Summary

1. Accepted Payment Methods

Topulight accepts the following payment methods for purchases made through topulight.com:

2. Venmo

Topulight accepts Venmo as an online payment method.

Customers choosing Venmo complete payment through the secure checkout payment process.

A valid Venmo account and successful payment authorization are required to complete a Venmo transaction.

Venmo transactions may also be subject to the applicable terms, security procedures, and account requirements of Venmo and its payment-processing services.

Topulight will never ask customers to send a Venmo payment directly to an employee, individual, or personal Venmo account outside our official checkout process.

3. PayPal

Topulight accepts PayPal.

Customers choosing PayPal complete authentication and payment authorization through the secure PayPal payment process.

A successful PayPal authorization is required before the applicable order can be processed.

4. Apple Pay

Topulight accepts Apple Pay.

Customers using Apple Pay authorize their payment through the security and authentication methods provided by their supported Apple device and payment account.

The underlying payment card or account must be valid and authorized for the transaction.

5. Google Pay

Topulight accepts Google Pay.

Customers using Google Pay authorize payment through their applicable Google Pay account and supported payment method.

The transaction must be successfully authorized before the order can be processed.

6. Shop Pay

Topulight accepts Shop Pay.

Shop Pay allows eligible customers to complete checkout using payment and shipping information associated with their Shop Pay account.

Customers remain responsible for confirming that the billing, shipping, and payment information presented during checkout is accurate before completing the purchase.

7. Payment Currency

All product prices and order charges on topulight.com are stated and processed in U.S. Dollars (USD).

Customers can review the applicable currency and complete order total before submitting payment.

Topulight does not charge customers a currency-conversion fee.

If a bank, card issuer, or payment provider independently converts currency or charges a foreign transaction or conversion fee, that charge is imposed by the third party and is not collected or controlled by Topulight.

8. Product Pricing

The price displayed for each product on topulight.com represents the applicable product price before any applicable sales tax and shipping charge.

Before payment is completed, customers can review:

• Product price
• Quantity
• Applicable discount
• Standard shipping charge
• Applicable sales tax
• Final order total

Topulight does not intentionally add undisclosed mandatory charges after the customer submits the order.

9. Shipping Fee

Topulight charges a flat $6.99 USD standard shipping fee per order.

The shipping charge applies to the entire eligible order and is not calculated separately for each jewelry item.

The $6.99 shipping fee does not vary based on:

• Order value
• Number of products
• Product price
• Package weight
• Eligible U.S. delivery location

Topulight currently ships only within the United States.

10. Taxes

Applicable sales tax on merchandise is calculated and collected at checkout where required by law.

The applicable amount may depend on the customer's delivery destination and relevant state or local tax requirements.

Topulight does not charge tax on the $6.99 standard shipping fee under our stated shipping terms.

Any applicable product tax is displayed during checkout before payment is completed.

11. No Hidden Payment Fees

Topulight does not charge an additional payment-processing fee for using an accepted payment method.

The following Topulight charges are:

• Payment processing fee: $0
• Payment-method surcharge: $0
• Currency conversion fee charged by Topulight: $0
• Cancellation fee: $0
• Restocking fee: $0

Your bank, card issuer, PayPal, Venmo, or another financial institution may independently impose fees under its own agreement with you. Such third-party charges are not imposed or collected by Topulight.

12. Payment Authorization

Payment must be successfully authorized before an order can be fulfilled.

When customers submit an order, the payment transaction may be verified by the applicable payment processor, bank, card issuer, or digital-wallet provider.

Verification may include:

• Payment-account validity
• Available funds or credit
• Billing information
• Transaction authorization
• Security verification
• Fraud-prevention checks

If payment cannot be successfully authorized, the order may not be completed or fulfilled.

13. Payment Declines

A transaction may be declined by a payment provider or financial institution for reasons including:

• Incorrect payment information
• Incorrect billing address
• Expired card
• Insufficient funds or available credit
• Account restrictions
• Security verification failure
• Fraud-prevention controls
• Issuer restrictions

Topulight does not control the approval or decline decision made by a customer's bank, card issuer, or payment provider.

If payment is declined, customers should verify their payment information or contact the applicable financial institution.

14. Payment Security

Topulight uses secure payment-processing services to facilitate online transactions.

Payment information may be processed by authorized third-party payment providers using their respective security systems.

Topulight does not intentionally store complete card security codes or complete payment-card credentials on its own systems when those details are handled directly by the applicable payment processor.

Customers should never send the following information to Topulight by email:

• Complete credit or debit card number
• CVV or CVC security code
• Online banking password
• PayPal password
• Venmo password
• Apple account password
• Google account password
• Shop Pay authentication code
• One-time payment verification code

15. Billing Information

Customers are responsible for entering accurate billing and payment information during checkout.

Depending on the selected payment method, required information may include:

• Cardholder or account holder name
• Billing address
• Billing ZIP Code
• Payment credentials
• Other information required for payment authorization

Incorrect or incomplete billing information may result in a declined or delayed transaction.

16. Order Confirmation

After an order has been successfully submitted, customers may receive an order confirmation using the email address provided during checkout.

The confirmation may contain:

• Order number
• Products purchased
• Quantity
• Product prices
• Discounts
• Shipping charge
• Applicable tax
• Final order total

Customers should review their order information and promptly contact support@topulight.com if they identify an error.

17. Pending Payment Authorizations

A bank, card issuer, or digital-wallet provider may temporarily display a payment authorization as pending.

A pending authorization does not necessarily mean that the customer has been charged multiple times.

