Osmo Action 4 Standard Combo

Shopping Safely

At our Shopify store, we prioritize your safety and security. Here's how we ensure a secure shopping experience:

1. Secure Transactions: We use advanced encryption to protect your personal and payment information, ensuring it is safely transmitted and safeguarded.

2. Trusted Payment Gateways: Our store integrates with trusted payment gateways, ensuring your transactions are processed securely and efficiently.

3. Data Privacy: Your privacy is our top priority. We follow strict data protection policies to keep your personal information confidential and secure.

4. Secure Platform: Shopify provides robust security features and continuous monitoring against vulnerabilities, ensuring a safe shopping environment.

5. Verified Merchants: We are a verified merchant on Shopify, committed to providing authentic and high-quality products.

6. Transparent Policies: Our clear return, refund, and shipping policies provide peace of mind, knowing we stand behind our products.

7. Customer Support: Our dedicated customer support team is ready to assist with any concerns or questions you may have.

Shop confidently at our Shopify store, where your safety and satisfaction are our top priorities.

General Installment Payment Policies for Afterpay

·  Primary Products and Payment Structures 

Note: Eligibility, availability, and terms may vary by merchant, state, and individual user. The following represents commonly applicable general conditions.

1. Pay in 4 (Four Interest-Free Installments)

Payment Process: At checkout, the customer selects Afterpay and is required to pay the initial installment immediately (typically approximately 25% of the total purchase price, though this percentage may vary). The remaining three installments are automatically charged in fixed amounts every two weeks.

Interest: No interest is charged provided that payments are made on time.

Fees / Late Charges: Late payments may incur late fees; however, total late fees will not exceed 25% of the original order amount.

Eligible Merchants / Goods: Available at participating merchants; supported for online transactions.

2. Pay Monthly (Longer-Term Monthly Installments)

Purpose: Designed for higher-value purchases.

Structure: Upon approval, customers may select a monthly repayment schedule with terms extending up to 24 months.

Interest / Charges: This product constitutes a simple-interest loan; interest (APR) is charged. No origination fees or administrative fees apply, although late charges may be assessed for delinquent payments.

Credit Checks: May involve either a “soft” or “hard” credit inquiry depending on the merchant and transaction amount.

· Key Terms & Important Considerations

1.User Eligibility: Typically requires the customer to be at least 18 years of age, possess a valid U.S.-issued debit or credit card, and satisfy Afterpay’s underwriting, credit evaluation, and ability-to-pay assessment.

2.Authorization for Automatic Payments: The customer must authorize Afterpay to automatically debit the selected payment method (debit card, credit card, or eligible digital wallet).

3.Consequences of Late Payment: If payment is not received by the due date, a grace period of approximately 10 days is usually provided. After this period, late fees may be imposed. Continued non-payment may result in delinquency designations or account usage restrictions.

4.Early Repayment: Customers may prepay installments on both Pay in 4 and certain loan products without incurring prepayment penalties.

5.Refunds / Returns: For merchandise purchased using Afterpay, returns are subject to the merchant’s return policy. Customers remain responsible for outstanding installment obligations; however, merchant refunds will reduce the outstanding balance accordingly.

6.Payment Flexibility: Afterpay offers certain flexibility options, including installment rescheduling and voluntary early repayment.

· State / Merchant Restrictions & Additional Notes

1.Certain products (e.g., Pay Monthly) may not be available in all U.S. states due to regulatory restrictions.

2.Although Pay in 4 is interest-free, delinquency can result in account suspension or reduced spending limits for future transactions.

3.Even where services do not directly affect credit scores, late or missed payments may impact eligibility for future Afterpay usage.

Higher-value or long-term products such as Pay Monthly involve interest; customers should evaluate total borrowing costs before proceeding.

4.The final actual installment bill is subject to the amount shown on the checkout page.