Payment Policy – HBMQ

Effective Date: March 1, 2025

At HBMQ, we prioritize a secure and seamless payment experience for our customers. Please review our Payment Policy for details on accepted payment methods, billing information, and security measures.

1. Accepted Payment Methods

We accept the following secure payment options:

✔ Credit/Debit Cards (Visa, MasterCard, American Express, Discover)
✔ PayPal
✔ Apple Pay & Google Pay
✔ Cryptocurrency Payments (Bitcoin, Ethereum, and other selected cryptocurrencies)
✔ Bank Transfers (for bulk or custom orders)

💡 Note: Available payment options may vary based on your location.

2. Payment Processing

✔ Payments are processed immediately upon order placement.
✔ All transactions are secured using advanced encryption and fraud prevention technologies.
✔ If a payment is declined, check with your bank or payment provider before attempting again.

3. Currency & Pricing

✔ All prices on our website are displayed in USD ($) unless otherwise specified.
✔ Customers may be charged in their local currency based on their bank’s exchange rate and conversion fees.
✔ Prices are subject to change without prior notice due to market fluctuations or promotions.

4. Taxes & Additional Charges

✔ Sales tax, VAT, or import duties may apply based on your shipping location.
✔ Customers are responsible for customs fees or international transaction charges imposed by their bank or local authorities.

5. Order Confirmation & Invoices

✔ After a successful payment, an order confirmation email will be sent to you.
✔ If you do not receive an order confirmation within 24 hours, check your spam folder or contact us.
✔ Invoices for purchases can be requested via email if needed.

6. Payment Security

✔ We use SSL encryption to ensure all transactions are secure and protected.
✔ HBMQ does not store sensitive payment details such as credit card numbers.
✔ If we detect suspicious or fraudulent transactions, we reserve the right to cancel the order and issue a refund.

7. Refunds & Chargebacks

✔ Refunds are processed according to our Refund & Return Policy.
✔ If you believe an unauthorized charge has been made, contact us immediately.
✔ Chargebacks without prior communication may result in account suspension or order restrictions.

8. Subscription & Recurring Payments (If applicable)

✔ Some products/services may be offered on a subscription basis with recurring payments.
✔ Customers will be notified before each billing cycle and may cancel their subscription anytime.

9. Failed or Declined Payments

If a payment fails, please check:
✔ Sufficient funds in your account.
✔ If your bank has placed restrictions on your card.
✔ Whether your billing information is entered correctly.

💡 If issues persist, try another payment method or contact your bank for assistance.

10. Contact Us

For any questions regarding payments or billing, feel free to contact our support team:

📧 Email: info@hbmq.xyz
📞 Phone: 307-621-0431

Thank you for shopping at HBMQ – Your Trusted Online Store!