Payment Policy

This Payment Policy explains the terms that apply when customers make payments for products purchased through our online store. It applies to purchases of women’s coats and jackets, cashmere clothing, blazers, and other products that may be offered through our website.

1. General Payment Terms

All orders must be paid for using an available payment method presented during checkout. Payment is required before an order can be accepted for processing and fulfilment.

Submitting an order does not automatically mean that the order has been accepted. An order is considered confirmed only after the payment has been successfully authorised and the order has been accepted for processing.

2. Product Prices

The price shown on the relevant product page at the time an order is placed will normally be the price charged for that product.

We make reasonable efforts to ensure that product prices are displayed accurately. If a pricing error is identified before an order is processed, we may contact the customer and provide the opportunity to proceed at the correct price or cancel the affected order.

3. Currency

The applicable currency for an order will be displayed on the website or during checkout before payment is submitted.

Customers should review the final order amount carefully before completing payment.

Where a customer uses a payment account or card issued in a different currency, their bank or payment provider may apply currency conversion rates or additional charges. Such charges are determined by the customer’s financial institution and are outside our control.

4. Available Payment Methods

Customers may use the payment methods made available at checkout at the time of purchase.

The availability of a particular payment method may depend on the customer’s location, order value, technical availability, payment provider requirements, or other factors.

We do not guarantee that every payment method will remain available at all times.

5. Payment Authorisation

When an order is submitted, the payment information may be sent to the relevant payment service provider, card issuer, bank, or financial institution for authorisation.

The payment provider may verify information such as:

• Payment account validity

• Available balance or credit

• Card security information

• Billing information

• Fraud prevention information

• Transaction risk indicators

We may not be able to process an order if payment authorisation is declined or cannot be completed.

6. Payment Security

We take reasonable steps to ensure that payments are processed through appropriate payment systems.

Customers are responsible for ensuring that the payment details they provide are accurate, complete, current, and authorised for use.

Customers should not provide payment information that they do not have permission to use.

7. Billing Information

Customers may be required to provide billing information during checkout.

The information supplied should correspond with the information held by the customer’s bank, card issuer, or payment provider where required for payment verification.

Incorrect or incomplete billing information may result in payment failure, additional verification, or delayed order processing.

8. Payment Confirmation

After a payment has been successfully submitted, customers may receive an order or payment confirmation.

A confirmation acknowledges that the order has been received. It does not prevent us from cancelling an order where payment cannot ultimately be verified, where fraud is suspected, where the product is unavailable, or where another legitimate reason prevents fulfilment.

9. Failed or Declined Payments

A payment may be declined for reasons determined by the customer’s bank, card issuer, or payment service provider.

Possible reasons may include insufficient funds, incorrect payment information, security restrictions, expired payment credentials, transaction limits, or fraud prevention controls.

If a payment is declined, customers should check their payment details or contact their payment provider where appropriate.

10. Duplicate Payment Attempts

Customers should avoid repeatedly submitting payment where the status of an earlier transaction is unclear.

If a customer believes that they have been charged more than once for the same order, they should contact us and provide sufficient order information so that the matter can be reviewed.

Any duplicate payment identified and confirmed will be handled appropriately.

11. Payment Verification and Fraud Prevention

For security purposes, certain orders may be subject to additional payment verification.

We may request reasonable information necessary to confirm the legitimacy of an order or payment.

We reserve the right to refuse, suspend, or cancel an order where we reasonably believe that a transaction may be unauthorised, fraudulent, suspicious, or otherwise presents a payment or security risk.

12. Payment Processing Delays

Although many payments are processed promptly, payment confirmation may occasionally be delayed because of banking systems, payment provider checks, technical issues, security reviews, or other circumstances outside our reasonable control.

Order processing may not begin until payment has been successfully confirmed.

13. Charges Appearing on Payment Statements

The description displayed on a customer’s bank or payment statement may vary depending on the payment processor or financial institution involved in the transaction.

Customers who do not recognise a charge relating to an order should contact us before initiating a payment dispute where reasonably possible so that we can assist with identifying the transaction.

14. Additional Bank or Payment Provider Charges

Banks, card issuers, or payment providers may apply additional charges in connection with a transaction.

These may include foreign exchange charges, international transaction charges, bank processing fees, or other account-related fees.

Such charges are imposed by third parties and are not controlled by us.

15. Payment and Order Cancellation

Where an order is cancelled before fulfilment and a payment has already been collected, any applicable refund will be handled in accordance with our cancellation and refund procedures.

The time required for refunded funds to become visible in a customer’s account may depend on the bank, card issuer, or payment provider.

16. Refunds to the Original Payment Method

Where a refund is approved, it will normally be returned using the original payment method used for the relevant purchase where technically possible.

Customers should understand that processing times after a refund has been issued may vary depending on the financial institution or payment service provider.

We cannot control the time taken by a bank or payment provider to make refunded funds available after the refund has been submitted.

17. Chargebacks and Payment Disputes

Customers who believe that there is a problem with a payment are encouraged to contact us so that we have an opportunity to investigate the issue.

If a customer initiates a chargeback or other formal payment dispute, we may provide relevant transaction, order, delivery, communication, and payment information to the payment provider where necessary to respond to the dispute.

Fraudulent or abusive use of payment disputes may result in future orders being refused where permitted by law.

18. Changes to Orders After Payment

Once payment has been completed, it may not always be possible to modify payment information, products, quantities, delivery details, or other order information.

Customers should therefore carefully review all order and payment details before completing checkout.

Where a change is requested after payment, we will determine whether the requested change can reasonably be made based on the current processing status of the order.

19. Customer Payment Responsibilities

By submitting payment, the customer confirms that:

• The payment information provided is accurate

• The customer is authorised to use the selected payment method

• Sufficient funds or credit are available where required

• The billing and order information provided is truthful

• The transaction is being made for legitimate purchasing purposes

• The customer understands and accepts the total amount shown before payment

Customers are responsible for reviewing their order carefully before confirming payment.

20. Payment Enquiries and Contact Information

For questions regarding payments, duplicate charges, failed transactions, refunds, billing information, or payment-related order issues, customers may contact us using the following details:

Company: Calvane

Address:
6 BROOKWATER CLOSE
HALIFAX
HX3 0QR
United Kingdom

Email: support@calvane.online

Telephone: +44 7823733631

When contacting us about a payment, customers should provide sufficient information to identify the relevant order, but should not send complete card numbers, card security codes, passwords, or other unnecessary confidential payment credentials by email.