Payment policy

  

1. Scope & Agreement

This Payment Policy governs all financial transactions conducted through myoralux.com and constitutes a binding agreement between the customer (“You,” “Your”) and HCZM Trading, INC. d/b/a Oralux (“We,” “Us,” “Our”). By initiating a purchase, providing payment information, or completing a transaction on our website, You acknowledge that You have read, understood, and agree to be bound by the terms of this policy. This policy should be read in conjunction with our Shipping Policy, Cancellation & Refund Policy, 90-Day Money-Back Guarantee, Terms of Service, and Privacy Policy.

 

2. Accepted Payment Methods

We currently accept the following payment methods:

•   Visa

•   Mastercard

•   American Express

•   Maestro

•   PayPal

•   Apple Pay

•   Google Pay

•   Shop Pay

Oralux reserves the right to add, remove, or modify accepted payment methods at any time without prior notice. The availability of specific payment methods may vary by region and is subject to third-party payment processor availability. We do not accept cash, checks, money orders, wire transfers, cryptocurrency, or any payment method not explicitly listed above.

 

3. Pricing, Currency & Taxes

3.1 Pricing

All prices displayed on myoralux.com are listed in United States Dollars (USD) unless otherwise stated. Prices are subject to change at any time without prior notice. The price in effect at the time You complete your purchase is the price that will be charged. Promotional pricing, discount codes, and special offers are valid only for the period and under the conditions specified at the time of the promotion and may be withdrawn at any time.

While we make every effort to ensure pricing accuracy, errors may occur. Oralux reserves the right to correct any pricing errors and to cancel or refuse any order placed at an incorrect price, even after an order confirmation has been sent. In the event of a pricing error, we will notify You and offer the option to proceed at the correct price or cancel the order for a full refund.

3.2 Taxes

Applicable sales taxes, value-added taxes (VAT), goods and services taxes (GST), or other government-imposed taxes will be calculated and added to Your order total at checkout based on the shipping destination. It is the customer’s sole responsibility to comply with all applicable tax obligations in their jurisdiction. Oralux is not responsible for determining or advising on the customer’s individual tax liability.

3.3 Currency Conversion & Foreign Transaction Fees

For international orders, Your bank or payment provider may convert the USD transaction amount into Your local currency at an exchange rate determined by Your financial institution. Any currency conversion fees, foreign transaction fees, or cross-border processing fees imposed by Your bank, credit card company, or payment provider are the sole responsibility of the customer. Oralux has no control over these fees and is not liable for any additional charges applied by third parties.

 

4. Payment Authorization & Processing

4.1 Authorization Hold

When You place an order, an authorization hold for the full purchase amount will be placed on Your selected payment method. This is a temporary hold to verify the card’s validity and confirm that sufficient funds are available. The authorization hold is not a charge. The hold amount may appear as “pending” on Your statement. Authorization holds are released by Your financial institution according to their own policies and timelines, which are outside Oralux’s control.

4.2 Final Charge

The final charge to Your payment method will be processed once Your order has been packed and is ready for shipment. The charged amount will reflect the order total at checkout, including product prices, applicable taxes, and shipping fees. If the final charge differs from the authorization hold (e.g., due to partial fulfillment, item unavailability, or price adjustment), the authorization for the remaining balance will be released.

4.3 Order Confirmation

An order confirmation email will be sent upon successful processing of Your payment. This confirmation acknowledges receipt of Your order and does not constitute acceptance, guarantee of availability, or a binding contract to fulfill the order. Oralux reserves the right to cancel any order after confirmation has been sent, in which case a full refund will be issued.

4.4 Payment Failures

If Your payment is declined, the order will not be processed. Oralux is not responsible for investigating or resolving payment declines. Common causes include insufficient funds, incorrect card details, expired payment methods, bank-imposed security holds, or transaction limits. It is the customer’s responsibility to contact their financial institution to resolve payment issues before reattempting the purchase.

Oralux reserves the right to cancel orders where payment cannot be successfully captured within forty-eight (48) hours of the order being placed, even if an initial authorization was obtained.

 

5. Payment Security & Fraud Prevention

5.1 Secure Processing

All payment transactions are processed through PCI DSS-compliant payment gateways using industry-standard encryption (SSL/TLS) to protect Your personal and financial information during transmission. Oralux does not directly store, process, or retain Your full credit card number, CVV, or other sensitive payment credentials on our servers. Payment data is handled exclusively by our third-party payment processors in accordance with their own security policies and compliance standards.

5.2 Identity Verification

To protect against unauthorized transactions and fraud, Oralux and/or our payment processors may require additional identity verification before processing a payment. This may include, but is not limited to:

•   Address Verification System (AVS) checks to confirm the billing address matches the address on file with the card issuer.

•   Card Verification Value (CVV) validation.

•   3D Secure authentication (such as Visa Secure or Mastercard Identity Check).

