PAYMENT POLICY

Effective Date: February 11, 2025

Introduction
At GOLDENAURAJEWELS, we aim to provide a secure, convenient, and seamless payment experience for all of our customers. This Payment Policy outlines the various payment methods available, billing information requirements, and procedures for transactions made through our website (goldenaurajewels.com).

1. Accepted Payment Methods

We accept the following forms of payment:

  1. Credit and Debit Cards
    • Visa
    • MasterCard
    • American Express
    • Discover
  2. PayPal
  3. Apple Pay
  4. Google Pay
  5. Gift Cards
    • We accept gift cards issued by GOLDENAURAJEWELS, which can be purchased from our website or through authorized retailers.

2. Payment Security

GOLDENAURAJEWELS takes your privacy and security seriously. We utilize the following security measures:

  • SSL Encryption: All transactions on our website are secured using Secure Socket Layer (SSL) encryption to protect your personal and payment details.
  • PCI-DSS Compliance: Our payment processors are PCI-DSS compliant, ensuring that your card information is handled securely.
  • Two-Factor Authentication: For added security, we may require two-factor authentication (2FA) for specific payment processes or accounts.

3. Order Confirmation and Processing

  1. Order Review:
    • After you place an order, you will receive an order confirmation email. This confirms the receipt of your order but does not guarantee payment processing or item availability.
  2. Payment Authorization:
    • Once your payment is successfully processed, your order will be fully confirmed. If there are any issues with payment authorization, you will be contacted to resolve the matter.
  3. Payment Errors:
    • In the event of an error processing your payment (e.g., insufficient funds, expired card), we will notify you immediately so you can correct the information or choose an alternative payment method.

4. Billing Information

  • You must provide accurate and complete billing information during the checkout process.
  • Your billing address must match the address associated with your payment method.
  • GOLDENAURAJEWELS is not responsible for delays or issues arising from incorrect or incomplete billing details.

5. Currency and Charges

  1. Currency:
    • All transactions on the website are processed in U.S. Dollars (USD).
  2. Currency Conversion:
    • If you are paying from a country with a different currency, your payment provider may apply conversion fees, which are outside of our control.
  3. Taxes:
    • Applicable taxes (such as sales tax) will be applied to your order depending on your shipping address.
    • The total tax amount will be calculated and displayed during checkout.

6. Authorization Holds

  • We may place an authorization hold on your credit card or payment method at the time of purchase. This is not a charge but a temporary freeze of the funds to confirm your payment method is valid.
  • The hold is released once your payment is successfully processed, and the funds are charged to your account.

7. Payment for International Orders

  1. Customs Duties and Taxes:
    • For international orders, customs duties, taxes, and handling fees may be assessed once the item reaches its destination country.
    • GOLDENAURAJEWELS is not responsible for these charges, and the customer is responsible for paying them directly to the appropriate authorities.
  2. Currency Exchange Fees:
    • If your payment is made in a currency other than USD, your bank or payment provider may apply currency exchange fees.

8. Refunds and Chargebacks

  1. Refund Process:
    • Refunds will be issued using the same payment method used for the original purchase.
    • Once a refund is processed, the time it takes for the funds to be returned to your account will depend on your payment provider’s policies.
  2. Chargebacks:
    • If you dispute a charge with your bank or credit card provider, it will be handled through the chargeback process.
    • We may request additional information or documentation to resolve the dispute.

9. Failed Payments

  • If a payment fails or is not authorized, we will notify you via email and may offer you the opportunity to retry payment or provide an alternative method.
  • We reserve the right to cancel orders where payment is not completed within a reasonable timeframe.

10. Promotional Discounts and Coupon Codes

  • Promotional discounts and coupon codes can be applied at checkout.
  • Discounts are subject to terms and conditions, including validity dates and product restrictions.
  • If your discount is not applied during checkout, please review the coupon code’s terms or contact customer service for assistance.

11. Customer Support

If you have questions regarding payments or need assistance, please contact our customer support team:

12. Changes to This Policy

We reserve the right to update this Payment Policy at any time. Changes will be posted on our website with the effective date.

Last Revised: December 31, 2024