Payment, Pricing & Currency

Everyday, Elevated.

Website: https://valkored.com
Last Updated: 16 October 2026
Effective Date: 16 October 2026

1. INTRODUCTION

Welcome to VALKORED.

At VALKORED, we believe that every shopping experience should be built on transparency, trust, convenience and confidence.

From selecting a product to completing payment, our goal is to provide customers with clear pricing information, appropriate payment security and a straightforward checkout experience.

This Payment, Pricing & Currency Policy explains how prices are displayed, how payments are processed, how currencies and exchange rates are handled, and how applicable taxes, transaction problems, refunds and payment disputes are managed.

VALKORED is an international online retail department store offering products across home and living, fashion, beauty, technology, accessories, intimate apparel, gardening, outdoor essentials and everyday lifestyle categories.

Our intended customer markets include Australia, the United Kingdom and the United States.

Because customers may shop from different countries, pricing, currency conversion, taxes and available payment methods may vary according to the transaction and applicable legal requirements.

We aim to ensure that customers understand the amount they are agreeing to pay before completing a purchase.

This policy applies to eligible purchases made directly through https://valkored.com and should be read alongside our Terms & Conditions, Privacy Policy, Shipping & Delivery Policy, Returns, Refunds & Exchanges Policy and Order Cancellation Policy.

Nothing in this policy excludes, restricts or modifies statutory consumer guarantees, refund rights, payment dispute rights or other legal protections that cannot lawfully be excluded.

Where mandatory consumer protection legislation provides customers with greater rights, those protections will prevail.

2. BUSINESS INFORMATION

Trading Name: VALKORED

Legal Business Name: VALKORED

Australian Business Number (ABN): Not applicable

Business Location: Western Australia, Australia

Business Postal Address: 81 PARCEL LOCKER, AVELEY 6069

Website: https://valkored.com

General Enquiries: info@valkored.com

Customer Support: support@valkored.com

Customer Service: cs@valkored.com

For questions regarding payments, billing, currency conversions, refunds or transaction errors, customers should contact:

Email: support@valkored.com

Suggested Subject: Payment or Billing Enquiry — Order #[Order Number]

3. OUR PAYMENT AND PRICING COMMITMENT

VALKORED aims to maintain a payment process that is transparent, reliable and appropriate for international online shopping.

Our guiding principles include:

• Clear and accurate product prices.
• Transparent identification of the payment currency.
• Disclosure of applicable taxes and delivery charges.
• No deliberately hidden compulsory fees.
• Access to the payment methods actually supported at checkout.
• Responsible handling of payment information.
• Appropriate transaction verification and fraud prevention.
• Accurate order and payment confirmations.
• Fair handling of failed or duplicate payments.
• Timely refunds where legally required.
• Respect for customers’ statutory payment and consumer rights.
• Clear communication about international currency conversion.

We aim to make purchasing decisions straightforward and to ensure that customers can review their order totals before authorising payment.

4. OUR ONLINE CHECKOUT

VALKORED uses a WordPress-based storefront designed to operate with WooCommerce e-commerce technology.

WooCommerce provides functionality for managing products, shopping carts, checkout transactions, order records and supported payment gateway integrations.

Actual payment processing depends on which payment providers have been installed, connected, approved and activated.

A payment method is considered available only when it is presented as an active option during the checkout process.

The presence of a payment provider’s name, logo or promotional image elsewhere on the Website does not by itself confirm that the corresponding payment service is currently available.

Where a demonstration or preview checkout is displayed, that preview does not constitute a functioning payment service unless a real transaction can be completed.

We will not intentionally represent a demonstration checkout as a completed purchase facility.

Before authorising payment, customers will be provided with the relevant order summary, including the amount and currency payable.

5. ACCEPTED PAYMENT METHODS

VALKORED may accept payments through authorised third-party payment providers connected to our checkout system.

Depending on the active integrations, merchant eligibility, customer’s location and the transaction, these may include:

5.1 Credit and Debit Cards

Eligible Visa, Mastercard, American Express or other supported cards may be accepted where the relevant card-processing service is enabled.

The specific card networks accepted will be shown during checkout.

Acceptance may depend on the payment provider, card issuer, transaction currency and applicable verification requirements.

5.2 Digital Wallets

Where enabled, compatible customers may be able to use digital wallet services such as Apple Pay or Google Pay.

Availability can depend on the customer’s browser, device, card issuer, country and payment gateway configuration.

5.3 PayPal

PayPal may be offered where VALKORED has activated and authorised an appropriate PayPal payment integration.

Customers using PayPal may be subject to the relevant PayPal user agreements and account requirements.

