Payment Policy Last updated: September 16, 2026 This Payment Policy explains how payments are handled for orders placed with nova-q. We aim to provide US customers with a secure, transparent, and reliable checkout experience. Payment must be successfully authorised before an order can be processed and dispatched. This policy should be read together with our Terms and Conditions, Shipping and Delivery Policy, Returns and Refunds Policy, and Privacy Policy. Nothing in this policy excludes, restricts, or limits any statutory consumer right that cannot lawfully be excluded, restricted, or limited. 1. Accepted Payment Methods We may accept the following payment methods when they are displayed at checkout: Visa Mastercard Maestro American Express JCB Diners Club Discover, where available Digital wallets and other payment methods displayed at checkout The payment methods displayed at checkout are the methods currently available for your order, location, currency, and device. Availability may vary depending on the payment provider or card issuer. We do not add a surcharge for the use of an eligible consumer credit card, debit card, or other payment method where such a surcharge is prohibited by applicable US law. 2. Payment Authorisation and Verification When you place an order, your bank, card issuer, or payment provider may authorise, capture, review, or decline the transaction. These checks help protect customers, payment providers, and nova-q against unauthorised or fraudulent transactions. We may request additional verification, delay processing, or cancel an order if the payment appears to be: Unauthorised, suspicious, or potentially fraudulent Incomplete or inconsistent with the billing information Unable to be verified by the payment provider Flagged by fraud-prevention systems High-risk under applicable card-network or payment-provider rules We will not normally process an order until payment has been successfully authorised. If an order is cancelled because payment cannot be verified, any payment already captured will be refunded to the original payment method. 3. Strong Customer Authentication For transactions subject to applicable payment requirements, your bank or card issuer may require Strong Customer Authentication. You may be asked to complete an additional verification step, such as: A one-time passcode Approval through your banking application Biometric verification Another security method supplied by your bank or payment provider If required verification is not completed, the transaction may be declined and the order may not be processed. 4. Billing Information You must provide accurate and complete billing, delivery, contact, and payment information when placing an order. An order may be delayed, placed on hold, or cancelled if: The billing address cannot be verified The cardholder information does not match the payment method The payment status cannot be confirmed The billing or delivery information is incomplete Additional verification is required by the payment provider To reduce payment delays, ensure that your billing address matches the address registered with your bank or card issuer. 5. When Payment Is Charged Payment may be authorised or captured when you submit your order, depending on the payment method and provider used. Your order will normally enter processing only after payment has been successfully authorised. A temporary authorisation hold may appear on your account even if an order is later declined or cancelled. An authorisation hold is not necessarily a completed charge. The time required to release a pending authorisation is determined by your bank, card issuer, or payment provider. 6. Payment Security Payments are processed using secure third-party payment gateways and checkout providers. Payment information is handled according to the security standards applied by the relevant payment provider. We do not request complete card numbers, card security codes, banking passwords, or one-time verification codes through ordinary email or Customer Support communications. Our website uses encrypted connections and reasonable technical and organisational measures to protect personal and payment information during transmission. For your protection: Keep your account password and payment information confidential Do not share checkout verification codes with anyone Do not send complete card information by email or contact form Only make payments through the official nova-q checkout Contact your bank immediately if you notice an unauthorised transaction 7. Failed, Declined, or Reversed Payments If a payment is declined, expired, reversed, or otherwise not completed, the order may not be processed or dispatched. If your payment is declined, please: Confirm that your card has not expired Check that online and international transactions are enabled Ensure that sufficient funds or available credit are available Confirm that your billing information is correct Complete any verification requested by your bank Try another payment method displayed at checkout Your bank or card issuer may be able to provide the specific reason for a declined authorisation. nova-q cannot override a decision made by your bank, card issuer, payment network, or payment provider. 8. Currency and Exchange Rates The order currency and total amount payable will be displayed at checkout before you complete your purchase. Prices presented specifically to US customers will normally be displayed in US dollars unless another currency is clearly selected or displayed. If your bank account or payment card uses a different currency, your bank or card issuer may apply its own exchange rate or foreign-transaction fee. These charges are imposed by your financial institution and are outside nova-q's control. We will not add an undisclosed currency-conversion charge after you complete checkout. 9. Taxes, Duties, and Additional Charges The product price, applicable taxes, delivery charges, and total amount payable will be displayed before you submit your order. Prices displayed to US consumers will include applicable sales tax where required and where we are responsible for collecting it. Products may be dispatched from outside the United States. Any mandatory customs duty, import tax, or handling charge that you must pay will be disclosed before purchase where required by applicable law. We will not add an undisclosed mandatory charge after checkout. 