What happens to your card details

The Payment Card Industry Data Security Standard is the rulebook that applies to anyone who stores, processes or transmits cardholder data. The heaviest obligations fall on whoever actually handles the card number.

This shop is arranged so that it never does. The card form is served by the payment provider, on their infrastructure, under their certification. That keeps your number out of our systems entirely — which is a far stronger protection than any promise we could make about how carefully we would look after it.

The obligations that remain ours — keeping the payment page free of tampering, controlling what scripts run on it, serving everything over HTTPS — are ours, and we meet them. This site loads no third-party scripts of any kind. There is no analytics tag, no advertising pixel and no external font or stylesheet on any page.

Both credit and debit cards of these schemes are accepted. There is no surcharge for using any particular card — surcharging consumer cards has been unlawful in the UK since 2018 and we would not do it in any case.

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Vowline, or H & Y JEWELLERY LIMITED depending on your bank.

Currency

Pounds sterling (GBP). Cards issued abroad are converted by your own bank at its rate.

When you are charged

Once, in full, when the order is placed. There is no recurring charge and no deposit arrangement.

Refunds

Go back to the same card. Five to ten working days to appear, depending on the bank.

Under the Payment Services Regulations most online card payments need a second check, usually a prompt in your banking app or a code by text. If that step fails the payment does not complete and no order is created. Try again, or use a different card, or call us and we will take it another way.

Contact your bank first — they can stop a card immediately, which matters more than anything we can do. Then write to support@hyjewelleryuk.shop and we will tell you what we hold against that transaction and cancel any order attached to it.

We will never ask you for a full card number, a PIN, a security code or a banking password, by email, by telephone or by any other means. If you receive a message that appears to come from us asking for any of those, it did not come from us.

There is no finance option at any stage of an order here. Consumer credit is a regulated activity, and this shop neither offers it nor introduces customers to firms that do. Terms

An order reference, the amount, the outcome, and the last four digits of the card with its scheme — enough to match a refund to a payment and to answer a query. Order records are kept for six years to meet HMRC requirements. Privacy notice