Payment & Security

At QOSMILYO, we are committed to providing a secure, reliable, and convenient checkout experience for every customer. We value the trust placed in our brand and aim to make every purchase, from discovering a distinctive sculptural object to completing your order, as clear and straightforward as possible.

This Payment & Security Policy explains the payment methods available, payment authorization procedures, checkout security, refunds, payment verification, and related payment practices for purchases made through qosmilyo.com.

1. Payment Methods

Available payment methods for your order will be displayed during checkout.

Payment options may vary depending on your location, selected currency, device type, order value, and the payment service providers available at the time of purchase.

Only payment methods displayed as available during checkout can be used to complete your order. Please review the available options and select your preferred method before submitting payment.

2. Payment Authorization

All orders are subject to payment authorization, verification, and fraud-prevention review.

Your payment provider, issuing bank, card network, or other financial institution may approve or decline a transaction, request additional verification, place a temporary authorization hold, apply transaction limits, or require additional security checks.

QOSMILYO does not control the approval decisions, verification procedures, authorization hold periods, or release schedules of independent payment providers or financial institutions.

If your payment is declined, please verify your payment information, contact your bank or payment provider, or try another available payment method during checkout.

3. Checkout Security

QOSMILYO operates its online store through Shopify and works with participating third-party payment providers to support checkout and payment processing.

Depending on the payment method selected, transactions may be processed through systems operated by Shopify, payment processors, card networks, banks and financial institutions, or other authorized payment service providers.

We take reasonable steps to maintain a secure online shopping environment. However, no method of online transmission, electronic processing, or data storage can be guaranteed to be completely secure.

For your protection, we recommend using trusted devices and secure networks when making purchases, keeping your account credentials confidential, verifying that you are visiting qosmilyo.com before entering payment information, and avoiding the transmission of sensitive financial information through email or customer support messages.

QOSMILYO will never ask you to provide your complete credit card number, CVV or security code, online banking password, or other sensitive financial credentials by email.

4. Pricing and Order Total

Before completing your purchase, checkout will display the applicable product price, selected quantity, discounts or promotional adjustments, shipping charges, applicable taxes, and final order total.

Please review your order details carefully before submitting payment to ensure that the selected products, quantities, delivery information, and total amount are correct.

The amount displayed during checkout before your order is completed will generally be the amount authorized for the transaction, subject to any separate fees imposed by your bank or payment provider.

5. Currency and Foreign Exchange

Prices on qosmilyo.com are displayed and processed in U.S. dollars (USD) unless otherwise stated during checkout.

If your payment method uses a currency other than U.S. dollars, your bank, card issuer, or payment provider may apply currency conversion rates, foreign transaction fees, exchange-rate adjustments, or other financial institution charges.

These rates and charges are determined independently by your payment provider and are not controlled by QOSMILYO.

Please consult your financial institution if you require additional information about currency conversion or international transaction fees.

6. Temporary Authorization Holds

In some cases, your bank or card issuer may display a temporary or pending authorization before a payment has been fully completed.

A pending authorization does not necessarily mean that a final charge has been completed.

If a payment attempt is unsuccessful or an order is canceled, the time required for a temporary authorization to disappear depends on your bank, card issuer, or payment provider.

QOSMILYO does not control the release timing of these authorization holds. If a pending authorization remains visible longer than expected, please contact your financial institution for clarification.

7. Failed or Declined Payments

Payments may be declined for various reasons, including incorrect payment information, insufficient funds, bank or card restrictions, billing information mismatches, security verification requirements, fraud-prevention screening, payment-provider limitations, or technical and network issues.

If payment cannot be successfully authorized, your order may not be completed.

Please verify your payment details and contact your bank or payment provider if you need additional information regarding a declined transaction. You may also select another payment method displayed during checkout.

8. Duplicate or Unexpected Charges

If you believe you have been charged more than once for the same order, please first check whether one of the transactions appears as a pending or temporary authorization.

If you still believe an incorrect or duplicate charge has occurred, please contact our customer support team at service@qosmilyo.com.

To help us review your inquiry, please provide your order number, the email address used during checkout, the transaction date, and the amount charged.

For security reasons, please do not send your complete payment card number, CVV or security code, online banking password, or other sensitive financial credentials by email.

9. Discount Codes and Promotions

Discount codes, promotional codes, and special offers must generally be entered before checkout is completed.

