Payment Policy
Welcome to Hoomio. This Payment Policy explains how payments are accepted, processed, and managed when you purchase products from our website. By placing an order with Hoomio, you acknowledge and agree to the terms outlined below.
1. Accepted Payment Methods
Hoomio accepts payment through secure payment methods made available during the checkout process. Depending on your location, these may include:
Visa
Mastercard
American Express
Discover
Maestro
Shop Pay
Apple Pay
Google Pay
PayPal (where available)
Other payment methods supported by Shopify or our payment providers
Available payment methods may vary based on your country, device, browser, and payment provider availability.
2. Secure Payment Processing
All transactions are processed through secure, PCI-compliant payment gateways supported by Shopify.
Hoomio does not collect, store, or have direct access to your complete credit or debit card information. Payment data is encrypted using industry-standard security protocols and is handled directly by our authorized payment processors.
We reserve the right to refuse or cancel any transaction that appears fraudulent, unauthorized, or violates applicable laws or our store policies.
3. Order Confirmation
Submitting an order does not guarantee acceptance.
Your order will only be confirmed after:
Payment has been successfully authorized.
Fraud and security verification has been completed (when applicable).
Inventory availability has been confirmed.
An email confirmation will be sent once your order has been accepted.
4. Authorization Holds
Some banks or payment providers may place a temporary authorization hold on your account when an order is submitted.
These authorization holds are controlled by your financial institution and are generally released automatically if the payment is not captured.
Hoomio has no control over the length of time your bank retains authorization holds.
5. Pricing
All prices listed on Hoomio are displayed in the currency shown on our website.
Prices may change without prior notice.
Price changes do not affect orders that have already been successfully confirmed.
6. Currency Conversion
If your payment is made in a currency different from the one displayed at checkout:
Your bank or payment provider will determine the applicable exchange rate.
Additional foreign transaction fees may apply.
Hoomio is not responsible for exchange rate fluctuations or bank-imposed fees.
7. Taxes and Duties
Applicable taxes are calculated automatically during checkout based on the shipping destination and local regulations.
For international orders:
Import duties
Customs fees
VAT
GST
Brokerage charges
may be charged by your local customs authority.
Unless otherwise stated at checkout, these charges are the responsibility of the customer.
8. Payment Verification
To help protect our customers and prevent fraudulent activity, Hoomio reserves the right to:
Request additional identity verification.
Confirm billing information.
Verify shipping details.
Contact customers before processing high-value or suspicious orders.
Failure to provide requested verification may result in order cancellation.
9. Fraud Prevention
Hoomio actively monitors transactions for fraud.
Orders may be delayed, placed on hold, canceled, or refunded if:
Payment information cannot be verified.
Unauthorized card usage is suspected.
False information is provided.
The transaction violates our internal fraud prevention procedures.
We reserve the right to report suspected fraudulent activity to the appropriate authorities.
10. Failed or Declined Payments
A payment may fail for several reasons, including:
Incorrect billing information
Insufficient funds
Expired payment card
Card issuer restrictions
Security verification failure
Payment provider errors
If your payment fails, please:
Verify your payment information.
Contact your card issuer.
Use another payment method.
Contact us if assistance is required.
11. Refunds
Refunds are processed according to our Refund Policy.
When approved:
Refunds will be issued to the original payment method whenever possible.
Processing times vary depending on your payment provider and financial institution.
Banks may take between 5–10 business days (or longer) to post refunded funds to your account.
Shipping fees, taxes, or payment processing fees may not be refundable unless required by law or stated in our Refund Policy.
12. Chargebacks
Customers are encouraged to contact Hoomio before initiating a chargeback.
If a chargeback is filed:
We reserve the right to submit order documentation, shipment tracking information, delivery confirmation, and communication records to the payment provider.
Fraudulent or abusive chargebacks may result in refusal of future orders.
13. Order Cancellation
Orders may be canceled by Hoomio before shipment if:
Payment authorization fails.
Fraud is suspected.
Products become unavailable.
Pricing errors occur.
Technical system errors affect the order.
If payment has already been captured, an appropriate refund will be issued.
14. Pricing Errors
Although we strive for accuracy, errors relating to pricing, promotions, product descriptions, or availability may occasionally occur.
Hoomio reserves the right to:
Correct pricing errors.
Cancel affected orders.
Issue full refunds when necessary.
Customers will be notified if an order is impacted.
15. Promotional Discounts
Discount codes:
Cannot be exchanged for cash.
Cannot be applied retroactively.
May have expiration dates.
May be limited to one use per customer unless otherwise stated.
Hoomio reserves the right to cancel promotions that are misused or affected by technical errors.
16. Payment Disputes
If you believe you have been charged incorrectly, please contact us before contacting your payment provider.
We will make reasonable efforts to investigate and resolve payment-related concerns promptly.
17. Limitation of Liability
To the maximum extent permitted by applicable law, Hoomio shall not be liable for losses resulting from:
Banking delays
Currency conversion fluctuations
Third-party payment provider interruptions
Payment gateway outages
Unauthorized access caused by customer negligence
Financial institution processing delays
18. Changes to This Policy
Hoomio reserves the right to modify this Payment Policy at any time.
Any updates will become effective immediately upon publication on our website unless otherwise required by law.
Continued use of our website after changes are posted constitutes acceptance of the revised policy.
19. Contact Us
If you have questions regarding payments, billing, or this Payment Policy, please contact us:
Store Name: Hoomio
Email: support@hoomio.store
Phone: +12819463757
Business Address: 1729 W 84th St, Los Angeles, CA 90047, United States