Payment Policy

Last Updated: 18 January 2025

At Troveloom, we strive to offer a secure and seamless shopping experience. This Payment Policy outlines the payment methods we accept, currency options, payment processing, and refund terms to ensure clarity and compliance with both UK and US regulations.

1. Accepted Payment Methods

We accept the following payment methods for all orders:

Credit/Debit Cards: Processed securely through Stripe. We accept major cards, including Visa, MasterCard, and American Express.
PayPal: A secure option for direct payments.
Alternative Payment Methods: Additional methods may be available depending on your region (e.g., Klarna, Afterpay). Check your checkout page for current options.

All payments are processed securely, and we do not store your credit or debit card information.

2. Currency and Payment Processing

Default Currency: All prices on our website are displayed in USD by default.
Currency Converter: For customer convenience, our website includes a currency converter to display approximate prices in local currencies, including GBP. Final checkout will process payments in USD unless specified otherwise.
Exchange Rates: The displayed local currency prices are based on current exchange rates and may vary slightly due to third-party processing fees.

3. Payment Security

We prioritize secure payment processing through trusted providers:

Stripe: Ensures PCI DSS compliance to safeguard your card information.
PayPal: Provides buyer protection and secure checkout.
We use SSL (Secure Sockets Layer) encryption to protect your personal and payment details.

4. Taxes and Duties

UK Customers: Prices displayed include VAT as applicable under UK law.
US Customers: Sales tax may be applied based on the shipping address in compliance with local regulations.
For international orders, additional duties or taxes may apply, which are the responsibility of the customer.

5. Refunds and Chargebacks

Refunds: Refunds are processed to the original payment method within 5-10 business days after approval. Refund policies are detailed in our Return and Refund Policy.
Chargebacks: If you dispute a charge with your bank or card provider, we recommend contacting us first to resolve the issue. Unresolved chargebacks may result in additional fees or account restrictions.

6. Payment Issues

If your payment fails or is declined:

Verify the details entered, including card number, expiry date, and CVV.
Check with your bank or card issuer to ensure there are no restrictions.
If the issue persists, contact our support team for assistance at support@troveloom.store.

7. Subscription or Recurring Payments (if applicable)

If you offer subscription-based services or recurring payments:

Recurring payments will be billed automatically on the agreed schedule.
You can cancel subscriptions anytime through your account settings or by contacting our support team.

8. Cross-Border Payments and Fees

For customers outside the US:

Your bank or card provider may apply additional charges for currency conversion or international transactions.
Troveloom is not responsible for such fees; please check with your provider for details.