PODER DE RIQUEZA HOLDINGS LIMITED (NZBN 9429052765407; GST No. 146-612-997) trading as LA RIQUEZA GLOBAL SHOP NZ Effective Date: 11 August 2026
Shipping offer updated: 6 September 2026
Legal Notice: This Payment Policy is intended to set out the payment terms applicable to purchases made through La Riqueza Global Shop NZ. It is provided for general commercial purposes and should be read together with our Terms and Conditions of Sale and all other applicable policies. Nothing in this Payment Policy excludes, restricts, or modifies any rights or remedies that cannot lawfully be excluded, restricted, or modified under applicable New Zealand law.

 

1. INTERPRETATION AND APPLICATION

1.1 This Payment Policy governs payment-related matters for purchases from Poder De Riqueza Holdings Limited (NZBN 9429052765407; GST No. 146-612-997), trading as La Riqueza Global Shop NZ (“we”, “us”, “our”), accepted for delivery within New Zealand. By placing an order through our Website, you acknowledge this Payment Policy. 1.2 This Payment Policy forms part of, and must be read together with, our Terms and Conditions of Sale, Shipping, Returns & Refunds Policy, Privacy Policy, and any other policies, notices, or terms published on our Website from time to time. In the event of any inconsistency, the Terms and Conditions of Sale will prevail to the extent of the inconsistency, unless expressly stated otherwise. 1.3 In this Payment Policy, unless the context requires otherwise: “Website” means our online store and related checkout pages; “Order” means a request submitted by you to purchase goods from us; “Accepted Order” means an Order accepted by us in accordance with clause 6; “Dispatch” means when goods are released by us or our fulfilment provider for delivery; and “Payment Provider” means any third-party provider that processes, facilitates, verifies, or supports payment transactions. 1.4 Nothing in this Payment Policy is intended to exclude, restrict, or modify any consumer guarantee, right, remedy, obligation, or liability that cannot lawfully be excluded, restricted, or modified under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, or any other applicable New Zealand consumer protection legislation.

 

2. ACCEPTED PAYMENT METHODS

2.1 The payment methods currently available for an order are the methods displayed at checkout. These currently include:

• Cards (including Visa, Mastercard, American Express, and other supported card networks)
• Apple Pay
• Google Pay
• Link
• Afterpay / Clearpay
• Klarna

2.2 The methods shown at checkout may vary by device, browser, order value, customer eligibility, and payment-provider availability. Buy-now-pay-later services, including Afterpay/Clearpay and Klarna, are provided under the applicable provider’s own terms. We may add, remove, suspend, or vary available payment methods, subject to applicable law. 2.3 Any card surcharge, payment-provider fee or other mandatory charge imposed by us will be clearly disclosed before you confirm payment. Fees imposed independently by your bank or payment provider are outside our control.

 

3. CURRENCY

3.1 All prices are displayed and processed in New Zealand Dollars (NZD). 3.2 Your bank, card issuer or payment provider may apply its own account, processing or transaction fees. Those independently imposed charges are outside our control.

 

4. PRICING

4.1 We use reasonable endeavours to ensure that all prices, charges, and product information displayed on our Website are accurate and current. 4.2 If an obvious pricing, typographical, technical or system error is identified before dispatch, we may contact you to confirm whether you wish to purchase at the correct price or cancel the affected Order and receive a full refund. We will not rely on this clause where doing so would be misleading, unfair, or inconsistent with a non-excludable consumer right. 4.3 Prices may be updated at any time. Changes will not affect Orders that have already been accepted by us, subject always to any rights or remedies that cannot lawfully be excluded under applicable New Zealand law.

 

5.GST AND OTHER CHARGES

5.1 Unless otherwise stated, prices displayed on our Website include Goods and Services Tax (GST) where applicable under New Zealand law. 5.2 We accept orders only for delivery within New Zealand. Orders with a product subtotal of NZ$199.00 or more before coupon discounts qualify for free shipping to serviceable New Zealand delivery addresses, including products marked “Available to order”, as set out in our Shipping, Returns & Refunds Policy. No NZ$30 standard delivery fee applies to qualifying orders. Any other applicable amount charged by us will be clearly disclosed before you confirm payment.

6.PAYMENT AUTHORISATION AND ORDER PROCESSING

6.1 Unless otherwise agreed by us in writing, full payment must be successfully authorised, received, and cleared before an Order is accepted, processed, or dispatched. 6.2 An Order will not be binding on us unless and until we confirm acceptance of the Order, whether by issuing an order confirmation, commencing fulfilment, or dispatching the goods. An automated payment acknowledgement or checkout confirmation does not, by itself, constitute acceptance of an Order. 6.3 By placing an Order and submitting payment information, you represent and warrant that:

1. you are authorised to use the selected payment method;
2. the payment information provided is accurate and complete; and
3. sufficient funds or credit are available to complete the transaction.

