Payment Policy

Last updated: [date]

Accepted payment methods

We accept Visa, Mastercard, American Express, Maestro, Apple Pay, Google Pay, Shop Pay, PayPal and Klarna. Available methods vary by country and are shown at checkout.

Currency

Prices are displayed in your local currency where available. The currency you are charged in is confirmed on the checkout page before you pay. Your bank or card issuer may apply its own conversion rate or foreign transaction fee if it settles in a different currency — these charges are set by your bank and are not made or received by us.

No payment surcharges

We do not add any fee for choosing a particular payment method. The price you see at checkout is the price you pay.

When you are charged

Payment is taken in full at the time you place your order. Your order is not confirmed and will not be dispatched until payment has been received and authorised in full.

Placing an order is an offer to buy. A contract between us is formed only when we send you a dispatch confirmation email. Our order confirmation email acknowledges receipt of your order; it does not form a contract.

Taxes

• United Kingdom: all prices include UK VAT at the applicable rate.
• European Union: all prices include VAT at the rate of your delivery country. VAT is settled by us at import, so nothing is payable on delivery.
• All other countries: prices are shown excluding any local sales tax, import duty or customs charge. Where these apply they are set by your local authority, are payable by the recipient, and are outside our control.

Payment security

Payments are processed by our payment providers over an encrypted connection. We never see, handle or store your full card details. Card data is handled by PCI-DSS compliant providers.

Verification and declined payments

Some payments require additional verification by your bank (Strong Customer Authentication). If your payment is declined, please check the details entered and contact your bank — we do not receive the reason for a declined payment.

We reserve the right to refuse or cancel any order before dispatch, and to refund it in full, where:

• payment cannot be verified or is suspected to be unauthorised;
• the delivery or billing details appear incorrect or incomplete;
• an item was listed at a manifestly incorrect price due to a technical or human error;
• the item is no longer available; or
• we are unable to ship to the destination.

Where we cancel an order, our sole liability is to refund the amount paid.

Pricing errors

Prices are checked regularly, but errors can occur. If an item's correct price is higher than the price shown, we will contact you before dispatch to ask whether you wish to proceed at the correct price or cancel for a full refund. We are not obliged to supply an item at an incorrect price.

Promotional codes

• One discount code per order unless stated otherwise.
• Codes cannot be applied retroactively to an order already placed.
• Codes have no cash value and cannot be exchanged for cash or store credit.
• We reserve the right to withdraw or cancel a code at any time, and to cancel orders where a code has been obtained or used improperly.

Refunds

Where a refund is due, we refund to the original payment method used for the order. We cannot refund to a different card or account.

Refunds are issued within 14 days of the day we are notified of your decision to cancel. Where goods are being returned, we may withhold the refund until we have received the goods back, or until you have supplied evidence that you have sent them back, whichever is earlier.

Once we issue a refund, the time it takes to appear on your statement is determined by your bank or card issuer and is typically a further 3–10 business days.

Delivery costs on cancellation. Where you cancel an order under your statutory right of withdrawal, we refund the standard delivery cost you paid. If you chose a delivery option more expensive than our cheapest standard option, the difference is not refundable.

Return shipping. You are responsible for the direct cost of returning goods to us, except where the goods are faulty, damaged or not as described, in which case we cover the cost.

Condition of returned goods. You may handle the goods as you would in a shop in order to establish their nature, characteristics and functioning. If you handle them beyond that, we are entitled to reduce your refund to reflect the resulting loss in value.

Partial returns. Where only part of an order is returned, delivery costs are refunded in proportion to the items returned.

Klarna and buy-now-pay-later

Where you pay using Klarna or a similar provider, your payment agreement is with that provider and is subject to their terms, including any late fees or interest. Refunds are processed by us to that provider, who then applies them to your account.

Payment disputes

If something is wrong with your order, please contact us first — we resolve almost every issue within 24 hours, and it is faster than a bank dispute. Raising a chargeback does not remove your obligation to return goods you have received, and we may provide our records to your bank in response to a dispute.

Contact

[Registered business name] trading as Havelle & Co KVK [97998362] · VAT [NL...] [Business address] Email: [email] — we reply within 24 hours, Monday to Friday.

This policy does not affect your statutory rights as a consumer.