Payment Policy

Last Updated: February 28, 2025

At CaGu MoDu, we offer secure and convenient payment options for your furniture purchases. This page outlines our accepted payment methods, payment terms, and important information about the payment process.

Accepted Payment Methods

We accept the following payment methods for your convenience:

Payment Method Details

Credit and Debit Cards:

• Visa, MasterCard, American Express, and UnionPay accepted
• Instant payment processing
• Secure encryption for all card transactions
• Cards must be issued by Australian or international banks

Shop Pay:

• Fast checkout for returning customers
• Saves your payment information securely
• Available for eligible orders

Bank Transfer / Direct Deposit:

• Available for all orders
• Payment processed within 1-2 business days after transfer confirmation
• See Bank Transfer Details section below for account information

Currency

All prices on our website are displayed in Australian Dollars (AUD) and include GST (Goods and Services Tax) unless otherwise stated.

For international credit cards, your bank may convert the charge to your local currency. Exchange rates and any currency conversion fees are determined by your card issuer, not by CaGu MoDu.

Payment Terms

Standard Payment Process (All Products)

Step 1: Order Placement and Payment

• Full payment (100%) required at the time of order placement
• Payment must be completed to submit your order
• Credit card payments are processed immediately
• Bank transfers must be completed and confirmed before order processing begins
• You'll receive an order confirmation email once payment is received

Step 2: Order Confirmation (Custom/Made-to-Order Products Only)

• Within 24 hours, we'll send a detailed order confirmation email
• This includes all specifications, dimensions, colours, and final details
• Please review carefully and confirm all details are correct
• Reply to confirm or request any necessary changes
• Production begins once you confirm the order details

Step 3: Production and Delivery

• Your order is produced and shipped according to the timeline provided
• You'll receive tracking information when your order ships
• Delivery arranged according to our delivery policy

Partial Payment Option (Special Arrangements Only)

Partial Payment Terms:

• Available only for custom/made-to-order products
• Must contact customer service before placing order
• Email: support@cagumodu.com or Phone: +61 468 069 835
• Typical arrangement: 50% deposit + 50% balance before shipping
• Discount codes and promotional offers cannot be used with partial payment arrangements
• Payment plan must be agreed upon and confirmed in writing before order placement

How to Arrange Partial Payment:

1. Contact our customer service team with your order details
2. Discuss your requirements and obtain approval
3. Receive written confirmation of the payment arrangement
4. We'll create a custom invoice with the agreed payment schedule
5. Make the initial deposit payment
6. Confirm order details (for custom products)
7. Final payment due before shipping

Payment Terms Summary

Bank Transfer Details

Bank Account Information:

After Making a Transfer:

1. Email your payment receipt to: support@cagumodu.com
2. Include your order number in the email subject line
3. We'll confirm receipt within 1 business day
4. Order processing begins once payment is verified

Processing Time:

• Bank transfers typically clear within 1-2 business days
• We'll confirm payment receipt via email
• For custom products: Order confirmation email sent after payment verification
• For stock products: Order processing begins immediately after payment confirmation

Discount Codes and Promotional Offers

When You Can Use Discount Codes:

• Discount codes and promotional offers can be applied to orders with full payment (100%) at checkout
• Enter your discount code during the checkout process
• Discount will be applied before payment

When Discount Codes Cannot Be Used:

• Partial payment arrangements: Discount codes and promotional offers are not available when using partial payment plans
• This restriction applies to all custom payment arrangements made through customer service

Why This Restriction?

Our discount codes are designed for our standard checkout and payment process. Custom payment arrangements require manual processing and different terms, which are not compatible with automated discount systems.

Payment Security

Your payment security is our top priority. We use industry-standard security measures to protect your payment information.