 

 

 

7. PAYMENT SECURITY

7.1 Payments are processed by secure third-party payment service providers. Your payment may also be subject to the terms, conditions, security protocols, and privacy practices of the relevant payment provider. 7.2 La Riqueza Global Shop NZ does not store customers’ complete credit card or debit card details on its systems. 7.3 We take reasonable steps to protect payment information; however, to the maximum extent permitted by law, we do not warrant that electronic transmission, payment processing, or data storage will be uninterrupted, error-free, or completely secure.

8.FRAUD PREVENTION AND VERIFICATION

8.1 To protect our customers, payment providers, and business, we may undertake reasonable verification, authentication, fraud screening, and security checks before accepting, processing, or dispatching an order. 8.2 Where we reasonably suspect fraudulent activity, unauthorised payment, identity theft, payment misuse, chargeback abuse, or other unlawful or improper conduct, we may, to the extent permitted by law:

• request additional information or identification;
• delay processing while verification is completed;
• refuse or cancel the order;
• notify the relevant payment provider; or
• report suspected unlawful activity to the appropriate authorities where required or permitted by law.

 

9. CHARGEBACKS

9.1 Before initiating a chargeback, payment reversal, or payment dispute with your financial institution, card issuer, or payment provider, you are encouraged to contact our customer support team so that we may have a reasonable opportunity to investigate and resolve the matter. 9.2 Where a chargeback or payment dispute is initiated in respect of goods that have been dispatched, delivered, or otherwise supplied, we reserve the right to dispute the chargeback and provide transaction records, delivery confirmations, communications, and other supporting documentation to the relevant payment provider or financial institution. 9.3 Nothing in this section limits any rights customers may have under applicable New Zealand law.

 

10. REFUNDS

10.1 Approved refunds will be processed to the original payment method unless that is not reasonably practicable, another method is required by law, or you agree to another method. We will not substitute store credit for a monetary refund where New Zealand law gives you a right to a monetary refund. 10.2 Refund processing times may vary depending on the customer’s financial institution or payment provider. 10.3 Refund eligibility, return requirements, and any related remedies are governed by our Shipping, Returns & Refunds Policy and any non-excludable rights available under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, or other applicable New Zealand consumer protection legislation.

 

11. BUY NOW, PAY LATER SERVICES

11.1 Where Afterpay / Clearpay and Klarna is available at checkout, your use of that service is subject to Afterpay / Clearpay and Klarna’s separate terms, conditions, fees, eligibility criteria, and privacy practices. 11.2 Questions relating to repayment schedules, fees, account management, or credit assessments should be directed to the relevant Buy Now, Pay Later provider.

12.PAYMENT DISPUTES AND ERRORS

12.1 If you believe that an incorrect payment has been processed, an unauthorised transaction has occurred, or a payment error has arisen, you must notify us as soon as reasonably practicable so that we may investigate the matter. 12.2 We will use reasonable endeavours to investigate and resolve payment-related concerns promptly and fairly, having regard to applicable law, payment provider rules, and the information available to us.

13.AMENDMENTS TO THIS PAYMENT POLICY

13.1 We may amend, update, or replace this Payment Policy from time to time by publishing the revised version on our Website or otherwise making it available to you. 13.2 Unless otherwise stated, the revised Payment Policy will apply to orders placed after the revised version has been published or made available.

14.CONTACT DETAILS

14.1 All notices, enquiries, communications, or requests relating to this Payment Policy should be directed to La Riqueza Global Shop NZ using the contact details set out below. Communications will be deemed received only when actually received by us, unless otherwise required by applicable law. Legal Notice Contact Block Entity: Poder De Riqueza Holdings Limited (NZBN 9429052765407; GST No. 146-612-997), trading as La Riqueza Global Shop NZ NZBN: 9429052765407 Email: support@lariquezaglobal-shop.co.nz Phone/WhatsApp: +64 21 337 735 Postal Address: 544C Kaikorai Valley Road, Kenmure, Dunedin 9011, New Zealand Website: www.lariquezaglobal-shop.co.nz Data Privacy Disclaimer: Any personal information provided when contacting us will be collected, used, stored, and handled for the purpose of responding to your enquiry, administering this Payment Policy, and complying with applicable legal or regulatory obligations. We will handle personal information in accordance with our Privacy Policy and applicable New Zealand privacy laws.