Terms of Payment

Terms of Payment - warmyhoodie

Last Updated: 2025-12-20
These Terms of Payment ("Terms") govern all payment-related transactions for purchases made on warmyhoodie ("we", "us", "our" or the "Website"). By placing an order on the Website, you ("you" or "Customer") acknowledge that you have read, understood, and agreed to be bound by these Terms, as well as our Terms of Purchase, Shipping Policy, and Privacy Policy, which are incorporated herein by reference.

1. Accepted Payment Methods

To ensure a secure and convenient payment experience, we accept the following payment methods for orders placed on the Website:
  • Major Credit Cards: Visa, Mastercard, American Express, and Discover. All card transactions are processed through secure payment gateways compliant with industry security standards.
  • Debit Cards: Debit cards bearing the logo of any of the above-listed card networks (Visa, Mastercard, etc.), provided they are enabled for online transactions by your financial institution.
  • Third-Party Payment Platforms: PayPal. When using PayPal, you will be redirected to PayPal’s secure website to complete the payment, and PayPal’s terms of service will also apply to the transaction.
  • Digital Wallets: Apple Pay, Google Pay, and Samsung Pay. These methods allow for fast and secure payment using your stored payment credentials on your mobile device or browser.
We reserve the right to add, remove, or modify accepted payment methods at any time without prior notice. Any changes will be posted on this page, and the updated Terms will take effect immediately upon posting.

2. Payment Currency

All transactions on the Website are conducted in United States Dollars (USD). If your payment method uses a different currency, your financial institution will handle the currency conversion at the applicable exchange rate, and you may be subject to additional conversion fees. We are not responsible for currency conversion rates or any associated fees charged by your bank or payment provider.

3. Payment Authorization & Verification

3.1 Upon submitting your order, you authorize us to charge the total order amount (including product prices, applicable sales taxes, shipping fees, and any other applicable charges) to your selected payment method.
3.2 We will conduct real-time payment authorization to verify the validity of your payment method and ensure sufficient funds or credit limit to cover the order amount. If the authorization fails, your order will not be processed, and we will notify you promptly via email or the Website’s notification system. Common reasons for authorization failure include insufficient funds, expired payment method, incorrect card details (e.g., card number, expiration date, CVV), billing address mismatch, or restrictions imposed by your payment provider.
3.3 For fraud prevention purposes, we may request additional verification information (e.g., proof of identity, billing address confirmation) before processing your payment. If you fail to provide the requested information within a reasonable time, we reserve the right to cancel your order.

4. Order Charges & Refunds

4.1 Once payment authorization is successful, we will charge the full order amount to your payment method. A confirmation email containing your order details and payment receipt will be sent to your registered email address.
4.2 In the event of order cancellation (per our Terms of Purchase), return, or refund eligibility, we will initiate a refund to your original payment method. Refunds will be processed in USD, and the refund amount will be equal to the amount you paid for the applicable products (excluding non-refundable fees such as shipping fees, where applicable).
4.3 Refund processing times vary depending on your payment method and financial institution. Typically, refunds are reflected in your account within 5-10 business days of initiation. We are not responsible for delays in refund posting caused by your payment provider.

5. Payment Security

We take the security of your payment information seriously. All payment transactions are encrypted using Secure Sockets Layer (SSL) technology and processed through PCI DSS (Payment Card Industry Data Security Standard) compliant payment processors. We do not store your full payment card details on our servers; all sensitive payment information is handled by our trusted third-party payment partners.

6. Your Responsibilities

6.1 You warrant that you are the authorized user of the payment method used for the order and that you have sufficient funds or credit to cover the total order amount.
6.2 You agree to provide accurate and complete payment information (e.g., card number, expiration date, CVV, billing address) when placing an order. We are not liable for payment processing delays or failures caused by incorrect or incomplete payment information.
6.3 You must notify us immediately if you suspect any unauthorized use of your payment method on the Website. You also agree to notify your payment provider promptly to report any unauthorized transactions.

7. Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any damages, losses, or expenses arising from: (a) payment authorization failures not caused by our negligence; (b) currency conversion fees or exchange rate fluctuations; (c) delays or errors in payment processing by your financial institution or third-party payment provider; (d) unauthorized access to your payment information due to your failure to maintain the security of your account credentials.

8. Contact Us

If you have any questions, concerns, or inquiries regarding these Terms of Payment or your payment transactions, please contact our customer service team:
Email: support@warmyhoodie.com
Service Hours: Monday to Sunday, 9:00 AM - 8:00 PM (Eastern Time)