Credit Card Policies

Owe Nothing On Fraudulent Transactions.

Visa's Zero Liability policy means 100% protection for you. Visa's enhanced policy guarantees maximum protection against fraud. You now have complete liability protection for all of your card transactions that take place on the Visa system. Should someone steal your card number while you're shopping, online or off, you pay nothing for their fraudulent activity. If you notice fraudulent activity on your card, promptly contact your financial institution to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions.**

Visa's Zero Liability policy took effect April 4, 2000, and is a great improvement on the previous policy. The former policy required that you report fraudulent activity within two business days of discovery. After this two-day period, you could be held responsible for up to £50 of the unauthorized charges. With the new Zero Liability policy, you're no longer required to report fraudulent activity within two days and you're not responsible for any fraudulent transactions made over the Visa network.

The Zero Liability policy covers all Visa credit and debit card transactions processed over the Visa network - online or off. The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.

For transactions on other networks, the liability decision is left to the financial institution that issued your card. The Issuer has the option of extending the same protections afforded by Visa's Zero Liability policy.

Get quick provisional credit for fraud losses.

Visa's cardholder protection policy requires all financial institutions issuing Visa products to extend provisional credit for losses from unauthorized card use within five business days of notification of the loss. However, many major financial institutions affiliated with Visa will issue provisional credit even earlier - within 24 to 48 hours after the loss is reported.

Shop safely with Visa.

Visa takes online security very seriously so that you can shop safely on the Internet. With the support of Member banks, Visa has invested millions of dollars in building a secure payment system. Visa works with law enforcement and technology companies to stay one step ahead of criminals.

As a result of these efforts, fraud as a percentage of our total volume has actually declined over time. In the early 1990s, fraud accounted for about 0.15 percent of total Visa transaction volume; today it's a mere 0.06 percent - that's less than 1/13 of one percent.

With Zero Liability, Visa continues to lead the card payment industry in consumer protection. Although card fraud is extremely rare and getting even rarer, Visa's policy eliminates any risk you face shopping online or off.

You're protected with Visa.

Visa has highly sophisticated fraud-screening solutions in place, and works with technology companies every day to enhance them. Field merchants also receive training from Visa on fraud protection.

Visa also mandates cardholder verification codes on the back of cards to help merchants match cards used for purchases with their authorized cardholders. Visa card Issuers should have these codes on all newly issued Visa cards as of 2001. Visa's address verification service also helps merchants screen card-not-present transactions.

Cardholders should always regularly check their monthly statements for transaction accuracy. Financial institutions may impose greater liability on the cardholder if the financial institution reasonably determines that the unauthorized transaction was caused by the gross negligence or fraudulent action of the cardholder - which may include your delay for an unreasonable time in reporting unauthorized transactions.

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American Express Online Fraud Protection Guarantee

Use the American Express Card online, and you won't be held responsible for any unauthorized charges. Period.

No fine print, no deductible — just ironclad protection, so you can shop with confidence anywhere on the Internet.

Discover ®Card is Named Favorite Card for Online Buying! 
In a recent study done by Britain Associates, Inc., Discover® Card was ranked number one, over all other major credit card issuers, as the favorite card for online buying. Over four million European consumers claimed that their Discover Card is the credit card they reach for most often when purchasing online.

Maximum Security

1. Generates a Single-Use Card Number when you buy online—your actual Discover® Card Account number will not travel the Internet
2. 100% Fraud Protection—guaranteed buying protection and Internet security.

Using Your Actual Discover Card Number

We recommend that you use your actual Discover Card Account number when an online retailer requires you to show your plastic Discover Card to receive your purchase. This may happen with airline or movie tickets. If you are uncertain, we suggest that you contact the retailer directly.

The staff at Western Union will ask for your telephone number, please give the phone number you entered on your consultation form so we can track your payment. If they request our number use our toll free number 1-877-842-4726. Once a payment has been made please email us will your control number and we will promptly process your order.

History of Western Union

Western Union represents one of the most respected money transfer agencies. They are global leader in money transfer and message services, with a history of pioneering service dating back more than 150 years.

Western Union continues today to help consumers and businesses securely transfer money or make payments using money orders and other electronic systems. Consumers can quickly and easily transfer money to more than 117,000 Western Union Agent locations in over 185 countries worldwide - the largest network of its kind. Western Union also markets more than one quarter billion money orders every year.

With about 1,800 employees and £1 billion in revenue, Western Union remains an industry leader with an eye toward providing fast and reliable money and messaging services.

In order to pay via Western Union simply check this option on the order form. Once the doctor approves your order you will receive an email with instructions on on how to send your payment.

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Checks or Money Orders

For the most efficient delivery pay via money order. We do accept checks, however, they must clear our bank prior to processing, which may take 5-7 business days.

In addition, If your money order is lost, you can present your customer receipt to and apply for a replacement. For a small fee, you can obtain a copy of a paid money order up to 2 years after the date that it is paid. This entity helps to protect our clients.

In order to pay with a check and/or money order simply check this option on the order form. Once the doctor approves your order you will receive an email with instructions on where to send payment.