5.4 Buy Now, Pay Later

Eligible instalment payment options, such as Afterpay or other supported services, may be offered if separately enabled.

Such services may be subject to eligibility assessments, spending limits, contractual repayment schedules and applicable financial service regulations.

VALKORED does not determine a third-party provider’s independent credit approval decision.

5.5 Other Payment Methods

Additional payment options may be introduced where lawful, technically supported and suitable for the relevant markets.

Payment Methods Currently Enabled: Credit Cards, Klarna, Afterpay, Paypal, Link.

Only the payment methods actually displayed and available for selection at checkout may be used to complete an order.

6. STRIPE PAYMENT PROCESSING

VALKORED may use Stripe as an authorised payment processing provider where a valid Stripe merchant account and compatible WooCommerce integration have been activated.

Stripe supports electronic payment processing and may provide services involving card transactions, digital wallets, authentication, fraud prevention and eligible local payment methods.

Where Stripe is the selected payment provider, payment information may be processed through Stripe’s relevant secure payment infrastructure.

The available payment methods depend on the merchant account, country, currency and enabled integration.

VALKORED does not regard Stripe’s general capability to support a payment method as confirmation that the method is available on our Website.

Customers may be subject to applicable Stripe service terms or payment method requirements where relevant to their transaction.

Stripe Merchant Integration Status: Connected through the WooCommerce Stripe Payment Gateway.

Stripe Payment Methods Enabled: cards, Apple Pay, Google Pay, Afterpay, Klarna

Stripe Settlement Currency: NOT APPLICABLE

Where Stripe is not enabled, this section describes a potential integration rather than an active customer payment option.

7. OTHER THIRD-PARTY PAYMENT PROVIDERS

VALKORED may integrate additional payment processing services where appropriate.

Each provider may have its own arrangements for:

• Payment authentication.
• Supported currencies.
• Fraud prevention.
• Transaction authorisation.
• Payment settlement.
• Refund processing.
• Dispute handling.
• Customer account eligibility.
• Processing of payment-related personal information.

We will identify relevant providers and display available payment options at checkout.

Where a payment provider’s own terms apply directly to customers, those terms may also govern the relevant payment service.

However, using an external payment provider does not automatically remove VALKORED’s responsibilities as the retailer.

Additional Active Payment Providers: NONE

8. PAYMENT SECURITY

The security of customer payment information is important to VALKORED.

We aim to use reputable payment services and appropriate technical and organisational safeguards to reduce the risk of unauthorised transactions and information misuse.

Depending on the configured payment integration, safeguards may include:

• Secure HTTPS connections.
• Encrypted transmission of payment information.
• Hosted payment fields or secure payment-provider interfaces.
• Payment tokenisation.
• Appropriate authentication procedures.
• Transaction monitoring.
• Fraud detection systems.
• Restricted administrative access.
• Appropriate account and website security controls.

Where supported, sensitive card information may be entered into secure fields provided by the payment processor rather than directly into VALKORED’s own database.

VALKORED does not intend to store complete payment card numbers or card security codes in its WooCommerce order records.

We will assess the applicable payment-card security obligations, including relevant Payment Card Industry Data Security Standard requirements, according to the actual checkout integration.

No online payment system can guarantee absolute protection against every security incident.

We therefore do not promise that all electronic transactions are entirely free from risk.

Customers should contact us promptly if they suspect unauthorised activity associated with a purchase.

9. PAYMENT CARD AUTHENTICATION

Some transactions may require additional authentication before payment can be approved.

This may include:

• One-time verification codes.
• Banking application approval.
• Card issuer security checks.
• Three-D Secure authentication.
• Other legally or technically required verification procedures.

Authentication requirements may vary by card issuer, region, payment method and transaction risk.

If authentication cannot be completed, the payment may be declined or remain unsuccessful.

VALKORED cannot override a bank’s independent card verification decision.

Customers experiencing authentication difficulties may contact their financial institution or select another payment method where available.

10. SUPPORTED SHOPPING CURRENCIES

VALKORED’s intended international shopping markets use the following principal currencies:

Regional prices may be displayed to help customers understand the approximate cost of products in their preferred currency.

However, a regional selector or converted display does not necessarily mean that payment processing in the selected currency is supported.

The currency displayed in the final checkout order total is the currency in which the customer is being asked to authorise payment.

Customers should review the currency shown immediately before completing their purchase.

Confirmed WooCommerce Base Currency: AUD (Australian dollar)

Confirmed Customer Checkout Currencies: All orders are charged in AUD (Australian dollar).

Multi-Currency Payment Integration: None. Prices are shown and charged in AUD only.

If only AUD checkout is enabled, all payments must be clearly identified as AUD transactions, even where customers browse from the United Kingdom or the United States.