The timing for releasing or completing a pending authorization may depend on the customer's financial institution.

If you believe you have been incorrectly charged, contact support@topulight.com with your order number and relevant transaction information.

Do not send complete payment-card information by email.

18. Duplicate Charges

If you believe the same Topulight order has been charged more than once, contact:

support@topulight.com

Please provide:

• Your full name
• Order number
• Date of the transaction
• Amount charged
• Payment method used
• A description of the issue

Do not provide complete card numbers, security codes, passwords, or authentication codes.

We will review the applicable Topulight transaction records and provide assistance based on the results of that review.

19. Failed or Incomplete Payments

An order cannot be fulfilled when required payment has not been successfully authorized.

If payment fails, customers may submit payment again using an accepted payment method.

An unsuccessful payment attempt does not guarantee that inventory will remain reserved.

20. Fraud Prevention and Verification

For the protection of customers and our store, transactions may be subject to reasonable fraud-prevention and security checks.

An order may be held, declined, or canceled if:

• Payment authorization fails
• Payment information cannot reasonably be verified
• The transaction appears unauthorized
• Fraud indicators are detected
• The transaction violates applicable law
• Fulfillment would create a material security risk

If Topulight cancels an order after payment has been successfully collected, the applicable amount will be refunded to the original payment method.

21. Order Cancellations

Customers should contact support@topulight.com as soon as possible if they wish to request cancellation.

Cancellation requests are subject to the order's fulfillment status.

Topulight charges:

Cancellation Fee: $0

If an order is successfully canceled before shipment after payment has already been collected, the applicable amount will be refunded to the original payment method.

For a complete cancellation before shipment, this includes the applicable product amount, taxes collected, and the $6.99 shipping charge if it was already collected.

Complete requirements are provided in our Order Cancellation & Change Policy.

22. Returns

Eligible jewelry may be returned within 30 days of delivery under our Return & Refund Policy.

For approved eligible returns:

• Return shipping is free.
• A prepaid return shipping label is provided by email.
• Customers download and print the return label.
• Restocking fee is $0.
• Returns are made by mail.

The designated return address is:

Customers should obtain return approval and instructions before sending a return.

23. Refunds

After an eligible returned product has been received, inspected, and approved, Topulight processes the applicable refund within 7 business days.

Refunds are issued to the original payment method used for the order.

Examples include:

• Visa payment → refund to the original Visa payment method
• Mastercard payment → refund to the original Mastercard payment method
• American Express payment → refund to the original American Express payment method
• PayPal payment → refund through the original PayPal transaction
• Venmo payment → refund through the original Venmo transaction
• Apple Pay payment → refund to the payment method associated with the original Apple Pay transaction
• Google Pay payment → refund to the payment method associated with the original Google Pay transaction
• Shop Pay payment → refund to the payment method associated with the original Shop Pay transaction

After Topulight processes a refund, the customer's bank, card issuer, or payment provider may require additional time to post the credit.

24. Original Shipping Fee on Returns

For an ordinary eligible return based on customer preference or change of mind, the original $6.99 USD shipping charge is non-refundable.

Approved return shipping is free.

If a return results from an error attributable to Topulight, such as an incorrect item, or if applicable law requires otherwise, the original shipping charge will be refunded where applicable.

25. Chargebacks and Payment Disputes

If you believe there is a problem with a transaction, you may contact support@topulight.com so we can review the order and payment records.

Nothing in this policy prevents customers from exercising rights available through their bank, card issuer, payment provider, or applicable law.

When responding to a payment dispute, Topulight may provide relevant transaction information, order records, shipping records, delivery information, return information, and customer communications to the applicable payment provider where reasonably necessary.

26. Payment Information and Privacy

Payment-related information is handled in accordance with our Privacy Policy.

Information may be processed as reasonably necessary to:

• Process transactions
• Verify payments
• Prevent fraud
• Fulfill orders
• Process cancellations
• Process returns
• Issue refunds
• Maintain transaction records
• Provide customer support
• Meet applicable tax, accounting, and legal obligations

Third-party payment providers may also process information according to their own privacy policies and legal obligations.

27. Customer Responsibilities

Before submitting payment, customers are responsible for reviewing:

• Selected products
• Product options and sizes
• Quantity
• Billing information
• Shipping address
• Shipping fee
• Applicable taxes
• Discounts
• Final order total

By completing checkout, the customer authorizes the applicable charge to the selected payment method.

28. Related Policies

This Payment Methods Policy should be read together with the following Topulight policies:

• Terms of Service
• Shipping Policy
• Return & Refund Policy
• Order Cancellation & Change Policy
• Privacy Policy
• Cookie Policy

These policies provide additional information regarding purchases, shipping, cancellations, returns, refunds, and personal information.

29. Consumer Rights

Nothing in this Payment Methods Policy is intended to exclude, restrict, or override consumer rights that cannot legally be excluded or limited.

Where applicable law provides mandatory payment, refund, dispute, or consumer-protection rights beyond the terms stated in this policy, those mandatory rights will continue to apply.

30. Contact Information

For payment, billing, refund, or transaction-related questions, contact:

Topulight

Website: topulight.com

Email: support@topulight.com

Address: 80 S Olmstead Ln, Ridgefield, CT 06877-5529, United States

Support Hours: Monday–Saturday, 8:00 AM–7:00 PM Eastern Time (ET)

Ridgefield, Connecticut observes Eastern Time (ET), including Eastern Standard Time (EST, UTC−5) and Eastern Daylight Time (EDT, UTC−4), as applicable throughout the year.