•   Manual review of orders that trigger fraud-detection criteria.

•   A request for government-issued photo identification or other documentation to verify the cardholder’s identity.

Failure to complete or pass verification may result in the order being delayed, modified, or cancelled. Oralux will not be liable for any inconvenience, delay, or loss arising from fraud prevention measures.

5.3 Fraud Detection & Order Refusal

Oralux employs automated and manual fraud detection systems to identify potentially fraudulent transactions. We reserve the right, at our sole discretion, to:

•   Decline, cancel, or reverse any transaction that we reasonably believe to be fraudulent, unauthorized, or in violation of this policy.

•   Limit order quantities, refuse service, or restrict purchases to certain payment methods, regions, or customer accounts.

•   Place a temporary hold on order processing pending fraud review.

•   Report suspected fraud to law enforcement, financial institutions, fraud prevention networks, and any other relevant authorities.

•   Share transaction data with law enforcement and payment processors as required by law or as necessary to investigate fraud.

Oralux shall not be liable for any loss, damage, or inconvenience arising from the cancellation or delay of an order due to suspected fraud, even if the order is later determined to have been legitimate.

 

6. Subscriptions & Recurring Billing

6.1 Subscription Enrollment

Certain products or offers on myoralux.com may include an optional subscription plan for recurring product shipments or a membership program providing discounts or benefits. Subscriptions are entirely optional and require Your affirmative, express consent during checkout (e.g., via a clearly labeled checkbox or button that is not pre-selected). No customer will be enrolled in a subscription without their explicit agreement.

Upon enrollment, You will receive a confirmation email summarizing the subscription terms, including the recurring charge amount, billing frequency, and instructions for cancellation. It is the customer’s responsibility to review this confirmation and contact us immediately if any details are incorrect.

6.2 Billing Cycle & Charges

If You enroll in a subscription, Your selected payment method will be automatically charged at the interval specified on the checkout page (the default billing cycle is every 28 days, unless otherwise stated). Products associated with the subscription will be shipped automatically on the same schedule. The recurring charge will be the amount displayed and confirmed at checkout, plus applicable taxes and shipping fees.

By enrolling in a subscription, You authorize Oralux to charge Your payment method on a recurring basis at the specified interval until the subscription is cancelled. This authorization remains in effect until You cancel the subscription in accordance with Section 6.5.

6.3 Price Changes

Subscription pricing is subject to change. If the recurring charge amount will increase for future billing cycles, Oralux will provide notice via email at least fourteen (14) calendar days before the new price takes effect. Continued enrollment after the price change notification constitutes acceptance of the new pricing. If You do not agree to the updated price, You must cancel the subscription before the next billing date to avoid being charged at the new rate.

6.4 Free Trials

Some subscription offers may include a free or discounted trial period (e.g., 14 days). At the end of the trial period, Your payment method will be automatically charged the full subscription amount unless You cancel before the trial ends. You will receive an email reminder before the trial period concludes. It is the customer’s sole responsibility to cancel before the trial expires if they do not wish to continue. Charges incurred after a trial period due to failure to cancel are non-refundable, except as required by applicable law.

6.5 Cancellation of Subscriptions

You may cancel Your subscription at any time. Cancellation will take effect for the next billing cycle, provided the cancellation request is received at least twenty-four (24) hours before the next scheduled charge or shipment date. Cancellation requests received within 24 hours of the next billing date may not prevent the upcoming charge, in which case cancellation will apply to the following cycle.

To cancel a subscription, You may use any of the following methods:

•   Log into Your account at myoralux.com and manage Your subscription settings.

•   Complete the online cancellation form on our website.

•   Email support@myoralux.com with Your order number and cancellation request.

•   Call +1 (302) 603 1335 (Monday–Sunday, 8:00 AM–11:00 PM EST).

Upon cancellation, no further charges will be processed. You will retain access to any remaining benefits or shipments already paid for through the end of the current billing cycle. Cancellation does not entitle the customer to a refund of any charges already processed for the current or prior billing cycles, except as provided in our Cancellation & Refund Policy.

6.6 Failed Subscription Payments

If a recurring subscription charge fails (due to expired card, insufficient funds, or any other reason), Oralux may attempt to process the payment up to three (3) additional times over a period of up to fifteen (15) calendar days. If payment cannot be successfully collected after all retry attempts, the subscription may be automatically suspended or cancelled. Oralux is not obligated to notify the customer of each retry attempt, though we will make reasonable efforts to inform You of the payment failure.

It is the customer’s responsibility to ensure that their payment information is current and that sufficient funds are available for scheduled subscription charges. Oralux is not liable for service interruptions, delayed shipments, or any other consequences arising from a failed subscription payment.

 

7. Chargebacks & Payment Disputes

7.1 Contact Us First

If You have questions or concerns about any charge from Oralux, we strongly encourage You to contact our support team before initiating a chargeback or payment dispute with Your bank, credit card company, or payment provider. We are committed to resolving billing issues directly, quickly, and fairly. Many billing concerns can be resolved within 1–2 business days when handled through our support channels.

