Purchasing - Payment Policy
Effective Date: 2025/01/13
Last Updated: 2025/02/13
Welcome to MajoCreative MajOrganis Web Site ("we," "us," "our"). This Payment Policy outlines the terms and conditions governing payment transactions on our multivendor platform, which operates in the [food and agriculture industry]. By using our platform, you agree to comply with this Payment Policy. If you do not agree with any part of this policy, you must not use our payment services.
1. Accepted Payment Methods
We support the following payment methods:
- Credit/Debit Cards: Visa, Mastercard, American Express, JCB, and other major card networks.
- Bank Transfers: Direct transfers to our designated bank account.
- E-Wallets: PayPal, PayPay, LINE Pay, and other approved digital wallets.
- Cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), and other approved cryptocurrencies (see Section 4 for details).
2. Payment Processing
- All payments are processed through secure third-party payment gateways.
- Vendors receive payments after deducting applicable fees and commissions, as outlined in the vendor agreement.
- Customers are responsible for ensuring that their payment information is accurate and up to date.
3. Security Measures
We prioritize the security of your payment information and implement the following measures:
- Encryption: All payment data is encrypted using SSL/TLS technology.
- PCI-DSS Compliance: We comply with the Payment Card Industry Data Security Standard (PCI-DSS) to protect cardholder data.
- Two-Factor Authentication (2FA): Optional 2FA is available for added security.
- Fraud Detection: We use advanced fraud detection systems to monitor and prevent unauthorized transactions.
4. Cryptocurrency Payments
4.1 Crypto Payment Agreement
- Cryptocurrency payments are processed through approved third-party crypto payment gateways.
- Customers must ensure that they send the correct amount of cryptocurrency to the designated wallet address.
- Cryptocurrency transactions are irreversible. Once a payment is made, it cannot be refunded or canceled.
4.2 Crypto Payment Validation
- Payments are validated based on blockchain confirmations. The number of confirmations required depends on the cryptocurrency used.
- Customers will receive a payment confirmation email once the transaction is validated.
- In case of underpayment or overpayment due to exchange rate fluctuations, we will:
- Refund the excess amount (for overpayments).
- Request the remaining balance (for underpayments).
4.3 Crypto Volatility
- Cryptocurrency prices are highly volatile. The final amount received may differ from the displayed amount due to exchange rate fluctuations.
- We are not responsible for any losses resulting from price fluctuations.
5. Refunds and Cancellations
- Refunds are processed in accordance with our **Refund Policy** and applicable laws.
- Refunds will be issued using the original payment method. For cryptocurrency payments, refunds will be issued in the equivalent fiat currency at the current exchange rate.
- Cancellation requests must be submitted before the order is shipped or fulfilled.
6. Fees and Charges
- Transaction Fees: A small fee may be charged for processing payments, depending on the payment method.
- Currency Conversion Fees: For international transactions, currency conversion fees may apply.
- Crypto Network Fees: Customers are responsible for paying any network fees associated with cryptocurrency transactions.
7. Dispute Resolution
- In case of payment disputes, customers and vendors are encouraged to resolve the issue amicably.
- If a resolution cannot be reached, [Your Website Name] may mediate the dispute in accordance with our **Dispute Resolution Policy**.
- For fraudulent transactions, we reserve the right to suspend accounts and report the incident to relevant authorities.
8. Liability
- We are not liable for:
- Delays or failures in payment processing caused by third-party payment gateways or banks.
- Losses resulting from cryptocurrency price fluctuations.
- Unauthorized transactions due to user negligence (e.g., sharing account credentials).
9. Governing Law
This Payment Policy is governed by and construed in accordance with the laws of Japan. For international users, applicable laws may vary based on jurisdiction.
10. Amendments
We reserve the right to update or modify this Payment Policy at any time. Any changes will be posted on this page with an updated effective date. Your continued use of the platform after such changes constitutes your acceptance of the revised policy.
11. Contact Us
If you have any questions or concerns about this Payment Policy, please contact us at: [email protected]