Payment Policy

Last updated: August 27, 2026

This Payment Policy explains how Habitat Threads LLC, doing business as Loom & Lodge, accepts and processes payment for online orders.

1. Seller and currency

Seller: Habitat Threads LLC
Brand: Loom & Lodge
Address: 407 Mulberry St, Quitman, MO 64487, United States

All prices are in U.S. dollars (USD).

2. What the price includes

All prices displayed on the site:

Include applicable sales tax
Include shipping to eligible U.S. addresses

You will not be charged a separate tax line or shipping fee at checkout for eligible orders. If an order cannot be delivered to the address provided, it will be canceled and refunded.

3. Accepted payment methods

We accept the methods shown at checkout, which may include:

Visa
Mastercard
American Express
Discover
Debit cards bearing those marks
Digital wallets displayed at checkout, such as Shop Pay, PayPal, Apple Pay, or Google Pay, if enabled

We do not accept:

Cash on delivery (COD)
Personal checks or money orders mailed to us
Bank wire transfers for standard website orders
Cryptocurrency
Payment from a non-U.S. billing setup if our processor declines it for risk or location reasons

Available methods can vary by device, browser, and fraud checks.

4. When you are charged

Payment is authorized and charged when you place the order, unless checkout states that payment will be captured later.

An order is not complete until checkout is finished and we receive confirmation from the payment provider.

5. Payment processing

Payments are processed by third-party payment providers. We do not store full card numbers on our servers. The provider may collect billing details needed to complete the charge and prevent fraud.

By placing an order, you authorize us and our payment provider to charge the selected method for the order total.

6. Failed, declined, or incomplete payments

If payment is declined, the order is not accepted. Common reasons include insufficient funds, an expired card, a billing-address mismatch, or a fraud filter.

We are not responsible for fees your bank or card issuer may charge, including overdraft, foreign-transaction, or cash-advance fees.

7. Promotions and gift cards

Promo codes must be entered before checkout is completed. Unless we say otherwise, codes cannot be combined and have no cash value.

If we issue store credit or gift cards, unused balances are not redeemable for cash except where required by law.

8. Invoices and receipts

An order confirmation will be sent to the email address provided at checkout. Keep it for your records. If you need a copy, email support@loomandlodge.com with your order number.

9. Refunds

Refunds are issued to the original payment method only, as described in our Return & Refund Policy.

Eligible refunds are completed within 7 days after we receive and inspect the return, or after we cancel an unshipped order.
Your bank or card issuer may take additional time to post the credit.
We do not refund to a different card, cash, or third-party account.

10. Pricing errors and fraud

We may refuse or cancel an order if we detect obvious pricing errors, unauthorized use of a payment method, unusual order activity, or information that appears false.

If we already charged a canceled order, we will refund the charge.

11. Chargebacks

If you have a problem with an order, contact us first at support@loomandlodge.com or (570) 504-4623, Monday–Friday, 9:00 AM – 5:00 PM ET.

If you file a chargeback, we may provide the processor with order records, tracking, return records, and customer communications. Filing a chargeback does not replace our return process for unused goods.