Payment & Refund Policy

 

1. Payment Information

We aim to provide a secure and flexible payment experience for all our customers across Europe.

Accepted Payment Methods:
We accept a variety of payment methods to ensure convenience and security:

  • Credit/Debit Cards: We accept major cards, including Visa, MasterCard, and American Express.

  • PayPal: Secure online payments through your PayPal account.

  • SEPA Direct Debit: For customers within the SEPA region, allowing hassle-free direct debit transactions.

  • Bank Transfers: Direct payments can be made to our European bank accounts. Bank details will be provided at checkout.

  • Klarna: Buy Now, Pay Later options available in select European countries.

  • Apple Pay & Google Pay: Quick and secure mobile payments.

Currency and Conversion:
All transactions are processed in Euros (EUR). If you are paying with a different currency, your bank may charge currency conversion fees. We recommend checking with your payment provider for exact conversion rates.

Payment Security:
Your security is our priority. All transactions are protected with SSL encryption to safeguard your personal and financial data. We do not store any credit card information on our servers.

Payment Terms:

  • Full Payment Required: All orders must be paid in full at the time of purchase.

  • Verification Process: For security purposes, we may request additional verification for certain transactions.

  • Order Confirmation: After successful payment, you will receive an email confirmation with your order details.

2. Refund & Cancellation Policy

We strive to ensure your complete satisfaction with every purchase. However, if you are not satisfied, our refund and cancellation policy is outlined below.

Order Cancellations:

  • Before Shipment: You may cancel your order any time before it is shipped for a full refund.

  • After Shipment: If the order has already been shipped, you will need to follow our return process.

Refund Process:

  • Refunds are processed to the original payment method within 5-7 business days of the cancellation or return confirmation.

  • Depending on your payment provider, it may take additional time for the refunded amount to appear in your account.

Return Eligibility:

  • Items must be returned in their original condition, unused, and in the original packaging.

  • Non-Refundable Items: Certain items such as digital products, downloadable software, and personalized goods are non-refundable.

  • Return Shipping Costs: The customer is responsible for return shipping costs unless the item received was incorrect or defective.

Refund for Damaged or Incorrect Items:
If you receive a damaged or incorrect item, please contact us immediately at [Insert Contact Email]. We will arrange for a replacement or issue a full refund, including shipping costs.

3. Taxes & VAT

VAT Inclusion:
All prices displayed on our website include Value Added Tax (VAT) where applicable.

VAT Registration Details:

  • UK VAT Number: GB422085426

  • ES VAT Number: N0273265I

VAT for EU Business Customers:
If you are a business customer within the EU and have a valid VAT number, you may request a VAT-exempt invoice by providing your VAT number during checkout.

Customs Duties and Import Taxes:
For deliveries outside the EU, additional customs duties and import taxes may apply. These charges are the responsibility of the customer.

4. Failed or Declined Payments

If your payment is declined, please:

  • Verify Your Payment Details: Ensure that all entered information is correct.

  • Contact Your Bank: There may be restrictions or holds on your account.

  • Try Another Payment Method: Use a different card or payment option.

If issues persist, please contact our support team at contact@paloma-tech.com.

5. Dispute Resolution

In the event of a payment dispute, please contact us immediately to resolve the issue amicably. If a resolution cannot be reached, the dispute will be handled in accordance with UK consumer protection laws.