Billing Terms & Conditions

These Billing Terms & Conditions explain the payment, pricing, invoicing, billing, and transaction procedures that apply to purchases made through HILLARCH TRADING LIMITED.

By placing an order through our website, you confirm that you have read, understood, and agreed to the terms below.

1. Accepted Payment Methods

We may accept the following payment methods through our website:

• Visa

• MasterCard

• American Express

• Debit Cards

• PayPal

• Bank Transfer

The payment methods available to you may vary depending on the order, checkout method, or payment provider.

All payments must be successfully authorised before an order can be processed or dispatched.

For bank transfer orders, processing may not begin until cleared funds have been received into our account.

2. Currency & Pricing

All prices displayed on our website are shown in British Pounds Sterling (GBP £) unless otherwise stated.

We make reasonable efforts to ensure that product prices are accurate. However, if a pricing error is identified after an order has been placed, we reserve the right to contact you before processing the order.

If you use a card, bank account, or payment method denominated in another currency, your bank or payment provider may apply its own:

• Currency conversion rate

• Foreign transaction fee

• Processing fee

• Other applicable charges

HILLARCH TRADING LIMITED is not responsible for additional fees charged by your bank or payment provider.

3. VAT Information

Prices displayed on our website may include VAT at the applicable UK rate where required.

Some products, particularly eligible second-hand or pre-owned goods, may be supplied under the UK VAT Margin Scheme.

Where a product is sold under the VAT Margin Scheme:

• VAT is included within the selling price

• VAT is calculated on the seller’s eligible profit margin

• VAT will not normally be shown separately on the customer invoice

• Business customers cannot reclaim VAT separately on a VAT Margin Scheme item

Where applicable, invoices or product documentation may indicate whether an item has been supplied under the standard VAT scheme or an applicable margin scheme.

VAT Number: 508204519

4. Payment Authorisation

When you place an order, your payment provider may authorise or reserve funds against your chosen payment method.

This allows the payment provider to:

• Confirm that the payment method is valid

• Verify that sufficient funds or credit are available

• Perform security and fraud-prevention checks

Depending on the payment provider, an authorisation may temporarily reduce your available balance or credit limit.

Payment may be captured when your order is accepted, processed, or prepared for dispatch.

5. Payment Security

We take the security of customer payment information seriously.

Our website uses appropriate security measures, including SSL encryption, to help protect information transmitted during checkout.

Payments may also be processed through trusted third-party payment providers.

HILLARCH TRADING LIMITED does not intentionally store complete card numbers, card security codes, or other sensitive card information on its own website servers where payments are processed by third-party payment providers.

Customers are responsible for ensuring that the payment information they provide is accurate and that they are authorised to use the selected payment method.

6. Failed or Declined Payments

A payment may be declined, rejected, delayed, or cancelled for reasons including:

• Incorrect card or payment information

• Billing address mismatch

• Insufficient funds

• Expired card

• Blocked or restricted card

• Bank security checks

• Fraud-prevention measures

• Payment provider restrictions

• Technical payment processing issues

If your payment is declined, you should check the information entered during checkout and contact your bank or payment provider where necessary.

We are not responsible for a payment being declined by your bank, card issuer, PayPal, or another third-party payment provider.

7. Order Cancellations & Refunds

Orders Not Yet Dispatched

If you request cancellation before your order has been dispatched, we will normally attempt to cancel the order and issue an appropriate refund.

However, cancellation cannot always be guaranteed once an order has entered the processing or fulfilment stage.

Orders Already Dispatched

If your order has already been dispatched, you may need to return the item in accordance with our Returns & Refund Policy before a refund can be issued.

Returned products may be inspected before a refund is approved.

Where a refund is authorised, it will normally be returned to the original payment method used for the purchase unless otherwise agreed.

The time taken for a refund to appear in your account may depend on your bank, card provider, PayPal, or other payment provider.

8. Invoices & Receipts

After placing an order, you may receive an electronic order confirmation, payment confirmation, receipt, or invoice by email.

Customers requiring additional invoice information should contact us and provide relevant details, including:

• Order number

• Customer or company name

• Billing details

• VAT details, where applicable

We may only be able to amend invoice information where legally and technically permitted.

9. Fraud Prevention & Payment Verification

To protect our customers and our business, transactions may be subject to security and fraud-prevention checks.

Where reasonably necessary, we reserve the right to:

• Review suspicious transactions

• Delay dispatch while payment verification is completed

• Request additional payment or identity verification

• Refuse a transaction

• Cancel an order where fraud or unauthorised payment is reasonably suspected

Additional verification may also be requested where the billing information, shipping information, payment information, or order activity raises security concerns.

10. Pricing Errors & Availability

Product prices, promotions, specifications, and availability may change from time to time.

If a product has been incorrectly priced due to a technical, administrative, or other error, we may contact you before fulfilling the order.

Where appropriate, we may:

• Offer you the opportunity to purchase the product at the correct price

• Cancel the affected order

• Issue a refund for any amount already paid

We will not knowingly dispatch an order at an incorrect price where a clear pricing error has occurred.

11. Chargebacks & Payment Disputes

If you believe there is a problem with an order or payment, we encourage you to contact us before initiating a chargeback or payment dispute so that we have an opportunity to investigate the matter.

Submitting a fraudulent, misleading, or unjustified payment dispute may result in us providing relevant order, delivery, communication, and transaction information to the applicable bank or payment provider.

Nothing in this section affects your statutory rights.

12. Changes to These Billing Terms

HILLARCH TRADING LIMITED may update or amend these Billing Terms & Conditions from time to time.

Any revised version will apply from the date it is published on our website.

We recommend reviewing this page periodically to remain informed about our current billing and payment practices.

13. Contact Information

If you have any questions regarding payments, invoices, billing, refunds, or transactions, please contact us:

HILLARCH TRADING LIMITED

45 Tooting High Street
London
England
SW17 0SP
United Kingdom

Phone: +44 7350 028123
Email: sales@hillarchtrade.co.uk

Company Number: 6447143
VAT Number: 508204519