At ROSIQA, we are committed to providing a secure, transparent, and convenient shopping experience. This Payment Policy outlines the terms and conditions governing all payments made through our website for the purchase of artificial jewelry and related accessories.

By placing an order on the ROSIQA website, you acknowledge and agree to the terms set forth in this Payment Policy.

1. OVERVIEW

ROSIQA offers customers multiple secure payment options to facilitate safe and convenient online transactions. All payments made on our website are processed through authorized third-party payment service providers that employ industry-standard security measures. Customers are responsible for ensuring that all payment information provided during checkout is accurate, complete, and authorized for use.

ROSIQA reserves the right to refuse, cancel, or suspend any transaction that violates this policy or appears fraudulent, unauthorized, or suspicious.

2. ACCEPTED PAYMENT METHODS

ROSIQA may accept one or more of the following payment methods, depending on availability and customer location:

Digital Payments

• UPI (Google Pay, PhonePe, Paytm)

Debit and Credit Cards

• Visa
• Mastercard
• RuPay
• American Express (where available)

Net Banking

• Supported banking institutions available through the payment gateway

Digital Wallets

• Approved digital wallet services available at checkout

Cash on Delivery (COD)

Available only in selected locations, subject to order value and courier service availability.

ROSIQA reserves the right to modify, add, suspend, or discontinue payment methods without prior notice.

3. PAYMENT AUTHORIZATION

By submitting payment information, customers confirm that:

• They are legally authorized to use the selected payment method.
• The payment information provided is accurate and complete.
• The transaction does not violate any applicable laws or regulations.
• Sufficient funds or credit are available to complete the purchase.

All transactions are subject to verification and approval by the relevant payment service provider. ROSIQA shall not be responsible for payment failures caused by banking institutions, payment gateways, card issuers, network issues, or customer-related errors.

4. ORDER CONFIRMATION AND PAYMENT ACCEPTANCE

An order shall be considered confirmed only after:

• Successful payment authorization.
• Receipt of payment confirmation from the payment gateway.
• Order acceptance by ROSIQA.

A payment transaction alone does not guarantee acceptance of an order. ROSIQA reserves the right to reject or cancel any order due to:

• Product unavailability.
• Pricing errors.
• Fraud prevention measures.
• Payment verification issues.
• Regulatory compliance requirements.
• Technical system errors.

If an order is cancelled after payment has been successfully received, the customer will be eligible for a refund in accordance with our Refund Policy.

5. TAXES AND ADDITIONAL CHARGES

Applicable taxes, duties, fees, or government-imposed charges may be included in or added to the final purchase amount depending on applicable laws and regulations. The final payable amount displayed during checkout will include:

• Product price
• Shipping charges (if applicable)
• Applicable taxes
• Additional service fees (if applicable)

Customers are responsible for any import duties, customs charges, local taxes, or governmental fees applicable to international shipments unless otherwise stated.

6. CASH ON DELIVERY (COD)

Where available, ROSIQA may offer Cash on Delivery services. COD orders may be subject to:

• Geographic availability
• Maximum order value restrictions
• Verification procedures
• Additional service charges

ROSIQA reserves the right to refuse COD service for certain products, locations, or customers based on operational considerations. Repeated refusal of COD orders may result in restrictions on future COD purchases.

7. FAILED OR DECLINED PAYMENTS

A transaction may fail or be declined due to:

• Insufficient funds
• Expired payment cards
• Incorrect payment information
• Bank authorization failure
• Network connectivity issues
• Fraud prevention checks
• Payment gateway interruptions

If a payment fails, customers should verify their payment details and attempt the transaction again using a valid payment method. ROSIQA shall not be liable for losses arising from failed payment attempts caused by third-party financial institutions or service providers.

8. DUPLICATE OR EXCESS PAYMENTS

In the event that a customer is charged more than once for the same order due to technical issues, payment gateway errors, or system malfunctions, ROSIQA will investigate the matter and process any verified excess payment refunds. Customers should report duplicate charges promptly by contacting our support team and providing:

• Order number
• Payment reference number
• Transaction details
• Supporting payment evidence

Refund processing timelines may vary depending on banking and payment provider procedures.

9. PAYMENT SECURITY

ROSIQA takes reasonable measures to ensure payment security and customer data protection. Payments are processed through secure payment gateways that utilize encryption technologies and industry-standard security protocols. For customer protection:

• ROSIQA does not store complete card details.
• Sensitive payment information is handled by authorized payment processors.
• Customers should never share payment credentials with unauthorized individuals.

While reasonable security measures are implemented, no online transaction system can guarantee absolute security. Customers are encouraged to use secure devices and trusted internet connections when making purchases.

10. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, ROSIQA shall not be liable for:

• Banking system failures.
• Payment gateway outages.
• Unauthorized access caused by customer negligence.
• Delays in financial processing.
• Third-party service interruptions.
• Consequential or indirect financial losses.

Nothing in this policy shall limit rights available under applicable consumer protection laws.

ROSIQA reserves the right to modify, update, amend, or replace this Payment Policy at any time without prior notice. Changes become effective immediately upon publication on the website. Customers are encouraged to review this policy periodically to remain informed of current payment procedures and requirements.