Last Updated: April 16, 2026

At By Old Money, we want every step of your shopping journey to feel seamless and secure. This policy covers the payment methods we accept, how your transactions are processed safely, and the billing conditions that apply to your orders. By Old Money is owned and operated by Novus Invictus LLC.

1. Accepted Payment Methods

We support a broad selection of trusted payment options to give you maximum flexibility at checkout. All payments are processed in US Dollars (USD). You can complete your order using any of the following:

• Credit and Debit Cards: Visa, Mastercard, Discover, along with Diners Club.
• Digital Wallet Options: Shop Pay, Google Pay, and Apple Pay.

2. Secure Transaction Processing

Protecting your financial data is our priority. Every transaction passes through industry-standard encryption and meets PCI-DSS (Payment Card Industry Data Security Standard) requirements. Your sensitive payment information is encrypted and routed directly to the payment processor for handling.

3. Payment Privacy & PCI Compliance

By Old Money does not store or have access to your full credit card details.

• All payments are handled via secure, third-party payment gateways that maintain PCI DSS compliance.
• Your payment information is only used for the specific transaction you authorize, and is processed using the highest level of encryption available.

4. Billing Terms & Payment Conditions

• Charges at Checkout: The payment method you choose will be billed at the moment you complete your order during checkout.
• International Cards: Customers using cards issued outside of the United States may incur a small currency conversion fee from their bank, which is beyond our control.
• Order Confirmation: Once your payment has cleared, an automatic confirmation email will be sent to you. If it doesn't arrive, please check your spam folder or get in touch with us at support@byoldmoney.com.

5. Transparent Pricing

• The final amount presented at checkout is the total you'll be charged by By Old Money.
• No Hidden Fees: We never apply additional "handling" or "convenience" charges during payment processing.

6. Sales Tax

• Tax Collection: Sales tax is charged on orders dispatched to states in which By Old Money has a legal duty to collect it (often referred to as "tax nexus"). The relevant tax is automatically calculated and shown at checkout based on your shipping destination within the United States.
• Economic Thresholds: Current state legislation may require us to collect sales tax in further states once our sales figures in those jurisdictions pass the statutory thresholds (generally in the region of $100,000 in yearly sales).
• Clear Display: The precise tax amount, where applicable, will always be visible to you at checkout prior to confirming your payment.

7. Fraud Prevention & Security Measures

To keep both our customers and our business safe:

• Every order goes through a standard fraud verification check.
• If a payment is flagged as high-risk, we may reach out to you for additional verification or cancel the order to protect your interests.
• Our site, https://byoldmoney.com/, uses SSL (Secure Socket Layer) encryption to keep all data exchanged between your browser and our store private.

8. Declined Payments & Troubleshooting

If your payment does not go through at checkout, please verify the following:

1. That the billing address you entered matches the one registered with your bank.
2. That your card is still within its expiration date.
3. That you have adequate funds available on your account.
4. If the issue continues, please reach out to your bank or consider trying a different payment method (such as Apple Pay).

9. Refund Method

When a return or cancellation occurs (in accordance with our Return & Refund Policy), all refunds will be issued exclusively to the original payment method used at checkout. For reasons related to security and anti-money laundering compliance, we cannot process refunds to a different card or bank account.

10. Digital Invoices

Once your payment has been successfully processed, a digital invoice will be emailed to you. This document acts as your proof of purchase and contains your order reference, item breakdown, and the total amount paid in USD.

11. Business Contact Information

Ownership and Operation: By Old Money is operated by Novus Invictus LLC

Registered Company Name: Novus Invictus LLC

Company Registration Number: 2026-001882100

EIN: 98-1913987

Address: 30 N Gould St #31823, Sheridan, WY 82801, USA

Email: support@byoldmoney.com

Phone: +1 917 793 0774

Business Hours: Monday to Saturday, 9:00 AM to 6:00 PM (GMT-05:00) Eastern Standard Time