If payment is pending due to a third-party review (e.g., PayPal eCheck), order processing will be delayed until confirmation is received.

7. Subscription and Recurring Payments (If Applicable)

Some products or services may be offered on a subscription basis.

7.1 Recurring Billing

By subscribing, you authorize us to automatically charge your selected payment method at the agreed interval (e.g., monthly, quarterly, annually).

7.2 Cancellation

You may cancel a subscription at any time via your account settings or by contacting customer support. Cancellations must be made at least 48 hours before the next billing cycle.

7.3 Failed Recurring Payments

If a recurring payment fails:

  • We will attempt to retry the charge up to three (3) times.

  • Access to subscription services may be suspended until payment is completed.

8. Refund Policy

Our general Refund Policy governs eligibility and procedures for requesting a refund.

  • Refunds are issued using the original method of payment.

  • Processing times may vary (typically 5–10 business days).

  • Shipping fees, taxes, and transaction costs may not be refundable unless required by law.

Please review our full Return and Refund Policy for more information.

9. Chargebacks and Payment Disputes

9.1 What Is a Chargeback?

A chargeback is a reversal of a credit/debit card charge initiated by the cardholder’s bank.

9.2 Our Policy

We consider chargebacks to be a serious matter. If you believe a charge was made in error:

  • Please contact us first to resolve the issue.

  • Filing a chargeback without legitimate reason may be considered fraud and could result in:

    • Account suspension or termination

    • Loss of future purchasing privileges

    • Legal action

9.3 Fraudulent Chargebacks

Fraudulent or unfounded chargebacks may be contested with the payment processor, and supporting evidence will be provided to protect our rights.

10. Taxes and Compliance

  • Sales tax, VAT, or GST may be charged based on your shipping address and applicable local laws.

  • You are responsible for reporting and paying any additional taxes required in your jurisdiction.

  • If you are a tax-exempt organization or entity, you must provide valid documentation prior to checkout.

11. Promotions, Coupons, and Discounts

11.1 General Terms

Promotional discounts, coupon codes, or sales campaigns may be offered periodically.

  • Only one coupon or discount can be used per order unless otherwise stated.

  • Promotions are valid only during the period specified and are non-transferable.

11.2 Abuse of Promotions

We reserve the right to cancel orders or restrict accounts that engage in abuse or misuse of promotional offers.

12. Payment Security and Data Protection

12.1 Encryption

All payment information is transmitted using SSL (Secure Socket Layer) encryption. Sensitive data (e.g., credit card numbers) is processed securely and never stored on our servers.

12.2 Third-Party Processors

We use trusted third-party processors (e.g., PayPal, Stripe) to handle payments. Their terms and privacy policies also apply.

12.3 Fraud Prevention

We reserve the right to:

  • Cancel or flag suspicious transactions.

  • Report fraudulent activity to authorities.

  • Block IP addresses or device IDs if misuse is detected.

13. Price Changes and Errors

13.1 Price Updates

Product or service prices may change at any time without notice. The price at the time of checkout is final and binding.

13.2 Typographical Errors

If a product is listed with an incorrect price due to typographical error, system glitch, or human mistake:

  • We reserve the right to cancel or refuse the order.

  • You will be notified and offered the opportunity to re-order at the correct price.

14. Cancellation of Orders Due to Payment Issues

Your order may be canceled automatically if:

  • Payment is not received or verified within a reasonable timeframe.

  • Fraudulent activity is suspected.

  • The payment method used is flagged or declined.

In such cases, any temporary holds on your funds may take time to release, depending on your financial institution.

15. Payment for Pre-Orders and Backorders

15.1 Pre-Orders

Pre-ordered items are billed at the time of order unless otherwise stated. Shipping will occur once the item becomes available.

15.2 Backorders

If an item is backordered:

  • You will be charged immediately to reserve the item.

  • Estimated delivery dates will be provided but are subject to change.

16. Limitations and Prohibited Transactions

You may not use this website or its payment services for:

  • Purchasing illegal, restricted, or hazardous items.

  • Laundering money or funding unlawful activities.

  • Using stolen or unauthorized payment methods.

Violations will result in immediate account suspension and may be reported to law enforcement.

17. Governing Law

This Payment Policy shall be governed and interpreted in accordance with the laws of the jurisdiction in which our operations are based, without regard to conflict of law provisions. All transactions are considered to be completed in USD.

18. Amendments to This Policy

We reserve the right to update or modify this Payment Policy at any time. Changes will become effective upon being posted on the website. You are encouraged to review this page regularly.

19. Your Consent

By completing a payment transaction on this website, you confirm:

  • That you are authorized to use the payment method.

  • That you have read, understood, and agreed to this Payment Policy.

  • That your payment does not violate any laws or third-party terms.