Payment Policy – Effective Date: January 7, 2025

At RingBina, we are committed to providing a seamless and secure shopping experience. Our Payment Policy outlines the terms and conditions regarding payment methods, processing, and security when making purchases through our website ringbina.com. By placing an order with us, you agree to comply with the terms specified in this policy.

1. Accepted Payment Methods

We accept a variety of secure payment options for your convenience:

  • Credit Cards: Visa, MasterCard, American Express, Discover.
  • Debit Cards: Visa, MasterCard, American Express, Discover.
  • PayPal: Pay securely with your PayPal account.
  • Other Payment Methods: We may also accept additional payment methods as listed during checkout.

2. Payment Authorization

When you place an order, your payment will be authorized and processed immediately. However, we do not charge your payment method until the order has been confirmed and is ready for shipment. In the event that there is an issue with payment authorization (e.g., insufficient funds, card decline), we will notify you via email or phone and request that you provide an alternate form of payment.

3. Order Confirmation

Once your payment has been successfully processed, you will receive an order confirmation email. This email serves as a receipt for your order and contains the details of the items purchased, order number, and shipping address. It is important to review this confirmation to ensure that all information is accurate.

4. Payment Security

At RingBina, we take the security of your payment information very seriously. All transactions are processed through secure payment gateways that use encryption technology to protect your personal and payment details. We adhere to industry standards to ensure that your data is safe while shopping on our website.

  • Secure Checkout: Our website uses SSL (Secure Socket Layer) encryption to ensure that all information you provide is securely transmitted.
  • Third-Party Payment Processors: Payment processing is handled by reputable third-party providers (e.g., PayPal, Stripe) that comply with the highest security standards, including PCI-DSS (Payment Card Industry Data Security Standard).

5. Sales Tax

Sales tax may be applicable to your order based on your shipping address and the tax laws of your jurisdiction. The appropriate tax amount will be calculated during checkout and added to your total order amount.

  • Tax Calculation: Sales tax rates vary by state and locality. The exact tax rate will be displayed during checkout before you complete your purchase.

6. Payment Errors

If you experience any issues with payment (e.g., declined card, payment failure), we recommend checking the following:

  • Ensure that your payment information (card number, expiration date, CVV) is entered correctly.
  • Verify that your payment method has sufficient funds or credit available.
  • Contact your bank or card issuer if you are unsure about the issue.

If the issue persists, please reach out to us at info@ringbina.com or call (586) 759-2176 for assistance.

7. Currencies

All transactions on RingBina are processed in U.S. dollars (USD). If you are purchasing from outside the United States, your credit card or PayPal account may apply conversion fees based on your bank’s exchange rates.

8. Payment for International Orders

For international orders, RingBina accepts payments in U.S. dollars. You will be responsible for any customs duties, taxes, or fees associated with the import of goods into your country. These charges are separate from the total order price and are not included in the amount you pay at checkout.

9. Payment Disputes

If you believe that there is an error with a charge or transaction, please contact our customer service team immediately at info@ringbina.com. We will review your case and work to resolve any payment-related issues as quickly as possible.

10. Payment Terms for Subscription-Based Products (If Applicable)

If you purchase a subscription-based product or service from RingBina, you authorize us to automatically charge your payment method at the frequency agreed upon (e.g., monthly, quarterly, annually). You can manage your subscription and payment method through your account settings on our website.

11. Payment Failure or Cancellation

In the event that a payment fails to process, we will notify you promptly and allow you to resolve the issue by providing an alternative payment method. If payment cannot be completed, your order will not be processed, and the items will not be shipped. You may cancel your order if payment fails, and any charges related to unsuccessful transactions will not be billed.

12. Contact Information

If you have any questions or need assistance regarding payments, please contact us at:

RingBina is dedicated to providing you with a safe, secure, and easy shopping experience. By following the terms and conditions outlined in this Payment Policy, we aim to ensure that your purchases are processed smoothly and securely.

Effective Date: January 7, 2025