Payment Methods Policy

At Hemform, we provide secure and transparent payment options for purchases made through hemform.com.

This Payment Methods Policy explains the payment methods available at checkout, when customers are charged, how payment authorization works, how refunds are returned, and how payment-related issues are handled.

Summary

1. Accepted Payment Methods

Hemform accepts the payment options displayed during checkout on hemform.com.

Available payment methods include major credit and debit card networks and supported express checkout or digital wallet options.

2. Credit and Debit Cards

We accept eligible cards issued through the following payment networks:

• Visa
• Mastercard
• American Express
• Discover
• Diners Club
• Elo
• JCB
• UnionPay

Customers may enter their card details through the secure checkout page when the selected card network is available for the transaction.

Acceptance may depend on the card issuer, payment provider, transaction authorization, and checkout availability.

3. Express Checkout and Digital Wallets

Where displayed and available at checkout, customers may use the following express checkout or digital wallet options:

• Shop Pay
• PayPal
• Google Pay
• Apple Pay
• Venmo

These payment options may allow eligible customers to complete checkout using payment and contact information already stored with the applicable payment provider.

Availability may depend on the customer's device, browser, account, payment provider, and technical eligibility.

Only payment methods actually displayed during checkout are available for a particular transaction.

4. Payment Currency

All prices and payments on hemform.com are processed in:

U.S. Dollars (USD)

If your payment account uses another currency, your bank or payment provider may perform currency conversion according to its own exchange rate and terms.

Any currency conversion fees imposed independently by a bank, card issuer, or payment provider are not charges imposed by Hemform.

5. Pricing Transparency

We aim to display clear pricing before customers place an order.

Before payment is submitted, customers can review the applicable:

• Product price
• Quantity
• Included applicable tax
• Shipping charge
• Discounts, if any
• Final order total

Our standard shipping charge is:

$6.99 per order

The shipping charge is displayed during checkout before the order is completed.

6. Taxes

Product prices displayed on hemform.com include applicable tax.

The applicable checkout total is shown before payment is submitted.

Customers are able to review the final payable amount before confirming their purchase.

7. No Hidden Charges

Hemform does not intentionally add undisclosed mandatory charges after an order is submitted.

Any amount charged by us for the order will correspond to the amount presented during checkout, subject to any customer-authorized modification or lawful adjustment.

Third-party banks or payment providers may independently impose fees under their own agreements with customers, such as:

• Foreign transaction fees
• Currency conversion fees
• Bank fees
• Card issuer fees

These third-party charges are not collected by Hemform.

8. Payment Authorization

When an order is placed, the selected payment method may be authorized or charged as part of checkout.

Payment authorization confirms that:

• The payment method is valid.
• Sufficient funds or credit may be available.
• The payment provider approves the transaction.

An approved authorization does not necessarily mean that an order has already shipped.

Orders remain subject to normal processing, verification, and fulfillment procedures.

9. When Payment Is Charged

Depending on the payment provider and payment method, payment may be authorized or collected during checkout.

The customer will always be shown the order total before submitting the transaction.

We do not intentionally charge customers more than the disclosed order total without separate authorization.

10. Payment Verification

Some transactions may require verification before fulfillment.

Verification may be performed to:

• Protect the customer
• Prevent unauthorized transactions
• Confirm payment validity
• Prevent fraud
• Protect payment systems

If additional verification is reasonably necessary, fulfillment may be temporarily delayed while the transaction is reviewed.

11. Declined Payments

A payment may be declined for reasons determined by the card issuer, bank, wallet provider, or payment processor.

Common reasons may include:

• Incorrect payment details
• Incorrect billing information
• Insufficient available funds
• Expired card
• Issuer security restrictions
• Transaction limits
• Suspected unauthorized activity

If a payment is declined, the customer may try another available payment method or contact their payment provider.

12. Failed Transactions

If checkout indicates that a transaction failed, customers should not assume the order was successfully placed unless an order confirmation is received.

If you are uncertain whether an order was completed, contact:

support@hemform.com

Please provide your name and any order information available.

13. Duplicate or Pending Charges

In some cases, customers may see a temporary pending payment authorization after a checkout attempt.

A pending authorization does not always represent a completed charge.

Banks and payment providers may temporarily reserve funds while verifying a transaction.

