Chargeback Policy

Effective Date : 27 December 2023

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A chargeback is a process that allows a credit cardholder to dispute a transaction and request a refund from the card issuer. Chargebacks are typically initiated for various reasons, including unauthorized transactions, billing errors, or dissatisfaction with the goods or services received.

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The chargeback procedure involves several steps:

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1. Terms and Conditions

• All chargeback requests must be submitted within 14 days from the date of purchase and will be processed according to the terms and conditions of the service providers.

• Refund and Return Policy Terms and Conditions apply. 

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2. Cardholder Contacts Issuer:

• The cardholder identifies a transaction they wish to dispute and contacts their credit card issuer.

• This contact is usually made by phone, but it can also be done online or in writing.

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2. Issuer Reviews Claim:

• The issuer investigates the claim to determine its validity.

• They may request supporting documentation from the cardholder, such as receipts, invoices, or communication with HK Accessories.

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3. Issuer Notifies HK Accessories:

• If the issuer finds the claim valid, they notify the HK Accessories of the chargeback.

• HK Accessories is informed of the reason for the chargeback and may be asked to provide evidence to dispute the claim.

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4. HK Accessories Responds:

• HK Accessories can respond to the chargeback by providing evidence that the transaction was legitimate.

• This evidence may include proof of delivery, signed receipts, or communication records.

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5. Issuer Makes Decision:

• The issuer reviews the evidence from both parties and makes a decision.

• If the chargeback is upheld, the cardholder is refunded, and HK Accessories is debited the disputed amount.

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6. Arbitration (if necessary):

• In some cases, if the dispute is not resolved through the standard chargeback process, it may go to arbitration.

• The card networks (Visa, Mastercard, etc.) may intervene to make a final decision.

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7. Resolution:

• Based on the outcome of the issuer's investigation or arbitration, the cardholder or HK Accessories is notified of the resolution.

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8. Contact.

• For any questions regarding our refund and return policy, please contact us at hkaccessoriespng@gmail.com or fill out the contact form below with your inquiry and we will get back to you.