At Charmony, we prioritize the security of your payment information. This Payment Security Policy outlines the measures we take to protect your data during transactions.

 

1. Secure Payment Processing

Payment Methods: We accept major credit/debit cards (e.g., Visa, MasterCard) and digital wallets (e.g., PayPal) through trusted third-party payment gateways.
Encryption: All payment data is transmitted using TLS 1.3 encryption and stored with AES-256-GCM encryption, ensuring it remains secure from unauthorized access.
PCI-DSS Compliance: Our payment processors adhere to the Payment Card Industry Data Security Standard (PCI-DSS) Level 3.2, a global benchmark for protecting cardholder data.

 

2. Data Handling

No Storage of Sensitive Data: Charmony does not store your full credit card numbers, CVV codes, or other sensitive payment details on our servers. This information is processed directly by our payment partners.
Retention: Transaction-related data (e.g., payment confirmation) is retained for 7 years to comply with legal requirements (e.g., China Accounting Law), but sensitive payment details are purged within 72 hours post-transaction.

 

3. Fraud Prevention

Monitoring: We use automated tools to detect and prevent fraudulent transactions, including IP address analysis and device fingerprinting.
Verification: Additional verification (e.g., 3D Secure) may be required for high-risk transactions to protect you and us.

 

4. Third-Party Partners

We partner with certified payment gateways (e.g., PayPal) that maintain strict security standards. These partners handle your payment data under their own PCI-DSS-compliant policies.

 

5. Your Responsibilities

Account Security: Keep your Charmony account credentials confidential to prevent unauthorized use.
Reporting Issues: If you suspect any payment-related issues, contact us immediately at Charmonyofficial@gmail.com. We’ll respond within 48 hours.

 

6. Contact Us

For questions about payment security, reach out to:
Email: Info@charmony.com.au