Billing Terms & Conditions

At Zoravio, we believe checkout should be simple, transparent, and secure. These Billing Terms & Conditions explain the payment methods we accept, how payments are processed, and key details about pricing, currency, security, refunds, and fraud prevention.

If you have any questions about a charge or payment, contact us at contact@zoravio.com

1. Accepted Payment Methods

To keep checkout smooth and secure, we accept the following payment methods:

• American Express
• Apple Pay
• Diners Club
• Discover
• Google Pay
• JCB
• Mastercard
• Visa

All payments are processed in Canadian Dollars (CAD).

We do not add extra service, processing, or convenience fees beyond the product price and any applicable taxes shown at checkout. Shipping is free within Canada, as outlined in shipping policy.

2. Payment Processing

• Payment at checkout: Orders must be paid in full at the time you place your order.
• Order confirmation: Your order is confirmed and prepared only after payment is successfully authorised.
• Declined payments: If a payment cannot be completed or is declined, the order will not be processed.

3. Currency & Pricing

• Displayed currency: All prices on our website are shown in CAD.
• Final amount charged: The total shown at checkout is the final amount you will be charged (including any applicable taxes).

4. Secure Transactions

• Secure checkout: Payments are protected using SSL encryption and processed through trusted payment providers.
• Card data protection: Zoravio does not store full card numbers or sensitive payment details on our servers.

5. Refunds & Chargebacks

• Refund requests: Refunds are handled according to refund policy.
• Refund method: Approved refunds are returned to the original payment method used at checkout.

Chargebacks / payment disputes:
If you believe a transaction was made in error or without your authorisation, please contact us at contact@zoravio.com within 30 days of the transaction date so we can assist. We reserve the right to dispute chargeback claims we believe to be inaccurate, fraudulent, or not justified.

We aim to respond to chargeback-related enquiries within 7 business days.

6. Fraud Prevention

To protect customers and prevent misuse, we may apply reasonable fraud-prevention checks, including:

• Order review: We may temporarily hold, cancel, or request additional information for orders that appear unusual or potentially fraudulent.
• High-value verification: Orders over 500 CAD may require additional verification before they can be finalised.

7. Related Policies

For more information, please review:

• Terms of service 
• Shipping policy 
• Privacy policy 
• Refund policy