PAYMENT POLICY

Website: https://cophiefashion.com/
Business Entity: COPHIE Household Business

1. Scope of Application

This Payment Policy sets out the payment methods available for orders placed on the COPHIE Fashion website, the principles governing payment processing and refunds, and the rules for using reward points or redeemable promotional benefits, if applicable.

COPHIE is committed to providing clear payment information so that customers can understand and choose a suitable payment method before confirming an order.

2. Available Payment Methods

Customers may select from the payment methods displayed or communicated at the time of ordering. Depending on the options actually supported for a particular order, these methods may include the following:

2.1. Cash on Delivery (COD)

  • Customers pay the delivery service provider when receiving their products, provided that COD is available for the relevant order.
  • The amount payable is determined according to the confirmed order details, including product prices, shipping fees, and other applicable charges, if any.
  • Customers are encouraged to check their order details and the external condition of the package upon delivery, subject to the applicable delivery conditions.

2.2. Online Payment

If online payment is supported by the website, customers may pay using the methods displayed at checkout, such as payment cards, electronic wallets, or integrated payment gateways.

  • Customers should verify the payment amount and order details before confirming the transaction.
  • Transaction processing is subject to the systems and procedures of the relevant payment service provider.
  • Customers should never disclose their passwords, one-time passwords (OTPs), or other security credentials to unauthorized persons.

2.3. Bank Transfer

If COPHIE offers bank transfer as a payment method, the relevant bank account details and transfer instructions will be provided during the ordering process or through COPHIE’s official communication channels.

Customers should transfer the correct amount to the designated account, use the required payment reference where applicable, and retain transaction receipts for verification. An order may be processed after COPHIE confirms receipt of the valid payment.

2.4. Other Payment Methods

Other payment methods, if available, will be published on the website or clearly communicated to customers before the order is confirmed.

Only payment methods officially published or confirmed by COPHIE will be considered applicable to an order.

3. Payment Confirmation and Processing

3.1. Before completing an order, customers should review the products, quantities, product prices, shipping fees, related charges, and total amount payable.

3.2. For online payments or bank transfers, additional time may be required for the payment system or COPHIE to verify the transaction status.

3.3. If a payment fails, is declined, or has not been recorded, customers should check the information provided by their bank or payment service provider and contact COPHIE for assistance if necessary.

3.4. If an amount has been debited but the order has not been confirmed, COPHIE will assist in verifying the transaction based on valid information provided. Processing time may depend on the relevant bank or payment service provider.

3.5. Customers are advised to retain their order number, payment receipt, or transaction confirmation until the transaction has been completed.

4. Refund Policy

Refunds may be issued when an order meets the applicable conditions under COPHIE’s return and refund policy, when an order is validly canceled, or in other circumstances required by applicable law.

4.1. Eligible Refund Situations

Refunds may be considered in the following circumstances:

  • An order has been paid for but is validly canceled and qualifies for a refund.
  • A product return is accepted under COPHIE’s applicable return and refund policy.
  • A duplicate or excess payment has been verified.
  • A transaction error or another circumstance requires a refund under a valid agreement or applicable law.

4.2. Refund Methods

Depending on the original payment method and the circumstances, refunds may be processed through one of the following methods:

  • Online Payment: Refunds may be returned to the original payment method or another method supported by the payment service provider.
  • Bank Transfer: Refunds may be transferred to a valid bank account provided by the customer after the relevant information has been verified.
  • Cash on Delivery (COD): If the customer has paid for the order and qualifies for a refund, COPHIE will provide instructions for an appropriate refund method, such as a bank transfer.

COPHIE may request the information necessary to verify the recipient and the relevant transaction. Customers should never disclose their banking passwords, OTPs, or other security credentials to receive a refund.

4.3. Refund Processing Time

The time required to process a refund depends on verification of the request, the condition of the products, the original payment method, and the procedures of the relevant bank or payment service provider.

