Payment Policy – HUBVIRAL

Effective Date: March 3, 2025

At HUBVIRAL, we aim to provide you with a seamless and secure payment experience when purchasing luxury jewelry from our website https://hubviral.xyz/. Our Payment Policy outlines the accepted payment methods, security measures, and other relevant information to help you make your purchase with confidence.

1. Accepted Payment Methods

We accept a variety of secure payment methods for your convenience:

  • Credit and Debit Cards:

    • Visa
    • MasterCard
    • American Express
    • Discover

  • PayPal: You can use your PayPal account for a secure payment option.

  • Apple Pay: Available for customers who prefer using Apple’s payment system.

  • Google Pay: Available for customers who prefer using Google Pay on supported devices.

All transactions made on our website are encrypted using SSL (Secure Sockets Layer) technology to protect your payment details and ensure a secure purchasing process.

2. Currency

The prices displayed on the website are in USD (United States Dollar). For international customers, your payment will be converted to your local currency at the exchange rate provided by your payment provider or card issuer. Please note that exchange rates and transaction fees may vary.

3. Payment Security

Your security is our priority. We use industry-standard encryption technologies, such as SSL (Secure Socket Layer), to protect your personal information during the transaction process. Our website does not store sensitive financial information such as credit card numbers, ensuring that your data is kept secure at all times.

  • 3D Secure: To further protect your payment, we may use 3D Secure authentication for credit and debit card transactions. This is an additional layer of security to help prevent fraud during your payment process.

4. Payment Authorization

When placing an order, the payment is authorized immediately at checkout, but it will not be charged to your card until your order is processed. We may place an authorization hold on your card to verify your payment method.

Once your order is confirmed and processed, the final charge will be made, and you will receive an email notification with the details of your payment.

5. Billing Information

To complete your purchase, you must provide accurate billing information, including:

  • Billing address
  • Phone number
  • Email address

The billing address should match the one associated with your payment method to avoid any issues with payment authorization. If the address does not match, your transaction may be declined or delayed.

6. Payment Processing Time

  • Instant Payment: Payments made through PayPal, Apple Pay, or Google Pay are processed instantly.
  • Credit/Debit Card Payments: Payment authorization may take up to 1-2 business days to be processed and confirmed, depending on the card issuer.

Once your payment has been successfully processed, you will receive an email confirmation with your order details.

7. Taxes and Duties

  • Sales Tax: Sales tax will be applied to your order based on your location. The applicable tax rate will be calculated and displayed at checkout.
  • Customs Duties: For international orders, customs duties, taxes, and import fees may apply, which are the responsibility of the customer. These charges will vary based on the destination country and local regulations.

Please check with your local customs office for more information on any duties or taxes that may be imposed on your purchase.

8. Failed Payments

If your payment fails for any reason, you will receive a notification from our payment system. You may attempt to complete your payment again using an alternate payment method or by resolving any issues with your card issuer or payment provider.

In the case of multiple failed payment attempts, your order may be canceled, and you will be notified accordingly.

9. Payment for Pre-Orders and Backorders

For items that are available for pre-order or are on backorder, the payment will be processed at the time of purchase. Once the product becomes available, we will ship your order to the address provided.

10. Refunds and Cancellations

  • Refunds: If you are eligible for a refund (in accordance with our Refund and Return Policy), the amount will be credited back to your original payment method.
  • Cancellations: If you wish to cancel an order, please contact us as soon as possible. Once an order has been processed or shipped, it cannot be canceled.

11. Disputes and Chargebacks

In the event of a dispute or chargeback request from your payment provider, we will cooperate fully with your bank or payment processor to resolve the issue. If a chargeback is filed for a legitimate transaction, HUBVIRAL reserves the right to suspend or cancel future transactions with the customer.