Payment Policy

1. Accepted Payment Methods

Tervask, LLC accepts Visa, Mastercard, American Express, Discover, Maestro, PayPal, Apple Pay, and Google Pay for eligible purchases made through tervask.com. The payment methods available to you may vary depending on your device, billing location, payment provider, and checkout configuration. All payments must be successfully authorized before an order can be processed.

2. Transaction Currency

All prices, charges, refunds, and other payment-related transactions on tervask.com are processed in United States dollars (USD). If your bank account or payment method uses another currency, your financial institution may convert the transaction into your local currency and may charge currency conversion or international transaction fees. These additional fees are determined by your bank or payment provider and are not collected or controlled by Tervask, LLC.

3. Third-Party Payment Processing

Payments are securely processed through third-party payment service providers, including Stripe and PayPal. Depending on the payment method selected, your transaction may also be processed through the relevant card network, digital wallet provider, bank, or financial institution. Tervask, LLC does not directly process or control the internal authorization procedures used by these third-party providers.

4. Payment Information and Data Security

Tervask, LLC does not store customers’ full card numbers, card verification values, bank account credentials, or digital wallet login information. Payment details are submitted directly to Stripe, PayPal, or the applicable payment provider through secure payment systems. To help protect payment transactions, tervask.com uses SSL/TLS encryption, secure HTTPS connections, payment tokenization, access controls, fraud screening, and security practices designed to support PCI DSS payment-security standards.

5. Payment Authorization, Failure, and Disputes

A payment may be declined, delayed, or canceled because of insufficient funds, incorrect billing details, an expired card, payment-provider restrictions, suspected fraud, security verification requirements, or technical problems. Customers should confirm that all payment and billing information is accurate before submitting an order. For payment disputes or chargebacks, Tervask, LLC may provide the payment provider or financial institution with relevant order records, transaction details, customer communications, shipping information, tracking records, and delivery confirmation. Customers are encouraged to contact us at [email protected] before filing a payment dispute so that we can review the matter and attempt to resolve it.

6. Refunds

Approved refunds will be returned to the original payment method used for the purchase. Refunds are generally issued within 7 business days after approval. After a refund has been processed by Tervask, LLC, additional time may be required for Stripe, PayPal, the card network, digital wallet provider, or your financial institution to post the funds to your account. Shipping charges, return costs, and other fees are refundable only when required by applicable law or as specifically stated in our Refund and Returns Policy.