11. REGIONAL PRICE DISPLAYS

Where enabled, VALKORED may provide region-specific product pricing or estimated currency conversions.

The purpose is to make international shopping more understandable.

Displayed prices may be affected by:

• The selected shopping region.
• Available currency conversion functionality.
• Regional product pricing.
• Applicable taxes.
• Delivery costs.
• Supplier and fulfilment costs.
• Other lawful and disclosed pricing factors.

Where a regional price is merely indicative, we will identify the actual payment currency before authorisation.

Customers will not be required to rely on an estimated conversion without being shown the actual transaction amount and currency.

12. INTERNATIONAL EXCHANGE RATES

Exchange rates may affect purchases made in a currency different from the customer’s preferred banking currency.

Where currency conversion is available through VALKORED or its payment provider, the applicable rate may depend on the selected conversion service and transaction configuration.

Exchange rates may fluctuate because of changes in international currency markets.

Where an actual conversion is performed at checkout, the transaction amount and relevant conversion information will be disclosed in accordance with applicable law.

Currency Conversion Provider or Pricing Source: Not applicable. VALKORED shows and charges prices in AUD only.

Conversion Rate Update Method: Not applicable. No currency conversion is used.

We will not promise a particular exchange rate, conversion margin or rate-refresh schedule unless it is supported by the system actually in use.

The final amount authorised in the checkout currency will be recorded as part of the transaction.

13. FOREIGN TRANSACTION AND BANK CONVERSION FEES

If a customer’s card or bank account is denominated in a different currency from the currency charged by VALKORED, the card issuer or bank may convert the amount.

The financial institution may apply:

• Its own exchange rate.
• A foreign currency conversion fee.
• A foreign transaction fee.
• An international processing fee.
• Other charges permitted under its customer agreement and applicable law.

These charges may also arise in some circumstances when the transaction currency matches the customer’s account currency but the payment is processed internationally.

VALKORED does not independently determine the fees charged by a customer’s bank or card issuer.

Customers should consult their financial institution for details of applicable international transaction charges.

This section does not excuse VALKORED from responsibility for any charges that applicable law requires us to disclose, refund or otherwise address.

14. CURRENCY CONVERSION AND REFUNDS

Where an international payment is refunded, the refund is generally initiated in the relevant original transaction currency, subject to the payment provider’s procedures and applicable law.

If a customer’s bank converted the original transaction, it may apply a different exchange rate when processing the refund.

Consequently, the amount ultimately appearing in the customer’s bank account may differ from the amount previously debited in that account’s currency.

Such differences can arise from exchange rate movements or independently imposed financial institution fees.

Where a payment provider has performed a checkout currency conversion, its relevant refund conversion rules may also apply.

VALKORED will refund the amount required by applicable consumer law.

We will not rely on currency conversion provisions to withhold any part of a legally required refund.

Customers who believe a refund has been calculated incorrectly should contact support@valkored.com.

15. PRODUCT PRICING

We aim to display accurate product prices that reflect the selected product, applicable variation and relevant shopping conditions.

Product prices may vary according to:

• Product type.
• Colour or size variation.
• Technical specifications.
• Supplier costs.
• Product availability.
• Applicable taxes.
• Regional pricing arrangements.
• Promotions.
• Other legitimate business considerations.

Where a product has multiple options with different prices, the applicable variation price will be disclosed when the customer makes the relevant selection.

A product’s advertised starting price does not necessarily represent the price of every variation.

We will not use misleading pricing presentations or conceal material conditions affecting the advertised price.

16. CLEAR AND TRANSPARENT CHECKOUT TOTALS

Before customers are required to authorise payment, VALKORED aims to provide a clear order summary showing the applicable charges.

Depending on the transaction, this may include:

• Product description and selected variation.
• Product quantity.
• Individual prices.
• Subtotal.
• Applicable discounts.
• Relevant taxes.
• Delivery charges.
• Legally permitted and disclosed additional charges.
• Total amount payable.
• Transaction currency.

Where compulsory charges can be calculated, they must be incorporated into the price presentation as required by applicable law.

Customers should be able to review and correct relevant order information before completing payment.

We will not deliberately introduce hidden compulsory fees during the checkout process.

Where applicable, the payment button will clearly communicate that placing the order creates an obligation to pay.

17. AUSTRALIAN PRICE DISPLAY REQUIREMENTS

For transactions subject to Australian consumer pricing law, VALKORED will comply with the applicable requirements concerning clear and accurate price displays.

The Australian Consumer Law generally requires the minimum total price to be displayed as a single figure, including applicable taxes, duties and unavoidable or preselected additional charges.

