COCOJOR Q&A ON MINICLE MICRO BUBBLE FINANCE OPTIONS

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A Note from Cocojor About Our Value & Payment Options 💧

Our Commitment

As the only woman-owned, small business in Hawaii specializing in luxury pet wellness technology made in Japan, Cocojor brings ALOHA into every detail of our practices. Our products and machines are custom-made exclusively for Cocojor, with small-batch Spaw formulations to preserve freshness and precision. At the heart of our innovation is the Minicle® Micro Bubble system, a patented, USPTO-protected therapeutic technique that delivers real, measurable benefits for pet health and skincare—something no other company in the world can offer.

We are passionate about helping people fully experience the transformative power of Minicle®, providing guidance, education, and personal support so you can understand how this system enhances pet wellbeing. Especially in Hawaii, where the high cost of living and credit card rates make careful financial planning essential, Cocojor is here to make access to this technology easier and smarter.

Why Our Financing Matters

Cocojor’s in-house financing program is designed to spread payments over 3-12 months at zero interest, helping you invest in your pet’s health without the burden of high-interest credit cards. Once you become part of our program, our *Minicle Money ecosystem allows you to build value, earn commissions, and grow your wellness business, all while learning and practicing the techniques that make Minicle® so unique.

What Makes Cocojor Unique

The Minicle® Micro Bubble system is more than a machine—it’s a complete wellness solution grounded in nearly two decades of expertise. Monica Shigenaga, Cocojor’s founder, is the world’s only authority on Minicle® Micro Bubble technology for pets, ensuring every solution we offer is backed by authentic experience, rigorous education, and proven results.

Your Investment Includes

Patented, Japanese-manufactured Minicle® Micro Bubble technology
Exclusive access to our Skin & Health Course
Personal guidance and ongoing education from the industry pioneer
A premium system designed to retain long-term value
Access to our Ambassador and VAR Program, where commissions can be applied to your in-house loan or reinvested to grow your wellness ecosystem

The Cocojor Difference

Choosing Cocojor is not just purchasing a product—it is joining a system of care, knowledge, and opportunity. Our therapies and educational programs are designed to be easy to learn, effective, and wealth-building, reflecting our philosophy that true wellness combines health, knowledge, and opportunity.

A Personal Thank You

By supporting Cocojor, you are helping a woman-owned, Hawaii-based small business continue to innovate in pet wellness while making the world’s only Minicle® Micro Bubble technology accessible. Your trust fuels our mission to deliver the highest-quality wellness solutions and create a thriving community where health, education, and opportunity intersect. 🐾

FREE DISCOVERY CALL

(Please read carefully)

Cocojor Minicle® Micro Bubble Payment Plan – Financial Options

Congratulations on taking the first step toward bringing the Minicle® Micro Bubble system into your care practice or home. Every individual who has applied for our in-house financing has successfully obtained a Minicle® Micro Bubble machine.

Our in-house loan is fully supported by Cocojor, not a third-party finance company, and carries zero interest. We do not profit from financing—this program exists purely to support our clients. As an owner-operated, woman-led small business in Hawaii, we understand the challenges of high living costs and credit card interest rates. We created this option to make Minicle® ownership accessible while maintaining the premium quality and care our clients expect.

Approval for payment plans is not guaranteed for all customers, as it depends on factors discussed during your discovery call assessment. Cocojor never requires access to your financial records.

Payment Options

Full Payment – Preferred. Pay in full upfront with no processing fees.
50% Down / 50% Upon Shipment – Make half of the payment at order and the remaining half when your Minicle® Micro Bubble system is shipped. No processing fees for non-card methods.
Cocojor In-House Loan – Spread the remaining balance over 3–12 months at zero interest via AutoPay.
Afterpay – Buy Now, Pay Later (third-party).
Klarna – Buy Now, Pay Later (third-party).

