PAYMENT POLICY

Effective Date: January 16, 2025

At Opulentski, we strive to provide a secure, convenient, and transparent payment experience for our customers. This Payment Policy outlines the terms and conditions governing payment for products purchased through our website, opulentski.com. By making a purchase on our site, you agree to the terms outlined below.

1. Accepted Payment Methods

Opulentski accepts a variety of secure and convenient payment methods to ensure a seamless transaction process. These include:

  • Credit Cards: We accept major credit cards, including Visa, MasterCard, American Express, and Discover. Please ensure that you enter your credit card details accurately to avoid payment processing issues.

  • Debit Cards: We also accept payments from most major debit cards that carry the Visa or MasterCard logo. Your debit card will be processed as a credit card transaction.

  • PayPal: You can conveniently pay for your order using your PayPal account. This provides an added layer of security and is a convenient option for customers who prefer not to share their card details directly.

  • Other Online Payment Platforms: We may also accept payments through other reputable online payment platforms, which will be clearly displayed during the checkout process. ( Specific platforms, if any, would be listed here )

  • Gift Cards: Opulentski gift cards may be redeemed as payment for purchases made on our website. You can redeem multiple gift cards as well as apply them to any product.

Please note that we do not accept cash, checks, or money orders for online purchases.

2. Payment Security

We understand the importance of protecting your financial information, and we are committed to ensuring the security of your payment transactions. Opulentski employs industry-standard security measures to safeguard your payment details:

  • Secure Sockets Layer (SSL) Encryption: Our website utilizes SSL encryption technology to secure your data during transmission. This technology encrypts your payment information, making it unreadable to unauthorized parties.

  • PCI DSS Compliance: We work with reputable payment processors that are fully compliant with the Payment Card Industry Data Security Standard (PCI DSS). This standard ensures that all credit card and debit card information is handled securely.

  • Tokenization: We use tokenization to replace sensitive payment information with non-sensitive tokens. This reduces the risk of fraud and ensures your card details are never directly stored on our servers.

  • Fraud Prevention: We employ advanced fraud detection measures to monitor transactions and prevent fraudulent activities. This may include the use of address verification systems (AVS) and card verification values (CVV).

  • Regular Security Audits: We conduct regular security audits and vulnerability assessments to identify and address potential security risks, ensuring your payment information is always protected.

3. Payment Processing

  • Order Confirmation: Once you have successfully completed your order, you will receive an order confirmation email to the address you provided. This email will include details of your order, total amount, and payment method used.

  • Authorization: When you place an order, the total amount is authorized but not charged until your order is ready for shipment. In the event that an order is cancelled we will ensure the authorization is immediately cancelled.

  • Payment Timing: Your payment will be processed when your order is processed for shipment. You will receive a shipment confirmation email with tracking information once your payment has been captured and your order has been shipped.

  • Payment Errors: If a payment error occurs during processing, you will be notified on our website and/or via email. You may need to contact your bank or payment provider to resolve the issue. If an error persists please contact us at info@opulentski.com or call us at (205) 648-9594.

  • Currency: All transactions on the Opulentski website are processed in [Specify Currency Here, e.g., US Dollars]. If you are purchasing from outside of the United States, your bank or credit card provider may apply foreign exchange rates.

4. Billing Information

  • Accuracy of Information: You are responsible for providing accurate and complete billing information, including your name, billing address, phone number, and credit card details.

  • Billing Address Verification: To prevent fraud, we may verify your billing address with your payment provider. If your billing address does not match your payment information, your order may be delayed or cancelled.

  • Billing Disputes: If you have a dispute regarding a billing charge, please contact us immediately at info@opulentski.com or call us at (205) 648-9594. We will investigate the issue and work towards a resolution.

5. Sales Tax

  • Applicable Sales Tax: Sales tax will be applied to your order as required by applicable laws and regulations based on your shipping address.

  • Sales Tax Amount: The amount of sales tax will be clearly displayed during the checkout process before you complete your purchase.

6. Refunds

  • Refund Method: Refunds will be processed to the original payment method used for the purchase.

  • Refund Timing: Refunds are typically processed within 7-10 business days after the return is approved. Please see our [Refund and Returns Policy](link to your refund policy) for more information.

7. Gift Cards

  • Gift Card Usage: Opulentski gift cards can be used as payment for purchases on our website.

  • Gift Card Balance: If a gift card does not cover the full purchase amount, you can combine it with another payment method.

  • Gift Card Expiry: Please refer to the terms and conditions stated on the gift card itself for information about its expiry date.

8. Changes to this Payment Policy

Opulentski reserves the right to modify this Payment Policy at any time. Any changes will be posted on this page, and the “Effective Date” will be updated accordingly. We encourage you to review this policy periodically for updates. Your continued use of our website and purchase of products after any changes indicates your acceptance of the updated policy.

9. Contact Us

If you have any questions or concerns regarding our Payment Policy, please contact us at: