Payment, Billing, Fraud Prevention & Order Verification Policy

Why this policy exists

More Heat More Cool is committed to providing a secure purchasing experience while protecting our customers and our business from unauthorized transactions, payment fraud, identity theft, and chargebacks.

This policy applies to purchases made through our online store.

Accepted Payment Methods

We may accept payment methods made available through our Shopify checkout, including eligible:

• Credit cards
• Debit cards
• Digital wallets
• Shop Pay
• Other approved payment methods displayed during checkout

Available payment methods may change from time to time.

Payment Authorization

Submitting an order does not guarantee acceptance or shipment.

All orders are subject to successful payment authorization and may also be subject to fraud screening and order verification before fulfillment.

We reserve the right to delay, hold, cancel, or refund an order when reasonably necessary to verify payment or protect against suspected fraud or unauthorized transactions.

Billing Information

Customers must provide accurate and complete billing information.

The billing address entered during checkout should match the billing information associated with the customer's payment method.

Customers are responsible for ensuring that their:

• Name
• Billing address
• Shipping address
• Telephone number
• Email address
• Payment information

are accurate when submitting an order.

Incorrect or inconsistent information may delay order processing.

Shipping Address

Orders may be shipped only to addresses that successfully pass our order-review and verification procedures.

A shipping address that differs from the billing address may require additional verification, particularly for high-value orders.

We reserve the right to request additional information before shipping an order to an address that differs substantially from the billing information.

Fraud Screening

Orders may be reviewed using automated and manual fraud-prevention tools.

Factors that may trigger additional review can include:

• Billing and shipping address discrepancies
• Payment verification concerns
• Unusually large orders
• Multiple payment attempts
• Multiple declined transactions
• Unusual purchasing patterns
• High-risk fraud indicators
• Requests to change the shipping address after purchase
• Expedited shipping requests associated with other risk indicators
• Other information suggesting possible unauthorized use of a payment method

A fraud-review flag does not necessarily mean that fraud has occurred.

Additional Verification

For certain transactions, particularly high-value HVAC equipment purchases, More Heat More Cool may contact the customer before releasing an order for shipment.

We may reasonably request additional information necessary to verify the order.

Customers should never send complete credit card numbers, passwords, PIN numbers, or other sensitive payment credentials by ordinary email or text message.

High-Value Orders

Orders containing HVAC systems or other high-value equipment may receive additional manual review before fulfillment.

More Heat More Cool may delay fulfillment for a reasonable period while payment and order information are verified.

We would rather briefly delay a legitimate shipment than knowingly ship equipment when substantial evidence indicates that a transaction may be unauthorized.

Orders That Cannot Be Verified

If we are unable to reasonably verify an order, we may cancel it.

If payment has already been captured, an appropriate refund will be issued to the original payment method, subject to applicable payment-provider procedures and law.

Address Changes After Purchase

For customer and payment security, shipping-address changes requested after an order is placed may require additional verification.

Once an order has entered fulfillment or has shipped, an address change may not be possible.

More Heat More Cool may require cancellation and placement of a new order rather than redirecting a high-value shipment when reasonably necessary to prevent fraud.

Payment Method Changes

For security reasons, we may require customers who wish to substantially change payment information after an order has been submitted to place a new order.

We will not request complete credit card information through ordinary email or text messaging.

Chargebacks & Payment Disputes

Customers should contact More Heat More Cool first if there is a problem with an order.

We will make reasonable efforts to investigate legitimate concerns involving incorrect merchandise, missing merchandise, shipping damage, duplicate charges, cancellations, refunds, and other order problems.

If a customer initiates a payment dispute or chargeback, we may provide the payment provider or financial institution with relevant transaction records as permitted by applicable law and our Privacy Policy.

These records may include:

• Order information
• Transaction records
• Applicable store policies
• Customer communications
• Shipment tracking
• Delivery confirmation
• Freight documentation
• Return information
• Refund records
• Other information relevant to resolving the dispute

Nothing in this policy prevents customers from exercising legitimate rights available through their payment provider or applicable law.

Refund Method

Approved refunds will generally be returned to the original payment method used for the purchase.

We generally will not redirect a refund to a different card, bank account, person, or payment method.

Processing time after a refund is issued depends upon the customer's financial institution and payment provider.

Return & Restocking Charges

Payment verification does not change our Return & Refund Policy.

Eligible customer-requested returns must comply with our return requirements.

Eligible customer-requested returns are subject to a 25% restocking fee, and the buyer is responsible for applicable return shipping and freight costs unless otherwise stated or required by law.

Taxes

Applicable taxes may be calculated and collected during checkout according to the transaction, shipping destination, and applicable tax rules.

The amount displayed at checkout may therefore vary depending upon the delivery location and products purchased.

Protecting Customer Payment Information

Payments should be processed through the secure payment services available through our Shopify checkout.

More Heat More Cool does not need customers to send complete payment-card numbers through ordinary email, SMS, or other unsecured communication methods.

Suspected Unauthorized Transaction

If you believe an order was placed using your payment information without authorization, contact us promptly and contact your financial institution or payment provider as appropriate.

Our Right to Protect Transactions

To the fullest extent permitted by law, More Heat More Cool reserves the right to refuse, hold, cancel, or refund an order when we reasonably believe doing so is necessary to prevent fraud, comply with payment-provider requirements, comply with law, or protect a customer or our business.

Contact Us

Questions regarding payments, billing, refunds, or order verification can be directed to:

• More Heat More Cool
• 180 Breaden Dr., Suite A
• Monroe, OH 45050
• Phone: 937-794-5060
• Website: moreheatmorecool.com