Payment Policy for Scrunchie Girls Inc.

Effective Date: March 22, 2025

Welcome to Scrunchie Girls Inc.! This Payment Policy outlines the terms and conditions related to payments for purchases made through our website, www.scrunchiegirls.com. By making a purchase on our Site, you agree to the terms outlined below.

ACCEPTED PAYMENT METHODS We accept the following payment methods:

  1. Credit and Debit Cards:
    • Visa
    • MasterCard
    • American Express
    • Discover
  2. Online Payment Platforms:
    • PayPal
    • STRIPE
    • PAYU (if available)
  3. Other Payment Methods:
    • Apple Pay (if available)
    • Google Pay (if available)
  4. E-Transfer (Canada Only):
    • Canadian customers can pay via e-transfer. Payments must be sent to kwilczynska@hotmail.com, and the order will only be processed after the e-transfer is successfully received.
  5. BLIK (Poland Only):
    • Polish customers can pay using BLIK. Please contact us directly for instructions.
  6. Bank Transfers:
    • We accept bank transfers for all orders. Upon choosing this payment method, you will receive detailed bank transfer instructions, including account details and reference requirements.
    • Your order will only be processed after the payment has been successfully received and verified.

PAYMENT PROCESS

  1. Secure Payment Gateway:
    • All transactions (excluding e-transfer, BLIK, and bank transfers) are processed through a secure payment gateway with SSL encryption to ensure your personal and payment information is protected.
  2. Payment Authorization and Verification:
    • Payments are subject to authorization and verification checks to ensure security and prevent fraud. This process may take some time, and your financial institution may place a hold on the funds.
  3. Order Confirmation:
    • Once your payment is successfully processed, you will receive an order confirmation email with the details of your purchase.
  4. Payment Declines:
    • If your payment is declined, ensure that your billing information matches the details associated with your payment method. Contact your financial institution for further assistance if the issue persists.

NO REFUNDS

  1. All Sales Are Final:
    • Due to the handmade and personalized nature of our products, all sales are final and non-refundable.
    • No returns, exchanges, or refunds will be issued under any circumstances.

CUSTOMER RESPONSIBILITY

  1. Accurate Billing Information:
    • It is the customer’s responsibility to provide accurate and complete billing information. Scrunchie Girls Inc. is not liable for errors resulting from incorrect or outdated information provided by the customer.
  2. Timely Payment:
    • Payments must be completed promptly to avoid order delays or cancellations. Failure to complete payment within the specified timeframe may result in the automatic cancellation of your order.

LIMITATION OF LIABILITY

  1. Indirect Damages:
    • Scrunchie Girls Inc. shall not be liable for any indirect, incidental, or consequential damages, including but not limited to loss of profits, data, or business opportunities, arising from the use or inability to use the Site or its content.

FORCE MAJEURE

  1. Unforeseen Events:
    • Scrunchie Girls Inc. is not responsible for delays or failures to perform any obligations under this policy due to events beyond our control, including but not limited to natural disasters, strikes, pandemics, or system failures.

GOVERNING LAW AND JURISDICTION

  1. Applicable Law:
    • This Payment Policy is governed by the laws of Ontario, Canada.
  2. Jurisdiction:
    • Any disputes arising from this policy shall be resolved exclusively in the courts of Ontario, Canada.

INTELLECTUAL PROPERTY NOTICE

  1. Protected Content:
    • All content on the Site, including text, images, logos, and product designs, is the intellectual property of Scrunchie Girls Inc. Unauthorized reproduction or distribution is strictly prohibited.

DATA PRIVACY ASSURANCE

  1. Personal Data Handling:
    • We handle your personal data in accordance with our Privacy Policy. Your information will not be shared with unauthorized third parties and is protected by industry-standard encryption.

PAYMENT DISCREPANCIES

  1. Handling Discrepancies:
    • If there is a discrepancy between the amount billed and the amount paid, please contact us immediately. We will investigate the issue and resolve it promptly.

DISPUTE RESOLUTION

  1. Contact Us First:
    • If you encounter any issues with your payment or transaction, please contact us immediately at info@scrunchiegirls.com. We are committed to resolving disputes amicably and efficiently.
  2. Chargeback Prevention:
    • We strongly encourage customers to reach out to us before initiating a chargeback. Unauthorized chargebacks may result in legal action to recover funds and associated costs.

CHANGES TO THIS POLICY Scrunchie Girls Inc. reserves the right to update this Payment Policy at any time. Changes will be posted on this page, and the “Effective Date” will be updated accordingly. Continued use of the Site constitutes acceptance of the revised policy.

CONTACT INFORMATION If you have questions or concerns regarding this Payment Policy, please contact us at: Email: info@scrunchiegirls.com Address: Ontario, Canada

Thank you for choosing Scrunchie Girls Inc.!

We appreciate your business and strive to provide a seamless and secure shopping experience.