Payment Policy

Effective Date: March 14, 2025

At Innovali, we value your business and aim to provide a smooth, secure, and convenient shopping experience. This Payment Policy explains the accepted payment methods, transaction processing, security, and billing details for orders placed on our website. By using our website, you agree to the terms outlined in this policy.

1. Accepted Payment Methods

We accept a variety of payment methods to accommodate our customers. The available payment methods include:

  • Credit and Debit Cards: We accept Visa, MasterCard, American Express, Discover, and other major credit and debit cards.
  • PayPal: Pay for your order securely through PayPal, one of the most trusted payment gateways.
  • Apple Pay: Conveniently pay using your Apple account, available for Apple users.
  • Google Pay: Pay with Google Pay for a fast and secure transaction experience.

All payment methods are processed securely using SSL (Secure Sockets Layer) encryption to protect your personal and financial information.

2. Payment Security

We take the security of your payment information seriously. All transactions on Innovali are encrypted using industry-standard SSL technology to ensure that your payment details are securely processed. We work with trusted payment gateways, such as PayPal and Stripe, to ensure that your payment information is handled securely and never stored on our servers.

We do not store your credit card information after the transaction is completed. All payments are processed through our payment gateway partners who are fully compliant with the Payment Card Industry Data Security Standard (PCI DSS).

3. Order Confirmation and Charges

When you place an order with Innovali, you will receive an order confirmation email that includes the details of your purchase, including the items ordered, their prices, applicable taxes, and shipping costs. The total amount charged to your payment method will reflect all these details.

Your credit or debit card will be charged once your order has been successfully processed. If the transaction is successful, you will receive an email confirmation with tracking information (if applicable). If there is an issue processing your payment, we will notify you via email and request an alternative payment method.

4. Payment Authorization

By placing an order with Innovali, you authorize us to charge your selected payment method for the full amount of the order, including applicable taxes, shipping fees, and any other charges related to the order.

Please note that all prices listed on our website are in USD (United States Dollars) and are subject to change. However, you will be charged the price listed on the website at the time your order is confirmed.

5. Billing Information

When placing an order, you must provide accurate and complete billing information, including your name, billing address, phone number, and payment method details. Innovali reserves the right to refuse or cancel any order if the billing information provided is incorrect or if payment cannot be processed.

If there is an issue with your payment, such as insufficient funds, expired payment details, or a transaction dispute, we may contact you to resolve the issue. We may also temporarily suspend or cancel your order until payment is successfully completed.

6. Currency and Taxes

All transactions on Innovali are billed in USD (United States Dollars). If you are located outside of the United States, please note that currency conversion fees may apply depending on your payment method. Innovali is not responsible for any conversion fees or charges that may be applied by your bank or payment provider.

Sales tax will be calculated based on the billing address provided at checkout. The applicable sales tax rate will be automatically added to your order total during the checkout process.

7. Failed or Declined Payments

If your payment is declined, you will be notified immediately. The order will not be processed until payment is successfully authorized. In case of a declined payment, we may request that you provide alternative payment information or resolve any issues with your payment provider.

We encourage you to check your billing details and available funds before placing an order to avoid payment issues.

8. Payment for Subscription Services (if applicable)

If you subscribe to any recurring services or membership plans with Innovali, your payment will be automatically charged based on the subscription frequency (e.g., monthly, annually). You will be notified in advance if there is any change in the subscription price or billing cycle.

You may cancel your subscription at any time before the next payment is due by contacting our customer service team or managing your subscription settings in your account.

9. Refunds and Chargebacks

If you request a refund, we will process the refund back to the original payment method used. Refunds will be processed in accordance with our Refund and Return Policy.

If you initiate a chargeback through your bank or credit card issuer, Innovali reserves the right to cancel any future orders and suspend your account until the dispute is resolved.

10. Discounts and Promotions

From time to time, Innovali may offer discounts, promotional codes, or special deals. These offers are subject to specific terms and conditions. If you apply a discount or promotional code, the final price of your order will reflect the discount applied.

Discounts cannot be combined unless specifically stated in the terms of the promotion. Only one promotional offer can be applied per order.

11. Changes to the Payment Policy

Innovali reserves the right to update or modify this Payment Policy at any time. Any changes to this policy will be reflected on this page with an updated “Effective Date.” We recommend that you periodically review this policy to stay informed of any changes.

By continuing to use our website or make purchases, you agree to be bound by any modifications to this Payment Policy.

12. Contact Information

If you have any questions or concerns regarding this Payment Policy, please feel free to contact us:

Thank you for choosing Innovali! We appreciate your trust and look forward to serving you with the highest quality jewelry and excellent customer service.