Billing Terms & Conditions

At HVO Fitness, we strive to provide a seamless and secure shopping experience. By placing an order on our website, you agree to the following billing terms and conditions.

1. Accepted Payment Methods

We offer a wide variety of payment options to ensure convenience for our global customers. Currently, we accept the following methods:

• Credit/Debit Cards: Visa, Mastercard, American Express, JCB, Discover, Diners Club, Maestro, and Visa Electron.

• Digital Wallets: Apple Pay and Google Pay.

• Buy Now, Pay Later: Klarna (Available in supported regions for flexible installment payments).

2. Payment Security & Data Protection

Your financial security is our top priority. We utilize industry-standard security measures to protect your information:

• SSL Encryption: Our website uses Secure Socket Layer (SSL) technology to encrypt your personal and credit card information during the checkout process.

• PCI Compliance: All transactions are processed through secure, PCI-DSS compliant payment gateways. HVO Fitness does not store your full credit card numbers or CVV codes on our servers.

3. Currency & Pricing

• All prices are displayed in the currency selected on the storefront (USD/EUR/CAD/GBP).

• If you are purchasing from a country with a different local currency, your bank or credit card issuer may apply currency conversion fees. HVO Fitness is not responsible for these additional bank charges.

4. Order Verification & Fraud Prevention

To protect our customers from unauthorized transactions:

• We reserve the right to verify the billing information provided at checkout.

• If your billing address does not match the information on file with your bank, or if our system flags a transaction as high-risk, we may contact you for further verification or cancel the order for security purposes.

5. Sales Tax & Duties

• United States: Sales tax is applied at checkout based on the shipping destination where applicable by law.

• International: For orders to Europe and Canada, prices may include VAT/GST as required by regional regulations. Please refer to your checkout total for the final price including any applicable taxes.