Payment Disclosure (United Arab Emirates).

This Payment Disclosure explains how Orders on the Culture Circle United Arab Emirates storefront are priced in AED, which payment methods are available, how your card-issuing bank may add fees, and how refunds work. By placing an Order you accept the Bank-Fee Acknowledgment in clause 6.

All prices on the United Arab Emirates storefront are displayed in AED. The AED price shown at checkout is the amount charged. Prices are set by Culture Circle and refreshed periodically. The price applicable to your Order is the one displayed and accepted at checkout.

a) Cards: credit and debit cards are accepted on every Order and are charged in AED at checkout. b) Cash on delivery is available. On Orders of AED 500 or less, the full amount is paid in cash to the delivery agent and nothing is charged online. On Orders above AED 500, 20% of the Order is charged to your card at checkout and the balance is collected in cash on delivery. Culture Circle does not store full card numbers, CVV or banking credentials. Payment-instrument data is held and processed by the payment gateway under PCI-DSS standards.

a) The charge normally appears in AED, matching the price displayed at checkout. b) Your card-issuing bank may add a foreign-transaction fee, typically 1% to 3% of the transaction value, on charges to merchants domiciled outside United Arab Emirates. Culture Circle is operated by an India-incorporated entity, so your bank may treat the transaction as a foreign-merchant transaction and apply its standard fee. c) Foreign-transaction fees are charged by your bank, not by Culture Circle, and are not refundable by Culture Circle. Consult your bank for its current fee schedule. d) In rare cases, depending on card type and your bank's routing rules, the transaction may be presented to your bank in a currency other than AED. Where that happens your bank applies its own conversion rate, which may differ slightly from the AED price at checkout.

a) On a part-paid COD Order, the advance is charged to your card at checkout and the balance is collected in cash by the delivery agent at the door. b) The amount collected at the door is the outstanding AED balance of the Order and nothing else. No duty, tax, or handling fee is added at delivery. c) Have the exact balance ready where possible. Delivery agents may not carry change for large notes. d) Refusing to pay at the door is treated as a failed delivery under the Shipping Policy at /ae/shipping, and the advance on a part-paid Order is refunded less any non-refundable customs cost already incurred. e) Culture Circle may withhold COD as an option on a phone number or address with a history of refused or undelivered COD Orders, and may require phone or identity verification before confirming a COD Order.

Culture Circle issues a refund in three situations: an Order cancelled inside the 3-hour window described in clause 5 of the Terms of Service at /ae/terms, an eligible return under the Returns Policy at /ae/returns, or an Order that Culture Circle itself cancels. Outside those, an Order is not refundable. In each case: a) The refund is processed back to the original payment instrument in AED, the same currency the Order was charged in. b) On a COD Order where cash was collected at the door, the refund is issued to a bank account or payment instrument you nominate, since there is no original instrument to credit. Culture Circle will request those details as part of the refund process. c) The refund equals the AED amount originally paid, less any non-refundable customs duty (see /ae/customs-duties) and less any cancellation deduction disclosed in the Returns Policy. d) Foreign-transaction fees already charged by your card-issuing bank are not refundable by Culture Circle. e) Typical timeline: 7 to 14 business days from refund initiation, plus your bank's settlement period of 3 to 7 days.

By placing an Order on the Culture Circle United Arab Emirates storefront, the UAE Customer acknowledges and accepts that: a) Orders are charged in AED matching the price displayed at checkout, and refunds are processed in AED at the original Order amount, less non-refundable customs duty and any disclosed deduction. b) The card-issuing bank may at its own discretion apply a foreign-transaction fee or other surcharge to the original charge or to a refund, based on Culture Circle's merchant domicile outside United Arab Emirates. Such fees are charged by the bank, not by Culture Circle, and are not refundable by Culture Circle. c) The customer should consult their card-issuing bank for its fee schedule before ordering if such fees are a concern. This acknowledgment is a material term of using the Platform.

a) Contact Culture Circle support first at customersupport@culture-circle.com. b) If the dispute cannot be resolved bilaterally, you may escalate through the payment gateway's dispute mechanism or your card-issuing bank's chargeback process. c) As an India-incorporated entity, Culture Circle is subject to applicable Indian payment regulations, including those issued by the Reserve Bank of India.

Culture Circle and its payment gateways apply fraud-prevention checks on United Arab Emirates Orders. High-risk Orders may be held pending additional verification, including identity verification or source-of-funds confirmation. Orders confirmed as fraudulent are cancelled and refunded.

Email: customersupport@culture-circle.com WhatsApp Support: +971 54 273 7426 Hours: Mon to Sat, 9:00am to 5:30pm GST