PAYMENTS. ONLINE PAYMENT BY BANK CARDOur website is connected to an online acquiring system, and you can pay for goods or services using a Visa or Mastercard bank card. After confirming the selected product or service, a secure window with the payment page of JSC Bank CenterCredit will open, where you will need to enter your bank card details.
For additional cardholder authentication, the 3-D Secure protocol is used. If your issuing bank supports this technology, you will be redirected to its server to complete additional identification. For information on the rules and methods of additional authentication, please contact the bank that issued your card.
Online payment services are carried out in accordance with the rules of the international payment systems Visa and Mastercard, based on the principles of confidentiality and payment security. The most up-to-date methods of verification, encryption, and data transmission via secure communication channels are used.
Bank card details are entered in a secure window on the payment page of JSC Bank CenterCredit.
The payment page requires you to enter:

• card number
• cardholder’s name
• card expiration date
• three-digit security code (CVV2 for Visa or CVC2 for Mastercard)

All required details are displayed on the surface of the bank card.
CVV2 / CVC2 is a three-digit security code located on the back of the card.
Next, a page of your issuing bank will open in the same window to enter the 3-D Secure code. If static 3-D Secure is not enabled, the code will be sent to your mobile phone via SMS. If you do not receive the 3-D Secure code, please contact your issuing bank.
3-D Secure is the most advanced technology for ensuring the security of card payments on the Internet. It allows unambiguous identification of the cardholder and significantly reduces the risk of fraudulent transactions.
Invoices
Upon payment, we issue invoices confirming the transaction.
SECURITY GUARANTEESJSC Bank CenterCredit protects and processes your bank card data in accordance with the PCI DSS 3.0 security standard. Information is transmitted to the payment gateway using SSL encryption technology. Further transmission of information is carried out through closed banking networks with the highest level of reliability.
JSC Bank CenterCredit does not transfer your card details to us or to third parties. The 3-D Secure protocol is used for additional cardholder authentication.
If you have any questions regarding a completed payment, you can contact the customer support service of the payment provider by email:
support@cloudpayments.com
ONLINE PAYMENT SECURITYThe personal information you provide (name, address, phone number, email address, credit card number) is confidential and is not subject to disclosure. Your credit card details are transmitted only in encrypted form and are not stored on our web server.
The security of Internet payment processing is guaranteed by JSC Bank CenterCredit. All transactions with payment cards are carried out in accordance with the requirements of VISA International, MasterCard, and other payment systems. Specialized security technologies are used for online card payments, and data processing is performed on a secure high-tech server of the processing company.
Payment by bank cards is safe because:

• The authorization system guarantees that the buyer’s payment details (card number, expiration date, CVV2/CVC2) will not fall into the hands of fraudsters, as these data are not stored on the authorization server and cannot be stolen.
• The buyer enters payment details directly in the authorization system of JSC Bank CenterCredit, not on the online store’s website; therefore, the buyer’s card details are not accessible to third parties.

SHIPPING RULESHere you must describe the shipping rules and conditions, if applicable.
REFUND POLICYWhen paying online by bank card, refunds in cash are not permitted. Refunds are governed by the rules of international payment systems:

• The consumer has the right to cancel the purchase at any time before the goods are delivered; after delivery, cancellation must be made within 14 days.
• A refund for goods of proper quality is possible if their original appearance, consumer properties, and proof of purchase are preserved.
• The consumer is not entitled to refuse goods of proper quality that have individually defined characteristics if such goods can be used exclusively by the purchaser.
• In case of cancellation by the consumer, the seller must refund the amount paid no later than 10 days from the date the consumer submits the relevant request.

To receive a refund to a bank card, you must complete a “Refund Request Form”, which is provided by the company upon request via email, and send it together with a copy of an identity document to:
support@cloudpayments.com
Refunds will be credited to the bank card within 30 business days from the date the Company receives the Refund Request Form.
To receive a refund for transactions processed incorrectly, you must submit a written request with a copy of an identity document and receipts confirming the erroneous charge. This request must be sent to:
support@cloudpayments.com
The refund amount will be equal to the purchase amount. The review period and refund processing time begin from the moment the Company receives the request and are calculated in business days, excluding weekends and public holidays.

• CASES WHEN PAYMENT MAY BE DECLINEDthe bank card is not enabled for online payments (please contact your issuing bank);
• insufficient funds on the bank card;
• incorrect bank card details entered;
• expired bank card (the expiration date is usually indicated on the front of the card as month and year).

For questions regarding card payments or other issues related to the website, please contact:
info@tarotcult.com
PRIVACY POLICY 1. DefinitionsThe Internet project www.tarotcult.com (hereinafter referred to as the URL, “we”) takes the issue of confidentiality of information of its clients and visitors seriously. By personalized information we mean information containing personal data (for example, full name, login, or company name) of a website visitor, as well as information about actions performed by you on the website (for example, orders with contact details).
Anonymous data refers to information that cannot be clearly associated with a specific website visitor (for example, website traffic statistics).
2. Use of InformationWe use personalized information of a specific website visitor solely to ensure high-quality service provision and proper accounting. We do not disclose personalized data of one visitor to other visitors. We never publish personalized information publicly or transfer it to third parties, except in cases where disclosure is required by applicable legislation of the Republic of Kazakhstan.
We publish and distribute only reports based on anonymous data. Such reports do not contain information that would make it possible to identify users’ personal data. Anonymous data may also be used for internal analysis aimed at developing our products and services.
3. LinksThe website tarotcult.com may contain links to third-party websites not related to our company. We are not responsible for the accuracy, completeness, or reliability of information posted on third-party websites and do not assume any obligations regarding the confidentiality of information you provide on such websites.
4. Limitation of LiabilityWe make every effort to comply with this Privacy Policy; however, we cannot guarantee the safety of information in the event of factors beyond our control that result in information disclosure. The website tarotcult.com and all information posted on it are provided on an “as is” basis without any warranties. We are not responsible for adverse consequences or any losses resulting from restricted access to the website or from visiting and using the information posted on it.
5. Contact InformationFor questions regarding this Privacy Policy, please contact:
info@tarotcult.com
LEGAL ENTITYHere you must specify the legal entity name, registration details, legal address, and actual address (if different).