1. Accepted Payment Methods
- We accept payments via bank transfer, debit/credit card, and select cryptocurrencies.
- All transactions are processed through secure, encrypted channels.
- Payment methods may vary depending on transaction type and user location.
2. Payment Processing
- Payments are held in escrow until the transaction terms are fulfilled.
- Funds are only released to the seller or service provider upon confirmation from both parties.
- Typical processing time is 1–2 business days, depending on payment method.
3. Refund Policy
- Refunds are only issued if the transaction is canceled before funds are released or after a dispute resolution in favor of refund.
- Refunds are processed using the original payment method.
- Processing times may vary depending on financial institution policies.
4. Transaction Fees
- HHLA Escrow charges a nominal service fee per transaction.
- Fees are disclosed upfront before users confirm the transaction.
- Fees can be split between parties or paid by a single party, as agreed.
5. Currency Support
- HHLA supports transactions in EUR, USD, and select cryptocurrencies.
- Currency availability depends on the nature of the transaction and user location.
- Exchange rates are based on market rates at the time of transaction.
6. Late or Failed Payments
- If payment is not received within the required time frame, the transaction will be canceled.
- Failed payments due to technical or banking issues will require re-initiation by the user.
- Repeated failed payments may result in account review or restriction.
7. Dispute and Chargeback Policy
- Chargebacks filed without attempting to resolve issues through HHLA may result in account suspension.
- Disputes must be submitted through the platform’s resolution system.
- Our team will mediate fairly based on provided documentation.
8. Changes to Payment Policy
- HHLA reserves the right to update this policy at any time.
- Major changes will be communicated to users via email or in-app alerts.
