Billing Terms & Conditions

At Cobalt & Ember, we prioritize transparency, fairness, and security in all billing and payment processes. The following Billing Terms and Conditions explain how we handle payments, available methods, order confirmation, taxes, and payment security.

1. Payment Terms

All payments must be made in full at the time of purchase. Orders will not be processed or shipped until the payment has been successfully received and authorized.

2. Accepted Payment Methods

We offer a wide range of payment options to ensure a seamless checkout experience:

Express Checkout:

  • Shop Pay
  • Google Pay
  • Apple Pay

Credit & Debit Cards:

  • Visa
  • Mastercard
  • American Express

Buy Now, Pay Later:

  • Klarna – Available for eligible customers at checkout (subject to Klarna’s own approval criteria and terms).

All payments are processed in a secure environment, and we do not store your payment information.

3. Currency

All prices listed on our website are shown in GBP (£) or USD ($), depending on your region. You will be charged in your local currency at checkout, and conversion fees may apply based on your card provider.

4. Taxation and Duties

  • United Kingdom: All applicable UK VAT is included in the listed prices.
  • United States: Local sales tax may apply based on shipping destination.
  • Customs Duties: If applicable, any customs or import duties are the responsibility of the customer.

5. Order Confirmation

Once your order is successfully placed, you will receive a confirmation email with:

  • A summary of your order
  • Payment confirmation
  • Order number

If you do not receive an email within a few hours, please check your spam folder or contact us at contact@cobaltember.com.

6. Payment Security

Your payment security is important to us. We use industry-standard safeguards to protect your data:

  • SSL Encryption: Our website is protected by SSL (Secure Socket Layer) technology to encrypt sensitive data during transmission.
  • Secure Payment Processors: We use trusted and certified third-party processors (Shopify Payments, Klarna, etc.) to handle all financial transactions.
  • PCI Compliance: Our payment system is PCI DSS compliant, ensuring high standards of cardholder data protection.

We never store your card details on our servers.

7. Klarna Terms

If you choose Klarna as your payment method:

  • Klarna’s terms and conditions will apply.
  • Eligibility will be determined by Klarna during checkout.
  • Payment dates and instalment schedules are managed by Klarna.

For more information, visit Klarna's official website and policies.

8. Billing Disputes

If you believe you have been incorrectly charged or encounter an issue with your bill, please contact us promptly at contact@cobaltember.com. We will work with you to resolve the matter quickly and fairly.

9. Fraud Prevention

To protect against unauthorized use and fraud:

  • All transactions may be subject to verification.
  • Suspicious or flagged transactions may be cancelled or delayed while we verify the order.

10. Contact Information

If you have any questions or concerns regarding billing or payment, please contact:

Email: contact@cobaltember.com
Phone: +372 602 7283

This policy ensures that all billing practices align with local laws and global best practices, maintaining the trust and safety of our customers.

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