7.2 Unauthorized Chargebacks

Filing a chargeback or payment dispute without first contacting Oralux and allowing a minimum of ten (10) business days for resolution constitutes a violation of this policy. Chargebacks filed for orders that have been confirmed as delivered, for subscription charges that were properly authorized, or for charges that are otherwise consistent with the terms of this policy and Your purchase, may be treated as fraudulent or abusive.

In the event of an unauthorized or unwarranted chargeback, Oralux reserves the right to:

•   Contest the chargeback by submitting all relevant documentation to the payment processor, including transaction records, authorization logs, delivery confirmations, tracking data, communication history, subscription enrollment records, and any applicable signed or electronic agreements.

•   Immediately suspend the customer’s account and deny any pending refund, return, or Guarantee claims.

•   Permanently ban the customer from making future purchases on myoralux.com.

•   Report the customer to fraud prevention databases and services.

•   Pursue recovery of the disputed amount, associated chargeback fees, administrative costs, and legal fees through any lawful means, including collections agencies, small claims court, or other legal proceedings.

7.3 Statement Descriptor

All charges from Oralux will appear on Your bank or credit card statement under the descriptor “Oralux” or a similar variation. If You do not recognize a charge, please check Your order history or contact our support team before assuming the charge is unauthorized.

 

8. Promotional Codes & Discounts

Promotional codes, discount codes, and special offers are subject to the following terms:

•   Each code may only be used once per customer, per household, and per order, unless explicitly stated otherwise.

•   Codes cannot be combined with other promotions, offers, or discounts unless explicitly stated.

•   Codes have no cash value and cannot be exchanged for cash, credit, or any other form of compensation.

•   Codes are non-transferable and may only be used by the intended recipient.

•   Oralux reserves the right to void, revoke, or refuse any promotional code at any time if we determine, in our sole discretion, that the code is being used in a manner inconsistent with its intended purpose, including bulk purchasing for resale, exploitation of pricing errors, or systematic abuse.

•   If an order is refunded, the promotional value will not be restored or reissued. Future orders will be charged at the applicable price without the discount.

 

9. Third-Party Payment Processors

Oralux utilizes third-party payment processing services (including but not limited to Shopify Payments, PayPal, Stripe, and their subprocessors) to handle all payment transactions. By making a purchase, You agree to be bound by the terms of service, privacy policies, and acceptable use policies of the applicable payment processor(s) in addition to this Payment Policy.

Oralux is not responsible for any errors, failures, outages, data breaches, unauthorized transactions, or other issues arising from the systems, services, or actions of third-party payment processors. Any disputes related to the payment processing service itself (as opposed to the underlying purchase) should be directed to the applicable payment processor.

 

10. Limitation of Liability

To the fullest extent permitted by applicable law, Oralux shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to any payment transaction, payment processing failure, authorization hold, declined transaction, currency conversion, fraud prevention measure, subscription billing, or any other matter covered by this Payment Policy. Oralux’s total liability related to any payment dispute shall not exceed the amount of the specific transaction in question.

Oralux is not responsible for any losses, charges, fees, or damages incurred by the customer as a result of actions taken by the customer’s bank, credit card company, payment provider, or any other third party.

 

11. Payment Data & Privacy

Oralux is committed to protecting Your personal and financial information. We do not directly store full credit card numbers, CVV codes, or other sensitive payment credentials on our servers. All payment data is processed and stored by our PCI DSS-compliant third-party payment processors.

We may retain certain non-sensitive transaction records (such as the last four digits of a card number, transaction amounts, dates, and billing addresses) for order management, customer support, fraud prevention, and compliance with legal and regulatory obligations. For full details on how we collect, use, and protect Your data, please refer to our Privacy Policy.

 

12. Severability

If any provision of this Payment Policy is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties.

 

13. Governing Law & Jurisdiction

This Payment Policy shall be governed by and construed in accordance with the laws of the State of Wyoming, United States of America, without regard to its conflict of law provisions. Any dispute arising from or relating to this policy or any payment transaction shall be subject to the exclusive jurisdiction of the state and federal courts located in Wyoming. By completing a transaction, the customer consents to the personal jurisdiction of these courts.

 

14. Modification of Policy

Oralux reserves the right to update, modify, or replace this Payment Policy at any time without prior notice, except where notice is required by applicable law (such as subscription price changes under Section 6.3). Changes become effective immediately upon posting to our website. It is the customer’s responsibility to review this policy periodically. Continued use of our website or completion of transactions after any modifications constitutes acceptance of the updated policy.

 

15. Contact Information

For any payment-related questions, billing inquiries, subscription management, or dispute resolution, please contact us:

 

By completing a transaction on myoralux.com, You acknowledge and agree to all terms outlined in this Payment Policy.