PAYMENT POLICY

Effective Date: February 1, 2026

1. POLICY OVERVIEW

This Payment Policy outlines the payment methods accepted by TobiTribe, the procedures governing payment processing, and the security measures implemented to ensure safe transactions for customers purchasing products through the website.

This policy has been prepared in accordance with European consumer protection laws, e-commerce transparency requirements, and digital commerce standards applicable within the European Economic Area.

Customers placing orders through the TobiTribe website agree to the payment terms described in this policy.

2. ACCEPTED PAYMENT METHODS

TobiTribe offers several payment options to accommodate customers across Europe.

Available payment methods may include:

2.1 Cash on Delivery (COD)

Cash on Delivery allows customers to pay for their order at the time of delivery.

Under this payment method:

the customer places an order online
the order is processed and shipped
payment is made directly to the courier upon delivery

This payment method allows customers to receive and inspect the shipment before completing payment.

2.2 Credit and Debit Card Payments

Where available, customers may complete payment online using major credit or debit cards.

Supported card networks may include:

Visa
Mastercard
American Express
other regionally supported card providers

All card payments are processed through secure payment gateways designed to protect customer financial information.

2.3 Additional Electronic Payment Systems

Depending on the customer’s location and the payment service providers integrated into the website, additional electronic payment options may be available.

These may include digital wallet systems or regional payment platforms.

The availability of payment methods may vary depending on the customer’s country of residence and applicable payment regulations.

3. CURRENCY AND PRICING

Prices displayed on the TobiTribe website are presented in the currency indicated during checkout.

Where applicable:

taxes are included where legally required
shipping costs are shown separately unless otherwise specified

Customers are responsible for reviewing the final order total before confirming payment.

If currency conversion is required, the exchange rate applied will depend on the payment provider used by the customer.

4. ORDER CONFIRMATION

After placing an order, customers will receive an order confirmation email containing:

order number
list of purchased products
delivery address
selected payment method
total order amount

This confirmation acknowledges that the order request has been received.

The order will proceed to processing and shipping once verification procedures have been completed.

5. PAYMENT SECURITY

TobiTribe implements various technical and organizational measures to protect payment information and prevent unauthorized transactions.

These measures may include:

encrypted payment processing
secure HTTPS connections
secure checkout infrastructure
fraud detection systems
verification mechanisms to detect suspicious activity

Payment card data is processed through secure third-party payment service providers that comply with applicable payment security standards.

TobiTribe does not store complete credit card information on its own servers.

6. CASH ON DELIVERY PROCEDURES

When Cash on Delivery is selected as the payment method, the following conditions apply:

payment must be made to the courier at the time of delivery
the payment amount corresponds to the total order value confirmed at checkout
the courier may accept payment in cash or through portable card terminals depending on the courier service used

Customers should ensure that the correct payment amount is available at the time of delivery.

Failure to complete payment at delivery may result in cancellation of the order.

7. PAYMENT VERIFICATION

To prevent fraud and ensure secure transactions, TobiTribe may perform verification checks on certain orders.

These checks may include:

address verification
payment method validation
fraud risk assessment
order history analysis

If additional verification is required, customer support may contact the customer before the order is processed.

Failure to provide requested verification information may result in order cancellation.

8. PAYMENT DISPUTES

If a customer believes that a payment has been processed incorrectly or if an unauthorized transaction is suspected, the customer should contact TobiTribe customer support immediately.

Payment disputes may be investigated in cooperation with the payment service provider and, where applicable, the courier partner.

Customers are encouraged to first attempt resolution through customer support before initiating formal chargeback procedures.

9. REFUNDS

Refunds, when applicable, are processed according to the terms described in the Return and Refund Policy.

Where refunds are issued:

refunds are processed using the original payment method whenever possible
Cash on Delivery refunds may be issued through bank transfer or other mutually agreed payment methods

Refund processing times may vary depending on the payment provider.

10. FRAUD PREVENTION

TobiTribe reserves the right to cancel or suspend orders where fraudulent activity is suspected.

Indicators of potential fraud may include:

inconsistent customer information
suspicious payment patterns
multiple failed payment attempts
unusual ordering behavior

Customers engaging in fraudulent activity may have their accounts restricted and may be reported to relevant authorities where appropriate.

11. PAYMENT COMPLIANCE AND TRANSPARENCY

TobiTribe strives to maintain transparent and fair commercial practices in accordance with applicable consumer protection rules within the European Economic Area.

Customers are provided with:

clear price information
transparent payment options
confirmation of order details prior to payment
access to customer support for payment inquiries

These practices align with EU digital commerce transparency standards and consumer protection principles.

12. CONTACT INFORMATION

For questions regarding payments, billing, or order transactions, customers may contact:

TobiTribe Customer Support

Email: info@tobitribe.com

Address:

GLOBAL INTEGRATED MARKETING COMMUNICATION GROUP HOLDINGS LIMITEDMINDEN AVENUE TSIM SHA TSUI, KLRM 01,15/F, GOLDSLAND BUILDING 22-26Tsim Sha TsuiHong Kong

Customer Support Hours:
Monday – Friday
09:00 – 18:00 (CET)