Payment Policy

Effective Date: January 7, 2025

At Snugtoppin, we strive to make your shopping experience as seamless and secure as possible. This Payment Policy outlines the terms and conditions regarding payments for products purchased through our website https://snugtoppin.com.

By placing an order with us, you agree to the following payment terms. Please read them carefully.

1. Accepted Payment Methods

We accept the following payment methods for orders placed on Snugtoppin.com:

      • Credit/Debit Cards:
        • Visa
        • MasterCard
        • American Express
        • Discover
      • PayPal: A secure and convenient way to pay online using your PayPal account or linked payment methods.
      • Other Payment Methods: Additional payment methods may be available at checkout, which will be clearly displayed.

All payments must be made in U.S. Dollars (USD), unless otherwise specified.

2. Payment Processing

      • Order Confirmation: When you place an order, we will authorize your payment method for the total amount of your order, including taxes and shipping charges. However, your card will only be charged when your order is processed and shipped.

      • Secure Payment Gateway: We use industry-standard secure encryption technology to protect your personal and payment information during transactions. All payments are processed through trusted third-party payment gateways, such as PayPal and Stripe, ensuring a secure checkout process.

      • Authorization Holds: Upon placing an order, your payment provider may place an authorization hold on the amount of the order. This hold may appear temporarily on your payment account but will be released if the order is not processed or shipped.

      • Payment Authorization: In the event that your payment method cannot be authorized (due to insufficient funds, expired card details, or other issues), we will notify you to request an updated payment method. Your order will not be processed until the payment has been successfully authorized.

3. Currency and Taxes

      • Currency: All transactions are processed in U.S. Dollars (USD). If you are purchasing from outside the United States, your payment provider will handle currency conversion at the applicable exchange rate.

      • Sales Tax: Sales tax will be applied to orders based on your shipping address and the applicable state or local tax laws. The tax amount will be calculated and displayed during checkout. If tax is applicable to your order, it will be added to your total.

4. Promotional Discounts and Coupon Codes

      • Promotions and Discounts: From time to time, we may offer promotions, special sales, or coupon codes. These may be applied to your order at checkout for a discount on specific products or your total order amount.

      • Coupon Code Validity: Only one coupon or promotional code can be used per order. Coupon codes must be applied at checkout before completing the purchase. No adjustments will be made to orders after checkout.

      • Exclusions: Some items, such as custom or personalized products, or sale/clearance items, may be excluded from promotional offers and discounts. All exclusions will be clearly noted in the terms of the promotion.

5. Order Modifications and Cancellations

      • Modifications: Once an order is placed, we may not be able to modify the order. If you need to make changes (e.g., change the size, color, or quantity), please contact us as soon as possible. If your order is already processed and shipped, we will not be able to make any modifications.

      • Cancellations: If you wish to cancel your order, please contact us immediately. We can only cancel orders that have not yet been processed or shipped. Once your order has been shipped, it cannot be canceled, and you will need to follow our Refund and Returns Policy for any returns.

6. Payment Security

We take your privacy and payment security seriously. All payment information you provide is encrypted and transmitted through a secure connection to protect it from unauthorized access. Our secure payment gateways comply with industry standards such as PCI DSS (Payment Card Industry Data Security Standard).

      • Third-Party Payment Processors: We use trusted third-party payment processors such as PayPal, Stripe, and other industry-standard services to handle your transactions. These services use secure encryption to ensure your data remains protected.

7. Declined Payments

      • Payment Declines: If your payment is declined, we will notify you immediately and ask you to verify or update your payment details. We are unable to process your order until the payment is successfully authorized.

      • Payment Errors: In the event of a payment error, we will provide details about the issue, and you may need to re-enter your payment information or use an alternative payment method.

8. Billing Information

      • Accurate Information: You are responsible for providing accurate and complete billing information when placing an order. This includes your billing address, phone number, and payment details.

      • Fraud Prevention: We reserve the right to verify the billing information provided to us for fraud prevention purposes. We may request additional documentation to verify your identity or the validity of the payment method.

9. Refunds

      • Refund Process: If you are eligible for a refund (due to a return or cancellation), the amount will be refunded to the original payment method used during the purchase. Please refer to our Refund and Returns Policy for full details on how refunds are processed.

      • Processing Time: Refunds may take 5-10 business days to reflect in your account, depending on your payment provider and bank processing times.

10. Customer Support

If you have any questions or concerns about your payment or the payment process, please contact our customer service team:

Thank you for shopping at Snugtoppin! We are dedicated to providing you with a secure and enjoyable shopping experience. If you need assistance with any payment-related issues, don’t hesitate to contact us.