Payment & Billing Policy

This Payment & Billing Policy defines the comprehensive financial architecture, checkout workflows, data protection protocols, and monetary regulations applied to all purchase transactions executed on Kovat (accessible via www.kovat.shop). All commercial payment infrastructure on this Website is owned, legally administered, and under the absolute corporate oversight of ASSEMBLY LABEL RETAIL PTY LTD , a registered proprietary company limited by shares under the Corporations Act 2001 and taken to be registered in New South Wales, Australia (Australian Company Number: 612 004 225)

Our operational payment processes are structurally optimized to provide our consumer demographic in the United States with an entirely seamless, highly secure, and transparent commercial checkout path. By completing an order settlement on this Website, you express explicit alignment and legally binding acceptance of the parameters detailed within this operational mandate.

1. Monetary Currency & Pricing Transparency

All transactional procedures, product evaluations, delivery parameters, and checkout balances on Kovat are denominated, processed, and settled exclusively in United States Dollars (USD).

We operate under strict consumer protection guidelines regarding financial transparency. The total checkout balance exhibited during your final order confirmation screen represents the definitive and absolute aggregate cost of your purchase. Kovat categorically guarantees that consumers will never be subjected to unexpected hidden expenses, handling surcharges, or unadvertised transaction layer adjustments. All local operational costs are absorbed directly by our enterprise.

2. Sanctioned Payment Methods & Digital Instruments

To accommodate diverse financial preferences while enforcing strict transaction processing standards, Kovat supports a variety of payment options. The following fully authorized credit cards, debit cards, and accelerated mobile digital wallets are integrated directly into our secure Shopify merchant gateway:

• International Credit & Debit Networks: Visa, Mastercard, American Express (AMEX), Discover, Diners Club, JCB, and UnionPay.
• Accelerated Mobile & Express Wallets: Apple Pay, Google Pay, and Shop Pay.
• Alternative Alternative Payment Gateways: PayPal Express Checkout.

Please note that we do not authorize or accept cash on delivery (COD), physical bank checks, corporate mail orders, or direct manual wire transfers. All electronic purchases must be processed and fully authenticated through our digital terminal interface prior to shipment allocation.

3. Payment Execution & Capture Lifecycle

When you initiate the checkout procedure on Kovat and input your financial details, our merchant server submits an immediate verification request to your issuing financial institution to confirm the presence of necessary funds and check for security indicators.

The actual capture of funds occurs automatically at the immediate moment you click "Pay Now" and your order is successfully accepted into our system database. This immediate capture mechanism allows our automated fulfillment network to promptly begin the 1 to 3 business day order handling sequence, minimizing overall transit time to your United States destination.

4. Systematic Risk Mitigation & Anti-Fraud Screening

To maintain transactional security and guard against unauthorized billing activity, every settlement finalized on www.kovat.shop undergoes automated fraud risk assessments. Our protocol cross-references essential security parameters, including the card's Address Verification System (AVS) status, the Card Verification Value (CVV2/CVC) input, and geographical IP indicators.

ASSEMBLY LABEL RETAIL PTY LTD  reserves the absolute legal right to pause, cancel, or permanently reverse any order that exhibits high-risk indicators or potential identity mismatches. In the event that an order is flagged for verification, our risk analysis team may proactively contact you via support@kovat.shop to request standard identity validation before dispatching parcels. If compliance documentation is not supplied within 48 hours, the order will be systematically canceled, and the captured funds will be automatically released back to the source account.

5. Resolution of Billing Anomalies and Duplicate Charges

In the rare event that a systemic technical error or network latency results in a dual billing indication or computational checkout discrepancy on your statement, we advise consumers to avoid launching a formal financial dispute or chargeback with their credit institution right away.

Instead, please contact our dedicated financial desk at support@kovat.shop immediately. Our team will review your account statement ledger within 24 business hours. If an administrative payment error is confirmed, we will promptly initiate an internal reversal, returning the duplicate funds directly through your original payment method within our standard 10-day refund window.

6. Statutory Corporate Validation & Financial Inquiries

This Payment & Billing Policy is maintained and legally governed by ASSEMBLY LABEL RETAIL PTY LTD , organized under the legal frameworks of Australia. For any technical billing inquiries, payment gateway failures, or corporate validation requests, please use our verified communication details below:

• Digital E-Commerce Platform: www.kovat.shop
• Commercial Storefront Title: Kovat
• Legal Parent Enterprise: ASSEMBLY LABEL RETAIL PTY LTD (ACN: 612 004 225) 
• Official Registration Date: April 21, 2016 
• Regulatory Oversight Body: Australian Securities and Investments Commission (ASIC) 
• Primary Corporate Support Email: support@kovat.shop
• Direct Financial Inquiries Telephone: +61468255270
• Statutory Registered Office Location: Unit 6, 5 Johnson Rd, Maylands, WA 6051, Australia