Payment Policy
Effective Date: February 7, 2025

Welcome to ExquisiteGemm! By making a purchase on our website, you agree to comply with the terms outlined in this Payment Policy. This policy explains the methods of payment we accept, as well as the procedures related to payment transactions on our website. Please read it carefully before proceeding with your order.

1. Accepted Payment Methods

At ExquisiteGemm, we strive to provide our customers with a seamless and secure shopping experience. We accept a wide range of payment methods to ensure your convenience. The accepted payment methods include:

  • Credit and Debit Cards:
    We accept all major credit cards, including Visa, MasterCard, American Express, and Discover. You can securely enter your card information at checkout, and payments will be processed by trusted payment gateways.

  • PayPal:
    PayPal is another secure payment method we accept. You can log into your PayPal account to complete your transaction without sharing your card details on our site.

  • Other Digital Payment Methods:
    We also accept additional digital payment options such as Apple Pay and Google Pay where applicable. These options will appear at checkout if they are available in your region.

  • Gift Cards:
    If you have a ExquisiteGemm gift card or other prepaid gift cards, you may use them as a form of payment at checkout. The balance of the card will be applied to your total order amount.

  • Buy Now, Pay Later:
    We offer financing options through third-party services like Klarna and Afterpay. These services allow you to split your payments over time, subject to approval and available to eligible customers.

2. Payment Authorization and Charges

Once you place an order with ExquisiteGemm, we will verify your payment details and process your payment immediately. In case your payment method is declined, we will notify you, and you will need to provide an alternate payment method to complete your order.

  • Authorization:
    When you submit your payment details, we authorize the payment with your payment provider to ensure funds are available. This process may involve an authorization hold on your account for the amount of your purchase, though this is not an actual charge until the order is shipped.

  • Final Charge:
    The total amount will be charged once your order is confirmed, and the products are ready to ship. Any applicable taxes, shipping charges, and discounts will be included in the final price.

3. Currency

All transactions made on ExquisiteGemm are processed in U.S. Dollars (USD). If you are purchasing from outside the United States, your payment provider will convert the total cost to your local currency based on the current exchange rates. Please note that you may incur additional fees for international transactions or currency conversion, depending on your payment provider.

4. Billing Information

You are required to provide accurate billing information when making a purchase. This includes your full name, billing address, and payment method details. Any discrepancies or errors in billing information may delay the processing of your order.

  • Address Verification:
    We use Address Verification Systems (AVS) to verify the billing address provided with your payment method. If there is a mismatch between the information you provided and the data on file with your card issuer, we may request additional information to complete the payment.

5. Payment Security

At ExquisiteGemm, we take your security seriously. We use SSL encryption technology to protect your payment information during transmission. Our website employs secure payment gateways to process transactions safely and ensure your credit card and personal details are kept private.

  • PCI Compliance:
    All payment transactions on our website comply with the Payment Card Industry Data Security Standard (PCI DSS). We follow strict security protocols to protect your sensitive payment data.

  • Fraud Prevention:
    We have measures in place to detect and prevent fraudulent transactions. If any suspicious activity is detected on your order, we may request additional verification or cancel the transaction.

6. Taxes and Fees

In addition to the price of the product, the final amount charged may include applicable sales tax, depending on your location. Sales tax rates are determined based on the destination address provided at checkout and will be calculated automatically.

  • Sales Tax:
    Sales tax is charged in accordance with the laws in your state or country. If your state or country does not have a sales tax, you will not be charged sales tax.

  • Customs and Duties (International Orders):
    If you are ordering from outside the United States, your package may be subject to customs fees, import duties, or taxes imposed by your local government. These fees are the responsibility of the customer. Please contact your local customs office for information on any applicable charges.

7. Refunds and Adjustments

In the event that we issue a refund or an adjustment to your payment, the funds will be returned to the original payment method used for the purchase. The time it takes for the refund to appear in your account may vary depending on your payment provider.

  • Refunds:
    Refunds will be processed in accordance with our Refund and Return Policy. Once your return is received and processed, we will issue a refund for the product price, excluding shipping fees and any other non-refundable charges.

  • Partial Refunds:
    In some cases, if you return only part of your order, you may receive a partial refund. Any applicable restocking fees or deductions will be subtracted from the total refund amount.

8. Order Cancellations

If you wish to cancel your order, please contact us immediately at info@exquisitegemm.com. If your order has already been processed or shipped, it may not be eligible for cancellation. Please refer to our Refund and Return Policy for more information on returns after cancellation.

  • Order Modifications:
    Once an order has been placed and confirmed, it cannot be modified. If you need to change your order details, you may need to cancel the original order and place a new one.

9. Payment Disputes

If you dispute a charge or believe there has been an error in the payment process, please contact our customer service team at info@exquisitegemm.com. We will investigate the issue and work to resolve it in a timely manner. If you file a chargeback with your bank or payment provider, it may delay the resolution of your case and could result in additional fees.

10. Contact Information

If you have any questions or concerns regarding our payment policies, please feel free to reach out to our customer service team. We are happy to assist you.

ExquisiteGemm
Email: info@exquisitegemm.com
Phone: 586-649-4822
Address: 3125 Ritter Avenue, Milwaukee, Mississippi, Wisconsin, United States

Thank you for shopping with ExquisiteGemm! We are committed to offering a secure, hassle-free shopping experience and providing you with the best quality products. Your satisfaction is our priority.