Payment & Security Policy

Payment & Security Policy

We, at Progressive18, are committed to providing a reliable, secure, and transparent payment experience. This Payment & Security Policy explains the responsibilities of Progressive18 and the customer, as well as how transactions are processed and how client data is protected.

You accept the terms stated in this policy by placing an order on our website.

Secure Payment Processing

Certified third-party payment gateways that adhere to applicable security standards, such as PCI-DSS (Payment Card Industry Data Security Standards), process all payments made on Progressive18.

• Customers' full debit/credit card numbers, CVV codes, and banking credentials are not stored, processed or accessible by Progressive18.
  
• Using industry-standard security standards, payment information is encrypted and sent straight to the payment service provider.
  
• The issuing bank or payment provider must authorize and verify transactions in real time.

No form of electronic communication or storage is fully secure, even though we employ commercially reasonable safeguards. As a result, we are unable to ensure complete security for data transmitted over the internet.

Accepted Payment Methods

Progressive18 supports multiple secure payment options, which may vary by location and availability, including:

• Credit and debit cards (Visa, Mastercard, RuPay, and other approved networks) 
  
• In India, UPI and Net Banking
  
• We accept digital wallets through our payment gateway.
  
• International payment options, where applicable

During checkout, the available payment methods are shown, and they could change at any time without prior notice.

Payment Authorization & Order Confirmation

Payment permission and verification are required for all orders. Until our payment source has successfully authorized and acknowledged payment, an order is not deemed accepted or confirmed.

Progressive18 reserves the right, at its sole discretion, to cancel or refuse any order, including but not limited to cases involving:

• Payments that were failed, reversed, or disputed
  
• Incorrect product or pricing details
  
• Suspected illegal or fraudulent activities
  
• Unreliable, inaccurate, or incomplete customer information

In these situations, any money that has already been charged will be refunded in accordance with our policy for refunds.

Fraud Prevention & Risk Monitoring

Progressive18 uses risk-management and fraud detection techniques to protect customers and prevent illegal transactions, such as:

• Verification of address
  
• Behavioral risk analysis and transaction monitoring
  
• Manual review of specific orders

Before processing an order, we reserve the right to ask for more details or confirmation. Order cancellation or processing delays may occur if requested verification is not provided.

Pricing, Currency & Taxes

• Every price is shown in the currency that the customer has chosen and verified throughout the checkout process.
  
• Before the order is completed, any taxes, shipping costs, and other fees are shown.

Customers are solely responsible for any customs tariffs, import taxes, brokerage fees, or local levies that may be imposed by the destination country on overseas orders.

Delays, additional costs, or problems with clearance brought on by foreign governments or customs officials are not Progressive18's responsibility.

Data Protection & Customer Responsibilities

Progressive18 handles personal data in compliance with our privacy policy and any applicable data protection laws.

• Only the information required to complete transactions, fulfill orders, offer customer service and comply with legal requirements is collected and processed by us.
  
• We never rent or sell personal information to third parties.
  
• Only reliable service providers who are necessary for payment processing, logistics, or regulatory compliance are given access to information.
  
• To protect customer data, reasonable organizational, technical, and administrative measures are put in place.

Customers are responsible for maintaining the confidentiality of their login information and any activity carried out - via their accounts.

Limitation of Liability

To the maximum extent permitted by applicable law:

• Losses resulting from unauthorized transactions resulting from factors beyond Progressive18's reasonable control, such as malfunctioning third-party payment processors, internet outages, banking issues - or customer carelessness, are not our responsibility.
  
• Any indirect, incidental, consequential, or punitive damages resulting from payment processing problems or delays shall not be the responsibility of Progressive18.

This policy does not limit any lawfully binding statutory consumer rights.

Policy Updates

This Payment & Security Policy may be updated or modified at any time by Progressive18. Any changes will be immediately effective after they are published and posted on this page. Continued use of the website constitutes acceptance of the updated policy.

Contact Information

For payment-related questions, security concerns, or transaction issues, please contact us at: Email: store@progressive18.com