Payment Policy
This Payment Policy explains how payments are handled when you shop at [snugz.store] (the "Site"), operated by Snugz ("Snugz", "we", "us", "our"). It should be read together with our Terms of Service. By placing an order, you agree to this policy.
1. Currency
All prices on the Site are listed and charged in [Australian Dollars (AUD)] unless stated otherwise. If you pay using a card issued in another currency, your bank or card provider may apply its own conversion rate and fees, which are outside our control.
2. Prices and GST
Unless stated otherwise, prices shown include GST where applicable. Shipping costs, where they apply, are calculated and displayed at checkout before you confirm your order.
Prices and promotions may change at any time without notice. The price that applies to your order is the price shown at checkout when you complete your purchase.
3. Accepted payment methods
We accept the following payment methods:
- Major credit and debit cards ([Visa, Mastercard, American Express])
- [PayPal]
- [Apple Pay / Google Pay]
- [Buy-now-pay-later providers, e.g. Afterpay / Zip — list only those you actually offer]
Available payment options are shown at checkout. We may add or remove payment methods at any time.
4. When payment is taken
Payment is authorised and processed at the time you place your order. Your order is only confirmed once payment has been successfully received and we send you an order confirmation. If payment fails or is declined, your order will not be processed.
5. Payment processing and security
Payments are processed securely through our third-party payment providers, including [Shopify Payments / Stripe / PayPal — list your actual providers]. We do not collect or store your full card details on our servers; card information is handled directly by our payment providers under their own security standards.
While we take reasonable steps to keep your transaction secure, we are not responsible for the practices of third-party payment providers. Their handling of your information is governed by their own terms and privacy policies.
6. Authorisation
By submitting your payment details, you confirm that you are authorised to use the payment method and that the details you provide are accurate. We may carry out checks to verify your payment and protect against fraud, and we may decline or cancel an order where payment cannot be verified or fraud is suspected.
7. Order confirmation and errors
After a successful payment, you will receive an order confirmation by email. Please check it and contact us promptly if anything is incorrect.
In the rare event of an obvious pricing or product error, we are not obliged to supply the product at the incorrect price. If we identify such an error after you have ordered, we will contact you to confirm whether you wish to proceed at the correct price or cancel the order for a full refund.
8. Failed or declined payments
If a payment is declined or reversed, we may cancel or hold your order until payment is resolved. You are responsible for any fees your bank or provider charges in connection with a failed or reversed payment.
9. Refunds
Where a refund is due — including under our Returns & Refunds Policy or the Australian Consumer Law — it will be issued to the original payment method used for the order. Refund timeframes depend on your bank or payment provider and are outside our control. [Insert typical processing time, e.g. "Please allow 5–10 business days for the refund to appear."]
Nothing in this policy excludes, restricts, or modifies any right or remedy you have under the Australian Consumer Law.
10. Buy-now-pay-later
[Include only if offered.] Where you choose a buy-now-pay-later option (such as [Afterpay / Zip]), your payment arrangement is a separate agreement between you and that provider, subject to their terms and eligibility checks. We are not a party to that agreement and are not responsible for its terms or any fees it involves.
11. Changes to this policy
We may update this Payment Policy from time to time. The current version will always be posted on this page with the "Last updated" date, and changes take effect when posted.
12. Contact us
If you have any questions about payments or a specific transaction, please contact us at:
[Snugz / Legal entity name]
Email: [support@snugz.store]