Full Payment Benefits & Advantages

Accepted Methods (No Processing Fee):
☐ Cash ☐ Personal or Business Check ☐ Cashier’s Check ☐ Money Order ☐ Wire Transfer

Special Benefits of Full Payment:

1. Financial Advantages

Save 4% instantly by avoiding credit/debit card processing fees
No monthly payment management required
No risk of late payment fees
Immediate ownership of your Minicle® Bubble system
Avoid credit card APRs (20–23%), saving hundreds or thousands

2. VIP Access Benefits

Instant access to the Cocojor Classroom VIP portal
Priority scheduling for support and consultations
Exclusive access to special events and workshops
Early access to new product launches

3. Additional Perks

Priority shipping status
Exclusive coupons and VIP newsletter subscription
Direct access to the VIP customer support line

💡 Tip: Use cash, check, money order, or wire transfer to avoid card processing fees and maximize your savings.

Cocojor In-House Loan – Zero Interest for 12 Months

This is a mutual finance agreement created to help our valued customers during challenging economic times. Cocojor, as a small, owner-operated business, offers this option as a courtesy to make Minicle® ownership more accessible.

Key Details:

50% down payment required to activate the plan. Machine is shipped only after payment is received.
Remaining balance divided into 3–12 monthly payments via AutoPay.
First payment processed at activation grants access to your VIP Cocojor Classroom.
Early payoff allowed at any time with no penalties.
4% processing fee applies only if using credit/debit cards; fee is automatically added to your final amount. Cocojor does not profit from this fee.

Accepted Methods for Down Payment (No Fee):
☐ Cash ☐ Personal or Business Check ☐ Cashier’s Check ☐ Money Order ☐ Wire Transfer

Affiliate, Ambassador & VAR (Value-Added Reseller) Commission Policy

Any earned commissions from our Ambassador, Affiliate, or VAR programs are automatically applied toward your Cocojor in-house loan, helping reduce your balance faster and simplifying the payment process. This ensures that participating in our ecosystem not only provides opportunities to build wealth and influence, but also directly supports your Minicle® investment.

Important Note: If you use a third-party platform (such as Afterpay or Klarna) for your purchase, commissions earned cannot be applied toward balances managed by these third-party companies.

Afterpay & Klarna (Third-Party Platforms)

Cocojor also supports Buy Now, Pay Later options through Afterpay and Klarna.

These are third-party agreements strictly between you and the platform.
Cocojor has no direct involvement or liability with these services.
A 6% processing fee applies to all Afterpay and Klarna transactions.

Quick Comparison

Option	Processing Fee	Interest Rate	Key Benefit
Full Payment (Non-Card)	None (save 4%)	0%	Ownership + VIP benefits + no fees
Cocojor In-House Loan	4% (card use)	0%	Zero interest, 3–12 month flexibility
Afterpay / Klarna	6%	0%	Buy Now, Pay Later convenience

Cocojor In-House Loan – Zero Interest for 3 - 12 Months

At Cocojor, our mission is to help you and your cherished pet achieve optimal health with the Minicle® Micro Bubble System. We understand these are challenging economic times, which is why Cocojor offers a 3-12-month, zero-interest loan—a rare courtesy, not a standard industry practice. Please take this opportunity seriously and use it responsibly.

Terms & Conditions

1. Interest & Fees

0% interest if the loan is paid in full within the 12-month term
A 4% processing fee applies to all credit/debit card payments
This fee is non-negotiable and set by card processors, not Cocojor
Cocojor does not profit from processing fees — they are standard across the industry
Fees are separate from and in addition to the purchase price
Important: All card transactions are automatically processed through our secure system. Staff cannot manually remove or adjust these fees.

