Payment Policy

Effective Date: January 18, 2025

1. Introduction

At Pearlsplendorjewel, we are dedicated to providing a secure, transparent, and convenient payment process for all our customers. This Payment Policy outlines the terms and conditions related to payments for products purchased through our website, pearlsplendorjewel.com (the “Website”). By placing an order on our Website, you agree to abide by the terms of this Payment Policy.

2. Accepted Payment Methods

We accept the following payment methods for your convenience:

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

  • Debit Cards: We accept debit cards that are linked to a major credit card network, such as Visa or MasterCard.

  • PayPal: We offer the option to pay through PayPal, providing an alternative secure payment method.

  • [Add any other accepted payment methods, e.g., Apple Pay, Google Pay]

Please note that we may add or remove payment methods at any time without prior notice. Any changes will be posted on the Website.

3. Payment Security

We take the security of your payment information very seriously. We utilize industry-standard security measures to protect your data during transmission and processing, including:

  • SSL Encryption: We use Secure Socket Layer (SSL) encryption technology to protect your payment information during transmission over the internet. This ensures that your data is transmitted securely and cannot be intercepted by unauthorized parties.

  • PCI Compliance: We adhere to the Payment Card Industry Data Security Standard (PCI DSS) requirements. Our payment processing partners are PCI compliant, ensuring that your payment information is handled according to the highest security standards.

  • Tokenization: We do not directly store your complete credit or debit card information. Instead, we use tokenization, which replaces your sensitive payment data with a non-sensitive equivalent.

  • Secure Payment Gateways: We use reputable and trusted payment gateways to process your payments. These gateways provide additional security layers to protect your financial information.

4. Currency

All prices listed on our Website are in [Currency], and all payments must be made in [Currency]. If you are making a payment from a different country, your bank or card issuer may apply currency exchange fees. These fees are your responsibility, and we are not responsible for any additional costs associated with currency exchange.

5. Payment Authorization

By placing an order on our Website, you authorize Pearlsplendorjewel (or our designated payment processor) to charge the full amount of your purchase, including all applicable taxes, duties, and shipping fees, to your selected payment method. You confirm that you are the authorized user of the chosen payment method and that you have sufficient funds available to complete the transaction.

6. Pricing and Tax

  • Pricing Accuracy: We strive to ensure that all prices listed on our Website are accurate. However, errors may occasionally occur. In the event of a pricing error, we will notify you as soon as possible and provide you with the option to reconfirm your order at the correct price or cancel the order. If we cannot contact you, we will consider the order canceled.

  • Taxes: Applicable sales tax will be added to your order based on your shipping address and in accordance with applicable tax laws. The sales tax amount will be displayed at checkout. For international orders, you are responsible for paying any import duties, taxes, or other fees required by your country.

7. Order Confirmation and Payment Processing

  • Order Confirmation: After you place an order, you will receive an automated order confirmation email. This email confirms that we have received your order and that it has been submitted for processing. It is not a guarantee of acceptance.

  • Payment Processing: We will process your payment after receiving your order. We reserve the right to decline or cancel any order for any reason, including suspected fraudulent activity.

  • Payment Confirmation: Once your payment has been successfully processed, we will send you a payment confirmation email. This email will confirm the transaction and will typically include your order details and shipping information.

8. Payment Issues

If you encounter any issues with your payment, please contact our Customer Support team immediately at info@pearlsplendorjewel.com or by phone at (228) 374-2172. Common payment issues may include:

  • Payment Declines: If your payment is declined, please ensure that your payment information is correct and that you have sufficient funds available. You may need to contact your bank or credit card issuer for further assistance.

  • Duplicate Charges: If you suspect that you have been charged twice for the same order, please contact us immediately, and we will resolve the issue promptly.

  • Fraudulent Activity: We take fraud very seriously. If we suspect any fraudulent activity, we reserve the right to cancel the order, and you may be required to provide additional verification.

9. Refunds and Chargebacks

  • Refunds: If you are eligible for a refund, it will be processed using the same payment method used for the original purchase. Please refer to our Refund and Returns Policy for more information on refunds.

  • Chargebacks: If you initiate a chargeback without first contacting us to resolve the issue, we may suspend your account until the chargeback is resolved. If the chargeback is determined to be invalid, you will be responsible for all costs associated with the dispute.

10. Changes to This Payment Policy

Pearlsplendorjewel reserves the right to modify this Payment Policy at any time. Any changes will be effective immediately upon posting to the Website. We encourage you to review this policy regularly to stay informed of our payment procedures. Your continued use of the Website following the posting of any changes will mean that you accept and agree to those changes.

11. Contact Information

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

Pearlsplendorjewel
309 Santini St
Biloxi, MS 39530
Phone: (228) 374-2172
Email: info@pearlsplendorjewel.com
Website: pearlsplendorjewel.com