Payment Policy

In this Payment Policy, the following terms shall have the meanings assigned to them:

• Company: Refers to Onviqa Incorporation, the parent company of Kloira.
• Customer: Refers to any individual or entity that purchases products from Kloira.
• Payment Methods: Refers to the various options available for making payments for purchases on the Kloira website.
• High-Value Purchases: Refers to any order exceeding $5,000.

Kloira offers a variety of secure payment methods to accommodate our customers. You can choose from the following:

• Credit/Debit Cards: We accept major credit and debit cards including Visa, Mastercard, American Express, and Discover.
• PayPal: A trusted payment option allowing for secure transactions.
• Shop Pay: For a seamless checkout experience.
• Apple Pay / Google Pay: Quick and secure mobile payment options.
• Buy Now Pay Later: Options through Affirm, Klarna, or Afterpay; third-party terms apply.
• Wire Transfer: Available for orders over $5,000; instructions will be provided upon request.
• Cryptocurrency: Payments accepted in Bitcoin and Ethereum, with a 3% cashback offer.
• Zelle: Cashless payment option with a 2% cashback offer.

Your security is our top priority. Kloira utilizes SSL encryption to protect your personal and payment information during transactions. Furthermore, we are compliant with PCI DSS standards, ensuring that all credit card transactions are processed securely. We implement robust fraud detection systems to monitor and prevent unauthorized transactions.

We encourage our customers to regularly monitor their bank statements and report any suspicious activity to their financial institution. If you suspect any fraudulent activity, please contact us immediately.

All prices displayed on the Kloira website are in U.S. Dollars (USD). Any transactions made in other currencies will be converted at the current exchange rate determined by your payment provider. Please note that any additional fees imposed by your bank or payment provider are the responsibility of the customer.

Payment is charged at the time of order placement. By completing your purchase, you authorize Kloira to charge the total order amount to your selected payment method. If your payment fails or is not authorized, your order will not be processed, and you will be notified accordingly.

When you place an order, Kloira will perform a pre-authorization on your selected payment method to ensure that sufficient funds are available. This may result in a temporary hold on your funds. The actual capture of funds will occur once your order is confirmed and ready for shipment. If your order is canceled or modified, any pre-authorized funds will be released according to your financial institution's policies.

Kloira offers Buy Now Pay Later options through third-party services such as Affirm, Klarna, and Afterpay. These services allow you to split your purchase into manageable payments. Please note that the terms, including interest-free periods, are governed by the respective third-party provider and will be provided during the checkout process. Kloira is not responsible for any agreements or disputes that arise from these transactions.

For high-value purchases exceeding $5,000, customers may opt to pay via wire transfer. Upon selection of this payment method, detailed instructions will be provided. To ensure a secure transaction, customers must verify their identity through a secondary confirmation step. Please note that orders paid via wire transfer will be processed only after the funds are received and verified by Kloira.

Kloira accepts payments in Bitcoin and Ethereum. To pay via cryptocurrency, select the option at checkout and follow the provided instructions. A 3% cashback will be credited to your account upon successful completion of your transaction. Please ensure that you provide the correct wallet address, as we cannot recover funds sent to an incorrect address. Confirmation of your payment will be sent via email once the transaction is verified.

Payments via Zelle are accepted for transactions on our website. To utilize this option, you must have a Zelle account linked to your bank account. After selecting this payment method, you will receive instructions for sending the payment. A 2% cashback offer will apply to all Zelle transactions. Kloira will verify the payment before processing your order, and you will receive confirmation once your payment is complete.

If a payment fails, Kloira will notify you promptly via email. You may be required to provide a different payment method to complete your order. If the payment issue remains unresolved within 48 hours, Kloira reserves the right to cancel the order. Customers can contact our support team for assistance in resolving payment issues.

In the event of a payment dispute, such as a chargeback or fraud claim, Kloira requires all claims to be submitted in writing. We will investigate the issue and respond to you within 7 business days. Please note that fraudulent claims may result in legal action. Customers are encouraged to resolve any disputes directly with Kloira before initiating chargebacks with their banks.

Kloira may offer promotional codes and discounts that can be applied during checkout. These codes are subject to specific terms and conditions. Please be aware that promotional codes cannot be combined with other offers unless explicitly stated. Discounts may exclude certain items or categories, and are not applicable to prior purchases. Ensure you check the validity and expiration dates of promotional codes before applying them.

Kloira offers gift cards that can be purchased and redeemed on our website. Gift cards are non-refundable and cannot be exchanged for cash. To check your gift card balance, please visit our website or contact our customer service team. Gift cards must be used within the specified validity period, and any remaining balance after that period will be forfeited.

Kloira is required to collect sales tax on orders based on the shipping address provided by the customer. The applicable tax rate will be calculated during the checkout process and will be included in the total order amount. Customers are responsible for any additional taxes or fees imposed by their local jurisdiction.

Upon successful completion of your order, Kloira will send an automatic email containing your invoice and receipt. This document will include details of your purchase, payment method, and applicable taxes. Please retain this document for your records. If you do not receive your invoice within a reasonable timeframe, please contact our customer support for assistance.

If you have any questions or concerns regarding your payment, please reach out to us at [email protected]. Our customer service team is available to assist you with any inquiries related to payment methods, issues, or disputes.

This Payment Policy shall be governed by and construed in accordance with the laws of the State of California, United States. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts located within California.