💵 1. Transaction Currency

Orders placed through Kerviuna™ are processed in:

United States Dollars (USD)

The amount displayed during checkout is the amount submitted for payment, together with any applicable shipping charges, taxes, duties, or other charges clearly shown before the order is completed.

If your bank account or payment method uses another currency, your bank or payment provider may apply its own:

• Currency conversion rate
• Foreign transaction fee
• International processing fee

These charges, where applicable, are determined by your financial institution or payment provider rather than Kerviuna™.

💳 2. Available Payment Methods

The payment methods currently available for your order will be displayed during checkout.

Depending on your location and checkout configuration, available options may include:

• PayPal
• Major credit cards
• Major debit cards
• Other payment methods displayed directly on the checkout page

If a payment method does not appear at checkout, it is not currently available for that transaction.

🅿️ 3. Paying with PayPal

If PayPal is available and selected during checkout, you may be redirected to PayPal's payment environment to complete the transaction.

Depending on the options PayPal makes available for your location, you may be able to:

• Sign in to an existing PayPal account
• Complete payment using an eligible debit or credit card
• Use another payment option offered directly by PayPal

Any PayPal payment options shown after redirection are provided and processed through PayPal.

Once the transaction has been successfully authorized, you will be returned to the applicable order confirmation process.

💳 4. Credit & Debit Card Payments

Where card payments are available, accepted card options will be shown directly during checkout.

The specific cards available may vary depending on:

• Customer location
• Card issuer
• Payment gateway availability
• Checkout configuration
• Transaction risk review

Your card issuer or payment provider may require additional verification before approving a transaction.

This may include security measures such as:

• One-time verification codes
• Bank-app confirmation
• Address verification
• Other authentication required by the card issuer

🔒 5. How Payment Information Is Handled

Payments made through Kerviuna™ are processed using the payment services and gateways made available through our checkout.

Sensitive payment information is transmitted through the applicable payment-processing environment.

Kerviuna™ does not require customers to send full credit-card or debit-card numbers to our Customer Support team by email, phone, or other direct communication.

For your security, please never email us your complete card number, CVV/security code, online banking password, or other confidential payment credentials.

✅ 6. Payment Authorization

Placing an order does not necessarily mean that payment has been fully approved.

A transaction may need to be authorized by:

• Your bank
• Card issuer
• PayPal
• The applicable payment processor

If authorization is declined, we may be unable to complete the order until a successful payment is received.

Common reasons a payment may be declined include:

• Incorrect billing information
• Incorrect card details
• Insufficient funds
• Card restrictions
• International transaction restrictions
• Additional verification required by the issuer
• Security review by the payment provider

For card authorization issues, your bank or card issuer will usually have the most detailed information about the reason for a declined transaction.

📋 7. Payment Confirmation

After a successful checkout, you should receive an order confirmation through the contact information provided during purchase.

Please review the confirmation carefully and make sure that the following information is correct:

• Customer name
• Order number
• Products ordered
• Shipping address
• Amount paid

If you notice an issue with your order details, contact us as soon as possible at:

service@kerviuna.com

Please include your order number whenever available.

🔄 8. Pending or Duplicate Charges

In some situations, your bank or payment provider may display a transaction as pending before it is fully settled.

A pending authorization is not always the same as a completed charge.

If you believe that you have been charged more than once for the same Kerviuna™ order, please contact us with:

• Your order number
• Date of the transaction
• Amount shown
• A description of the issue

For security reasons, please do not send us full card details.

We will review the order information available to us and help determine the appropriate next step.

⚠️ 9. Failed Payments

If checkout does not complete successfully, you may try the following:

• Confirm that your billing information is correct
• Re-enter your payment information carefully
• Check that your card has not expired
• Confirm that your bank allows the transaction
• Try another payment method shown at checkout
• Contact your payment provider or card issuer

If the problem appears to relate to the Kerviuna™ checkout rather than your payment provider, please contact:

service@kerviuna.com

💸 10. Refunds

Where a refund has been approved under our Return & Refund Policy, it will be issued through the applicable original payment method whenever required by our policy and payment-processing arrangements.

The time required for the refunded amount to appear in your account may depend on:

• The payment provider
• Your bank or card issuer
• Payment-processing timelines

Our Return & Refund Policy contains the applicable refund conditions and processing timeline.

🛡️ 11. Payment Security

Protecting customer information is important to us.

Kerviuna™ uses the secure checkout and payment-processing systems made available through our commerce and payment providers.

For safer online purchasing, we recommend that customers:

🔒 Complete payment only through the official Kerviuna™ checkout
💳 Never send full card credentials through email or customer-service messages
🔑 Keep payment account passwords and verification codes private
📧 Contact us if you receive suspicious communications claiming to represent Kerviuna™

Kerviuna™ Customer Support will never ask you to send your full card number, card security code, or online banking password by email.

💬 12. Need Help With a Payment?

If you have questions about:

• An order payment
• A duplicate transaction
• Checkout issues
• A refund status
• A payment confirmation
• General billing information

please contact our Customer Support team.

Email: service@kerviuna.com
Phone: +86 13345818122
Business Hours: 9:00 AM – 10:00 PM

If your inquiry relates to an existing order, please include your order number.

🏢 Company Information

Brand: Kerviuna™
Company Name: Hangzhou Xinsheng Culture Media Co., Ltd.
Unified Social Credit Code: 91330110MAKCQQN89Q
Legal Representative: Hu Leqin
Company Address: Room 4248, 3rd Floor, Area A, No. 230 Tianmushan West Road, Xianlin Subdistrict, Yuhang District, Hangzhou, Zhejiang, China
Company Phone: +86 13345818122
Company Email: service@kerviuna.com
Business Hours: 9:00 AM – 10:00 PM

Kerviuna™ is owned and operated by Hangzhou Xinsheng Culture Media Co., Ltd.