Payment Terms

Store Name: Wzhhqm Official Website: www.wzhhqm.com Support Email: hello@wzhhqm.com Contact Phone: +48-630730549 Registered Postal Address: ul. Kwiatowa 18, m. 42, 00-123 Warszawa, Poland Applicable Legal Rules: Polish Consumer Rights Act, EU Payment Services Directive, GDPR, Polish tax regulations, Shopify payment compliance standards

1.1 All transactions on www.wzhhqm.com are conducted in Polish Złoty (PLN). All displayed product prices include mandatory Polish VAT at the applicable standard rate. Delivery charges, additional service fees and customs costs (if applicable) are shown separately on the checkout page before payment confirmation. 1.2 By completing checkout and submitting payment, you confirm you are the legal holder of the selected payment method and have full authority to authorise the transaction amount. All payments must be completed in full before order processing and dispatch commence; partial payment orders will not be fulfilled. 1.3 This Payment Terms document acts as a supplementary clause to our Terms of Service, Privacy Policy, Shipping Policy and Return & Refund Policy. All documents form a binding legal agreement between you and Wzhhqm.

We support all secure payment gateways integrated with Shopify checkout for customers located in Poland and the EEA:

3.1 Wzhhqm does not add extra surcharges for card payments or standard checkout transactions. 3.2 If your payment account uses a currency other than PLN, your bank or payment provider may apply currency conversion fees, cross-border transaction fees or international bank charges. All such third-party fees are the sole responsibility of the customer and will not be reimbursed by Wzhhqm under any circumstances. 3.3 Any chargeback administrative fees raised by payment providers due to unauthorised customer disputes will be claimed back from the customer where the dispute is ruled in our favour.

4.1 When you enter payment details at checkout, a temporary funds authorisation hold may be placed on your account by your card issuer to verify sufficient balance. This hold is automatically released once the full transaction is processed or cancelled. Release timelines depend solely on your bank’s internal processing rules. 4.2 Orders will only be confirmed and moved to processing once payment is fully cleared and verified by our payment service provider. If payment is declined, expired or rejected, your order will be automatically cancelled, and no goods will be shipped. 4.3 We may request additional identity verification documentation for high-value orders or orders flagged for potential fraud to comply with EU anti-money laundering rules. Failure to provide requested documents within 48 hours results in automatic order cancellation and full refund.

5.1 A digital VAT invoice will be sent to your registered email address after successful payment completion. The invoice contains full store details, item breakdown, VAT amount, shipping cost and total transaction value for tax record keeping. 5.2 If you require an adjusted or reissued invoice, submit a request to hello@wzhhqm.com within 30 days of purchase with your full order number. We retain all transaction and invoicing records for the mandatory fiscal retention period required by Polish tax law.

6.1 All eligible refunds are processed exclusively through the original payment method used at checkout, in PLN currency. Alternative refund channels such as bank cash payouts, gift cards or third-party transfers are not permitted unless we issue a formal written agreement. 6.2 Refund timelines: We initiate the refund within 14 calendar days of meeting refund eligibility criteria (per our Return & Refund Policy). The time for funds to reflect in your account is controlled by your bank or payment provider, typically ranging from 3–10 working days. Wzhhqm bears no responsibility for bank processing delays. 6.3 Partial refunds for damaged, incomplete returned goods will be issued based on our warehouse inspection assessment, deducted from the original transaction amount before refund release.

7.1 If you identify an unauthorised charge from Wzhhqm on your payment statement, immediately contact both your bank and our support team at hello@wzhhqm.com with your transaction reference number to start an investigation. 7.2 Before submitting a chargeback via your bank, you must first contact our customer service to attempt amicable resolution of order, quality or delivery issues. Unreasonable chargebacks opened without prior communication may result in permanent suspension of your customer account, and we reserve the right to recover associated administrative and legal costs. 7.3 We will provide full order evidence (tracking numbers, delivery confirmations, customer service correspondence) to payment providers during chargeback investigations to defend legitimate transactions.

8.1 Wzhhqm does not permanently store complete credit card numbers, CVV codes or sensitive banking information on our servers. All payment data is transmitted via SSL/TLS encrypted channels and processed by GDPR and PCI DSS certified payment service providers. 8.2 Your payment personal data is processed in line with our Privacy Policy and EU GDPR rules. We never share your financial information with unrelated third parties for marketing purposes.

9.1 If payment fails due to insufficient funds, expired cards, incorrect security codes or bank restrictions, you may re-submit payment via the checkout link sent to your email within 7 calendar days. After this window, the unconfirmed order will be automatically cancelled, and stock released to other customers. 9.2 We retain the right to cancel orders and issue an immediate full refund if payment activity displays signs of fraud, stolen payment credentials or repeated abnormal checkout attempts.

Wzhhqm may update these Payment Terms to align with new Polish financial regulations, EU payment directives or platform rule changes. Revised terms are published on www.wzhhqm.com with an updated effective date. Continued use of the website checkout after updates means you accept the revised payment rules.

Email: hello@wzhhqm.com Phone: +48-630730549 Mailing Address: ul. Kwiatowa 18, m. 42, 00-123 Warszawa, Poland Website: www.wzhhqm.com

Last Updated: July 2026