Where delivery or another charge cannot be calculated until a customer provides necessary information, the relevant information must be disclosed at the appropriate stage and the complete payable amount confirmed before purchase.

VALKORED will not intentionally use misleading drip pricing, inaccurate discounts or hidden compulsory charges.

Where multiple prices are displayed for the same item, we will comply with the applicable Australian rules governing inconsistent displayed prices.

We will also comply with the requirements applicable to payment-method discounts and promotional price comparisons.

18. AUSTRALIAN CARD PAYMENT SURCHARGES

Effective 1 October 2026, Australian businesses are prohibited from adding separate payment surcharges for transactions made using Visa, Mastercard, American Express and eftpos credit, debit or prepaid cards within the scope of the Australian rules.

VALKORED will not impose prohibited card-payment surcharges on such transactions.

The commercial costs of accepting these payments may instead be reflected in ordinary product pricing, where lawful.

Any other payment-related charge will be applied only where legally permitted and appropriately disclosed.

We will ensure that the total price displayed to customers complies with applicable pricing requirements.

Nothing in this section authorises the addition of an unlawful or undisclosed payment fee.

19. AUSTRALIAN GOODS AND SERVICES TAX

Australian transactions may be subject to Goods and Services Tax (GST).

GST is generally charged at 10% on taxable supplies where the relevant legal requirements apply.

Whether GST must be collected depends on factors including the seller’s registration status, the nature of the supply and applicable rules concerning domestic and imported goods.

Where VALKORED is required or entitled to collect GST on a taxable sale, applicable consumer-facing prices will include GST as required by Australian law.

Where GST is not legally chargeable, we will not incorrectly represent a transaction as containing collected GST.

VALKORED GST Registration Status: We do not charge GST at this time.

Australian Tax Calculation Configuration: We do not charge any taxes at this time.

Low-Value Imported Goods GST Arrangements: Not applicable

Any applicable tax component will be identified in order records or tax invoices as required by law.

20. UNITED KINGDOM PRICE DISPLAY REQUIREMENTS

For transactions subject to United Kingdom consumer pricing legislation, VALKORED will comply with applicable requirements concerning clear prices, compulsory charges and information provided before an online purchase.

Consumer-facing prices must include applicable VAT and other unavoidable charges in accordance with the relevant legal rules.

Before an order is submitted, customers will be provided with the applicable total payable amount, delivery costs or required information about how those costs are calculated.

Where additional optional products or services are offered, charges requiring separate agreement will not be imposed without the legally required consent.

Customers will be given an appropriate opportunity to review and correct their order details.

The checkout must clearly communicate the obligation to pay.

21. UNITED KINGDOM VALUE ADDED TAX

Purchases supplied to UK customers may be subject to Value Added Tax (VAT).

The applicable treatment depends on the type of goods, their location when sold, consignment value, import arrangements and other relevant circumstances.

For example, where goods are sold directly by an overseas seller to customers in Great Britain and dispatched from outside the United Kingdom in consignments valued at £135 or less, UK VAT will generally need to be charged and accounted for at the point of sale, subject to applicable exceptions.

Different arrangements may apply to higher-value consignments or goods imported into Northern Ireland.

VALKORED will assess its UK VAT registration, collection and reporting obligations before accepting transactions requiring those arrangements.

Where VAT is legally chargeable, the relevant consumer price and transaction documents will reflect the applicable tax treatment.

UK VAT Registration Status: Not applicable at the moment.

UK VAT Registration Number: Not applicable

UK Import VAT and Consignment Arrangements: Not applicable at the moment.

We will not represent UK VAT as already collected unless the relevant transaction and tax configuration support that statement.

22. UNITED STATES SALES TAX

Purchases delivered within the United States may be subject to applicable state or local sales and use taxes.

Sales-tax rules vary between jurisdictions and may depend on:

• The delivery address.
• The product category.
• Local tax rates.
• Applicable exemptions.
• The retailer’s registration and collection obligations.
• Economic nexus or other relevant legal requirements.

Where VALKORED is legally required to collect sales tax, the appropriate amount will be calculated and disclosed before payment authorisation.

Where tax cannot be determined until a destination is supplied, the checkout will calculate the applicable amount after sufficient delivery information has been entered.

Different states may apply different tax rules to shipping charges and particular products.

We will not apply one universal US sales-tax rate to every order unless the applicable law and transaction details support that rate.

US State Sales-Tax Registration and Collection Arrangements: Not applicable at the moment.

US Tax Calculation Service: None.

Where VALKORED does not collect a tax that a customer is independently required to report, applicable legal requirements and disclosures will govern that situation.

23. INTERNATIONAL IMPORT DUTIES AND CUSTOMS CHARGES

Some products may be supplied through international warehouses or fulfilment partners.

