Payment Policy

Swamiglobal Exim UG (haftungsbeschränkt)
Helmut-Käutner-Straße 21
81739 Munich
Germany

Email: info@swamiglobalexim.com
Phone: +49 155 10226817
Website: www.swamiglobalexim.com

1. Scope

This Payment Policy applies to all purchases made through the online store operated by Swamiglobal Exim UG (haftungsbeschränkt).

By placing an order through our website, you agree to the payment terms outlined in this policy.

2. Accepted Payment Methods

We currently accept one or more of the following secure payment methods:

• Visa
• Mastercard
• American Express
• Maestro
• Apple Pay
• Google Pay
• PayPal
• Shop Pay
• Bank Transfer (where available)

Available payment methods may vary depending on your country, device, or payment provider.

3. Currency

All prices displayed on our website are shown in Euro (€).

Payments must be made in Euros unless otherwise stated during checkout.

4. Value Added Tax (VAT)

All prices displayed on our website include the applicable German Value Added Tax (VAT) unless expressly stated otherwise.

Any additional charges, such as shipping fees, are clearly displayed during the checkout process before payment is completed.

5. Payment Security

Your payment security is important to us.

All online payments are processed through secure, PCI DSS-compliant payment service providers using industry-standard encryption technologies.

Swamiglobal Exim UG (haftungsbeschränkt) does not store your complete credit or debit card details on its servers.

6. Payment Authorization

Your selected payment method will be authorized at the time your order is placed.

Orders will only be processed after successful payment authorization.

If payment authorization cannot be completed, the order cannot be accepted.

7. Failed Payments

If payment authorization fails:

• Your order will not be confirmed.
• Goods will not be prepared or dispatched.
• You may choose another available payment method and place a new order.

Please ensure that your payment details are accurate and that sufficient funds are available.

8. Fraud Prevention

To protect both our customers and our business, additional identity or payment verification may be required for certain transactions.

We reserve the right to refuse or cancel orders that appear fraudulent, suspicious, or violate applicable laws.

9. Electronic Invoices

After your order has been successfully confirmed, an electronic invoice will be sent to the email address provided during checkout.

Invoices are issued in accordance with applicable German tax regulations.

10. Refund Payments

Approved refunds will generally be issued using the original payment method whenever possible.

Depending on your bank or payment provider, refund processing usually takes 5–10 business days after approval.

11. Pricing Errors

While every effort is made to ensure accurate pricing, pricing or technical errors may occasionally occur.

If an obvious pricing error is identified, Swamiglobal Exim UG (haftungsbeschränkt) reserves the right to cancel the affected order.

If payment has already been received, the full amount will be refunded promptly.

12. Promotional Discounts

Discount codes and promotional offers are subject to the following conditions:

• Cannot be exchanged for cash.
• Cannot normally be combined with other promotions unless expressly stated.
• May have an expiration date.
• May be withdrawn or cancelled in cases of misuse, fraud, or technical errors.

13. Chargebacks

If you experience any payment-related issue, we encourage you to contact our Customer Support Team before initiating a payment dispute or chargeback.

Fraudulent or abusive chargebacks may result in:

• Suspension of customer accounts
• Refusal of future orders
• Recovery of associated costs where legally permitted

14. Late or Unpaid Orders

Orders that remain unpaid will not be processed or dispatched.

For Bank Transfer payments, orders may be cancelled if payment is not received within the specified payment period.

15. Contact Information

If you have any questions regarding payments, billing, or invoices, please contact us:

Swamiglobal Exim UG (haftungsbeschränkt)

Helmut-Käutner-Straße 21

81739 Munich

Germany

Email: info@swamiglobalexim.com

Phone: +49 155 10226817

Website: www.swamiglobalexim.com

Version: 1.0

Effective Date: 29 June 2026

Applicable Law: Federal Republic of Germany