Payment Policy

Effective Date: February 11, 2026

This Payment Policy explains how payments are processed when you purchase physical merchandise or digital products from Kirk Lynn Agency Store.

Kirk Lynn Agency Store is owned and operated by Peacewise, LLC.

1) Accepted Payment Methods

We currently accept online payments through:

  • Stripe (Credit/Debit Cards):
    Visa
    Mastercard
    American Express
    Discover

Additional payment methods may be added at checkout in the future.

All payments must be successfully authorized before an order is processed.

2) When You Are Charged

You are charged at the time you place your order.

Orders will not be processed until payment authorization is successfully confirmed.

For digital products (eBooks – PDF downloads), download access is granted only after successful payment confirmation.

If a transaction fails or is declined, the order will not be completed.

3) Pricing & Checkout Transparency

Your checkout total may include:

  • Product price

  • Flat shipping fee of $5.00 (for physical products only)

  • Any applicable taxes (if required by law in the future)

Digital products do not incur shipping fees.

The final amount displayed at checkout is the total amount charged.

We do not add hidden fees after checkout.

4) Payment Security

We use industry-standard safeguards to protect payment data:

  • SSL/TLS encryption during checkout

  • PCI-compliant third-party payment processing

  • Tokenized transaction identifiers

We do not store full credit card numbers or CVV codes on our servers.

Payment processing is handled by secure third-party providers.

5) Failed or Flagged Transactions

A payment may be declined due to:

  • Insufficient funds

  • Bank fraud detection systems

  • Incorrect billing information

  • Suspicious activity signals

If your payment fails, you may retry with corrected information or use a different payment method.

We reserve the right to cancel or refuse orders that appear fraudulent or violate our Terms of Service.

6) Refund Processing

Refunds are governed by our Refund & Returns Policy.

If a refund is approved:

  • It will be issued to the original payment method

  • Processing typically occurs within 5 business days

  • Your bank or card issuer may require additional time to post the refund

We are not responsible for delays caused by banking institutions.

7) Chargebacks & Payment Disputes

If you initiate a chargeback without contacting us first:

  • We may suspend or restrict future transactions

  • Digital access may be revoked

  • We may provide transaction records to the payment processor as part of dispute resolution

We encourage customers to contact us directly to resolve issues before filing a dispute.

8) Currency

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

Your card issuer may apply foreign transaction fees if applicable.

9) Contact Information

For billing or payment questions, contact:

Kirk Lynn Agency Store
Owned and operated by Peacewise, LLC

12012 Downey Avenue, Unit E
Downey, CA 90242
United States

Store Email: [email protected]
Business Email: [email protected]
California Entity File Number: 201915810430