Buy Now Pay Later Policy

1.⁠ ⁠Service Description

This website offers users the “Buy Now Pay Later” (BNPL) payment option powered by Microcredit. With this service, you can purchase products immediately and pay in installments or defer payment to an agreed date.

2.⁠ ⁠Service Provider

BNPL services are exclusively provided by Microcredit. This website only acts as a platform to display the payment option and does not directly provide installment or deferred payment services.

3.⁠ ⁠Eligibility Requirements

• You must be at least 18 years old and have full legal capacity.

• You must pass the credit assessment and identity verification conducted by Microcredit.

• The availability of BNPL services may vary depending on order amount, account history, or regional restrictions.

4.⁠ ⁠Installments and Fees

• Installment plans and service fees are determined by Microcredit and will be displayed at checkout.

• Late payments may result in late fees or interest charges imposed by Microcredit.

• Please carefully review and agree to Microcredit’s terms and policies before selecting this payment option.

5.⁠ ⁠Refunds and Returns

• If you request a refund/return for an order placed via BNPL, this website will process products and amounts in accordance with our return policy.

• Any installments already paid and future billing will be adjusted or refunded by Microcredit.

6.⁠ ⁠Risks and Responsibilities

• Using BNPL services may affect your credit record.

• Any credit issues, fees, or legal liabilities arising from the use of BNPL services are the sole responsibility of the user and Microcredit.

• This website is not responsible for Microcredit’s approval process, charges, or billing arrangements.

7.⁠ ⁠Contact Information

• For order and product-related inquiries, please contact this website’s customer service.

• For questions regarding payment plans, billing, or credit, please contact Microcredit directly.