PAYMENT POLICY

Effective Date: January 14, 2025

Introduction

At Snapkreva, we aim to provide a seamless and secure payment experience for all our customers. This Payment Policy outlines the various payment methods we accept, the security measures we employ to protect your payment information, and the terms and conditions related to payments made for purchases on our website, snapkreva.com, or in-store. We encourage you to read this policy carefully before making a purchase. By placing an order with Snapkreva, you acknowledge that you have read, understood, and agreed to the terms outlined in this policy. This policy is subject to change without notice, and it is the responsibility of the customer to review this policy periodically for updates.

Contact Information

If you have any questions or concerns about this Payment Policy, please contact us at:

I. Accepted Payment Methods

  1. Credit Cards: We accept major credit cards, including Visa, MasterCard, American Express, and Discover.

  2. Debit Cards: We accept debit cards that are linked to major credit card networks (Visa and MasterCard).

  3. PayPal: We offer PayPal as a payment option for online purchases. You will be redirected to the PayPal website to complete your transaction.

  4. Other Payment Gateways: We may offer additional payment options through various third-party payment gateways, as indicated on our website.

  5. In-Store Payments: At our physical retail location, we accept the above methods as well as cash.

  6. Payment Flexibility: We continuously explore new secure payment technologies and may add other payment options in the future. We will notify you of new payment options on our website and in our marketing communications.

II. Payment Security

  1. Secure Transactions: All online transactions are processed through secure, third-party payment gateways that use SSL (Secure Socket Layer) encryption technology to protect your payment information.

  2. Data Protection: We do not store your credit card details on our servers. Your payment information is encrypted and transmitted securely to our payment processor.

  3. PCI Compliance: Our payment processors are PCI DSS (Payment Card Industry Data Security Standard) compliant, ensuring the highest level of security for your payment information.

  4. Fraud Prevention: We use various fraud prevention measures to detect and prevent fraudulent transactions. We reserve the right to cancel any order that we suspect is fraudulent or unauthorized.

  5. Secure Checkout: We ensure that our checkout process is secure and regularly tested for vulnerabilities.

  6. Your Responsibility: It is your responsibility to ensure your payment information is correct and accurate. We are not liable for any errors in payment information provided by you.

III. Pricing and Billing

  1. Pricing Display: All prices for products are displayed in U.S. dollars (USD) and are subject to change without prior notice.

  2. Taxes: Applicable sales tax will be added to your order at checkout, based on your shipping address.

  3. Shipping Costs: Shipping costs are calculated separately and added to your order total at checkout. Shipping rates vary depending on your location and the weight of your order.

  4. Total Amount: The total amount due for your purchase, including product price, taxes, and shipping fees, will be displayed before you finalize your transaction.

  5. Billing Information: You agree to provide accurate and complete billing information. We reserve the right to cancel any order if billing information is incomplete or inaccurate.

  6. Currency: All transactions are processed in U.S. Dollars (USD). If your payment method uses a different currency, your bank or payment provider may charge a conversion fee.

IV. Payment Processing

  1. Authorization: When you place an order, your payment method will be authorized for the total amount due.

  2. Payment Capture: Your payment will only be captured when your order is processed and ready for shipping or, for in-store purchases, when the transaction is completed.

  3. Pre-Authorization: For some orders, particularly pre-orders or items that are not immediately available, your payment method may be pre-authorized but not charged until the product is ready to ship.

  4. Failed Payments: If your payment fails, we will notify you via email and you will have the opportunity to update your payment method.

  5. Order Cancellation: Snapkreva reserves the right to cancel any order for which the payment cannot be processed.

V. Refunds

  1. Refund Policy: Please refer to our “Refund and Return Policy” for information regarding refunds.

  2. Refund Method: Refunds will be issued to the original method of payment.

  3. Processing Time: Refunds are typically processed within 7-10 business days after we receive and process your returned item. Please note that processing times may vary depending on your payment provider.

  4. Partial Refunds: In certain situations, partial refunds may be issued, as outlined in our “Refund and Return Policy.”

  5. Shipping Costs: Original shipping costs are non-refundable unless the return is due to our error or a defective product.

VI. Gift Cards

  1. Gift Card Terms: Snapkreva gift cards are subject to specific terms and conditions, as specified on the gift card or on our website.

  2. Redemption: Gift cards can be redeemed on our website or in-store.

  3. Non-Refundable: Gift cards are non-refundable and cannot be exchanged for cash.

  4. Expiration: Gift cards may have an expiration date, please refer to the gift card for the expiration date.

  5. Balance Inquiry: You can check the balance of your gift card on our website or by contacting our customer service team.

VII. Installment Plans

  1. Installment Options: If offered, installment payment options may be available through third-party providers.

  2. Terms and Conditions: Installment payment options are subject to the terms and conditions of the provider.

  3. Interest and Fees: Interest and fees may apply to installment payment plans.

  4. Approval Process: You will be subject to the third-party’s approval process for installment payment plans.

  5. Payment Obligations: You agree to comply with all payment obligations outlined in the terms and conditions of any installment plans you choose.

VIII. Policy Changes

Snapkreva reserves the right to modify this Payment Policy at any time. Any changes to this policy will be effective immediately upon posting on our website. We recommend that you review this policy regularly to stay informed of any updates.

IX. Contact Us

If you have any questions or concerns about this Payment Policy, please contact us using the information below:

We are dedicated to providing a secure and convenient payment experience. Thank you for choosing Snapkreva.