This Payment Policy explains the terms and conditions that apply to payments made when purchasing cardigans and related products through our website. By placing an order and submitting payment, you confirm that you have read, understood, and agreed to the payment terms described below.
1. Accepted Payments
Customers may complete payment using the payment methods made available during the checkout process.
The available payment options may depend on the customer's location, order value, device, currency, and the payment services available at the time of checkout.
Only payment methods displayed and available at checkout can be used to complete an order.
We do not guarantee that every payment method will be available for every transaction.
2. Payment Authorisation
When you place an order, your selected payment method may be subject to authorisation and verification.
Your payment provider may check whether sufficient funds or credit are available and whether the transaction meets its security requirements.
An order is not considered successfully paid until the payment has been authorised or otherwise confirmed by the relevant payment provider.
If payment authorisation is declined, the order may not be processed.
3. Payment at Checkout
Payment is generally required when an order is submitted through the website.
Customers are responsible for reviewing their order details carefully before confirming payment, including the selected products, quantities, sizes, delivery information and total amount payable.
Once payment has been submitted, changes may not always be possible.
4. Order Confirmation
After a successful checkout, customers may receive an order confirmation using the contact information provided during the order process.
An order confirmation acknowledges that the order has been received. It does not necessarily mean that the order has been accepted for fulfilment.
We may review an order before acceptance, including for payment verification, stock availability, delivery information and fraud prevention purposes.
5. Prices
The price applicable to a product is the price displayed on the website at the time the customer places the order, subject to any correction of obvious pricing or technical errors.
Customers should review the final checkout total before submitting payment.
The amount charged will be based on the final order total displayed during checkout.
6. Pricing Errors
Although reasonable efforts are made to ensure that prices are displayed correctly, errors may occasionally occur.
If a product is listed at an incorrect price because of a technical, administrative or other genuine error, we may contact the customer before processing or dispatching the order.
Where appropriate, the customer may be given the opportunity to confirm the order at the correct price or cancel the affected order.
If an order cannot reasonably be fulfilled because of a clear pricing error, any payment already collected for the affected order will be handled appropriately.
7. Payment Currency
The currency applicable to an order will be the currency displayed during checkout.
Customers should check the displayed currency before confirming payment.
If a customer's payment account uses a different currency, the customer's bank, card issuer or payment provider may perform a currency conversion.
Any conversion rate or related charge applied by the customer's payment provider is determined by that provider and is outside our control.
8. Bank and Payment Provider Charges
A customer's bank, card issuer or payment provider may apply additional charges in connection with a transaction.
These may include currency conversion charges, foreign transaction charges, banking fees or other payment-related charges.
Such charges are not imposed by us unless they are expressly included in the order total displayed at checkout.
Customers should contact their own payment provider if they require information about charges applied by that provider.
9. Failed or Declined Payments
A payment may be declined or fail for various reasons, including insufficient funds, incorrect payment information, security restrictions, payment provider limits or technical problems.
If a payment fails, the customer may need to try the transaction again or use another payment method available at checkout.
We are not responsible for a payment provider's decision to decline or restrict a transaction.
10. Payment Verification
For security and fraud-prevention purposes, certain transactions may require additional verification.
We may review payment information, billing details, delivery information or other order information where reasonably necessary to verify the legitimacy of a transaction.
We may also request reasonable additional information from a customer if required to confirm an order.
If sufficient verification cannot be completed, an order may be delayed or cancelled.
11. Fraud Prevention
We reserve the right to refuse, suspend or cancel an order where there is a reasonable concern regarding fraud, unauthorised payment activity, misuse of a payment method or other suspicious transaction activity.
This may include situations where the payment details, customer information or delivery information appear inconsistent or cannot reasonably be verified.
Where an order is cancelled after payment has been collected, the payment will be handled in accordance with the applicable cancellation or refund process.
12. Unauthorised Payments
Customers must use only payment methods that they are legally authorised to use.
By submitting payment, the customer represents that they are authorised to use the selected payment method.
If a customer believes that their payment method has been used without permission, they should contact their bank or payment provider promptly and may also contact us regarding the relevant order.
13. Duplicate Payments
Customers should avoid repeatedly submitting the same order if the payment screen is delayed or if confirmation is not immediately displayed.
If a customer believes that the same order has been charged more than once, they should contact us and provide sufficient information for us to investigate the transaction.
Where a genuine duplicate payment is confirmed, the duplicate amount will be handled appropriately.
14. Pending Transactions
In some cases, a bank or payment provider may display a transaction as pending even when an order has not yet been fully processed.
A pending transaction does not always represent a completed charge.
The length of time that a pending authorisation remains visible is generally determined by the customer's bank or payment provider.
Customers should contact their payment provider if they require specific information about a pending authorisation.
15. Cancelled Orders and Payment Reversals
If an order is cancelled before fulfilment and payment has already been collected, any amount due to be returned will normally be sent back using the appropriate payment process.
The time required for a returned payment to appear in the customer's account may depend on the bank, card issuer or payment provider involved.
We cannot control the internal processing time of third-party financial institutions.
16. Refund Payments
Where a refund is approved under the applicable return and refund terms, the refund will normally be processed using the payment method associated with the original transaction where reasonably possible.
The amount refunded will depend on the circumstances of the return and the applicable refund terms.
Once a refund has been processed, additional processing time may be required before the funds appear in the customer's account.
17. Payment Security
We take reasonable steps to support secure online transactions.
Customers are responsible for ensuring that they use a secure device and connection when entering payment information.
Customers should not send full payment card details through ordinary email or other insecure communication methods.
We will never require customers to provide information that is unnecessary for resolving an ordinary payment or order enquiry.
18. Customer Payment Responsibilities
Customers are responsible for providing accurate and complete information when placing an order.
This includes ensuring that billing information and other payment-related information submitted during checkout is correct.
Customers should review payment information carefully before submitting an order.
Incorrect information may result in payment failure, verification delays or cancellation of an order.
19. Payment Disputes and Chargebacks
If a customer believes there is a problem with a payment or order, we encourage the customer to contact us first so that we can investigate the issue.
Customers should provide the relevant order information and a clear description of the payment concern.
Where a payment dispute or chargeback is raised with a bank or payment provider, we may provide relevant transaction, order, delivery and communication records to the payment provider for the purpose of responding to the dispute.
Nothing in this section affects any rights available to customers under applicable UK consumer law.
20. Payment Enquiries
For questions regarding payments, payment confirmation, duplicate charges, refunds or other payment-related matters, customers may contact us using the following details:
Company: Mirvane
Address: 5 ALDWINCKLE HOUSE, 34 TELLSON AVENUE, LONDON, SE18 4ED
Email: support@mirvane.online
Telephone: +44 7741542943
When contacting us regarding a payment, customers should provide sufficient order information to allow us to identify and investigate the transaction. Customers should not send complete bank card numbers, security codes, passwords or other sensitive authentication information by email.