Payment, Security & Dispute Policy

Hillyarn, the wholesale brand of Perfect Picks Enterprises, accepts international payments through approved banking and online payment channels.

Bank Wire / SWIFT Transfer: Preferred for larger wholesale orders and made-to-order manufacturing projects.

NIC ASIA CyberSource: Available for eligible Visa and Mastercard payments, including supported Apple Pay and Google Pay transactions where activated.

Hillyarn may specify the appropriate payment method for an individual order before order confirmation.

All wholesale payments must correspond to an approved Proforma Invoice, sample invoice, or other written order confirmation.

• Payments must be made only to the official business bank account or through a secure payment link provided by Hillyarn.
• Buyers should verify any unexpected changes to payment instructions using previously established contact information.
• Hillyarn does not request payment to unrelated personal bank accounts.
• Bank transfers should include the relevant invoice or order reference wherever possible.

Before making payment, buyers must review and expressly accept the applicable order terms, including:

• Product designs, specifications, quantities, and approved samples.
• Prices, shipping charges, and agreed payment arrangements.
• Estimated production and delivery schedules.
• Wholesale Terms & Conditions.
• Return, Refund & Cancellation Policy.
• This Payment, Security & Dispute Policy.
• Governing Law and Exclusive Jurisdiction provisions specifying Nepal.

Acceptance should be recorded through a signed Proforma Invoice, written email confirmation, or another verifiable electronic agreement.

Production will commence only after:

1. The agreed advance or full payment has been verified through the relevant bank or payment gateway.
2. Required designs, specifications, or samples have been approved.
3. Applicable order terms have been expressly accepted.

Payment screenshots, SWIFT receipts, or card authorization messages alone do not establish final receipt of funds.

Hillyarn may hold an order while reasonable payment verification, compliance, or fraud-prevention checks remain unresolved.

• Payments must be sent to the designated business bank account of Perfect Picks Enterprises in Nepal.
• Sending-bank fees and any intermediary charges allocated to the buyer under the agreed payment instructions are the buyer’s responsibility.
• Any shortfall caused by bank deductions must be resolved according to the agreed invoice terms.
• Production or dispatch may be delayed until the required funds are received and verified.
• Transfers affected by bank recalls, investigations, legal restrictions, or compliance reviews may be placed on hold pending clarification.

Bank Wire Transfers are not subject to ordinary Visa or Mastercard card chargeback procedures. However, banking recalls, fraud investigations, and legal or regulatory actions may still affect a transfer.

Eligible online payments are processed through NIC ASIA Bank’s CyberSource Payment Gateway.

Visa, Mastercard, Apple Pay, and Google Pay transactions are subject to availability, payment authentication, and the rules of the relevant banks, payment gateway, and card networks.

• Customers must use a payment method they are legally authorized to use.
• Hillyarn may request reasonable verification for suspicious or unusual transactions.
• Hillyarn may decline an unfulfilled order where payment security concerns cannot reasonably be resolved.
• Any funds received for an order that cannot proceed will be handled under applicable banking rules and law.

Hillyarn may conduct reasonable transaction checks to protect both buyers and the business.

Additional verification may be requested where payer details are inconsistent, delivery instructions change unexpectedly, or other material security concerns arise.

An order may be temporarily held before fulfillment while legitimate payment concerns are investigated.

Payment verification reduces risk but does not guarantee that a subsequent card dispute or chargeback cannot occur.

Cardholders may raise payment disputes with their issuing banks under applicable card network rules.

Disputes may concern unauthorized transactions, duplicate payments, non-delivery, significant product discrepancies, or eligible refunds that have not been processed.

Buyers are encouraged to contact info@hillyarn.com promptly so concerns can be reviewed and resolved where possible.

If a formal chargeback occurs, Hillyarn may submit relevant evidence through NIC ASIA Bank or the applicable payment provider.

Such evidence may include approved invoices, written buyer acceptance, transaction records, product specifications, correspondence, production records, courier tracking, and delivery confirmation.

Any settlement hold, temporary debit, chargeback fee, or payment reversal will be handled under the applicable merchant agreement and payment network rules.

Before Production Begins

Where cancellation is accepted before production begins, actual documented costs already incurred and non-refundable commitments made specifically for the order will be deducted from the advance. Any remaining refundable balance will be returned subject to applicable law.

After Production Begins

Once production has commenced on a confirmed made-to-order wholesale order, the buyer may not ordinarily cancel the order or reduce the confirmed quantity unilaterally.

Under the expressly accepted cancellation terms, the buyer remains responsible for 100% of the confirmed order value if cancellation is requested after production begins, unless Hillyarn agrees otherwise in writing, subject to applicable law.

Advance payments will be applied toward the order value. Any outstanding balance remains payable according to the agreed contract to the extent legally enforceable.

This clause does not remove valid remedies for Hillyarn’s own breach, verified non-conforming products, or rights that cannot legally be waived.

The standard wholesale MOQ is 50 pieces per design, unless otherwise agreed in writing.

Approved card refunds will normally be processed through the original authorized payment gateway and payment method, subject to the acquiring bank’s requirements.

Refunds through alternative channels will be considered only where permitted by the relevant payment provider and applicable law.

Approved bank transfer refunds will be sent through lawful banking channels to verified beneficiary details.

Processing times, bank charges, intermediary fees, and currency conversion differences may affect the final amount received, subject to agreed terms and applicable law.

Hillyarn will document refunds and adjustments to help prevent duplicate payments or recoveries.

The estimated production period for made-to-order wholesale products is generally 21–50 days after the required approvals, depending on the agreed order.

Specific production and shipping schedules will be recorded in the applicable order documents.

Hillyarn may maintain invoices, approved designs, sample records, production photographs, packing lists, export documents, courier tracking, and available delivery confirmations.

Shipping charges, customs duties, import taxes, insurance, and delivery responsibilities will be allocated according to the agreed quotation and shipping terms.

Buyers should notify Hillyarn promptly if they believe a payment has been duplicated, incorrectly charged, or transferred to an incorrect account.

Hillyarn will review the relevant records and coordinate with the appropriate bank or payment provider where necessary.

Verified erroneous or duplicate payments will be corrected or refunded through the appropriate channel in accordance with applicable payment rules and law.

Buyers should confirm the status of a delayed transaction before attempting a second payment.

All wholesale contracts and related transactions with Hillyarn shall be governed by and interpreted in accordance with the laws of Nepal.

The parties agree that the competent courts of Nepal shall have exclusive jurisdiction over contractual disputes arising from or relating to wholesale orders, payments, production, delivery, cancellation, returns, or refunds.

Buyers expressly agree to bring contractual legal proceedings against Hillyarn before the competent courts of Nepal rather than foreign courts.

Hillyarn does not consent to the jurisdiction of foreign courts or tribunals unless expressly agreed in a separate written contract.

Acceptance of this provision is a mandatory condition of wholesale order confirmation.

The version of this policy expressly accepted at order confirmation will form part of the agreed order terms, subject to applicable law.

Material changes will not be applied retroactively to confirmed orders without agreement, except where legally required.

Any special payment, cancellation, or refund arrangements must be documented in writing by authorized representatives.