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Billing Terms & Conditions

By placing an order on our website, you agree to the following billing terms and conditions. Please read them carefully to understand how payments are processed and secured.

1. General Agreement

By providing your payment information and confirming your order, you authorize Hovamo to charge the total order amount to your selected payment method. This amount includes the item price, applicable shipping fees, and sales tax.

2. Payment Methods

We accept the following payment methods for secure checkout:

  • Credit/Debit Cards: Visa, MasterCard, American Express, Discover, JCB, Diners Club.

  • Digital Wallets: PayPal, Apple Pay, Google Pay.

We do not accept Cash on Delivery (COD), personal checks, or money orders.

3. Payment Processing

  • Immediate Charge: Payment is captured at the time the order is placed. Once you hit the “Pay Now” or “Complete Order” button, the funds will be deducted from your account immediately to secure your inventory and initiate the processing of your order.

  • Order Confirmation: Upon successful payment, you will receive an email confirmation containing your order details and a receipt of payment. If you do not receive this email within 24 hours, please check your spam folder or contact us.

4. Billing Information Accuracy

  • To ensure a successful transaction, the billing name and address you provide must match the information on file with your financial institution.

  • We reserve the right to cancel any order if the billing information cannot be verified or appears fraudulent. In such cases, a full refund will be issued immediately, and you will be notified via email.

5. Sales Tax

Hovamo operates in compliance with United States tax laws.

  • Sales tax is calculated automatically at checkout based on the shipping destination and the applicable state and local tax rates.

  • The final price shown at checkout is inclusive of these taxes (if applicable).

6. Security & Privacy

We take the security of your financial information seriously.

  • SSL Encryption: Our website utilizes Secure Socket Layer (SSL) technology (128-bit encryption) to protect your personal and payment data during transmission.

  • PCI Compliance: We are Level 1 PCI DSS compliant.

  • Data Storage: Hovamo does not have access to or store your full credit card numbers or sensitive payment details. All transactions are processed through secure, third-party payment gateways.

7. Price Changes

Prices for our products are subject to change without notice.

  • The price charged for a product will be the price in effect at the time the order is placed.

  • We do not offer price adjustments or refunds on previous purchases if the price is later reduced or put on sale.

8. Cancellations & Refunds

  • Cancellations: If you wish to cancel an order, please contact us immediately at [email protected]. If the order has not yet been processed or shipped, we will cancel it and issue a full refund.

  • Refunds: Refunds for returned items or cancelled orders will be issued to the original payment method. Please allow 5-10 business days for the refund to appear on your bank statement, depending on your financial institution.

9. Chargebacks & Disputes

We encourage customers to contact our support team first to resolve any issues regarding their order.

Providing false claims or initiating fraudulent chargebacks is a violation of our terms. We reserve the right to report such activities to payment processors and relevant authorities.

10. Contact Information

For any questions regarding your bill or these terms, please contact us:

  • Email: [email protected]

  • Address: 1001 S. Main St. # 2388, Kalispell, MT 59901

  • Business Hours: Mon – Fri / 8:00 AM – 5:00 PM