Payment & Billing Policy
Effective Date: August 28, 2026
Company: The Neck Life, LLC (“The Neck Life,” “we,” “us,” “our”)
Website: thenecklife.com
Contact: service@thenecklife.com
1) Accepted Payment Methods
We currently accept one-time credit and debit card payments through Clover Hosted Checkout. The card brands available for a transaction are shown on Clover’s secure checkout page.
- Payment card entry and authorization take place on Clover’s hosted payment page.
- We do not currently accept PayPal or offer subscription, auto-renewal, recurring-billing, or installment-payment plans.
- Any valid coupon or promotional code is applied before the remaining one-time card payment is sent to Clover.
We reserve the right to add, remove, or limit available payment methods at our discretion.
2) Payment Authorization
By submitting a payment method, you represent and warrant that:
- You are authorized to use the payment method provided.
- You authorize Clover to process a one-time charge for the total amount of your order, including product prices, shipping, taxes, and fees.
- You agree to provide accurate, complete, and current billing and payment information.
3) Billing Currency & Geographic Availability
- All transactions are processed in U.S. Dollars (USD).
- Checkout and shipping are currently available only for eligible United States delivery addresses. We do not accept international orders.
4) One-Time Payments; No Subscriptions
- Each completed order is a separate, one-time purchase.
- We do not currently offer subscriptions, memberships with recurring charges, automatic renewals, or recurring billing.
- Completing an order does not authorize charges for future purchases.
5) Security of Payments
Clover hosts the payment-entry page and processes card transactions. Clover’s terms and privacy notices apply when you use its hosted checkout.
- Full payment-card numbers are entered on Clover’s hosted checkout page and are not stored on our servers.
- You are responsible for keeping your account credentials secure.
6) Order Verification & Fraud Prevention
To protect against fraud:
- We may require additional verification (e.g., ID, billing address match, CVV confirmation) before processing your order.
- Orders flagged as suspicious or high-risk may be delayed, canceled, or refunded at our discretion.
- We are not responsible for losses caused by unauthorized use of your payment method, but we may assist you in reporting fraud to your bank or processor.
7) Declined or Failed Payments
If your payment is declined or fails to process:
- The order may not be completed.
- You remain responsible for providing an alternative payment method.
- We may suspend or cancel pending orders until payment is confirmed.
8) Chargebacks & Payment Disputes
- Filing a chargeback with your bank or payment provider does not automatically entitle you to a refund.
- If you dispute a charge, please contact us first at service@thenecklife.com so we can attempt resolution.
- We reserve the right to contest chargebacks and provide evidence of valid transactions.
- Customers who abuse chargebacks may have accounts suspended or banned.
9) Taxes & Fees
- Product prices do not include applicable U.S. sales or use tax, shipping, or handling fees unless explicitly stated.
- Applicable charges are disclosed before you authorize the one-time payment.
10) Refunds
Refunds, if applicable, will be issued to the original payment method used. Please review our Return & Refund Policy for details.
11) Errors & Corrections
In the event of pricing, listing, or billing errors:
- We reserve the right to cancel orders, correct mistakes, or adjust charges.
- If your payment has already been processed, we may issue a refund or request additional authorization for corrected charges.
12) Changes to This Policy
We may update this Payment & Billing Policy at any time. Updates will be posted with a new Effective Date.
13) Contact Us
For questions about billing or payments, please contact:
📧 service@thenecklife.com