10. Refunds to the Original Payment Method Eligible refunds will normally be issued using the original payment method unless you expressly agree otherwise. We will not charge a fee for issuing an eligible refund. Refunds are processed in accordance with our Returns and Refunds Policy and applicable US consumer law. For returned products following a valid statutory cancellation, we will issue the refund without undue delay and no later than 14 days after: The day on which we receive the returned products, or The day on which you provide evidence that the products were sent back, if this occurs earlier If no products were supplied, we will issue the refund no later than 14 days after the day on which you informed us of the cancellation. We may withhold a change-of-mind refund until we receive the returned products or you provide evidence that they were sent, whichever occurs first. After we issue a refund, your bank, card issuer, or payment provider may require additional processing time before it appears in your account. If more than 14 business days have passed since we confirmed that your refund was issued, contact us with your order number. 11. Refunds for Orders Cancelled by nova-q If nova-q cancels an order after payment has been collected, the amount charged for the cancelled products and any applicable delivery charges will be refunded to the original payment method. If payment was authorised but not captured, any pending authorisation will normally be released by the payment provider or card issuer. The time required for a released authorisation to disappear from your account may vary depending on your financial institution. 12. Duplicate or Incorrect Charges If you believe you have been charged more than once or charged an incorrect amount, contact us with: Your full name Your order number The date and amount of each relevant charge A screenshot with complete card numbers, account numbers, and other sensitive information hidden Do not email us complete card or bank-account information. 13. Payment Disputes If you believe a payment, charge, or refund was handled incorrectly, contact us at support@nova-q.shop so that we can investigate and attempt to resolve the issue. Contacting us first may allow the matter to be resolved more quickly. This does not limit your right to contact your bank, card issuer, payment provider, or an appropriate consumer-protection organisation. 14. Gift Cards and Promotional Vouchers nova-q may offer gift cards, discount codes, or promotional vouchers from time to time. Any applicable conditions, validity periods, minimum order values, or product exclusions will be displayed when the offer is provided. Gift cards and promotional vouchers cannot normally be exchanged for cash and may be non-refundable, except where required by applicable law. Nothing in this section removes any refund or cancellation right that applies under US consumer law. 15. Payment Fraud Warning nova-q will not ask you to make payment to an unofficial bank account, personal payment link, cryptocurrency wallet, or third-party account that is not displayed during the official checkout process. We will never ask you to disclose your complete card number, card security code, banking password, or one-time verification code by email or telephone. If you receive a suspicious message claiming to represent nova-q, do not send payment or disclose sensitive information. Contact us using the official details below. 16. Contact Us If you have a question about payment authorisation, a failed transaction, a duplicate charge, a refund, or an order payment, contact us: Store name: nova-q Email: support@nova-q.shop Telephone: 3152755675 Business address: 105 Dabney Ave, Bessemer, Alabama 35020, United States Customer Support response time: Normally within 1 to 3 business days When contacting us about an order, include your order number and the email address used at checkout. Do not include your complete card number, card security code, banking password, or one-time verification code. 17. Changes to This Policy We may update this policy to reflect legal, regulatory, operational, or payment-service changes. The version in effect when you placed your order will normally apply to that order unless a change is required by law or is more favourable to you. 【Refund Policy】 Last updated: September 16, 2026 nova-q accepts return or refund requests for items that arrive damaged, defective, incorrect, or materially not as described. A request must be submitted within 30 days after confirmed delivery. Eligible Issues The item arrived damaged in transit The item is defective or cannot be used as described The item received is different from the item ordered The item is materially different from its product-page description Items and Situations Not Eligible Change-of-mind, buyer's-remorse, or personal-preference returns, except where a statutory cancellation right applies A customer selected the wrong product, flavor, size, or quantity Opened, consumed, used, altered, emptied, contaminated, or customer-damaged items, unless the condition is directly related to an eligible reported defect Returns sent without prior authorization Nothing in this policy limits rights that cannot be waived under applicable consumer law. How to Request a Return or Refund Email support@nova-q.shop within 30 days after delivery. Include the order number, checkout email address, a description of the issue, and clear photos or video of the product and packaging. Do not send an item until return instructions are issued. Return Shipping and Fees For an approved damaged, defective, incorrect, or materially not-as-described claim, nova-q will provide return instructions and, when a physical return is required, a prepaid return label or reimbursement for the approved return-shipping cost. No restocking fee is charged for an approved eligible claim. Approved returns are sent to: nova-q Returns 105 Dabney Ave Bessemer, AL 35020 United States Inspection and Resolution After an approved return is received, we inspect it against the reported issue. An approved claim may be resolved with a refund, replacement, or another solution accepted by the customer and permitted by law. A claim may be denied if the returned item does not match the order or approved reason, or if requested evidence is not provided. Refund Timing Approved refunds are issued to the original payment method within 5 business days after approval or inspection. Banks and card issuers may require an additional 5 to 10 business days to post the credit. We do not control financial-institution processing times. Contact Email: support@nova-q.shop Phone: 3152755675