Payment Policy
Effective Date: November 11, 2024
Website: ClothingPolo.com
Operated by: WAHAB NOURI
Address: 791 N Mollison Ave, El Cajon, CA 92021, United States
Support Email: support@clothingpolo.com
Support Hours: Monday – Saturday, 8:00 AM – 7:00 PM (EST)
1. Overview
ClothingPolo.com processes all payments exclusively through PayPal, our primary and sole payment service provider. We offer:
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PayPal account checkout
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Major credit/debit cards via PayPal (guest PayPal checkout)
-
Full buyer and seller protection under PayPal policies
We do not support alternative payment processors (e.g., direct bank transfer, COD, crypto payments, e-wallets outside PayPal) at this time.
By completing a purchase on ClothingPolo.com, you agree that:
✔ Your payment will be processed and authorized by PayPal
✔ Billing details must match PayPal authorization records
✔ Dispute resolution abides by PayPal Resolution Center rulings
✔ Orders will only proceed after PayPal approval and authorization
2. Accepted Payment Method
| Payment Method | Availability | Notes |
|---|---|---|
| PayPal | ✔ Active | Includes PayPal account and guest card payments processed by PayPal |
| Non-PayPal processors | ✖ Not supported | Not accepted for any purchase on this Website |
Important: ClothingPolo.com never stores PayPal login credentials or full card numbers. All sensitive financial data is encrypted and processed directly on PayPal’s secure systems.
3. Payment Authorization Timeline
Payments may reflect different authorization windows based on funding source inside PayPal:
| PayPal Funding Source | Authorization Outcome | Typical Timing |
|---|---|---|
| PayPal Balance | Instant approval | Immediate |
| Credit/Debit Card | Secure verification | Instant – 48 hours if flagged |
| Linked Bank Account | eCheck style clearance | 3 – 5 business days if PayPal chooses eCheck screening |
If PayPal places your transaction under review or hold, your order status will remain Pending Authorization until PayPal releases the approval. ClothingPolo.com has no control over PayPal internal verification timing but will provide support updates upon request.
4. Automatic Fraud Screening Notice
To protect buyers and prevent payment abuse, PayPal and Shopify infrastructure may conduct non-intrusive verification such as:
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Session integrity checks
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IP to region match validation
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Bot or automated traffic defense
| Screening Activity | Stores Personal Identity Data? | Impacts Order? |
|---|---|---|
| Fraud handshake between Shopify and PayPal | ✖ No | ✔ May require session restart if flagged |
| IP mapping to shipping zone | ✖ Not stored permanently | ✔ Order proceeds only if region is supported |
| Bot defense and abusive traffic blocking | ✖ No | ✔ May block access if malicious |
ClothingPolo.com does not discriminate or identify users based on sensitive attributes, including but not limited to:
✖ Race, Religion, Political views, Biometrics, Medical conditions, Gender identity inference, etc.
Refund eligibility is never determined by cookies or IP alone — it requires warehouse inspection and PayPal dispute agreement ruling only.
5. Price Accuracy & Lock at Checkout
All prices for products are displayed in USD ($).
