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Payment Policy

Cool Heat Direct LLC

Last Updated: 18.02.2025

This Payment Policy explains how payments are processed for orders placed on coolheatdirect.com. By completing a purchase on our Website, you agree to the payment terms outlined below.

1. Accepted Payment Methods

We accept the following secure payment options:

  • Major credit and debit cards (Visa, MasterCard, American Express, Discover)

  • Shop Pay

  • Shop Pay Installments (subject to eligibility and credit approval)

  • PayPal (if enabled at checkout)

All transactions are processed in U.S. Dollars (USD).

2. Payment Processing

Payment is required at checkout unless financing is approved through Shop Pay Installments.

✔ All sensitive financial information is securely handled by Shopify
✔ Cool Heat Direct does not store full credit card details
✔ Your financial details remain encrypted and tokenized

If authorization fails, your order may be delayed or canceled.

3. Financing Options

Financing through Shop Pay Installments may be available on qualifying orders.

  • 0% APR options for eligible customers

  • Standard APR options may apply depending on approval

  • All financing agreements are between you and Shop Pay’s lending partners

We do not control or access your financing approval details.

4. Billing Accuracy

You agree to:

  • Provide accurate billing and contact information

  • Promptly update your information if it changes

  • Ensure sufficient funds or credit availability

Improper billing details may result in delayed processing.

5. Taxes

Sales tax is applied based on:

  • Shipping destination

  • Applicable state and local tax regulations

You are responsible for any use taxes not collected at checkout.

6. Fraud & Verification

We actively monitor transactions for fraud prevention.

We may contact you for additional verification, including:

  • Identity confirmation

  • Address validation

  • Order authorization

We reserve the right to cancel suspicious or high-risk orders.

7. Chargebacks & Disputes

Before initiating a chargeback, we encourage you to contact us at:

📩 support@coolheatdirect.com

We work quickly to resolve any issues related to billing or delivery.

Fraudulent or unjustified chargebacks may result in:

  • Reversal of chargeback fees to the customer

  • Restricted future purchasing privileges

  • Debt recovery actions

8. Order Cancellations

Customer-requested cancellations are subject to our Returns & Refund Policy, and may incur:

  • Restocking fees

  • Deduction of shipping costs for items already in transit

Once an item has shipped, cancellations must be processed as a return.

9. Policy Updates

We may update this Payment Policy as needed.
Updates will be posted with a new “Last Updated” date.

10. Contact Us

For any payment-related questions:

Cool Heat Direct LLC
30N Gould Street, Sheridan, Wyoming, 82801
Email: support@coolheatdirect.com