International orders may involve customs duties, import VAT or GST, processing charges or other government-imposed costs.

The applicable arrangement depends on the destination, product and agreed shipping terms.

Such charges may be:

• Included in the checkout total.
• Collected and accounted for by VALKORED.
• Paid through an authorised fulfilment arrangement.
• Payable separately where legally permitted and adequately disclosed.

Where the customer is responsible for separately payable import costs, the relevant obligation must be communicated before purchase in accordance with applicable law.

We will not describe an order as having all duties paid unless that statement is supported by the actual shipping arrangement.

For more information, customers should consult our Shipping & Delivery Policy and International Shopping & Customs Policy.

International Duties Arrangement: Where the price of an item is more than $1,000, the customer is liable and will handle their own customs and import duties on their own when their products arrive to their local port entry. Valkored does not engage in any matters pertaining duties in any country.

24. PROMOTIONS, DISCOUNTS AND SPECIAL PRICING

VALKORED may occasionally offer promotional pricing, discounts, seasonal offers or other purchasing incentives.

Promotions will be subject to the relevant advertised terms.

These may include:

• Applicable dates.
• Eligible products.
• Minimum purchase amounts.
• Specific customer eligibility.
• Discount code requirements.
• Product exclusions.
• Other lawful and clearly disclosed conditions.

We aim to ensure that advertised savings are genuine and supported by accurate pricing information.

We will not intentionally use fabricated original prices, misleading price comparisons, false countdowns or unsupported scarcity claims.

Discounts will be applied according to the applicable promotion terms.

Where a promotion has already formed part of an accepted transaction, later changes will not retrospectively remove the customer’s accrued contractual or statutory rights.

25. PRICING ERRORS

Despite reasonable care, technical, administrative or catalogue errors may occasionally occur.

Examples may include incorrect variation pricing, currency configuration problems, an incorrectly entered product price or duplicated tax calculations.

If an obvious error is identified before an order has been accepted, we may contact the customer to explain the correct details and available options.

We will not increase the agreed purchase price or collect additional payment without the customer’s authorisation.

Where a binding purchase contract has already been formed, any proposed correction, cancellation or adjustment will depend on applicable contract and consumer law.

We will not use a general pricing-error clause as an unrestricted right to cancel accepted orders.

Where a transaction must be lawfully cancelled and payment has already been collected, we will provide an appropriate refund.

26. PAYMENT AUTHORISATION

When a customer attempts to pay, the relevant payment provider may first request authorisation from the card issuer or financial institution.

An authorisation can reserve an amount temporarily without immediately transferring the payment to VALKORED.

Depending on the payment integration, funds may be captured at checkout or at a later authorised stage.

If an order is cancelled before payment capture, the appropriate action may be to release or void the authorisation.

A pending authorisation may remain visible for a period determined by the relevant financial institution.

A pending authorisation is not always the same as a completed payment.

Customers who believe they have been charged incorrectly should contact support@valkored.com with the relevant details.

Payment Capture Configuration: When order is placed.

27. FAILED OR DECLINED PAYMENTS

A payment may fail or be declined for reasons outside VALKORED’s direct control.

Possible causes include:

• Insufficient available funds.
• Incorrect payment information.
• Expired payment credentials.
• Card issuer restrictions.
• Unsuccessful authentication.
• Unsupported transaction currency.
• Payment service disruptions.
• Suspected fraudulent activity.
• Technical connection problems.

Where payment is unsuccessful, the customer may be invited to try again or use another supported method.

We will not knowingly represent an unsuccessful payment as a completed transaction.

Customers should check their bank or payment account activity before making repeated attempts where a transaction’s status is uncertain.

If an amount has been captured without a corresponding valid order, VALKORED will investigate and arrange an appropriate correction or refund.

28. DUPLICATE OR INCORRECT CHARGES

If a customer believes they have been charged twice for the same purchase, they should contact:

support@valkored.com

Please include:

• Relevant order number.
• Approximate transaction date.
• Amount or amounts concerned.
• Payment method type.
• A description of the issue.

Do not provide complete payment card details or security codes.

We may review order records and relevant payment processor information.

Some apparent duplicate charges may involve one completed transaction and one temporary authorisation hold.

Where a genuine duplicate payment or incorrect charge is confirmed, we will arrange the appropriate correction or refund without unnecessary delay.

Applicable legal and payment-network requirements will be respected.

29. ORDER ACCEPTANCE AND PAYMENT CONFIRMATION

An automated order acknowledgement does not necessarily mean that a payment has been successfully captured or that a purchase contract has been accepted.

Payment status and order acceptance may involve separate stages.

Once the relevant transaction has been successfully processed, customers will ordinarily receive an appropriate order confirmation or receipt.