| Pricing Stage | Can Price Change? | Is Retroactive Discount Allowed? |
|---|---|---|
| Before checkout | ✔ May update for Store changes | ✖ No |
| After checkout | ✖ No, price is locked at payment confirmation | ✖ No |
If a pricing error is detected by the Company after purchase:
| Error Type | Resolution |
|---|---|
| Incorrect price displayed | Price correction + order reconfirmation or cancellation available |
| Technical glitch | Refund issued back to original PayPal payer account |
6. Billing Information Responsibility
You agree that all billing details:
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Must align with PayPal authorization records
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Must be entered truthfully
| Billing Issue | Order Impact | Solution |
|---|---|---|
| Mismatch with PayPal verification | ✖ Order paused | Contact PayPal directly or retry checkout |
| Incorrect details entered | ✔ Account responsibility | Orders returned may require reshipping payment |
We are not responsible when:
✖ PayPal reverses or disputes due to unauthorized card use
✖ Payments fail due to PayPal security triggers
7. Order Completion Criteria
A ClothingPolo.com order is considered valid and payable only when:
| Requirement | Must Be Completed? |
|---|---|
| PayPal authorization success | ✔ Yes |
| Payment flagged or held by PayPal | ✔ Must wait for PayPal decision |
| Fraud dispute opened before delivery | ✔ Handled by PayPal Resolution |
8. Refund Policy After Return Acceptance
Refund processing begins only after:
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Return request is approved
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Parcel arrives at warehouse
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Inspection clears condition
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Refund is sent to PayPal
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Confirmation email delivered
| Refund Stage | Description | Timeline |
|---|---|---|
| Return Approved | RA# emailed | 24–72 hours |
| Parcel Received | Warehouse scan | 2–5 business days depending on region from return shipment |
| Inspection Completed | Product condition validated | 3–7 business days |
| Refund Sent to PayPal | Refund routed to original payment source | 3–7 business days PayPal internal posting |
| Refund Visibility | PayPal or bank update depending on funding | 1–10 business days PayPal/bank cycle |
Refund cannot be issued earlier than PayPal acceptance and warehouse inspection validation.
9. Chargebacks & Disputes
All disputes are governed by PayPal’s Resolution Center process.
| Dispute Type | Processed By ClothingPolo.com? | Route |
|---|---|---|
| Unauthorized Payment, Charge Fraud, Chargeback | ✖ No | PayPal Resolution Center |
| Size mismatch or change-of-mind claims | ✔ Yes but after return acceptance | Shipping return + refund after inspection |
| Courier damage claims | ✔ Only after claim validated | Replacement/refund subject to PayPal + carrier liability approval |
ClothingPolo.com cannot influence dispute refunds if PayPal judges the case. We assist only by providing evidence and documentation upon request.
10. Taxes & Fees
| Fee Type | Included at Checkout? |
|---|---|
| Product price | ✔ Yes |
| Domestic or International tax/VAT | ✔ Displayed if PayPal or Shopify includes it automatically |
| Customs, Import duties | ✖ Not included |
| PayPal dispute rulings | ✖ Managed exclusively by PayPal |
11. Payment Safety Statement
We always ensure:
✔ Encrypted checkout via PayPal
✔ No storage of passwords or full card numbers
✔ No misleading financial practices
✔ No use of unsafe merchant methods
If you suspect fraudulent communication claiming to be ClothingPolo.com, contact us immediately.
12. Customer Support
| Support Category | Contact |
|---|---|
| Payment Questions | support@clothingpolo.com |
| Fraud or Suspicious Payment Claims | support@clothingpolo.com (Subject: Security Alert) |
| Refund After Return Info | support@clothingpolo.com (Subject: Refund Inquiry) |
Typical response time: within 1 business day
13. Cookie & Session Notice Related to Payments
To maintain store functionality and policy transparency, we may use limited cookies for:
| Operational Use | Why It Matters |
|---|---|
| Shopping cart continuity | Ensures product queue integrity |
| Checkout session handshake with PayPal | Protects transaction security |
| Shipping zone validation | Ensures delivery is routed correctly |
Cookies are never tied to personal profiling or sensitive identity storage.
14. Policy Revision Rights
| Update Scope | Notification Policy |
|---|---|
| Payment Policy text adjustments | ✔ Updated on this page with new effective date |
| Payment processor changes | ✔ Announced publicly if applicable |
| Retroactive price or payment changes | ✖ Not permitted |
15. Final Acknowledgment
By completing a purchase you confirm that:
✔ You accept PayPal as the only payment method
✔ Refund begins only after warehouse inspection ✅
✔ Order proceeds only after PayPal authorization ✅
ClothingPolo.com
Verified Commerce | Secure PayPal Checkout | Worldwide Delivery | Transparent Policies