Payment Terms

Effective Date: November 27, 2025

1. Accepted Payment Methods

1.1 Debit & Credit Cards

• Accepted: Visa, Mastercard, American Express, Discover
• All card payments are processed through secure, industry‑standard payment gateways.
• Required information: cardholder name, card number, expiration date, CVV.

1.2 PayPal

• Available as an alternative payment method.
• Pay via PayPal balance, linked bank account, or card.
• Processed according to PayPal’s terms and services.

2. Payment Processing

2.1 Order Processing

• Payment must be completed before an order is confirmed.
• A confirmation email is sent after successful payment.
• Standard processing time: 1–3 business days.
• Tracking information is sent once the order has shipped.

2.2 Payment Gateway Security

• SSL encryption protects all transmitted payment information.
• Novaori does not store full credit card details.
• All processors are PCI DSS compliant.

3. Currency

3.1 Transaction Currency

• All transactions are processed in USD.
• Your bank/payment provider may apply conversion fees.
• Final order total is shown in USD before checkout.

4. Billing Information Accuracy

4.1 Customer Responsibility

• Customers must provide accurate billing information.
• Incorrect or mismatched details may delay or cancel orders.
• Billing address must match the records of the financial institution.

4.2 Billing Address Verification

• AVS (Address Verification System) may be used.
• Orders may be held or cancelled if verification fails.
• Customers will be notified of any issues requiring correction.

5. Order Confirmation

5.1 Confirmation Process

• Confirmation email includes full order details and delivery estimates.
• Customers should retain this email for reference.

5.2 Order Status

• Order status can be checked via your Novaori account.
• Real‑time tracking is provided when available.
• Customer support can assist with order inquiries.

6. Declined Payments

6.1 Payment Failure Reasons

Common reasons include:

• Insufficient funds
• Incorrect card details
• Expired card
• Duplicate attempts
• Fraud‑prevention blocks
• Bank authorization failures

6.2 Customer Notification

• A failed payment triggers an on‑screen error message.
• Customers may update payment details and retry.

6.3 Retry Policy

• Immediate retry is allowed.
• Contact your bank if failures persist.
• Support is available for troubleshooting.

7. Taxes & Fees

7.1 Sales Tax

• Calculated based on the delivery address.
• Compliant with U.S. state and local tax regulations.
• Tax‑exempt customers must provide proper documentation.

7.2 Additional Fees

• Shipping fees are shown before checkout.
• Domestic flat rate (US): $6.25.
• No hidden fees beyond taxes, shipping, and product cost unless disclosed.

7.3 International Orders

• International shipping flat rate: $13.95.

8. Fraud Prevention

8.1 Security Measures

• Advanced fraud detection systems monitor all orders.
• Orders may be flagged for review when activity appears suspicious.

8.2 Verification Procedures

• Customers may be asked to verify their identity.
• High‑value orders may require additional review.
• Additional documentation may be requested.

8.3 Customer Protection

• Personal data is processed according to our Privacy Policy.
• Payment information is safeguarded at all times.

9. Refunds & Cancellations

9.1 Order Cancellations

• Cancellations are allowed within 24 hours of purchase.
• Requests may be submitted via your account or customer support.
• Orders already shipped cannot be cancelled.

9.2 Payment Refunds

• Refunds are issued to the original payment method.
• Processing time: 5–10 business days.
• Shipping fees are non‑refundable unless the issue is due to Novaori error.
• See our Return & Refund Policy for complete details.

9.3 Refund Status

• Refund status can be checked via your Novaori account.
• Refund confirmation email will be sent.
• Contact support if funds have not returned within 15 business days.

10. Chargebacks

10.1 Chargeback Process

• Chargebacks occur when a customer disputes a transaction.
• Should be used only for suspected fraud or unauthorized charges.
• Customers should contact Novaori before initiating a chargeback.

10.2 Chargeback Consequences

• Unauthorized chargebacks may lead to account suspension.
• Legal action may be taken for fraudulent chargebacks.
• Customers may be liable for chargeback‑related fees.
• Future orders may require additional verification.

10.3 Dispute Resolution

• Novaori will provide documentation to dispute invalid chargebacks.
• Customers are encouraged to resolve issues through support first.

11. Subscription Billing

Novaori does not offer subscription services. All payments are one‑time charges associated with individual orders.

12. Contact Information

Novaori 

• Address: 1015 Sneed Rd, Decatur, TN 37322, USA 
• Phone: +1 (239) 342‑0019 
• Email: support@novari.com 
• Website: https://novari.com 
• Customer Service: 24/7

13. Amendments & Updates

13.1 Policy Changes

• Novaori may update this Payment Policy at any time.
• Changes take effect immediately once posted.
• Continued use of the Website constitutes acceptance.
• Customers are encouraged to review the policy regularly.

14. Governing Law

14.1 Jurisdiction

• Governed by the laws of the State of Florida.
• Disputes shall be resolved in Florida courts.
• Exclusive jurisdiction applies.

15. Agreement Acceptance

15.1 Acknowledgment

• Completing a purchase signifies agreement with this Payment Policy.
• These terms constitute the full payment agreement.
• If any provision is deemed invalid, all remaining terms remain enforceable.