This may identify:

• Order number.
• Products purchased.
• Amount paid.
• Payment currency.
• Applicable taxes.
• Delivery charges.
• Transaction or payment reference.
• Order status.
• Customer support contact information.

The exact information depends on the checkout and payment configuration and applicable recordkeeping requirements.

Where an order cannot proceed after funds have been collected, we will contact the customer and provide an appropriate remedy.

30. CUSTOMER RECEIPTS AND TAX INVOICES

VALKORED will provide transaction documentation as required by applicable law.

Customers may receive an electronic receipt or order confirmation following successful payment.

Where a formal tax invoice is legally required and VALKORED is authorised or required to issue one, the relevant invoice will include the required information.

Depending on the jurisdiction, this may include:

• Seller identity.
• Relevant tax registration number.
• Invoice or transaction reference.
• Transaction date.
• Product description.
• Taxable amount.
• Applicable tax.
• Total amount paid.

Where the sale does not attract a particular tax, we will not incorrectly identify that tax as having been collected.

Customers may contact support@valkored.com to request assistance with transaction documentation.

31. FRAUD PREVENTION AND TRANSACTION VERIFICATION

VALKORED may use reasonable fraud prevention measures to protect customers and the business.

Such measures may include:

• Payment verification.
• Unusual transaction monitoring.
• Address consistency checks.
• Appropriate transaction authentication.
• Payment provider risk assessments.
• Review of potentially unauthorised activity.

In certain circumstances, we may temporarily delay fulfilment while a legitimate security concern is reviewed.

We may request reasonable additional information where necessary to verify a transaction.

Customers should never send card security codes, passwords or complete banking credentials by ordinary email.

Where a transaction is suspected to be fraudulent, we may take lawful and proportionate action.

Any decision to decline or cancel an order after a binding contract has formed will remain subject to applicable law.

Fraud prevention measures will not be used to arbitrarily restrict legitimate consumer rights.

32. REFUNDS AND PAYMENT REVERSALS

Customers may be entitled to refunds in circumstances explained by our Terms & Conditions, Returns, Refunds & Exchanges Policy and Order Cancellation Policy.

Relevant circumstances may include:

• Cancellation under an applicable statutory right.
• A major product failure.
• An incorrect or defective product.
• Failure to supply purchased goods.
• An eligible delivery delay.
• A confirmed duplicate charge.
• Another lawful or agreed refund entitlement.

Refunds will ordinarily be issued through the original payment method where practicable and legally appropriate.

Where the original payment method cannot receive a refund, an alternative lawful method may be arranged.

We will not require customers to accept store credit in place of a legally required monetary refund unless the customer voluntarily agrees and the law permits the arrangement.

Refund amounts, timing and original shipping charges will be handled according to the reason for the refund and applicable law.

33. REFUND PROCESSING TIMEFRAMES

We aim to process eligible refunds promptly.

VALKORED Internal Refund Processing Target: 3-5 BUSINESS DAYS

After a refund has been initiated, the payment provider or customer’s financial institution may require additional time to display the transaction.

However, internal administrative targets and financial institution processes do not override applicable statutory refund deadlines.

For Australian customers, refunds required under consumer guarantees will be provided in accordance with the Australian Consumer Law.

For UK customers, the timing and method of statutory distance-selling cancellation refunds will comply with the applicable reimbursement requirements.

For US customers, refunds arising under the FTC’s Mail, Internet, or Telephone Order Merchandise Rule will be issued within the applicable legal timeframe.

Customers seeking an update about a refund may contact support@valkored.com.

34. CHARGEBACKS AND PAYMENT DISPUTES

A chargeback or payment dispute occurs when a customer raises a transaction concern through a bank, card issuer or other payment provider.

Customers may have rights to dispute transactions involving circumstances such as:

• Unauthorised charges.
• Duplicate payments.
• Goods not received.
• Materially misdescribed products.
• Refunds not received.
• Other matters recognised by the relevant payment network or applicable law.

We encourage customers to contact VALKORED so that we can attempt to resolve legitimate concerns.

However, customers are not required to surrender lawful payment dispute rights or wait for our permission before exercising them.

Where a payment dispute is initiated, we may provide relevant transaction and order information to the payment provider.

We will not retaliate against customers for exercising legitimate statutory or payment-network rights.

We will not impose unlawful chargeback penalties.

The resolution of a payment dispute does not automatically remove any separate consumer rights or obligations.

35. BUY NOW, PAY LATER SERVICES

Where VALKORED enables a Buy Now, Pay Later payment method, eligible customers may be able to pay for purchases through an instalment arrangement.

Such arrangements may be provided by independent financial service providers.

