1) Accepted Payment Methods
We currently accept the following forms of payment:
- Major credit and debit cards (Visa, Mastercard, American Express, Discover).
- Digital wallets (e.g., Apple Pay, Google Pay, if available).
- PayPal or other third-party processors (when offered at checkout).
- Gift cards or promotional credits issued by The Neck Life, LLC (if applicable).
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 us (and our third-party payment processors) to charge your payment method 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 & International Orders
- All transactions are processed in U.S. Dollars (USD) unless otherwise stated.
- For international orders, currency conversion fees, foreign transaction fees, customs duties, or taxes may be charged by your bank, card issuer, or local authorities. These charges are your responsibility.
4) Recurring Payments & Subscriptions
If you purchase a subscription, membership, or other recurring service:
- You authorize us to charge your payment method automatically on a recurring basis until you cancel.
- Renewal frequency and amount will be disclosed at checkout.
- You may cancel recurring billing at any time by contacting us at admin@thenecklife.com before the next billing date.
- Partial or prorated refunds for unused subscription periods may not be available unless required by law.
5) Security of Payments
We use third-party payment processors that comply with PCI-DSS security standards to safeguard your payment information.
- We do not store full credit card details 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 admin@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 sales tax, VAT, customs duties, or handling fees unless explicitly stated.
- You are responsible for all such taxes and fees as required by your jurisdiction.
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:
📧 admin@thenecklife.com