2. Eligibility & Availability

Available exclusively to clients in the USA
Requires a discovery call and buyer qualification assessment
Credit checks are generally not required; in rare cases, a soft check may be performed (does not impact your credit score)

3. Payment Structure

50% down payment is required to activate the loan
Remaining balance financed over 3–12 months at 0% interest
Auto-pay setup is mandatory (includes the down payment + first month’s installment)
Machine will be released only after a signed Mutual Finance Agreement and payment plan are in place

4. Early Payoff

Customers are encouraged to pay off their loan early — there are no penalties for early payment

5. Non-Payment Policy

If payments fail after three attempts in a given month and no alternative method is provided:
- Account may be sent to a collection agency
- A police report for stolen property may be filed
- Legal action may be pursued as a last resort

6. Ambassador & Affiliate Program Members

Any earned commissions will be automatically applied toward your outstanding in-house loan balance until paid off
Important: Commissions cannot be applied toward balances managed by third-party platforms like Afterpay or Klarna

How It Works

Schedule a discovery call with Cocojor
We assess your needs and determine the most suitable payment option
If approved, you make your 50% down payment and set up AutoPay
Once your agreement is signed, your Minicle® Micro Bubble system will be released

Why This Matters

Credit card interest rates today average 20–25%. By offering a true 0% loan, Cocojor is carrying the financial burden for you, saving you hundreds to thousands of dollars in avoided interest charges.

This program reflects our ongoing commitment to helping pet families access the world’s only patented Minicle® Micro Bubble technology — a one-of-a-kind solution backed by nearly two decades of expertise and education.

(Updated February 4, 2025)

Free Discovery Call

Cocojor Minicle® Micro Bubble Payment Plan – Buy Now, Pay Later

(As of December 31, 2024)

If your current budget makes it difficult to purchase the Minicle® Micro Bubble machine, Cocojor offers alternative Buy Now, Pay Later (BNPL) financing through Afterpay and Klarna.

These platforms allow you to obtain your machine now and pay over time. Please note: a 6% processing fee applies to all Afterpay and Klarna transactions.

Important Notes

These are third-party agreements strictly between you and Afterpay/Klarna.
Cocojor has no direct involvement or liability in these financing arrangements.
Affiliates, Ambassadors, and VAR partners: your commissions cannot be applied toward outstanding balances with Afterpay or Klarna.
Foreign transactions require prior approval from Cocojor’s office and must be set up in your country’s supported currency.

How Afterpay Works

Supports up to $4,000 USD in the U.S. (can be applied toward your in-house down payment)
International limits:
- Canada: $2,000 CAD
- Australia: $2,000 AUD
- United Kingdom: £1,200 GBP (via Clearpay)
Typical payment options:
- Pay in 4: Four payments over six weeks
- Monthly Installments: Longer-term plans available, depending on approval
Customers are redirected to Afterpay’s site, where approval is instant.
Cross-border fees may apply for international transactions.

How Klarna Works

Supports up to $10,000 USD in the U.S. (may cover full machine payment)
International limits:
- Canada: $2,000 CAD
- Australia: $4,000 AUD
- United Kingdom: £5,000 GBP
Payment plan options include:
- Pay Now: Immediate payment (required for offers under $35)
- Pay in 4: Four automatic payments, every 2 weeks
- Pay in 30 Days: Full payment within 30 days
- Pay Over Time: Financing plans from 6–24 months (interest may apply depending on approval)
Customers are redirected to Klarna’s site for sign-up, approval, and payment management.

Quick Comparison – Afterpay vs Klarna (please refer to their site for updated information)

Feature	Afterpay	Klarna
Max. Limit (U.S.)	$4,000	$10,000
Use Case	Down payment or partial pay	Full payment possible
Installment Options	Pay in 4 or monthly terms	Pay Now, Pay in 4, Pay in 30, 6–24 months financing
Processing Fee	6%	6%
International Limits	$2,000 CAD / AUD / £1,200 UK	$2,000 CAD / $4,000 AUD / £5,000 UK
Interest	0% (if on time)	Some financing plans may add interest

Steps to Use Afterpay or Klarna

Select “Afterpay” or “Klarna” at checkout.
Enter a few personal details for instant approval.
You’ll receive confirmation and reminders directly from the provider.
Manage payments via the Afterpay or Klarna app.