Payment Policy

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1. Overview

Thank you for choosing KimHungJewelry! This payment policy outlines the terms and conditions for payment methods, billing processes, and financial transactions at our online store. By purchasing through our services, you acknowledge that you have read, understood, and agree to abide by this payment policy.

We are committed to providing all our customers with a safe, transparent, and convenient payment experience.

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2. Accepted Payment Methods

We accept the following payment methods:

• Credit/Debit Cards: Visa, Mastercard, American Express, Discover

• E-Wallets: PayPal, Shop Pay, Apple Pay, Google Pay

All transactions are securely processed via SSL encryption.

Payment requires authorization from your card issuer.

All prices are displayed in USD.

After purchase, we will send you a confirmation email containing your order number.

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3. Payment Processing

Order Confirmation:

Upon successful completion of your purchase, you will receive an order confirmation email containing your order details, breakdown of charges, and a unique order number. This email serves as your receipt and proof of transaction.

Payment Authorization:

All payments require authorization from the issuing financial institution or payment processor. We reserve the right to cancel or refuse any order if payment authorization fails or is refused.

Currency:

Unless otherwise stated, all prices on our website are displayed in US Dollars (USD). If you are purchasing goods from a country using a different currency, your bank or payment service provider may charge exchange rate fees and additional conversion fees.

Security:

We use industry-standard encryption and security measures (SSL/TLS) to protect your payment information during transmission. Your bank card information is never stored on our servers. All transactions are processed through PCI-compliant payment processors.

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4. Pricing and Taxes

Product Pricing:

All product prices listed on our website are final prices at the time of purchase. Prices are subject to change without notice. Price changes will not affect confirmed and processed orders.For orders within the United States, we will calculate and collect the applicable sales tax based on the shipping address.

Shipping Fees:

Free Shipping

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5. Billing Information

Information Accuracy:

You are responsible for ensuring that all billing information provided at checkout is accurate, up-to-date, and complete, including your name, billing address, email address, and payment details.

Address Verification:

For your security, we may verify the billing address you provide with your card issuer. Orders with incorrect or unverifiable billing addresses may be delayed or cancelled.

Billing Discrepancies:

If you find any discrepancies in your billing, please contact us immediately at info@kimhungjewelry.com or by calling +19163936967. We will investigate and resolve any billing errors immediately.

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6. Payment Failures and Issues

Transaction Failure:

If your payment fails or is refused, please:

• Verify that your bank card information is correct and up-to-date.

• Check with your bank or card issuer for any restrictions.

• Ensure you have sufficient available funds in your account.

• Try other payment methods.

• If the problem persists, please contact us.

Pending Payments:

In some cases, your bill may show a payment in a "Pending" status. This usually resolves within 24-48 hours. If pending payments are unsuccessful, please contact your financial institution.

Order Cancellation:

If an order is cancelled due to payment issues, any authorized payment freezes will be lifted according to your card issuer's policy. Refund processing times may vary.

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7. Refunds and Compensation

Refund Eligibility:

Refunds will be processed according to our return and refund policy. Please refer to the relevant policy for details on eligibility, timelines, and procedures.

Refund Time:

Once your refund request is approved, the funds will be returned to your original payment account within 10 business days. The exact arrival time depends on your bank or card issuer. It may take additional time for the funds to appear in your account.

Partial Refund:

If your order is only partially returned, we will only refund the value of the returned goods plus applicable taxes. Shipping costs are non-refundable unless the return was due to our error.

Non-Refundable Items:

Please refer to the refund policy for details.

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8. Payment SecurityFraud Prevention

Fraud Protection:

We take fraud prevention very seriously. All transactions are monitored to detect suspicious activity. We reserve the right to cancel or flag any suspected fraudulent orders and may request additional verification information from you before processing the order.

Suspicious Activity:

If we detect unusual or potentially fraudulent transactions, we may:

• Temporarily freeze the order for verification

• Request additional documents from you (e.g., identification, proof of address)

• Contact you directly to confirm order details

Unauthorized Transactions:

If you believe there has been an unauthorized transaction on your account, please contact us immediately. We will work with you and your financial institution to resolve this issue.

PCI Compliance:

We are committed to complying with PCI DSS (Payment Card Industry Data Security Standard) to ensure the secure processing of payment information.

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9. Policy Updates and Modifications

We reserve the right to update, modify, or replace any part of this Payment Policy at any time without notice. Changes will take effect immediately upon posting on our website.

The “Last Updated” date at the top of this policy indicates the date of the most recent revision. Your continued use of our services after the policy changes signifies your acceptance of the updated payment policy.

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