Payment Policy

Effective Date: January 8, 2025

At Hubfineuni, we are dedicated to providing a secure, seamless, and flexible payment experience for all our customers. This Payment Policy explains the accepted payment methods, billing practices, refunds, and other essential details to ensure your transactions with us are smooth and worry-free.

Accepted Payment Methods

We accept a variety of payment methods to make your shopping experience convenient:

1. Credit/Debit Cards

We accept all major credit and debit cards, including:

  • Visa
  • Mastercard
  • American Express
  • Discover

2. Digital Payment Platforms

You can use trusted digital payment services for quick and secure transactions, including:

  • PayPal
  • Apple Pay
  • Google Pay

3. Buy Now, Pay Later Options

We have partnered with providers such as Afterpay and Klarna to offer flexible installment payment options, making it easier for you to budget your purchases. (Eligibility may vary by location.)

4. Gift Cards

Redeem your Hubfineuni Gift Card during checkout for a hassle-free payment experience.

5. Bank Transfers

For bulk or corporate orders, we accept direct bank transfers. Please contact us at info@hubfineuni.com for detailed instructions and account information.

Payment Security

At Hubfineuni, your security is our top priority. We employ advanced technology to protect your payment details:

  • Secure Socket Layer (SSL) Encryption: All payment information is encrypted for secure transmission.
  • PCI DSS Compliance: We adhere to the Payment Card Industry Data Security Standards, ensuring your data is processed safely.
  • Third-Party Payment Processors: We work with trusted providers like Stripe and PayPal to ensure the highest level of security and reliability.

Billing Information

Accurate billing information is crucial for processing your order without delays. Please:

  • Ensure the billing address matches the one associated with your payment method.
  • Double-check your information before completing the transaction.
  • If your billing and shipping addresses are different, ensure both are entered correctly at checkout.

Order Confirmation

After completing your payment, you will receive an email confirmation that includes:

  • Your order details and items purchased.
  • The payment method used (for reference only).
  • Estimated shipping times and tracking information (once shipped).

If you do not receive your confirmation email within 24 hours, please contact us at info@hubfineuni.com or (219) 362-2045.

Failed or Declined Payments

If your payment is unsuccessful:

  1. Verify that your card details (e.g., card number, expiration date, CVV) are correct.
  2. Ensure there are sufficient funds in your account.
  3. Contact your bank or payment provider for additional assistance.

If you continue to experience issues, our customer service team is available to help resolve the problem.

Refunds and Chargebacks

We are committed to providing a fair and transparent refund process:

1. Refunds

  • Refunds are issued to the original payment method within 5-7 business days of approval.
  • For payments made using “Buy Now, Pay Later” services, refunds will follow the provider’s refund policies.
  • Shipping fees are non-refundable unless the return is due to an error on our part.

2. Chargebacks

If you suspect unauthorized charges on your account:

  • Contact us immediately to investigate the issue.
  • Please note that chargeback resolutions may require additional time, as they are subject to your payment provider’s processes.

Sales Tax and Additional Fees

  • U.S. Orders: Applicable sales tax will be calculated based on your shipping address at checkout.
  • International Orders: Additional customs duties, taxes, or fees may apply and are the responsibility of the recipient. Contact your local customs office for more information.

Order Cancellations

We understand that plans can change. If you wish to cancel an order:

  • You may cancel your order before it is processed for shipping.
  • To request a cancellation, contact our customer service team immediately at info@hubfineuni.com or (219) 362-2045.
  • If your order is eligible for cancellation, a full refund will be issued to your original payment method.

Frequently Asked Questions (FAQs)

1. Can I pay with multiple payment methods?

At this time, we only accept one payment method per order. If you wish to split payments, please contact customer service for assistance.

2. Are my payment details stored?

For your security, we do not store your payment information. All transactions are processed securely through our trusted payment gateways.

3. What if I overpaid or was charged incorrectly?

If you believe you were charged incorrectly, please contact us immediately, and we will investigate and resolve the issue promptly.

Contact Us

If you have any questions or concerns about your payment, please feel free to reach out to us:

At Hubfineuni, we strive to provide a secure and flexible payment process that ensures your satisfaction and peace of mind. Thank you for trusting us with your purchases!