Payment Policy

This Payment Policy explains how payments, payment authorization, taxes, payment verification, cancellations, refunds, payment disputes, and related payment matters are handled when you purchase from Faithfull Furnishings.

Faithfull Furnishings is operated as a sole proprietorship based in Columbus, Nebraska, United States. The terms “Faithfull Furnishings,” “we,” “us,” and “our” refer to Faithfull Furnishings.

This Payment Policy should be read together with our Billing Terms and Conditions, Terms of Service, Refund Policy, Shipping Policy, and Privacy Policy. By submitting an order, you acknowledge and agree to the terms that apply to your purchase.

1. Currency and Service Area

All product prices, taxes, fees, refunds, and other amounts displayed or charged by Faithfull Furnishings are stated in United States dollars (USD), unless expressly stated otherwise.

Faithfull Furnishings currently accepts orders for delivery within the United States only.

Your bank, card issuer, or other payment provider may impose transaction, account, or other fees under its own terms. Any such fee imposed independently by your financial institution or payment provider is outside the control of Faithfull Furnishings.

2. Accepted Payment Methods

Faithfull Furnishings accepts the payment methods displayed during checkout. Depending on availability, these may include:

• Credit and debit cards;
• PayPal;
• Digital wallets or accelerated checkout services; and
• Buy now, pay later or installment-payment services when available.

Payment-method availability may depend on the customer’s location, eligibility, order amount, device, payment-provider requirements, and the payment services currently supported by our checkout.

Payment methods may be added, removed, or temporarily unavailable. The payment options displayed during checkout are the payment methods available for that transaction.

3. Buy Now, Pay Later and Installment Services

Buy now, pay later and other installment-payment services are provided and administered by independent third-party payment providers. Faithfull Furnishings does not directly provide consumer financing.

Approval, eligibility, payment schedules, interest or fees, credit requirements, account management, and other financing terms are determined by the applicable provider and are subject to that provider’s separate terms and privacy practices.

If Faithfull Furnishings approves a refund for a purchase made through an installment-payment service, the refund will be submitted through the applicable payment provider.

The provider may require additional processing time before the refund or account adjustment appears. Customers should continue following the provider’s payment instructions until the provider confirms that the refund or adjustment has been applied.

Nothing in this Payment Policy limits any right or protection provided by the applicable payment provider or by law.

4. Payment Authorization

By submitting an order, you represent and confirm that:

• You are authorized to use the selected payment method;
• The billing and payment information you provide is accurate and complete;
• You authorize Faithfull Furnishings and the applicable payment providers to authorize and, when applicable, capture the amount displayed during checkout; and
• You agree to pay all properly disclosed charges associated with the order.

Depending on the selected payment method, your financial institution may place a temporary authorization hold on your account. An authorization hold is not necessarily a completed charge. The duration of an authorization hold is determined by the applicable financial institution or payment provider.

5. No Unauthorized Recurring Charges

6. Prices, Taxes, and Fees

Product prices and any applicable taxes, delivery charges, or other mandatory charges will be displayed or disclosed as applicable before the customer submits the order.

Faithfull Furnishings will calculate and collect applicable sales taxes where required by law. The amount of tax may depend on the product, delivery address, and applicable state and local tax requirements.

Where Faithfull Furnishings is not required to collect a particular tax, the customer may remain responsible for any use tax or other tax obligation imposed by applicable law.

Standard shipping is free where expressly stated on our website. Any applicable delivery surcharge, remote-area charge, upgraded shipping cost, oversized-item charge, assembly charge, white-glove delivery fee, or other mandatory charge will be disclosed before the customer authorizes payment.

Faithfull Furnishings will not automatically charge a customer’s payment method for an undisclosed supplier, freight, delivery, handling, or other mandatory charge after checkout.

If an unexpected additional charge is necessary to fulfill an order, we will disclose the charge and request the customer’s express approval before processing it. If the customer declines and we cannot fulfill the order without the additional charge, the customer may cancel the affected order for a full refund.

7. Payment Processing and Security

Payments may be processed through Shopify, PayPal, installment-payment providers, banks, card networks, and other authorized third-party payment processors.

These providers maintain their own systems, security practices, terms, and privacy practices. Independent approval decisions, processing times, service interruptions, and account restrictions imposed by those providers may be outside the control of Faithfull Furnishings.

Nothing in this section excludes any responsibility or obligation that Faithfull Furnishings cannot lawfully disclaim.

8. Order Receipt and Acceptance

Receiving an order-confirmation email means that we received your order. It does not necessarily constitute final acceptance of the order or guarantee product availability or shipment.

Orders remain subject to:

• Successful payment authorization;
• Payment and identity verification;
• Fraud-prevention review;
• Supplier inventory confirmation;
• Product availability;
• Accurate pricing and product information;
• Shipping-address verification; and
• Delivery availability or applicable delivery restrictions.

Faithfull Furnishings may use third-party suppliers or fulfillment partners that store, prepare, or ship products directly to customers. Supplier inventory and availability may occasionally change after an order is submitted.

If we cannot fulfill an order after payment has been collected, we will cancel the affected order and issue a full refund to the original payment method.

9. Shipping Timeframes and Payment

Estimated processing, shipping, and delivery times may be provided on product pages, during checkout, in our Shipping Policy, or in email communications concerning the order.

