Payment & Security

At TOWWIY, ensuring a secure, seamless, and trustworthy checkout experience for our art and decor collectors is our priority. This Payment & Security Policy outlines the accepted payment methods, authorization processes, checkout security measures, refund handling, and fraud prevention practices for all purchases made through towwiy.com.

Payment Methods

The payment options available for your specific order will be clearly displayed during the checkout process. These options may vary based on:

• Your geographic location
• The currency selected
• The device you are using to browse
• The total value of your order
• The active payment service providers in your region

We can only accept the payment methods actively shown at the final checkout step to complete your purchase of our sculptural pieces.

Payment Authorization

Every order placed on our store is subject to standard payment authorization, account verification, and fraud-prevention protocols. Your issuing bank, credit card network, or chosen financial institution retains the right to:

• Approve or decline the transaction
• Require secondary authentication (such as 3D Secure)
• Place a temporary hold on funds
• Enforce daily or per-transaction limits

TOWWIY has no direct control over the approval logic, hold durations, or release schedules implemented by these independent financial institutions. Should your payment be declined, we recommend verifying your billing details, contacting your card issuer, or selecting an alternative payment method.

Checkout Security

To guarantee a safe shopping environment, TOWWIY leverages Shopify as our underlying ecommerce infrastructure, alongside fully compliant third-party payment gateways. Your sensitive transaction data is securely routed through systems managed by:

• Shopify
• Certified payment processors
• Global card networks
• Registered banking institutions

While we implement industry-standard encryption and security protocols to safeguard your data, no digital transmission can be guaranteed as completely invulnerable. To maximize your personal security, we strongly advise:

• Using private, trusted Wi-Fi networks when checking out
• Safeguarding your account passwords
• Confirming you are on the official towwiy.com domain before typing payment details
• Never transmitting sensitive card numbers or CVV codes via email or chat

TOWWIY representatives will never ask you to disclose your full credit card number, CVV, or banking passwords.

Pricing and Order Total

Prior to finalizing your transaction, the checkout page will clearly summarize:

• The price of your selected sculptures
• The quantity of items
• Any applied promotional discounts
• Calculated shipping and handling fees
• Estimated taxes (where applicable)
• The final total charge

Please review these details meticulously. The final total displayed is the amount that will be authorized and captured, though your specific bank may occasionally levy separate international transaction fees outside of our control.

Currency and Foreign Exchange

By default, all product prices and transactions on towwiy.com are processed in U.S. Dollars (USD) unless the checkout explicitly indicates otherwise. If your localized payment method operates in a different currency, your bank or payment gateway will apply their own:

• Real-time currency conversion rates
• Foreign transaction surcharges
• Exchange-rate margins

TOWWIY does not determine or benefit from these exchange rates and bank-imposed fees.

Temporary Authorization Holds

When you attempt a purchase, your bank may immediately reflect a "pending" authorization hold on your statement. This hold verifies that funds are available but does not mean the money has permanently left your account. If a transaction fails or an order is canceled, the time it takes for this pending hold to drop off is entirely dictated by your bank's processing timelines.

Failed or Declined Payments

A payment may be automatically rejected by the payment gateway for several reasons, including:

• Typographical errors in the card details
• Insufficient account balance
• Bank-imposed blocks on international purchases
• Mismatched billing addresses or zip codes
• Failure to complete required security verifications
• System timeouts or network interruptions

If authorization fails, the order will not be generated. Please consult your financial institution to resolve the block before attempting the purchase again.

Duplicate or Unexpected Charges

If you suspect you have been double-charged for a single sculpture order, please check your banking app to see if one charge is merely a pending authorization (which will naturally disappear). If two completed charges appear, contact us immediately at service@towwiy.com and provide:

• Your order number
• The email used at checkout
• The exact date and amount of the transaction

For your own safety, never include your full credit card number in this email.

Discount Codes and Promotions

If you have a promotional code, it must be entered and applied before finalizing the checkout. Promotional offers are generally subject to:

• Strict expiration dates
• Minimum order values
• Specific product exclusions (e.g., limited edition pieces)
• One-time use restrictions per customer

Unless explicitly stated on the promotional banner, discount codes cannot be stacked together, exchanged for cash value, or applied retroactively to an order that has already been submitted.

Taxes and Other Charges

Any applicable sales taxes and outbound shipping costs will be calculated and displayed during the checkout process based on your destination. For cross-border shipments, your local government may assess additional:

• Customs and import duties
• Value-added taxes (VAT)
• Carrier brokerage fees

These localized charges are the sole responsibility of the buyer. Please refer to our Shipping Policy for more comprehensive details on delivery operations.

Refunds

When a refund is approved by our team, the funds are always routed back to the exact payment method used to place the original order. Once TOWWIY initiates the refund on our end, please allow standard processing time (typically 3 to 7 business days) for your bank or credit card company to post the credit to your statement. We cannot redirect refunds to alternative cards or bank accounts.

Payment Verification and Fraud Prevention

To ensure a secure marketplace, TOWWIY employs automated fraud analysis tools. We reserve the right to temporarily delay fulfillment, request identity verification, or cancel an order entirely if the system flags:

• High-risk fraud indicators
• Mismatched IP addresses and billing locations
• Unusual purchasing patterns
• Failed payment verifications

If an order is proactively canceled by our security team after a payment has been captured, a full refund will be immediately issued back to the cardholder.

Payment Privacy

The financial data you input during checkout is securely processed and shared only with necessary parties, which include:

• TOWWIY's operating team
• Shopify's secure servers
• Authorized payment processors and banks
• Fraud-prevention algorithms

For a deeper understanding of how we handle your personal data, please review our official Privacy Policy.

Account and Payment Information Security

As a customer, you share the responsibility of maintaining account security. We highly recommend utilizing complex passwords, refusing to share your login credentials, and always reviewing your order confirmation emails for accuracy. If you detect any unauthorized activity associated with your TOWWIY account, please notify our support staff immediately.