Secure Payments and Financial Processing Statement

Effective Date: December 2, 2025

Company Name: Fine Grain LLC

Company Address: 75 E 3rd St, Sheridan, WY 82801, United States

Website: https://www.branislavnenin.com/

Email: kontakt@branislavnenin.com

1. Purpose of This Statement

This Secure Payments and Financial Processing Statement explains how Fine Grain

LLC handles payments, financial transactions, and related security measures in

connection with its services.

The purpose of this Statement is to provide transparency regarding payment methods,

data protection practices, and the use of secure financial systems.

This Statement applies to all clients, customers, and entities making payments to the

Company.

2. Accepted Payment Methods

Fine Grain LLC accepts payments through secure and reputable financial channels,

which may include:

 Credit and debit card payments

 ACH bank transfers

 Domestic and international wire transfers

 Online payment processors, including Stripe

Available payment methods may vary depending on the client’s location, invoice terms,

or project scope.

3. Payment Processing and Third Parties

Payments are processed through third party financial service providers that specialize in

secure transaction processing.

These providers may include payment processors, banks, and financial institutions

operating under their own terms, privacy policies, and security standards.

Fine Grain LLC does not directly process or store full payment card numbers or

sensitive banking credentials.

4. Data Security and PCI Compliance

Where card payments are accepted, they are processed using systems that comply with

applicable Payment Card Industry Data Security Standards (PCI DSS).

Payment data transmitted during transactions is encrypted using industry standard

security protocols.

The Company implements reasonable administrative, technical, and organizational

measures to protect payment related information.

5. Storage of Financial Information

Fine Grain LLC does not retain full credit card numbers, CVV codes, or online banking

credentials.

Limited transaction records may be retained for accounting, reconciliation, and legal

compliance purposes, including invoice numbers, payment status, dates, and amounts.

6. Fraud Prevention and Monitoring

The Company relies on payment processors and financial institutions to perform fraud

detection, monitoring, and risk management.

Transactions suspected of fraud, misuse, or unauthorized activity may be delayed,

declined, or reported to the relevant provider.

The Company reserves the right to request additional verification where reasonably

necessary to protect against fraud.

7. Chargebacks and Disputes

In the event of chargebacks or payment disputes, Fine Grain LLC may share relevant

transaction records and documentation with payment processors or financial institutions

for dispute resolution purposes.

Clients are encouraged to contact the Company directly to resolve billing questions

before initiating chargebacks.

8. International Payments

For international clients, payments may be processed across borders and subject to

currency conversion, intermediary banking fees, or local regulations.

Any fees imposed by banks or intermediaries are the responsibility of the client unless

otherwise agreed in writing.

9. Limitations of Responsibility

While the Company uses reputable and secure payment systems, no financial

transaction system can guarantee absolute security.

Fine Grain LLC is not responsible for security failures, service interruptions, or errors

caused by third party financial service providers beyond its reasonable control.

10. Relationship to Other Policies

This Statement should be read in conjunction with the Terms of Service, Privacy Policy,

and Booking, Payments, Cancellation and Refund Policy.

In case of conflict, the Terms of Service prevail unless otherwise required by law.

11. Updates to This Statement

Fine Grain LLC reserves the right to update this Secure Payments and Financial

Processing Statement at any time.

Updated versions will be posted on the website with an updated Effective Date.

12. Contact Information

For questions regarding payment methods or financial processing, please contact:

Fine Grain LLC

75 E 3rd St, Sheridan, WY 82801, United States

Website: https://www.branislavnenin.com/

Email: kontakt@branislavnenin.com