If you believe you have been charged more than once for the same order, contact us at:

support@hemform.com

Please include:

• Your full name
• Order number
• Transaction date
• Amount shown
• Description of the issue

Do not send complete card numbers or sensitive payment credentials by email.

14. Credit and Debit Card Security

Card payments are processed using secure checkout technologies and authorized payment service providers.

Payment providers may use security technologies such as:

• Encryption
• Fraud detection
• Payment tokenization
• Transaction monitoring
• Card verification
• Authentication methods

We do not intentionally request customers to send full payment card numbers by ordinary email.

15. Shop Pay

Where available, Shop Pay may allow eligible customers to use saved payment and checkout information.

Use of Shop Pay may also be subject to the terms and privacy practices of the applicable payment provider.

If Shop Pay is not shown during checkout, it is not available for that transaction.

16. PayPal

Where available, customers may select PayPal and complete payment through their eligible PayPal account.

PayPal transactions may be subject to PayPal's own:

• Account requirements
• Payment authorization procedures
• Security checks
• Privacy practices
• Transaction terms

If PayPal is not displayed at checkout, it is not available for that transaction.

17. Google Pay

Where available, Google Pay may allow eligible customers to complete payment using a supported payment method stored in their Google Pay account.

Availability may depend on:

• Device
• Browser
• Account eligibility
• Supported payment method
• Checkout configuration

18. Apple Pay

Where available, Apple Pay may allow eligible customers to make payment using supported Apple devices and stored payment credentials.

Availability may depend on:

• Compatible device
• Browser
• Region
• Bank or card issuer
• Checkout eligibility

19. Venmo

Where available during checkout, eligible customers may use Venmo according to the availability and requirements of the payment provider.

Venmo availability may depend on account eligibility, device, and checkout configuration.

20. Third-Party Payment Providers

Certain payment methods are operated by independent third-party providers.

These providers may process information such as:

• Payment credentials
• Billing information
• Transaction information
• Device information
• Fraud-prevention information

Their processing is subject to their own applicable privacy and service terms.

21. Order Confirmation

After a successful checkout, customers may receive an order confirmation.

The confirmation typically includes:

• Order number
• Purchased products
• Order total
• Shipping information
• Other order details

Customers should review this information and contact us promptly if anything appears incorrect.

22. Payment and Order Acceptance

Successful payment authorization does not override product availability or legitimate order review procedures.

An order may still require review for reasons such as:

• Product availability
• Payment verification
• Shipping address validation
• Fraud prevention
• Duplicate transactions
• Technical errors

If an order cannot be fulfilled after payment has been collected, the applicable amount will be refunded.

23. Payment for Order Changes

If an approved order modification increases the order total, the customer may need to authorize additional payment before the change is completed.

If an approved modification decreases the order total, the applicable difference may be refunded to the original payment method.

Order modifications are subject to the Order Cancellation & Change Policy available on hemform.com.

24. Order Cancellations and Payment Refunds

If an order is successfully cancelled before fulfillment and a payment has already been collected, the applicable amount will be refunded to the original payment method.

There is no administrative cancellation fee for an eligible cancellation.

Cancellation requests should be submitted according to the Order Cancellation & Change Policy.

25. Refund Method

Approved refunds are generally returned to the:

Original payment method used for the purchase

Examples include:

• Visa purchase → refund to the applicable Visa account
• Mastercard purchase → refund to the applicable Mastercard account
• PayPal purchase → refund through PayPal
• Apple Pay purchase → refund through the payment method associated with the transaction
• Google Pay purchase → refund through the applicable original payment channel

We do not normally issue refunds to unrelated cards, wallets, or accounts.

26. Refund Processing Time

For eligible product returns, refunds are processed according to our Return & Refund Policy.

After an eligible returned product has been received and approved, Hemform processes the refund within 7 business days.

After we submit a refund, the customer's bank, card issuer, or digital wallet provider may require additional time to post the credit.

That additional provider processing time is outside our direct control.

27. Return Shipping and Refund Costs

Eligible approved returns receive:

• Free return shipping
• Prepaid return label by email
• $0 restocking fee
• $0 storage fee

Complete return and refund requirements are described in the Return & Refund Policy available on hemform.com.

