At COZNORI, we want every stage of the purchasing process to be straightforward, transparent, and secure. This Payment & Security Policy explains how payments may be completed through our online store, what customers can expect during checkout, and how we handle common payment-related questions.
COZNORI specializes in practical cold-weather essentials, including:
-
Winter Gloves
-
Scarves
-
Hats
-
Winter Accessories
-
Cold-Weather Essentials
This policy applies to purchases made through coznori.com and should be read together with our Terms & Conditions, Privacy Policy, Shipping Policy, and Return & Refund Policy.
1. Payment Methods Available at Checkout
The payment methods available for an order are displayed during the checkout process on coznori.com.
Depending on factors such as location, currency, order details, and payment-provider availability, customers may be offered different payment options.
Available methods may include:
-
Credit cards
-
Debit cards
-
Other electronic payment methods supported by the checkout system
-
Additional payment options made available by our payment service providers
Payment options can change over time. The methods shown during checkout represent the payment options available for the particular transaction at that time.
Customers should select an available payment method and follow the instructions displayed during checkout.
2. Secure Transaction Processing
Payment transactions may be handled through third-party payment processors or payment service providers that support secure online transactions.
When a customer enters payment information during checkout, the information may be transmitted directly through the applicable payment-processing infrastructure.
Where third-party payment processing is used, COZNORI generally does not store complete payment card numbers or complete card security codes on its own systems.
Payment providers may use their own security technologies, verification procedures, fraud-prevention systems, and transaction controls.
Additional authentication may also be requested before a transaction can be completed.
3. Payment Authorization
After payment information is submitted, the relevant payment provider may perform an authorization or verification process.
This process may consider information such as:
-
Payment account status
-
Card validity
-
Available funds or credit
-
Billing information
-
Security verification
-
Transaction information
-
Payment-provider risk controls
A transaction may remain incomplete until the applicable payment provider successfully authorizes it.
If authorization is declined, unavailable, or interrupted, the order may not be successfully processed.
4. Additional Payment Verification
For certain transactions, additional verification may be required before an order can proceed.
For example, a payment provider may request additional authentication to confirm that the transaction has been authorized by the legitimate account holder.
If additional order-related information is required from the customer, COZNORI may contact the customer using the contact details provided during checkout.
To reduce avoidable processing issues, customers should make sure that their:
-
Billing information
-
Shipping information
-
Email address
-
Contact information
-
Payment information
are entered accurately before completing an order.
5. Declined, Failed, or Interrupted Payments
A payment may fail for a number of reasons, including issues related to the card, account, payment provider, billing information, available funds, authentication, or temporary technical conditions.
If your payment does not go through, you may wish to:
-
Recheck the payment information entered.
-
Confirm that the card or account is active.
-
Verify available funds or credit.
-
Confirm that your billing information is correct.
-
Try another payment method displayed at checkout.
-
Contact your bank or payment provider.
-
Contact COZNORI Customer Support if you need assistance with the related order.
For security and privacy reasons, COZNORI may not receive the specific reason why a financial institution or payment provider declined a transaction.
6. Pricing, Currency, and Additional Charges
Prices applicable to products are presented through the online shopping and checkout process.
Before completing an order, customers should review the final checkout information, including:
-
Product price
-
Quantity
-
Applicable discounts
-
Shipping charges, where applicable
-
Taxes or other applicable charges
-
Final amount payable
The amount ultimately charged by a bank or financial institution may differ in certain circumstances due to factors outside COZNORI's control.
For example, your bank, card issuer, or payment provider may apply:
-
Currency conversion fees
-
International transaction fees
-
Foreign exchange charges
-
Other account-specific fees
These charges are determined by the relevant financial institution or payment provider rather than by COZNORI.
7. Order Confirmation and Payment Status
Completing a payment attempt does not necessarily mean that an order has been successfully accepted.
An order is generally considered successfully submitted after the checkout process has been completed and the applicable order confirmation has been generated.
Customers should retain their order confirmation for future reference.
If an order requires additional verification or cannot be processed normally, COZNORI may contact the customer using the information associated with the order.
If you have been charged but have not received an order confirmation, please contact Customer Support before submitting another payment for the same order.
8. Duplicate or Unexpected Payment Concerns
If you believe that you have been charged more than once for the same order, please contact us before attempting another purchase.
Please provide:
-
Order number, if available
-
Email address used at checkout
-
Approximate transaction date
-
Amount of the transaction
-
Relevant payment reference, if available
For security reasons, please do not send your complete card number, card security code, password, or other sensitive payment credentials by email.
Where appropriate, we may recommend that you also contact your bank or payment provider for transaction-specific information.
9. Refunds and Reversed Payments
When a refund is approved, it will generally be processed through the original payment method or applicable payment channel used for the purchase.
The time required for a refund to appear in the customer's account can vary depending on:
-
Payment method
-
Payment processor
-
Bank
-
Card issuer
-
Financial institution
-
Internal processing schedules
A refund may therefore be processed by COZNORI before it becomes visible in the customer's account.
For complete information regarding refund eligibility, return conditions, and refund procedures, please refer to our Return & Refund Policy.
10. Payment Security Practices
Customers can take several simple precautions when making online purchases.
