Payment Policy

Effective Date: November 1, 2026

Last Updated: November 1, 2026

Fernlume is a retail brand operated by EverGift Jewelry LLC. This Payment Policy explains how online payments, pricing, payment authorization, refunds, and payment questions are handled for orders placed through fernlume.com.

Quick Reference

1. Currency and Pricing

All prices on the Site are listed in U.S. Dollars (USD). The price applicable to your order is the price displayed for the item at the time you submit the order, subject to correction of an obvious listing, technical, or pricing error.

We work to keep prices and product information accurate. If an item is shown with an obvious error in price, availability, description, or other material information, we may correct the error, cancel the affected order, and refund any payment already collected. We will notify you using the contact information provided at checkout.

2. Payment Methods

Online checkout uses Shopify Payments and other payment options made available for your order. The actual methods available can vary based on your device, account, payment-provider eligibility, and checkout settings.

Available methods may include:

• Eligible credit and debit cards;
• Shop Pay;
• Google Pay;
• Amazon Pay;
• PayPal; and
• Other payment methods expressly shown at checkout.

The methods displayed at checkout are the only methods currently available for that order. We do not accept a payment method that is not displayed at checkout unless we agree otherwise in writing.

3. Payment Authorization and Order Acceptance

When you place an order, you authorize the applicable payment provider to obtain authorization for the full order total, including item prices, shipping charges, and applicable taxes. Depending on your payment method, you may see a pending authorization before a charge is fully posted.

After checkout, we send an order confirmation to the email address supplied by you. An order confirmation acknowledges that we received your order; it does not guarantee that an item is available or that an order has been accepted for fulfillment.

We may decline or cancel an order for a legitimate reason, including item unavailability, an obvious error, failure of payment authorization, inaccurate order information, or suspected unauthorized or fraudulent activity. If payment has already been collected for a cancelled order, we will initiate a refund to the original payment method.

4. Taxes, Shipping Charges, and Checkout Total

Applicable sales tax is calculated based on the delivery address and applicable law. Standard U.S. shipping is $6.99 USD for orders below $99.00 USD. Eligible orders of $99.00 USD or more receive free standard shipping. See our Shipping Policy for full details.

Before you submit your order, checkout displays the item price, any applicable tax, shipping charge, and final order total. We do not add undisclosed charges after checkout. If you request a change after purchase that would create an additional charge, we will disclose the charge and obtain your agreement before proceeding.

5. Payment Security

Payments are processed through secure third-party payment services, including Shopify Payments and the other providers available at checkout. Payment-card data is handled by the applicable payment provider through encrypted connections.

Fernlume and EverGift Jewelry LLC do not store full payment-card numbers, card expiration dates, or CVV codes on our own systems. We may receive limited transaction information needed to process an order, provide customer service, prevent fraud, and issue refunds.

For information about our collection and use of personal information, please see our Privacy Policy.

6. Fraud Prevention and Payment Review

To help protect customers and prevent unauthorized transactions, we or our payment providers may review an order before fulfillment. If additional verification is needed, we may contact you using the email address or phone number provided at checkout.

Please do not send sensitive payment information, including complete card numbers or CVV codes, by email or text. If we cannot verify an order or reasonably suspect fraud, we may cancel it and initiate a refund for any payment collected.

7. Refunds

Refund eligibility is governed by our Return, Refund & Exchange Policy. When a refund is approved, it is issued to the original payment method used for the purchase.

We initiate an approved refund within 7 business days after an eligible return is received and approved, or after we approve another qualifying refund. Banks, card issuers, digital wallets, and other providers may need additional time to show the credit in your account.

8. Payment Questions and Disputes

If you have a payment question, believe there is an incorrect charge, or need help with a refund, please contact us first. Include your order number, the email address used at checkout, and a brief description of the issue. Contacting us does not limit any rights you may have under applicable law or through your payment provider.

9. Contact and Business Information

• Brand: Fernlume
• Legal Business Name: EverGift Jewelry LLC
• Website: https://fernlume.com/
• Fulfillment and Return Address: 72 Penn Ave, Exeter, PA 18643, United States
• Email: support@fernlume.com
• Phone: +1 (862) 213-7038
• Support Hours: Monday–Sunday, 9:00 AM–7:00 PM ET

10. Related Policies and Updates

Please also review our Shipping Policy, Return, Refund & Exchange Policy, Privacy Policy, and Terms of Service. This policy governs payment matters if it conflicts with a general statement elsewhere on the Site.

We may update this policy to reflect changes in payment methods, operations, legal requirements, or customer-service practices. Updates will be posted on this page with a revised Last Updated date.