1. Payment by bank card online
Service SelenaQosmo is connected to Internet acquiring, and you can pay for the Service with a bank card of international payment systems. After confirming the selected Tariff, a secure window will open with the payment page of the processing center of Bereke Bank JSC.
You need to enter your bank card details. The 3-D Secure protocol is used for additional authentication of the cardholder. If your issuing Bank supports this technology, you will be redirected to its server for additional identification. Please check with the authorized issuing Bank for information on the rules and methods of additional identification.
The online payment service is carried out in accordance with the rules of International payment systems based on the principles of confidentiality and security of payment, for this purpose the most up-to-date methods of verification, encryption and data transmission over closed communication channels are used. The bank card data is entered in a secure window on the payment page of the processing center.
In the fields on the payment page, you must enter the card number, cardholder's name, card expiration date, and a three-digit security code (CVV2 for VISA or CVC2 for MasterCard). All necessary data is displayed on the surface of the bank card. CVV2/CVC2 is a three—digit security code located on the back of the card.
Next, the page of your issuing bank will open in the same window to enter the 3-D Secure code. If you do not have static 3-D Secure configured, it will be sent to your phone number via SMS. If you have not received the 3-D Secure code, then you should contact your issuing bank.
3-D Secure is the most advanced technology for ensuring the security of card payments on the Internet. It allows you to uniquely identify the authenticity of the cardholder performing the transaction and minimize the risk of fraudulent card transactions.


2. Security guarantees
The processing center of Bereke Bank JSC protects and processes your bank card data according to the PCI DSS 3.0 security standard. Information is transferred to the payment gateway using SSL encryption technology. Further information transfer takes place over closed banking networks with the highest level of reliability. Bereke Bank JSC does not transfer your card data to other third parties. The 3-D Secure protocol is used for additional authentication of the cardholder.
If you have any questions about the completed payment, you can contact the customer support service of the payment service directly by e-mail selena.sulu@gmail.com.


3. Online payment security
The personal information you provide (name, address, phone number, e-mail, credit card number) is confidential and not subject to disclosure. Your credit card data is transmitted only in encrypted form and is not stored on the SelenaQosmo service.
The security of online payment processing is guaranteed by IE "Kocherov A.A." All transactions with payment cards take place in accordance with the requirements of international payment systems. When transmitting information, specialized security technologies for online card payments are used, data processing is carried out on a secure high-tech server of the processing company.
Payment by credit cards is safe because:

• The authorization system guarantees the buyer that the payment details of his payment card (number, expiration date, CVV2/CVC2) will not fall into the hands of fraudsters, since these data are not stored on the authorization server and cannot be stolen.
• The buyer enters his payment data directly in the authorization system of Bereke Bank JSC, and not in the SelenaQosmo application, therefore, the payment details of the buyer's card will not be available to third parties.

4. Rules for the purchase of the service
By paying the selected tariff on the SelenaQosmo service, you confirm your agreement with the public offer agreement located at https://selenaqosmo.com/.


5. Refund of funds
To return funds to a bank card, it is necessary to fill out an "Application for a refund of funds", which is sent by the company to the email address upon request, and send it along with a copy of the identity document attached to the address selena.sulu@gmail.com.
The refund will be made to the bank card within 10 working days from the date of receipt of the "Application for a refund" by the Company if there are reasonable claims for the provision of services.
To refund funds for transactions carried out with errors, you must submit a written application and attach a copy of your identity document and receipts/receipts confirming the erroneous debit. This application must be sent to selena.sulu@gmail.com.
The refund amount will be equal to the purchase amount minus the cost of services rendered. The period for consideration of the Application and refund of funds begins to be calculated from the moment the Company receives the Application and is calculated in working days excluding holidays / weekends.


6. Reasons for refusal to make a payment:

• the bank card is not intended for making payments via the Internet, which can be found out by contacting your issuing Bank;
• There are not enough funds to pay with a bank card. You can find out more about the availability of funds on the payment card by contacting the bank that issued the bank card;
• the bank card data was entered incorrectly;
• the validity period of the bank card has expired. The validity period of the card is usually indicated on the front of the card (this is the month and year until which the card is valid). You can find out more about the validity period of the card by contacting the issuing bank.

For payment by bank card and other issues related to the operation of the SelenaQosmo service, you can contact by phone: +7(701) 805-32-66.

