Payment and Refund Policy

These Payment and Refund Rules (hereinafter — the “Rules”) regulate the relationship between the Provider and the Customer regarding the payment for services under the Agreement and the refund of the paid amount in case of early termination of the Agreement.

  1. The final cost of the Services is determined based on the goods/services selected by the Customer. Payment for the Services is made in a cashless manner by one of the methods indicated on the Website, at the Customer’s choice, by transferring funds to the Provider’s account.
  2. When paying on the Website or through the Personal Account, VISA, MasterCard, ELKART cards, as well as electronic wallets, are accepted.

Payments are processed in accordance with the rules of international payment systems Visa and MasterCard (hereinafter — the “payment systems”) on the principles of confidentiality and payment security using modern methods of verification, encryption, and data transmission through secure channels. For questions about the rules and procedures of payment through payment systems, the Customer is guided by the rules of the relevant payment systems and contacts their operators directly. The Provider reserves the right to provide information support regarding payment through payment systems within its competence, but nothing in these Rules obliges the Provider to provide such support or be responsible for the completeness of the information provided or the consequences of the Customer’s choice of payment method and/or payment system.

  1. To pay for Services by Visa or MasterCard, when choosing the payment method, the Customer must click the “Pay by card” button and then press “Pay” to complete the payment.
  2. Payment for the order is processed after redirection to the secure payment page of the payment system operator and/or the relevant bank to enter card details. The connection to the payment page and data transfer is performed in secure mode using 3D Secure technology.

On the payment page, the Customer must enter card details: card number, cardholder name, card validity period, and the three-digit security code (CVV2 for VISA or CVC2 for MasterCard). All necessary details are printed on the card itself. The three-digit security code is the digits on the back of the card. If the Customer’s bank supports secure internet payment technologies (MasterCard SecureCode, Verified by Visa), a special password may be required.

  1. The Customer’s card details are not stored on the Provider’s server or the Website, and the Provider has no access to them.

Confidentiality of the Customer’s data, including personal data and payment details, is ensured by the payment system operator and/or the Customer’s bank.

The data entered by the Customer, including payment details and card information, is not disclosed to third parties except as required by the laws of the Kyrgyz Republic.

  1. Payment may be declined by the bank in the following cases:
    1. The card is not enabled for online payments — the Customer must check this with their bank.
    2. Insufficient funds on the card.

The Customer can check available funds by contacting the issuing bank.

    1. Card details entered incorrectly;
    2. Expired card validity period.

The validity period is usually indicated on the front of the card (month/year). The Customer can confirm the validity period by contacting the issuing bank.

  1. The Provider does not control the hardware and software of the payment system and/or the bank. If funds were debited but the payment was not authorized by the payment system and/or bank, responsibility for refunding the funds lies with the payment system operator and/or the relevant bank.
  2. Refunds of amounts paid by the Customer may be made in the following cases:
    1. The service/product was not provided due to the Provider’s fault within the agreed time;
    2. The Customer requested termination of the Agreement and a refund before the service was provided;
    3. In other cases specified in clause 14 of this Appendix.
  3. A full or partial refund is made by the Provider on the basis of a written request from the Customer sent to the Provider’s email: handmade.in.kg@gmail.com.

The Provider may require the Customer to complete an approved refund request form.

  1. If the Customer cancels the Agreement before the Provider delivers the product/service (except for payments made with credit funds), the Provider refunds 100% of the paid amount.
  2. If the Customer cancels the Agreement before the Provider delivers the product/service paid with credit funds, the Provider refunds the amount to the relevant bank, less commissions charged by the bank. The Provider is not responsible for and does not reimburse the Customer for interest charged by the bank under the Customer’s loan agreement.
  3. If the Customer cancels the Agreement within 30 calendar days from the date of delivery of the product/service, the Provider refunds 50% of the paid amount. For payments made with credit funds, refunds are sent to the relevant bank, less bank commissions. The Provider is not responsible for and does not reimburse bank interest.
  4. For clarity: when canceling services paid with credit funds (consumer loans, installments, etc.), the refundable amount and Provider’s expenses are calculated based on the amount actually received by the Provider from the bank.
  5. If the Customer cancels the Agreement after 30 calendar days from the date of delivery of the product/service, no refund is made.
  6. Refunds are processed to the same account from which payment was made within up to 30 days from the date of receiving the Customer’s request (the exact time depends on the issuing bank).
  1. If the Customer’s payment details have changed, or if payment was made with credit funds, the Customer must indicate the correct bank details for the refund in the request form.

If the Customer fails to indicate correct bank details, the Provider is not responsible for incorrect, late, or failed refunds.