Effective October 13, 2026 · Operated by ValueOpus LLC
How you pay
Checkout is processed by Shopify Payments, which uses Stripe as its underlying payment processor, and may offer Shop Pay, Apple Pay and Google Pay. We may enable or disable payment methods from time to time. For any order, use only the methods shown on the checkout page when you pay. A method that does not appear is not available for that order. If a method shown at checkout is offered by a third party, you also agree to that provider’s terms. Do not email card or bank details to us.
Statement descriptor
When a charge appears on a card or bank statement, the descriptor reads SP COZIVOY (SP is the fixed prefix Shopify Payments adds).
Authorization and capture
When you submit an order, the payment provider may authorize, verify, or place a temporary hold. Capture timing follows the method and the information shown at checkout. An authorization is not by itself our acceptance of the order. If we cancel after a charge, we refund the affected amount to the original method.
Prices, currency, and tax
Checkout shows the transaction currency (USD, or AUD, NZD, SGD or HKD for delivery to Australia, New Zealand, Singapore or Hong Kong), item prices, discounts, shipping, and any tax line before you pay. We do not add destination sales tax unless checkout shows a tax line for that order. Your bank or wallet may add its own conversion or fees.
Payment data
Shopify Payments, its processing partners and any method you select (including Shop Pay, Apple Pay or Google Pay) handle card or account credentials under their security programs. Cozivoy receives payment status, tokens, and limited details needed for support, accounting, and fraud prevention—not your full card number. We will never ask for a password or full card number by email.
Failed payments, refunds, and disputes
A declined payment may require you to retry or pick another method shown at checkout. Approved refunds return to the original method unless the law requires another path. Email support@cozivoy.com about a billing problem first. This does not limit chargeback or other rights your issuer or applicable law gives you.