PAYMENT & TRANSACTION POLICY

This Payment & Transaction Policy applies to all orders placed on https://urvov.com/, operated by URVOV TRADING PTE. LTD. (UEN: 202646318E). By visiting our website or placing an order with us, you accept and agree to comply with all terms stated in this Policy.

1. Currency of Transactions & Exchange Rates

All product prices and final checkout transactions are denominated, billed and processed in Singapore Dollars (SGD), inclusive of Singapore GST unless otherwise stated.

If you settle payment using a foreign currency, your bank, card issuer or payment service provider will perform currency conversion and may apply their own exchange rates and conversion fees. We do not control exchange rates or any third-party conversion charges.

2. Accepted Payment Methods

We process payments via HitPay, our authorised payment service provider. We accept major credit/debit cards (Visa, Mastercard, American Express (Amex)), Apple Pay, Google Pay, and local Singapore payment option PayNow.

We reserve the right to add, suspend or remove payment options without prior notice. Some payment channels may not be available for international customers.

3. Card Data Security Standards

All payments are processed through PCI DSS-certified payment partners using tokenisation technology. We do not store your full sensitive bank or card details on our servers.

4. Identity Verification & Fraud Prevention

All transactions are monitored for security risk. The Company reserves the right to suspend or cancel suspicious orders, or report unauthorised credit card usage to relevant authorities.

5. Liability Under 3D Secure Authentication

Once a transaction is completed via 3D Secure or OTP verification, the cardholder assumes full legal responsibility for the transaction. We are not liable for compromised verification codes, OTP leaks or negligent sharing of personal verification information.

6. Order Cancellation Policy

Customers may request to cancel an order within 30 minutes after submission, provided the order has not entered processing. Once the order status changes to dispatched/shipping, cancellation requests will not be accepted.

7. Refund and Return Requests

All returns, refunds and product eligibility criteria are governed by our Shipping & Return Policy with a 30-day return window. For complete conditions, non-returnable categories and exchange arrangements, please refer to our Shipping & Return Policy.

If you receive defective or damaged goods, you must notify our support team by email within 48 hours after delivery, together with supporting photos or videos, to be eligible for replacement or credit.

After we approve your return inspection, refunds will be initiated back to your original payment method within 2–3 business days. Your bank or payment provider may take up to an additional 5 business days to reflect the funds in your account.

8. Billing, Taxes, and Custom Duties

Displayed prices do not include destination import fees. International customers are solely responsible for all import duties, customs clearance charges and local taxes levied by their country of receipt.

9. Refusal of Delivery Policy

If a delivery is refused without prior written authorisation from us, the request will not be treated as a valid cancellation. The parcel will be returned to our logistics centre. A refund will be issued after deducting the actual outbound shipping cost, return freight charges and a 15% restocking and administrative fee.

10. Shipping Information Responsibility

Customers must provide accurate contact and delivery information. We hold no liability for failed shipments caused by incorrect or incomplete information provided by you.

Unclaimed parcels held at transit stations will be retained for 14 days. After this period, parcels will be returned to our warehouse, and any refund will be processed after deduction of all outbound and return logistics costs.

11. Ownership and Purchase Limits

Legal title of goods transfers to you only upon successful payment verification. We reserve the absolute right to refuse transactions, limit purchase quantities, or restrict accounts with records of resale activity or repeated speculative disputes.

12. Force Majeure Policy

URVOV TRADING PTE. LTD. shall not be liable for any losses or delays caused by events beyond our reasonable control, including natural disasters, epidemics, war, strikes, telecommunication failures, or payment processor system errors. Under such circumstances, we reserve the right to suspend or cancel orders without compensation.

13. Limitation & Exclusion of Liability

Under no circumstances shall the total aggregate liability of URVOV TRADING PTE. LTD. exceed the net amount you actually paid for the relevant order. We assume no responsibility for payment gateway errors, indirect financial losses or operational delays beyond our reasonable control.

14. Governing Law and Jurisdiction

This Policy and all transactions are governed by the laws of the Republic of Singapore. Any disputes arising shall be submitted exclusively to the competent courts of Singapore. The official language of this policy is English.

15. Order Completion & Data Retention

Delivered orders are deemed completed 24 hours after successful delivery. Transaction records are securely archived for at least one year to meet regulatory requirements.

16. Split Shipments & Communications

We reserve the right to fulfil one order via multiple shipments. Official notices sent to your registered contact details are deemed received and binding once successfully delivered.

17. Updates to this Policy

We reserve the right to revise this Payment & Transaction Policy at any time. Revised terms will be posted on this page with the latest effective date. Your continued purchase from our website constitutes acceptance of the updated policy.

18. Contact Us

For payment and transaction related enquiries, please contact us:

Company Name: URVOV TRADING PTE. LTD.
UEN: 202646318E
Phone: +65 89541350
Email: support@urvov.com
Address: 403 JURONG WEST STREET 42, #06‑551, HONG KAH COURT, SINGAPORE 640403