Payment Terms and Conditions

Effective Date: April 25, 2025

These Payment Terms and Conditions (the "Payment Terms") govern the payment process for purchases made from My Home Garden, operated by Stanley Vertus ("we", "us", "our"), located at 2525 Rue Rachel, Montréal, QC H2H 1S2, Canada, through our website myhomegarden.uk.

By making a purchase on our Site, you agree to be bound by these Payment Terms. If you do not agree, please do not proceed with a purchase.

1. Accepted Payment Methods

We accept payments through the following methods, as authorized by Shopify Payments and Stripe:

  • Credit cards (Visa, MasterCard, American Express)
  • Debit cards

No other payment methods, such as PayPal or Apple Pay, are accepted unless explicitly stated on our Site. We reserve the right to modify the available payment methods at any time without prior notice.

2. Currency and Pricing

All prices are listed in British Pounds (GBP) and include applicable taxes, unless otherwise stated. The total amount, including product prices, shipping fees, and any applicable taxes, will be displayed at checkout before you confirm your order.

In the event of a pricing error on our Site, we reserve the right to cancel the order and issue a full refund. You will be notified promptly if such an error occurs.

3. Payment Process

Payment is due in full at the time of placing your order. Your payment will be processed through Shopify Payments or Stripe, our secure third-party payment processors. You will receive a confirmation email with your order details and payment receipt upon successful processing.

We do not store your payment information on our servers. All payment data is handled securely by Shopify Payments and Stripe in compliance with industry standards, including PCI-DSS (Payment Card Industry Data Security Standard).

4. Authorization and Verification

By submitting a payment, you confirm that you are authorized to use the payment method provided and that the information you provide is accurate. We may verify your payment details with the issuing bank or payment processor to prevent fraudulent transactions. If a payment cannot be verified or is declined, we will notify you, and the order will not be processed until a valid payment is received.

5. Failed or Unauthorized Transactions

If a transaction is declined or flagged as unauthorized, we will contact you to resolve the issue. We are not responsible for any fees or charges imposed by your bank or card issuer due to declined or unauthorized transactions. To avoid disputes, ensure that your payment method has sufficient funds and is valid at the time of purchase.

6. Refunds

Refunds are processed in accordance with our Terms and Conditions of Sale. You may be eligible for a refund under the following conditions:

  • Return of unused products within 30 days of receipt, in their original packaging.
  • Cancellation of an order within 14 days of receipt, as per UK consumer rights.
  • Receipt of defective or incorrect products.

Refunds will be issued to the original payment method within 7 business days of receiving and inspecting the returned items. You will be notified by email once the refund is processed. For more details, please refer to our Terms and Conditions of Sale.

7. Preventing Payment Disputes

To minimize the risk of payment-related disputes, we take the following measures:

  • Transparent Pricing: All costs are clearly displayed at checkout.
  • Secure Processing: Payments are handled by trusted third-party processors (Shopify Payments and Stripe).
  • Order Confirmation: You receive immediate confirmation of your order and payment details.
  • Customer Support: If you have concerns about a payment, contact us at contact@MyhomeGarden.uk within 7 days of the transaction, and we will investigate promptly.

If you believe a payment was processed in error or was unauthorized, please contact us immediately. We will work with you and our payment processors to resolve the issue. You may also contact your bank or card issuer to initiate a chargeback, but we encourage you to contact us first to avoid unnecessary disputes.

8. Security Measures

We prioritize the security of your payment information. All transactions are encrypted using SSL (Secure Sockets Layer) technology, and our payment processors comply with PCI-DSS standards. We do not have access to your full payment details, which are securely managed by Shopify Payments and Stripe.

9. Changes to These Payment Terms

We reserve the right to update these Payment Terms at any time. Changes will be posted on this page and will take effect immediately. We encourage you to review these terms periodically.

10. Governing Law

These Payment Terms are governed by the laws of the Province of Quebec, Canada. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Quebec. However, local consumer protection laws may apply to customers in their country of residence.

11. Contact Us

If you have any questions or concerns about these Payment Terms or a payment-related issue, please contact us at:

Email: contact@MyhomeGarden.uk

Address: 2525 Rue Rachel, Montréal, QC H2H 1S2, Canada