Unless expressly stated otherwise, an estimated delivery date is not a guaranteed arrival date.

If we cannot ship an order within the timeframe we stated, or within the period otherwise required by applicable law when no shipment timeframe was provided, we will provide the notice and options required by applicable law.

Where required, those options may include consenting to a revised shipment timeframe or canceling the affected unshipped order and receiving a refund.

10. Payment Verification and Fraud Prevention

Faithfull Furnishings may delay, reject, or cancel an order when reasonably necessary if:

• Payment information cannot be verified;
• The transaction appears potentially unauthorized or fraudulent;
• Billing or shipping information presents a material inconsistency;
• The payment provider declines, reverses, or cannot verify the transaction; or
• Additional information is reasonably necessary to protect the customer, Faithfull Furnishings, or the integrity of the transaction.

We may contact the customer using the email address provided during checkout to verify an order or request reasonably necessary information.

Failure to provide reasonably requested verification may result in cancellation of the order. If payment has already been captured and the order is canceled, the applicable amount will be refunded to the original payment method.

11. Declined, Failed, or Reversed Payments

Faithfull Furnishings does not control whether a bank, card issuer, PayPal, installment provider, or other payment provider approves or declines a transaction.

If a payment fails, customers should verify that:

• The billing information is correct;
• Sufficient funds or available credit are available;
• The payment method has not expired;
• The financial institution permits the transaction; and
• Any required security verification has been completed.

An order requiring payment authorization will not proceed to fulfillment until the required authorization is successfully completed.

If an authorized or captured payment is later reversed, disputed, or otherwise invalidated, we may pause fulfillment, investigate the transaction, or take other reasonable action consistent with applicable law and our agreements with payment providers.

12. Pricing and Checkout Errors

We make reasonable efforts to keep product prices, discounts, taxes, delivery charges, and checkout information accurate. However, typographical, technical, supplier, or system errors may occasionally occur.

If a material pricing or checkout error affects an order before acceptance or fulfillment, Faithfull Furnishings may correct the information and contact the customer by email regarding the affected order.

The customer may approve the corrected amount or cancel the affected order for a full refund if payment has already been collected.

We will not charge a corrected or additional amount to a customer’s payment method without authorization.

Prices may change prospectively because of supplier costs, freight expenses, promotions, taxes, market conditions, or other business factors. A later price change will not retroactively increase the price of an order that has already been accepted.

13. Order Cancellations

Eligible standard, non-custom orders may be canceled free of charge before shipment.

Customers should email us as quickly as possible after deciding to cancel because fulfillment processing may begin shortly after an order is placed.

If an eligible cancellation request is received and processed before shipment, we will cancel the affected order and issue a full refund to the original payment method.

Products clearly identified before purchase as custom, personalized, specially configured, or made to order may become non-cancelable after production or supplier processing begins. Any such restriction will be disclosed before purchase.

Once an order has shipped, it can no longer be canceled. Return eligibility will instead be determined under our Refund Policy.

14. Refunds

Approved refunds will generally be issued to the original payment method used for the purchase unless another method is required by law or the applicable payment provider.

After Faithfull Furnishings submits a refund, the customer’s financial institution or payment provider may require additional processing time before the funds or account adjustment appear. Faithfull Furnishings does not control the provider’s processing time.

Refunds involving PayPal, buy now, pay later services, or another third-party payment method will be submitted through the applicable payment provider.

Return eligibility, customer-remorse return shipping charges, applicable restocking fees, damaged-product claims, and product-specific return restrictions are governed by our Refund Policy and applicable law.

Customers will not be charged return shipping or restocking fees when a return is required because the wrong product was delivered or because the product arrived damaged, defective, incomplete, or materially different from what was ordered, subject to reasonable reporting and documentation requirements stated in our Refund Policy.

15. Payment Disputes and Chargebacks

If you believe a charge is incorrect, unauthorized, duplicated, or connected to an unresolved order problem, please email Faithfull Furnishings promptly so we can investigate the matter.

Contacting Faithfull Furnishings first may allow an issue to be resolved more quickly, but it does not eliminate, restrict, or waive any lawful billing-dispute or chargeback right provided by the customer’s financial institution, payment provider, or applicable law.

If a payment dispute or chargeback is submitted, Faithfull Furnishings may provide relevant transaction records, email communications, order information, delivery records, photographs, verification information, or other appropriate evidence to the applicable payment provider.

Customers must not knowingly provide materially false information or fraudulent documentation in connection with a payment dispute.

16. Changes to This Payment Policy

Faithfull Furnishings may update this Payment Policy when our payment methods, business practices, service providers, or legal obligations change.

Updates will apply prospectively and will be posted with a revised “Last Updated” date.

An update will not retroactively increase the amount owed for an order that we have already accepted unless the customer expressly approves the change or applicable law requires otherwise.

17. Governing Law

To the extent permitted by law, this Payment Policy is governed by the laws of the State of Nebraska and applicable federal law.

Nothing in this Payment Policy limits any consumer protection, billing-dispute right, refund right, or other legal right that cannot lawfully be waived.

18. Severability

If any provision of this Payment Policy is found to be invalid or unenforceable, that provision will be limited or removed only to the extent necessary. The remaining provisions will continue in effect to the extent permitted by law.

19. Contact Information

For questions concerning payments, charges, order verification, cancellations, refunds, or payment disputes, contact Faithfull Furnishings by email: