Payment Policy for HomeBina

Effective Date: 11/03/2025

At HomeBina, we aim to make your shopping experience as smooth and secure as possible. Our Payment Policy outlines the terms and conditions regarding payments for products and services purchased through our website. By making a purchase, you agree to the terms outlined in this policy.

1. Accepted Payment Methods

We offer a variety of secure payment methods to ensure that you can complete your purchase with ease. The following payment options are accepted:

  • Credit Cards: Visa, MasterCard, American Express, Discover
  • Debit Cards: Debit cards with the above-mentioned networks
  • PayPal: A secure and convenient method for online payments
  • Apple Pay and Google Pay: Available for quick and easy mobile payments
  • Gift Cards: HomeBina Gift Cards can be used to make purchases (subject to terms and conditions)

All payment methods are processed securely through industry-standard encryption protocols to protect your information.

2. Payment Authorization

  • Order Confirmation:
    Once you place an order on homebina.com, we will send you an order confirmation email. This email confirms that we have received your order; however, it does not imply acceptance of the order. All orders are subject to acceptance and availability.

  • Payment Authorization:
    By submitting your order, you authorize HomeBina to charge the payment method you provided for the total order amount, including shipping fees, applicable taxes, and any additional charges.

  • Order Processing:
    Orders will be processed only after payment authorization is complete. If there is an issue with your payment, we may contact you to resolve it before we proceed with the order.

3. Currency and Pricing

  • Currency:
    All prices on homebina.com are displayed in USD (United States Dollar), unless stated otherwise. The applicable taxes and shipping fees will be calculated at checkout.

  • Pricing Accuracy:
    We make every effort to ensure that prices are accurate at the time of purchase. However, if an error occurs in pricing or product details, we reserve the right to cancel or amend any orders that contain pricing errors. We will inform you of any issues and offer a full refund if necessary.

  • Sales Tax:
    Sales tax is applied based on the shipping address of the order and is in compliance with local tax regulations. The sales tax amount will be calculated and added at checkout.

4. Payment Security

At HomeBina, we prioritize your privacy and security. All transactions are processed using secure payment gateways that comply with Payment Card Industry Data Security Standards (PCI DSS).

  • Encryption:
    All sensitive information, such as credit card details, is encrypted using SSL (Secure Socket Layer) encryption to protect your data during transmission.

  • Fraud Protection:
    We utilize fraud detection systems to ensure that every transaction is legitimate. If any suspicious activity is detected, we may contact you to verify your payment.

5. Payment Failures and Issues

  • Failed Payments:
    If your payment is declined or not authorized by your bank or payment provider, your order will not be processed. You will be notified immediately and provided with an opportunity to update your payment information.

  • Insufficient Funds:
    If there are insufficient funds in your account, your transaction will be declined. Please ensure that your payment method is valid and has adequate funds before attempting the purchase.

  • Payment Disputes:
    If you initiate a chargeback or dispute, it will be processed according to the payment provider’s terms. Any chargebacks that are filed without a valid reason will be subject to review, and we reserve the right to take appropriate actions, including blocking access to our website or canceling future orders.

6. Order Cancellation and Modifications

Once an order is placed, it is processed as quickly as possible. However, if you wish to cancel or modify your order, please contact us immediately. We may be able to make changes before your order is shipped, but this is not guaranteed.

  • Cancellation:
    Orders can be canceled before shipment. If you wish to cancel your order, please contact us within 24 hours of placing the order. After that time, your order may be shipped, and cancellation will not be possible.

  • Modification:
    If you wish to modify your order (e.g., change shipping address, add/remove products), please contact us as soon as possible. Modifications may not be possible once the order has been processed for shipment.

7. Payment Refunds

  • Refund Process:
    If you are eligible for a refund due to a return, cancellation, or order error, we will refund the original payment method. Refunds may take 5-7 business days to appear in your account, depending on your bank or payment provider.

  • Partial Refunds:
    In some cases, partial refunds may be issued for returned products that are opened or damaged. If applicable, the refund will be processed after inspection of the returned items.

8. Contact Information

If you have any questions or issues regarding payments, please do not hesitate to contact us:

  • Email: info@homebina.com
  • Phone: (507) 345-6485
  • Mailing Address:
    239 Moreland Ave Mankato, Minnesota

9. Changes to This Policy

HomeBina reserves the right to update or 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 periodically review this page for any updates.

By placing an order with HomeBina, you agree to the terms of this Payment Policy. We are committed to providing a secure, efficient, and transparent shopping experience.