1. General provisions
The provisions of this Privacy Policy (hereinafter referred to as the Policy) apply to any information (personal data) that may become known to the Service and its Administration during the use of the Service by Users, including during their registration procedure and/or during any other use of the functionality of the Service, through secure pages. The activity of the SelenaQosmo service is open. The use of the Service (in any volume, form, etc.) means the full consent of such a User to the terms of this Privacy Policy and the procedure for processing such User's personal data. The acceptance of this Privacy Policy is the completion of the registration procedure in the Service, as well as any other actions aimed at familiarizing with the Service and/or using its functionality available without registration, as well as actions that may be perceived by the Service Administration as those aimed at using the Service or its functionality. If the User does not agree with the provisions contained in the rules of the Privacy Policy, he is obliged to stop using the Service. Any use of the Service by the User means his full consent and acceptance of all provisions of this Privacy Policy. This Privacy Policy applies only to the Service. The Administration of the Service does not control and is not responsible for the Internet resources of third parties to which the User can click on links available in the Service. The Administration of the Service does not verify the accuracy of the personal data provided by the User to the Service, but reserves the right to monitor the reliability of such personal data. In the event that one or more provisions of this Privacy Policy lose their force or become invalid or unenforceable, this does not affect the validity or applicability of the remaining provisions of this Privacy Policy. The User is personally responsible for checking this Privacy Policy for any changes to it. The Administration of the Service reserves the right, at its sole discretion, to change or supplement this Privacy Policy at any time without prior or subsequent notice. The Policy is an integral part of the Rules for the Provision of SelenaQosmo Services. Capitalized words are used in the same meaning as in the Rules for the Provision of Services. SelenaQosmo has the right to make changes to the Policy at any time. The amended version of the Policy comes into force from the moment it is posted on the website of IP Kocherov AA. The date of posting is indicated in the document. The data that is transmitted due to the general principles of connections implemented on the Internet and contained in system logs (for example, IP address) is used by the SelenaQosmo Service for technical purposes related to the administration of our service. In addition, IP addresses are used to collect statistical and demographic data (for example, about the region from which the connection is being implemented). Website https://selenaqosmo.com/ may use cookies to provide services and content in accordance with individual needs and interests. Disabling cookies in the browser will not generally block the use of our services, but it may cause certain difficulties. Cookies are also used to collect statistical information about the use of our services.

2. The right to verify, modify and delete data. Limitations.
The User or Partner has the right to view their data at any time, and also has the opportunity to update or delete them in agreement with IE "Kocherov A.A." In order to avoid re-registration of persons whose participation on the site https://selenaqosmo.com/ has been terminated due to misuse of our services, we may refuse to delete data, necessary to block the possibility of re-registration. Refusal to delete data may also take place in cases provided for by law. In cases where this is permitted by law, IE "Kocherov A.A." may also disclose certain User or Partner data to third parties if this is related to the protection of copyright (or other) rights of these third parties (but only upon written application of the copyright holder), or on the basis of an agreement between IE "Kocherov A.A." and by a third party in relation to the Service (such an agreement necessarily contains a condition for ensuring confidentiality and security by a third party). The copyright holder who submitted such an application is obliged to provide documentary evidence of the fact of possession of copyright (or other) rights to the content/product/service. There should also be a clear suspicion of a violation of these rights. The IE "Kocherov A.A." can also open access to the User's data available to it at the request or with the consent of the User himself, or at the request of government agencies that have the right to receive data on the basis of a regulatory legal act. Electronic messages sent to the IE "Kocherov A.A." company are archived (saved) and can in certain cases be used as evidence. The SelenaQosmo service relies on the fact that all data provided by Users during registration and subsequently is reliable and Users independently correct incorrect or outdated data. Users also ensure that they provide only their own data, or have received the duly executed consent of a third party, the data subject, to communicate their data. IE "Kocherov A.A." is not responsible for violation of these rules by Users.


3. Links to other Internet sites
The SelenaQosmo Service is not responsible for the data protection policy that is applied by the owners or administrators of other sites (including Partner sites) to which the User clicks on links posted on the SelenaQosmo Service. We recommend that you familiarize yourself with the contents of the data protection statements posted on the relevant websites before entering your data. The User or Partner is solely responsible for the content that is on the site to which the link leads, posted by them on the SelenaQosmo Service.


4. Information (messages, notifications) that are sent to the user or partner
SelenaQosmo reserves the right to send emails (push notifications) to all Users with information about important changes and improvements in the Service, as well as other content directly related to the operation of the service. SelenaQosmo may also send commercial electronic messages, in particular promotional messages. Promotional and other commercial messages may also be attached to electronic messages sent to or sent from the system account.
Limitation of liability
We do our best to comply with this privacy policy, however, we cannot guarantee the safety of information in case of exposure to factors. beyond our influence, the result of which will be the disclosure of information. Website https://selenaqosmo.com/ and all information posted on it is provided on an "as is” basis without any guarantees. We are not responsible for adverse consequences, as well as for any losses caused as a result of restricting access to the Service site.

5. Dispute Resolution
Before filing a lawsuit on disputes arising from the relationship between the User and the Administration of the Service, the mandatory conditions are:
1) negotiations. If a resolution of the dispute has not been reached, then
2) presentation of a written proposal for a voluntary settlement of the dispute. The recipient of the claim within 30 calendar days from the date of receipt of the claim, notifies the applicant of the claim in writing about the results of the claim review. Claim letters are sent by the parties by courier or by registered mail with a notification of the delivery of the latter to the addressee at the location of the parties. It is not allowed for the parties to send letters of claim in other ways. If an agreement is not reached, the dispute will be referred to the judicial authority in accordance with the current legislation of the Republic of Kazakhstan. The current legislation of the Republic of Kazakhstan applies to this Policy and the relationship between the User and the Administration of the Service.

Name: ИМ "Кочеров А.А."
Legal address: 17/2 Orbita 1 microdistrict, Karaganda, Republic of Kazakhstan
БИН: 681112300180
р/с в тенге: KZ256010002138214817
в банке: АО "Народный Банк Казахстана"
БИК: HSBKKZKX
КБе: 19

For questions regarding this policy, please contact selena.sulu@gmail.com.