Payment Methods

PAYMENT & REFUND POLICY

Effective Date: November 6, 2025

At JOSEPH KAIMIOLA JR KAMAKA LLC, we are dedicated to providing a secure and seamless shopping experience. This policy outlines how we handle your payments, our security protocols, and the procedures for issuing refunds at holdingtax.com.

1. Accepted Payment Methods

We accept several secure payment methods to ensure convenience for our customers. You can complete your purchase using:

• Major Credit & Debit Cards: Visa, Mastercard, American Express, and Discover.
• Digital Wallets: PayPal.

All prices and transactions are processed in U.S. Dollars (USD). Full payment is required before an order enters the production and shipping phase.

2. Secure Transaction Protocols (SSL & PCI)

Your financial security is our top priority. To protect your sensitive data:

• We use Secure Sockets Layer (SSL) technology to encrypt your personal information and credit card details during the entire checkout process.
•  JOSEPH KAIMIOLA JR KAMAKA LLC does not store, process, or have access to your full credit card numbers on our servers.
• All payments are processed through PCI-DSS compliant gateways (such as PayPal or Stripe), ensuring that your information is handled with the highest level of industry-standard security.

3. Authorization & Charging Process

Upon placing an order on our website, the following steps occur:

• Authorization Check: We perform a standard authorization check on your payment card to verify that sufficient funds are available.
• Transaction Charge: Your card will be charged once the authorization is approved. This payment serves as a deposit toward the total value of your handcrafted goods.
• Production Commencement: As our apparel and accessories are often made-to-order or involve personalized elements, production begins immediately after payment confirmation.

4. Payment Procedure

To finalize your order, simply click the “Proceed To Checkout” or “PayPal Checkout” button. You will be redirected to our secure payment gateway provider. If using PayPal, the transaction will appear on your bank or credit card statement as “PAYPAL *ADAMJOJO” or a similar identifier.

5. Refund Procedures

Refunds are governed by our Return Policy & Refund Policy. In the event a refund is approved:

• Original Method: All refunds will be issued back to the original payment method used during checkout (e.g., the specific credit card or PayPal account).
• Processing Time: Once we initiate the refund, it typically takes 5–7 business days for the funds to reflect in your account, depending on your financial institution’s policies.
• Non-Refundable Costs: Original shipping fees ($6.99) are non-refundable unless the return is due to an error on our part (damaged or incorrect item).

6. Billing Information Accuracy

You agree to provide current, complete, and accurate purchase and account information for all purchases. In the event of a payment discrepancy or suspected fraudulent activity, we reserve the right to cancel the order and notify the relevant payment authorities.