Effective Date: [Insert Date]

These Billing Terms & Conditions (“Billing Terms”) govern all payment authorizations, billing practices, order charges, and financial obligations associated with purchases made through IBPet.com and its affiliated platforms (“IBPet,” “we,” “our,” or “us”). By submitting payment information or placing an order, you expressly agree to be bound by these Billing Terms.

These Billing Terms form an integral part of IBPet’s Terms of Service, Return & Refund Policy, and Privacy Notice.

1. Authorization of Payment

By placing an order with IBPet, the customer (“you”) authorizes IBPet and its designated payment processors to:

• Charge your selected payment method for the full order amount, including product cost, taxes, shipping, and applicable fees
• Verify your identity and validate payment details
• Initiate additional authorizations as required by fraud-prevention protocols
• Capture or reauthorize funds where necessary due to order modifications, shipping adjustments, or operational requirements

You represent and warrant that you have full legal authority to use the payment method provided.

2. Accepted Payment Methods

IBPet accepts the following forms of payment:

• Major credit and debit cards (Visa, Mastercard, American Express, Discover)
• Digital wallets (Apple Pay, Google Pay) when available
• IBPet-issued store credits
• Other payment methods displayed at checkout

We do not accept checks, money orders, COD payments, or unsupported digital currencies.

IBPet reserves the right to modify accepted payment methods at any time.

3. Payment Processing & Verification

All payments are processed through secure, PCI-compliant third-party payment processors.
To protect customers and IBPet from fraud:

• Orders may undergo automated or manual fraud screening
• IBPet may require additional verification (billing confirmation, ID check, or address confirmation)
• Orders with incomplete verification may be delayed or canceled

IBPet is not responsible for delays caused by customer inaction or unverified payment information.

4. Order Acceptance & Billing Errors

IBPet reserves the right to:

• Accept or decline any order
• Cancel orders due to pricing errors, system errors, or suspected fraud
• Limit quantities per customer, household, or account
• Adjust orders where necessary to comply with legal or operational restrictions

If a billing or pricing error occurs:

• IBPet may cancel or modify the order
• You will be notified
• Your payment method will be refunded or recharged appropriately

IBPet is not obligated to honor incorrect prices displayed due to human error, technical malfunction, or third-party interference.

5. Pre-Authorization & Fund Holds

Certain payment methods may place a temporary authorization hold on funds for:

• The full order amount
• Additional security verification
• Shipping adjustments
• Carrier-calculated surcharges

These holds may appear as “pending transactions.”
Release timing is controlled by your bank, not IBPet.

IBPet is not responsible for overdraft fees, bank holds, or insufficient fund penalties.

6. Sales Tax & Regulatory Fees

All applicable taxes, regulatory fees, environmental fees, and state-mandated charges are calculated at checkout based on:

• Shipping address
• Product category
• Federal, state, and local requirements

You agree to pay all taxes and fees imposed on your transaction.

IBPet does not accept tax-exempt orders without legally compliant documentation.

7. Order Cancellations

A. Customer-Initiated Cancellations

IBPet will attempt to honor cancellation requests only if the order has not begun processing or shipping.

Once an order enters fulfillment:

• It cannot be canceled
• The customer must follow the Return & Refund Policy

B. IBPet-Initiated Cancellations

IBPet may cancel orders for:

• Payment failure
• Invalid or unverifiable billing information
• Fraud suspicion
• Regulatory restrictions
• Product unavailability
• Customer account misuse

Refunds for canceled orders will be issued to the original payment method.

8. Chargebacks & Payment Disputes

By placing an order, you agree to contact IBPet before initiating any chargeback with your bank.

Improper or fraudulent chargebacks may result in:

• Order cancellation
• Account suspension
• Reporting to payment processors or fraud databases
• Legal action to recover costs, including collection fees

IBPet provides clear return, refund, and dispute procedures; therefore, misuse of chargeback rights is strictly prohibited.

9. Refunds

Refunds are issued pursuant to IBPet’s Return & Refund Policy.

Key provisions:

• Refunds are issued only after inspection and approval
• Shipping fees, return shipping costs, and surcharges are non-refundable
• Refunds may take 5–10 business days after approval

IBPet is not responsible for delays caused by banks, card issuers, or payment processors.

10. Billing Address Requirements

The billing address provided must:

• Match the address on file with the bank or card issuer
• Be complete and accurate
• Be verifiable by fraud-prevention systems

Orders may be delayed or canceled if the billing address cannot be matched or validated.

IBPet is not liable for delays or cancellations arising from inaccurate billing information.

11. Price Changes & Adjustments

Prices displayed on IBPet.com are subject to change at any time without notice.

IBPet does not offer:

• Price matching
• Price adjustments after purchase
• Retroactive promotional discounts

The price paid at checkout is final and binding.

12. Currency & International Billing

All transactions are processed in U.S. Dollars (USD) unless explicitly stated.

IBPet is not responsible for:

• Currency conversion fees
• International processing fees
• Foreign transaction charges
• Exchange rate fluctuations

All such fees are imposed by your financial institution.

13. Fraud Prevention & Account Security

IBPet employs advanced fraud detection methods, including:

• Device fingerprinting
• IP and geolocation analysis
• Behavioral analytics
• Multi-layered risk scoring

IBPet may refuse, cancel, or investigate any order suspected of fraudulent activity.
Customers engaging in fraud may be permanently banned and reported to appropriate authorities.

14. Limitation of Liability

To the maximum extent permitted by law:

• IBPet is not liable for financial losses, overdraft fees, bank penalties, or indirect damages arising from payment delays, declines, or verifications
• IBPet is not responsible for unauthorized use of your payment method unless required by law
• IBPet’s total liability shall not exceed the value of the transaction in question

Nothing in these Billing Terms limits rights that cannot be waived under applicable law.

15. Amendments to Billing Terms

IBPet reserves the right to modify or update these Billing Terms at any time.
Revisions take effect immediately upon posting on the Services.

Continued use of the Services constitutes acceptance of the updated Billing Terms.

16. Contact Information

For billing inquiries or disputes, contact:

IBPet – Billing Support Team
Email: Support@IBPet.com
Address: [Insert Business Address]