The provider may determine:

• Customer eligibility.
• Approval of the transaction.
• Instalment amounts.
• Repayment dates.
• Applicable fees.
• Late payment conditions.
• Refund adjustments.
• Other financing requirements.

VALKORED does not independently determine a customer’s ability to obtain third-party credit.

Customers should review the relevant provider’s repayment terms before selecting this payment method.

Any required financial disclosures and consumer protections will apply.

Where a refund is required for a purchase originally financed through a third-party instalment service, the refund and adjustment will be handled through the appropriate provider arrangements and applicable law.

Buy Now, Pay Later Providers Enabled: Afterpay, Klarna

36. GIFT CARDS, STORE CREDIT AND LOYALTY BALANCES

VALKORED may introduce gift cards, promotional credits or loyalty rewards in the future.

If introduced, those services will be governed by appropriate additional terms.

Such terms may explain:

• Eligibility.
• Redemption procedures.
• Validity periods.
• Applicable expiry rules.
• Excluded purchases.
• Balance management.
• Refund arrangements.

Store credit and loyalty rewards will not replace mandatory consumer remedies unless the customer lawfully agrees to the arrangement.

Any gift card or reward system will be subject to applicable consumer protection legislation.

Gift Card and Loyalty Payment Features: Not offered. VALKORED does not currently offer gift cards or a loyalty program.

37. RECURRING PAYMENTS AND SUBSCRIPTIONS

Ordinary one-time purchases should not automatically create a recurring payment obligation.

If VALKORED introduces subscriptions, recurring deliveries or paid membership services, those services will require additional clear terms.

Before a customer agrees to a recurring payment, relevant information must be disclosed, including:

• The amount payable.
• Billing frequency.
• Applicable renewal terms.
• Minimum commitment, if any.
• How to cancel.
• Any legally permitted cancellation charges.
• Relevant statutory rights.

We will obtain the agreement required by applicable law before establishing recurring payment arrangements.

Recurring Payment Services: Not offered. VALKORED does not currently offer subscriptions or recurring payments.

38. PAYMENTS INVOLVING INTERNATIONAL SUPPLIERS

VALKORED may source products through domestic and international manufacturers, distributors, wholesalers and fulfilment partners.

Some orders may be dispatched directly from overseas suppliers.

However, where VALKORED is the contractual retailer, the customer purchases the product from VALKORED rather than separately contracting with the supplier for the retail sale.

Payment made to VALKORED may be used to settle our own obligations to suppliers and fulfilment partners.

Customers are not required to resolve supplier payment disputes independently to obtain a remedy that VALKORED is legally required to provide.

We will not refuse a statutory refund solely because a supplier has already received payment.

Our fulfilment arrangements do not override mandatory consumer protections.

39. AUSTRALIAN CUSTOMER PAYMENT RIGHTS

Australian customers are protected by the Australian Consumer Law and other applicable legislation.

These protections include rules concerning:

• Clear and accurate pricing.
• Misleading price representations.
• Consumer guarantees.
• Refunds for qualifying product failures.
• Unfair contract terms.
• Unlawful payment surcharges.
• Other prohibited business practices.

A customer may be entitled to choose a refund or replacement where goods have a major failure under the Australian Consumer Law.

Where a refund is required, it must not be reduced merely because the customer has used the product.

VALKORED will not rely on payment processing arrangements, supplier costs or internal return procedures to unlawfully reduce consumer entitlements.

Customers may seek further information from the Australian Competition and Consumer Commission.

Website: https://www.accc.gov.au

40. UNITED KINGDOM CUSTOMER PAYMENT RIGHTS

UK customers may have protections under applicable consumer legislation, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

These laws may provide rights concerning:

• Transparent pre-contract pricing.
• Payment obligations.
• Optional charges.
• Statutory distance-selling cancellations.
• Faulty or misdescribed goods.
• Reimbursement of qualifying payments.
• Relevant delivery charges.
• Other mandatory remedies.

For eligible distance-sales cancellations, customers generally have a statutory cancellation period ending 14 days after receiving goods, subject to the relevant rules and exceptions.

Where a qualifying cancellation occurs, VALKORED will comply with the applicable reimbursement requirements.

Payment methods and currency conversion arrangements do not remove those protections.

Further information is available through:

Website: https://www.gov.uk/consumer-protection-rights

41. UNITED STATES CUSTOMER PAYMENT RIGHTS

US customers may be protected by applicable federal and state consumer protection legislation.

Relevant requirements may concern:

• Accurate advertised prices.
• Unfair or deceptive commercial practices.
• Credit or debit card payment protections.
• Online order fulfilment.
• Shipping delays.
• Required refunds.
• Relevant warranty obligations.
• State-specific consumer and billing rights.