COPHIE will inform customers of the processing status where appropriate. The time it takes for refunded funds to appear in the customer’s account may vary depending on the payment service provider. Where applicable law establishes a specific deadline, the refund will be processed in accordance with that deadline.

4.4. Refund Conditions and Related Charges

Refunds will be processed after the relevant order details and eligibility conditions have been verified. Any related charges, if applicable, will be handled in accordance with the published policies, valid agreements between the parties, and applicable laws.

COPHIE will not apply arbitrary or unlawful deductions to amounts that customers are entitled to receive as refunds.

5. Payments for Product Returns or Service Termination

5.1. When a customer requests a product exchange or return, the treatment of any amount already paid will be determined in accordance with COPHIE’s published return and refund policy and applicable laws.

5.2. If a return is approved and the customer qualifies for a refund, COPHIE will provide information about the refund method and any details required to complete the process.

5.3. If an order is canceled before payment is made, the customer will not be required to pay for that order unless another lawful obligation has been clearly disclosed.

5.4. If an order has been paid for before a valid cancellation, the refundable amount will be determined according to the applicable conditions and legal requirements.

5.5. If services are offered through the website and a customer requests to terminate a service, any settlement or refund will be handled in accordance with the relevant service terms and applicable laws. If COPHIE does not offer such services, this section does not apply.

6. Reward Points, Point Refunds, and Redeemable Benefits

If COPHIE introduces a reward points program, point refunds, or promotional benefits with a redeemable value, the applicable conditions will be disclosed in the relevant program terms or on the website before customers participate.

Depending on the program, the disclosed information will include:

  • How Points Are Earned: Points may be earned through eligible transactions, promotional programs, or other activities specified in the program terms.
  • How Points Can Be Used: Points may be used to obtain discounts or redeem eligible benefits, products, or privileges permitted under the program.
  • Scope of Application: Eligible products, orders, validity periods, and shopping channels where points may be used.
  • Conditions of Use: Minimum order values, expiration dates, eligible participants, and other applicable requirements.
  • Conversion Rate: The rate at which points are converted into discounts or corresponding benefits, if the program specifies one.
  • Redemption Limits: Maximum points usable per order, maximum discount amounts, order-level limits, or other restrictions.
  • Responsibilities of the Parties: COPHIE is responsible for publishing and implementing the program in accordance with its disclosed terms. Customers are responsible for complying with the program’s participation and redemption conditions.

Reward points and redeemable benefits cannot be converted into cash or redeemed for cash withdrawal.

The adjustment, cancellation, or treatment of points when an order is canceled, products are returned, or a transaction is deemed invalid will be handled in accordance with the published program terms and applicable laws.

If COPHIE does not operate a reward points, point refund, or redeemable benefits program, this section does not apply.

7. Payment Information Security

Customers should provide accurate information when making payments and use only the official payment channels published or confirmed by COPHIE.

COPHIE will process payment-related information for transaction purposes in accordance with its published Privacy Policy and applicable laws. Information processed by banks or payment service providers will also be subject to the relevant providers’ terms and privacy policies.

Customers are responsible for protecting their login details, passwords, OTPs, and other authentication information. Any suspicious activity involving an order or payment transaction should be reported to COPHIE through its official contact channels.

8. Payment-Related Feedback and Complaints

Customers who have questions or complaints regarding payment amounts, failed transactions, duplicate payments, refunds, or reward points may contact COPHIE through the official contact channels published on the website.

To facilitate verification, customers should provide their order number, transaction date and time, relevant amount, and supporting documents where necessary. COPHIE will receive, verify, and handle such matters in accordance with the Complaints, Requests and Feedback Handling Policy published on the website.

9. Final Provisions

This Policy takes effect from the date it is published on the COPHIE Fashion website and may be updated to reflect changes in business operations and applicable laws and regulations.

Any amendments will be published on the website. Customers are encouraged to review the current Policy before placing an order or making a payment.

Business Entity: COPHIE Household Business
Website: https://cophiefashion.com/