Payment Policy

1. Accepted Payment Methods

This Payment Policy applies to orders placed through jorumel.com. We currently accept Visa, Mastercard, American Express, PayPal, Apple Pay, Diners, JCB, and Google Pay, as displayed at checkout. Available payment methods may vary depending on your device, browser, location, card issuer, payment provider, or checkout settings.

2. Transaction Currency

All transactions on jorumel.com are processed in Euros (EUR). If your card, bank account, or digital wallet uses another currency, your financial institution or payment provider may apply currency conversion rates, foreign transaction fees, or other charges. These additional charges are determined by your provider and are not controlled by ARMILLE SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ".

3. Payment Security

We use secure third-party payment processors to help protect payment transactions and customer information. Payment pages are protected through secure checkout connections, SSL/TLS encryption, fraud-screening tools, payment authorization checks, and restricted access controls. We do not directly collect, store, or access your full card number, CVV, full payment account password, or complete payment credentials on our servers.

4. Payment Authorization and Failed Payments

Orders must be fully paid before they can be processed, packed, or shipped under our Shipping Policy. If a payment is declined, incomplete, flagged for review, or fails authorization, the order may not be confirmed or may be delayed until payment is successfully completed. Please check that your billing information, card details, available balance, payment limits, and authentication requirements are correct before placing an order.

5. Payment Disputes and Verification

If a payment dispute, chargeback, or verification request occurs, we may use order records, payment status, customer communications, shipping information, tracking records, delivery confirmation, return records, and refund history to review and respond to the case. Customers should contact us at care@jorumel.com first if they have questions about an order, payment, delivery, damaged item, return, or refund. This helps us resolve issues clearly and consistently before a payment dispute is opened.

6. Refunds to Original Payment Method

Approved refunds are issued to the original payment method according to our Return & Refund Policy. Once approved, refunds will be processed within 7 business days, but your bank, card issuer, PayPal, Google Pay, Apple Pay, or other payment provider may require additional time to post the funds to your account. Original shipping fees are generally non-refundable unless the refund is due to our confirmed error, verified defect, damaged item, or incorrect item as required by applicable law.