How We Protect Your Payment Information

Secure Payment Processing:

• All online payments are processed through Shopify Payments, a PCI-DSS compliant payment gateway
• Credit card information is encrypted using SSL (Secure Socket Layer) technology
• We never store your complete credit card details on our servers
• All transactions are monitored for fraudulent activity

SSL Encryption:

• Our website uses 256-bit SSL encryption
• Look for the padlock icon in your browser address bar
• All data transmitted between your browser and our servers is encrypted

PCI Compliance:

• Our payment processing is fully PCI-DSS Level 1 compliant
• This is the highest level of security certification in the payments industry
• Your payment data is handled according to strict security standards

Payment Confirmation

Once your payment is successfully processed, you will receive:

• Immediate email confirmation with payment receipt
• Order summary including items, prices, and delivery details
• Tax invoice (if applicable)
• Expected delivery timeline
• For custom products: Follow-up order confirmation email within 24 hours with detailed specifications

If you don't receive a confirmation email within:

• 15 minutes for card payments, or
• 24 hours for bank transfers

Please contact us immediately at support@cagumodu.com

Payment Issues and Troubleshooting

Payment Declined

If your payment is declined, common reasons include:

• Insufficient funds in your account
• Incorrect card details entered
• Card expired or blocked
• Bank security measures (contact your bank)
• Daily transaction limit exceeded

What to do:

• Verify your card details are correct
• Contact your bank to ensure the card is active and has sufficient funds
• Try a different payment method
• Contact us for assistance: support@cagumodu.com

Duplicate Charges

If you believe you've been charged twice for the same order:

• Check your email for multiple order confirmations
• One charge may be a pending authorization that will drop off within 3-5 business days
• Contact us immediately with your order number and payment details
• We'll investigate and refund any duplicate charges within 5-7 business days

Payment Not Received

If you've made a payment but we haven't received it:

• Bank transfers: It may take 1-2 business days to process. Email us your payment receipt.
• Card payments: Check your bank statement to confirm the charge went through
• Contact us with your transaction details: date, amount, payment method
• We'll track down your payment and confirm receipt

Refunds and Cancellations

For detailed information about refunds and order cancellations, please refer to our comprehensive Returns, Refunds, Repairs and Cancellation Policy.

Quick Summary

Stock Products:

• Full refund available within 30 days if unused and in original packaging
• Refund processed to original payment method
• Processing time: 7-10 business days

Custom/Made-to-Order Products:

• Full refund if canceled before order confirmation (Step 2)
• 25% cancellation fee if canceled after production begins
• 75% cancellation fee if canceled after shipping
• Full refund for faulty products or manufacturing defects

Refund Method:

• Refunds are issued to the original payment method
• Credit card refunds: 3-10 business days
• Bank transfer refunds: 5-10 business days
• Payment processing fees are non-refundable

Pricing and Taxes

GST (Goods and Services Tax)

All prices displayed on our website include GST (10%) unless otherwise stated.

Your tax invoice will clearly show:

• Product price (ex-GST)
• GST amount
• Total price (inc-GST)
• Our ABN (Australian Business Number)

Price Changes

While we strive to keep our prices accurate and up-to-date:

• Prices are subject to change without notice
• The price you pay is the price shown at checkout
• For custom products, the final price is confirmed in your order confirmation email
• We reserve the right to correct pricing errors

Shipping Costs

Shipping costs are calculated separately and added at checkout based on:

• Product dimensions and weight
• Delivery address
• Volumetric weight calculation (see our Delivery Policy)

Payment Disputes

If you have a dispute regarding a charge on your account:

Step 1: Contact Us First

• Email: support@cagumodu.com
• Phone: +61 468 069 835
• Provide: Order number, charge amount, and reason for dispute
• We'll respond within 24 hours (business days)

Step 2: Investigation

• We'll investigate your claim promptly
• Most disputes are resolved within 2-3 business days
• We'll keep you updated throughout the process

Step 3: Resolution

• If we made an error, we'll refund you immediately
• If the charge is correct, we'll provide detailed explanation
• You have the right to dispute with your bank if you disagree

Privacy and Data Protection

We take your privacy seriously. When you make a payment:

• We only collect payment information necessary to process your order
• Your payment data is encrypted and securely transmitted
• We never store complete credit card numbers on our servers
• Payment information is processed by our PCI-compliant payment gateway
• We don't share your payment information with third parties except as necessary to process your order

For more information, please read our Privacy Policy.

Need Help with Payment?

Our customer service team is here to assist you with any payment questions or issues.

Contact Information:

• Email: support@cagumodu.com
• Phone: +61 468 069 835
• Business Hours: 10:00 AM to 6:00 PM AEST, Monday to Friday
• Response Time: Within 24 hours (business days)

When contacting us about payment, please include:

• Your order number
• Payment date and amount
• Payment method used
• Detailed description of your issue
• Any relevant screenshots or receipts