Promotional offers may be subject to eligibility requirements, expiration dates, minimum purchase requirements, product exclusions, geographic restrictions, usage limits, and other promotion-specific conditions.

Unless expressly stated otherwise, discount codes cannot be combined with other offers, cannot be exchanged for cash, cannot be applied retroactively to completed orders, and may be limited to one use per customer or order.

The terms displayed with the applicable promotion will govern that offer. Please review the promotional conditions and final order total before completing your purchase.

10. Taxes and Other Charges

Applicable taxes and shipping charges will be displayed during checkout where required or supported.

International orders may also be subject to customs duties, import taxes, brokerage fees, clearance charges, or other local charges.

These charges depend on the destination country, local regulations, customs authorities, and applicable service providers.

Unless otherwise stated during checkout or required by applicable law, additional import-related charges are generally the responsibility of the recipient.

For further information regarding delivery arrangements and related charges, please review our Shipping Policy.

11. Refunds

Approved refunds are generally issued to the original payment method used for the purchase unless another method is required or permitted by the applicable payment provider or applicable law.

Once QOSMILYO issues a refund, your bank, card issuer, or payment provider may require additional processing time before the funds appear in your account.

Processing times vary and are determined by the relevant financial institution or payment provider.

For information about refund eligibility, return requirements, and applicable procedures, please review our Return & Refund Policy.

12. Payment Verification and Fraud Prevention

To help protect our customers and maintain the security of our online store, certain transactions may require additional review or verification.

QOSMILYO may delay fulfillment, request reasonable verification information, refuse an order, or cancel a transaction where reasonably necessary due to suspected fraud, unauthorized payment activity, failed payment verification, inconsistent transaction information, unusual order activity, or other reasonable security concerns.

If an order is canceled after payment has been successfully captured, an appropriate refund will be issued in accordance with our applicable policies, payment provider procedures, and applicable law.

These measures are intended to help protect customers, payment information, and the integrity of transactions processed through our store.

13. Payment Privacy

Information provided during checkout may be processed by QOSMILYO, Shopify, payment processors, banks and card issuers, fraud-prevention providers, shipping or fulfillment providers where necessary, and other service providers involved in completing your transaction.

The information processed will depend on the payment method selected, the requirements of the transaction, and the services involved in fulfilling your order.

For information about how QOSMILYO collects, uses, and protects personal information, please review our Privacy Policy.

Independent payment providers may also process information according to their own privacy policies, service terms, and applicable legal requirements.

14. Account and Payment Information Security

Customers are responsible for maintaining the security of their account information and taking appropriate precautions when accessing their accounts or completing purchases.

We recommend using strong and unique passwords, keeping login information confidential, avoiding sharing account access with unauthorized persons, using secure internet connections when making purchases, and reviewing order confirmations for accuracy.

If you believe your account or payment information has been used without authorization, please contact us as soon as possible. You should also contact your bank or payment provider where appropriate to report the suspected unauthorized activity and seek further guidance.

15. Contact Us

If you have questions regarding payments, charges, discount codes, checkout, refunds, or a transaction associated with your order, please contact our customer support team through the official channel below.

Brand: QOSMILYO

Website: qosmilyo.com

Legal Entity: Xuzhou Xiangfurui Trading Co., Ltd.

Registered Business Address: A-7K03-9, Chenggong Building, 16 Zhongshan South Road, Quanshan District, Xuzhou City, Jiangsu Province, China.

Unified Social Credit Code: 91320311MAEF0MQ529

Customer Support Email: service@qosmilyo.com

For order-related inquiries, please include your order number and the email address used during checkout so our team can assist you more efficiently.

Please do not send complete credit card numbers, CVV or security codes, account passwords, or online banking credentials by email.

qosmilyo.com is owned and operated by Xuzhou Xiangfurui Trading Co., Ltd. The company is responsible for the operation of the online store, customer service, order coordination, and related e-commerce activities.

At QOSMILYO, we believe a considered shopping experience begins with clarity and trust. From the distinctive character of our Ocular Sculptures to the natural material expression of Travertine and Marble and the organic forms of Botanical Sculptures, we aim to make every stage of your purchasing experience as thoughtful and dependable as the objects we offer.

QOSMILYO — Sculptural Forms. Natural Materials. Artful Living.