For transactions covered by the FTC’s Mail, Internet, or Telephone Order Merchandise Rule, specific rules apply where goods cannot be shipped within the advertised or otherwise applicable timeframe.

VALKORED will follow the applicable cancellation, consent and refund requirements.

Customers may also exercise relevant payment card and banking dispute rights.

Further information is available from the Federal Trade Commission and relevant state authorities.

Website: https://www.ftc.gov

42. PROTECTION OF PAYMENT INFORMATION

VALKORED handles relevant customer and transaction information in accordance with its Privacy Policy and applicable law.

Depending on the payment provider, information processed may include:

• Customer name.
• Billing details.
• Order information.
• Payment method type.
• Transaction amount and currency.
• Payment status.
• Limited card identifiers.
• Transaction reference numbers.
• Fraud prevention information.
• Refund records.

Full payment credentials may be processed directly by authorised third-party payment infrastructure.

Where appropriate, payment tokens or references may be retained to support permitted payment functions.

Information may be shared with payment providers, financial institutions, fraud prevention services or other authorised parties where necessary and lawful.

Customers can review our Privacy Policy for further information about data protection and privacy rights.

43. UNAUTHORISED PAYMENTS AND SECURITY INCIDENTS

If a customer suspects that a payment associated with VALKORED was unauthorised, they should contact their bank or payment provider promptly.

They may also notify VALKORED at:

support@valkored.com

We may investigate relevant order and payment information and cooperate with the payment provider where appropriate.

We may take reasonable steps to protect affected customer accounts and prevent additional unauthorised activity.

Customers should avoid sending passwords, complete card details or other sensitive payment credentials by ordinary email.

Any legally required notifications and remedial actions will be handled in accordance with applicable law.

44. PAYMENT-RELATED CUSTOMER RESPONSIBILITIES

Customers are encouraged to:

• Review product descriptions and variations.
• Confirm the currency used at checkout.
• Review the final order total.
• Verify billing and delivery information.
• Use payment methods they are authorised to use.
• Complete legitimate security verification.
• Retain order confirmations and receipts.
• Contact support if a transaction appears incorrect.
• Protect account and payment credentials.

These recommendations do not remove statutory protections or impose unlawful restrictions on refund and payment dispute rights.

45. PAYMENT COMPLAINTS AND DISPUTE RESOLUTION

VALKORED aims to address billing and transaction enquiries fairly, promptly and professionally.

Customers experiencing a payment problem should contact:

Customer Support: support@valkored.com

For unresolved customer service concerns:

Customer Service: cs@valkored.com

Please include the relevant order number, transaction date, amount and description of the concern.

We may request additional information reasonably necessary to identify the transaction and investigate the issue.

We will respond in accordance with applicable legal requirements.

Customers may independently exercise their lawful rights to contact financial institutions, payment providers, consumer authorities, regulators or courts.

Nothing in this policy prevents access to those processes.

46. CHANGES TO THIS POLICY

VALKORED may update this policy to reflect changes in payment providers, international currency options, tax obligations, website functionality or applicable legislation.

Any updated policy will be published on https://valkored.com with a revised date.

Changes will ordinarily apply prospectively.

We will not retrospectively remove contractual or statutory rights acquired under an existing purchase.

Where required by law, appropriate notice or agreement will be obtained before material changes affect customers.

47. OUR COMMITMENT TO PAYMENT TRANSPARENCY

At VALKORED, we recognise that customers place their trust in us whenever they authorise an online payment.

We believe that trust must be supported by clear prices, responsible payment processing, transparent international transactions and dependable customer service.

Our commitment is to provide an online shopping experience in which customers can understand what they are buying, what they are paying and which payment arrangements apply.

As our international operations develop, we will continue reviewing our payment services, pricing processes and security arrangements to support responsible and convenient shopping.

Whether purchasing home essentials, fashion, technology, beauty or lifestyle products, we want customers to feel confident in their transaction with VALKORED.

VALKORED — Everyday, Elevated.

48. CONTACT VALKORED

For assistance with payments, billing, refunds, currency conversion, pricing or transaction enquiries, please contact:

VALKORED — Everyday, Elevated.

Official Website: https://valkored.com

General Enquiries: info@valkored.com

Customer Support: support@valkored.com

Customer Service: cs@valkored.com

Legal Business Name: VALKORED

ABN: Not applicable

Business Location: Western Australia, Australia

Business Postal Address: 81 PARCEL LOCKER, AVELEY 6069

We welcome your enquiries and remain committed to transparent pricing, responsible payment practices and professional customer support.

© 2026 VALKORED. All Rights Reserved.

Everyday, Elevated.