We recommend that you:
-
Access coznori.com directly when shopping
-
Check that the website address is correct before entering payment information
-
Review the order details before submitting payment
-
Verify the final amount shown at checkout
-
Keep account passwords and login information confidential
-
Avoid sharing payment credentials with other people
-
Do not send complete card information by email
-
Contact Customer Support if you receive an unusual payment-related request
COZNORI will not ask customers to provide complete credit card or debit card information through customer service email.
11. Protecting Your Account Information
Customers are responsible for maintaining the confidentiality of account credentials associated with their shopping activity.
If you believe that your account information or order information may have been accessed without authorization, please contact us as soon as reasonably possible.
For your protection, avoid sending passwords, complete payment-card information, security codes, or other highly sensitive credentials through ordinary email communications.
Where appropriate, you should also contact the relevant payment provider or financial institution directly.
12. Personal Information and Payment-Related Data
Information provided during checkout may be used as reasonably necessary to support the transaction and related services.
This may include activities such as:
-
Processing an order
-
Confirming payment status
-
Fulfilling purchases
-
Arranging delivery
-
Providing customer support
-
Processing eligible returns and refunds
-
Preventing unauthorized transactions
-
Maintaining transaction records
-
Meeting applicable legal or regulatory requirements
Personal information is handled in accordance with our Privacy Policy.
Where payment services are provided by third-party processors, those providers may separately process information according to their own privacy policies and applicable requirements.
13. Third-Party Payment Providers
COZNORI may rely on external payment service providers to facilitate online transactions.
These providers may operate their own:
-
Payment-processing systems
-
Security controls
-
Identity or transaction verification
-
Fraud-prevention procedures
-
Privacy practices
-
Payment authorization systems
Customers may be subject to the terms and privacy practices of the applicable payment provider when using a third-party payment method.
The availability of a particular payment option does not necessarily mean that COZNORI controls every aspect of the payment provider's systems or policies.
14. Payment Issues During Checkout
If you encounter a payment-related problem while placing an order, please first check whether the checkout page provides an error message or additional instructions.
Common issues may include:
-
Payment authorization failure
-
Incorrect billing information
-
Expired payment card
-
Insufficient available funds
-
Additional authentication requirements
-
Temporary payment-provider interruption
-
Browser or checkout-session issues
If the issue continues, you may contact our Customer Support Team for assistance with the related order.
15. Payment and Order Assistance
For payment questions or concerns involving an existing order, please contact:
COZNORI Customer Support
Email:
service@coznori.com
We can assist with general inquiries relating to:
-
Payment status
-
Order confirmation
-
Checkout problems
-
Refund status
-
Transaction-related order questions
-
Order information
-
Winter Gloves purchases
-
Scarves purchases
-
Hats purchases
-
Winter Accessories purchases
-
Cold-Weather Essentials purchases
When contacting us about an existing order, please include:
-
Order number
-
Email address used at checkout
-
Product name, where applicable
-
A short description of the issue
Please never include your complete credit card number or card security code in an email.
16. Returns and Refund Requests
Payment-related questions and return requests may sometimes overlap.
If you need to request a return or refund, please contact COZNORI Customer Support and provide the relevant order information before sending a product back.
Depending on the circumstances, we may need:
-
Order number
-
Product name
-
Reason for the request
-
Description of the issue
-
Photographs or other supporting information, where applicable
Return eligibility, applicable conditions, and refund procedures are governed by our Return & Refund Policy.
17. Transaction Records
Information associated with completed orders may be retained as reasonably necessary for purposes such as:
-
Order administration
-
Customer service
-
Refund processing
-
Accounting and transaction records
-
Fraud prevention
-
Legal compliance
-
Resolving payment or order disputes
The handling of personal information is subject to our Privacy Policy and applicable requirements.
18. Payment Security Limitations
While COZNORI takes reasonable measures to support secure online transactions, no online system, transmission method, or electronic storage environment can be guaranteed to be completely free from every possible security risk.
Customers should therefore use reasonable security practices when accessing the website, managing account credentials, and making online payments.
If you identify a suspected payment-security issue associated with an order or our website, please contact us promptly.
19. Policy Updates
We may revise this Payment & Security Policy from time to time to reflect changes to:
-
Payment methods
-
Payment service providers
-
Website functionality
-
Security procedures
-
Business operations
-
Applicable legal requirements
Any updated version will be published on coznori.com.
Customers should review the version applicable at the time of their purchase for the relevant payment and security information.
20. Company Information
Brand:
COZNORI
Website:
coznori.com
Legal Entity:
Hainan Fuli Network Technology Co., Ltd.
Unified Social Credit Code:
91460000MAEEAXAL4K
Registered Address:
Unit 803, Building 10, Biyuan Junlinwan, Xinbu Subdistrict, Meilan District, Haikou, Hainan, China
Customer Support Email:
service@coznori.com
Main Product Categories:
Winter Gloves / Scarves / Hats / Winter Accessories / Cold-Weather Essentials
COZNORI is operated by Hainan Fuli Network Technology Co., Ltd., which is responsible for the operation of the online store, customer service, order coordination, and related e-commerce activities.
21. Contact COZNORI
For questions concerning payments, checkout, transaction status, refunds, or order-related payment issues, please contact:
COZNORI Customer Care
Email:
service@coznori.com
For faster assistance, please include your order number and the email address used during checkout whenever your inquiry concerns an existing order.
COZNORI is committed to providing a clear checkout experience, appropriate payment-security practices, and responsive assistance throughout the purchasing process.