Payment Policy

Effective Date: March 26, 2026

At HOWELLS MODE LTD (“we”, “our”, “us”), we are committed to providing a secure and transparent payment experience for customers shopping at howellsmode.com (the “Website”). This Payment Policy explains the payment methods we accept, how payments are processed, and other important payment-related information.

By placing an order on our Website, you agree to the terms set out in this Payment Policy.

1. Accepted Payment Methods

We currently accept the payment methods displayed at checkout, which may include:

• Credit cards
• Debit cards
• Other secure online payment methods made available on the Website from time to time

All available payment options will be shown during the checkout process.

2. Payment Authorization

All payments are subject to authorization, verification, and fraud screening.

When you place an order, your payment may be:

• Authorized by your card issuer or payment provider
• Reviewed for security and fraud prevention purposes
• Delayed or declined if additional verification is required

We reserve the right to refuse, cancel, or hold any order if a payment cannot be verified or is suspected to be fraudulent, unauthorized, or in violation of applicable laws or our internal risk controls.

3. Payment Processing

Payments made on our Website may be processed by trusted third-party payment service providers.

Please note:

• We do not store or directly process full payment card details on our own servers
• Payment information is handled securely by the relevant payment processor
• Payment processing may be subject to the terms, privacy practices, and security procedures of the relevant third-party provider

4. Currency

Prices and payments will be charged in the currency displayed at checkout, unless otherwise stated.

If your card or payment method uses a different billing currency:

• Your bank or payment provider may apply exchange rates
• Additional foreign transaction or conversion fees may apply
• These fees are determined by your financial institution, not by us

5. Order Confirmation

Once your payment has been successfully submitted, you may receive an order confirmation email.

Please note:

• An order confirmation email confirms that your order request has been received
• It does not necessarily mean that your order has been fully accepted or shipped
• We reserve the right to cancel or refuse orders after payment if issues arise, including product unavailability, pricing errors, or suspected fraud

If an order is cancelled after payment has been made, any approved refund will be processed to the original payment method.

6. Failed or Declined Payments

A payment may fail or be declined for various reasons, including but not limited to:

• Insufficient funds
• Incorrect card details
• Expired card
• Bank authorization failure
• Fraud prevention or security checks
• Payment provider restrictions
• Technical issues during checkout

If your payment is declined, please:

• Verify your payment details
• Contact your bank or payment provider
• Try an alternative payment method if available
• Contact us if you need further assistance

7. Billing Information

Customers are responsible for providing accurate and complete billing information at checkout.

Incorrect or incomplete billing details may result in:

• Payment authorization failure
• Order delays
• Order cancellation
• Additional verification requests

We reserve the right to request additional information where necessary to confirm payment legitimacy.

8. Fraud Prevention and Security Checks

To protect our customers and our business, we may perform security and fraud prevention checks on orders.

These checks may include:

• Verification of billing and shipping information
• Review of transaction risk indicators
• Temporary holds while additional verification is completed
• Requests for additional confirmation in certain cases

If we are unable to verify an order, we may cancel it and issue a refund where applicable.

9. Refunds

Approved refunds will be issued to the original payment method used for the purchase.

Please note:

• Refunds are subject to our Returns & Exchanges Policy
• Refunds may also be issued in cases of order cancellation, failed fulfillment, or verified payment issues
• Once approved, refunds are typically processed within 5–10 business days
• The exact time for funds to appear may vary depending on your bank, card issuer, or payment provider

Original shipping charges may be non-refundable unless the refund is due to our error.

10. Chargebacks and Payment Disputes

If you believe there is an issue with your order or payment, we strongly encourage you to contact us first before initiating a chargeback or payment dispute.

By contacting us directly, we may be able to resolve issues such as:

• Order status questions
• Delivery delays
• Refund requests
• Duplicate charges
• Incorrect or damaged items

Unauthorized or abusive chargebacks may be reviewed and challenged with supporting order, delivery, and communication records where applicable.

11. Pricing Errors

While we strive to ensure accurate pricing and payment information on the Website, errors may occasionally occur.

We reserve the right to:

• Correct any pricing, product, or checkout errors
• Cancel orders placed at an incorrect price
• Contact customers to confirm whether they wish to proceed if a pricing issue affects their order

If payment has already been collected for an order affected by a pricing error and the order is cancelled, an appropriate refund will be issued.

12. Taxes and Duties

Depending on your location, your order may be subject to:

• Sales tax, VAT, or similar charges (if applicable)
• Customs duties or import fees for international shipments

Any applicable charges shown at checkout will be displayed where possible.

For international orders, customs duties, import taxes, and related fees may be charged by local authorities and are generally the responsibility of the customer unless otherwise stated.

13. Changes to This Payment Policy

We reserve the right to update or modify this Payment Policy at any time to reflect changes in our business operations, payment methods, legal obligations, or security practices.

Any updates will be posted on this page with a revised Effective Date. Your continued use of the Website after such changes are posted constitutes acceptance of the updated Payment Policy.

14. Contact Us

If you have any questions about this Payment Policy or experience any payment-related issues, please contact us:

HOWELLS MODE LTD
Website: howellsmode.com
Email: payment@howellsmode.com
Phone: +44 7380 946989
Business Address: 184 Shelly Walk, United Kingdom, CF37 5EU