28. Chargebacks and Payment Disputes

If you believe there is a problem with a transaction, we encourage you to contact us first at:

support@hemform.com

We will review legitimate concerns involving:

• Duplicate charges
• Incorrect transaction amounts
• Refund problems
• Unauthorized-order concerns
• Order-related payment issues

Customers retain any lawful rights available through their bank or payment provider.

29. Unauthorized Transactions

If you believe a payment method was used without authorization, contact your bank, card issuer, or payment provider promptly.

You may also contact us at support@hemform.com so we can review the relevant order information.

For security reasons, we may request reasonable verification before discussing transaction details.

30. Fraud Prevention

We may review transactions for indicators of fraud or unauthorized activity.

Payment or order review may consider factors such as:

• Unusual transaction behavior
• Payment authorization results
• Address inconsistencies
• Multiple suspicious attempts
• Payment provider security alerts

An order may be held or cancelled when reasonably necessary to protect customers and prevent fraud.

If payment has been collected for a cancelled order, the appropriate refund will be issued.

31. Billing Information

Customers are responsible for providing accurate payment and billing information.

Depending on the payment method, this may include:

• Name
• Billing address
• ZIP code
• Payment credentials
• Other information required by the payment provider

Incorrect billing information may result in payment failure or additional verification.

32. Secure Checkout

Customers should complete payments only through the official checkout process on hemform.com.

We do not ask customers to make ordinary store payments by sending:

• Complete card details through email
• Card passwords
• Banking passwords
• Account login credentials

If you receive a suspicious payment request claiming to represent Hemform, contact support@hemform.com before taking action.

33. Customer Payment Responsibility

By submitting an order, customers confirm that:

• They are authorized to use the selected payment method.
• The payment information submitted is accurate.
• They agree to pay the total amount shown before checkout completion.
• They understand that third-party payment providers may apply their own terms.

34. Privacy and Payment Data

Payment-related personal information is handled in accordance with our Privacy Policy.

Payment information may be shared with payment providers as necessary to:

• Process transactions
• Prevent fraud
• Confirm authorization
• Process refunds
• Resolve payment disputes
• Meet legal obligations

We do not use payment information for unrelated purposes without an appropriate lawful basis.

35. Currency Conversion

All store prices are stated in USD.

If a payment method is linked to an account denominated in another currency, the customer's financial institution may:

• Convert the transaction
• Apply its own exchange rate
• Apply conversion fees

These charges are determined by the financial institution and are not controlled by Hemform.

36. Payment Provider Downtime

A particular payment option may occasionally be unavailable because of:

• Payment provider maintenance
• Technical problems
• Browser compatibility
• Device restrictions
• Network errors
• Payment provider service interruptions

If a specific payment method is unavailable, customers may select another payment option displayed at checkout.

37. Availability of Payment Methods

Payment methods may be displayed dynamically according to factors such as:

• Customer device
• Browser
• Payment provider availability
• Technical compatibility
• Checkout configuration

The payment methods displayed during checkout are the methods available for that transaction.

38. No Cash on Delivery

Unless explicitly displayed as an available checkout option, Hemform does not offer cash-on-delivery payment.

Customers must use one of the supported payment methods available through the website checkout.

39. No Payment by Check or Money Order

Unless specifically communicated otherwise through the official website, we do not accept payment by:

• Personal check
• Cashier's check
• Money order
• Direct cash mailing

Customers should use the payment options displayed during checkout.

40. Payment Policy Updates

We may update this Payment Methods Policy when necessary to reflect:

• Payment provider changes
• Checkout updates
• Operational changes
• Security requirements
• Legal requirements
• Changes in accepted payment methods

The current version will be published on hemform.com with an updated revision date.

41. Related Policies

This Payment Methods Policy should be read together with other policies published on hemform.com, including:

• Terms of Service
• Shipping Policy
• Return & Refund Policy
• Order Cancellation & Change Policy
• Privacy Policy
• Cookie Policy

These policies collectively explain the terms applicable to orders, payment, shipping, returns, refunds, and customer information.

42. Contact Information

For payment questions, transaction concerns, refund inquiries, duplicate charge concerns, or order-payment assistance, contact:

Please include your order number when available. For your security, do not send complete card numbers, payment passwords, or banking credentials by email.