PAYMENT POLICY

Effective Date: September 7, 2026

At LUMORA, we aim to make every purchase simple, secure, and convenient. This Payment Policy explains how payments are processed when you shop through our online store.

1. Accepted Payment Methods

LUMORA may accept the payment methods displayed at checkout, which may include:

  • Visa
  • Mastercard
  • American Express
  • Debit cards
  • PayPal
  • Apple Pay
  • Google Pay
  • Other payment methods made available at checkout

Available payment options may vary depending on your location and device.

2. Payment Authorization

When you place an order, your payment method may be authorized or charged for the total amount of your purchase.

An order may not be processed until payment has been successfully authorized.

If your payment is declined, incomplete, or cannot be verified, LUMORA may be unable to complete your order.

3. Pricing & Currency

All product prices are displayed in [CAD/USD — select your currency], unless otherwise stated.

Applicable taxes, shipping fees, and other charges will be displayed during checkout where required.

If you are purchasing from outside the currency used by LUMORA, your bank or payment provider may apply currency-conversion fees or exchange-rate differences.

4. Payment Security

LUMORA uses third-party payment processors and security technologies designed to help protect payment transactions.

LUMORA does not intentionally store your complete credit-card number or security code on our own systems where payment processing is handled by a third-party provider.

You should never send your full payment-card information to us by email, social media, or other unsecured communication methods.

5. Fraud Prevention

To protect our customers and our business, LUMORA may use fraud-detection and payment-verification services.

We may delay, decline, or cancel an order when a transaction appears suspicious or cannot be adequately verified, subject to applicable law.

6. Billing Information

You are responsible for providing accurate billing information when placing an order.

This may include:

  • Full name
  • Billing address
  • Email address
  • Payment information
  • Other information required by the payment provider

Providing incorrect information may result in payment failure or order delays.

7. Payment Errors

If you believe you have been charged incorrectly, please contact us as soon as possible.

Please provide:

  • Your order number
  • Date of purchase
  • Description of the issue

Email: [your email address]

We will review the transaction and work with the applicable payment provider where necessary.

8. Refunds

Approved refunds will generally be issued to the original payment method used for the purchase.

Once LUMORA processes a refund, the time required for the funds to appear in your account may depend on your bank or payment provider.

For complete information, please see our Return & Refund Policy.

9. Taxes

Applicable sales taxes will be calculated and displayed during checkout where required.

The amount of tax may vary depending on your billing or shipping location and applicable laws.

10. Discount Codes & Promotions

Discount codes must be entered during checkout where applicable.

Unless otherwise stated:

  • Discount codes cannot be combined.
  • Some products may be excluded.
  • Promotional codes may have expiration dates.
  • Discounts cannot normally be applied after an order has been completed.

Specific promotional terms will apply where provided.

11. Payment Disputes

If you have a concern about a charge, please contact LUMORA first so we can investigate and attempt to resolve the issue.

This does not affect any rights you may have under applicable law or through your payment provider.

12. Changes to This Payment Policy

LUMORA may update this Payment Policy when our payment methods, services, or legal requirements change.

The latest version will always be posted on our website with the applicable effective date.

13. Contact Us

For questions about payments, billing, refunds, or payment-related issues, contact:

LUMORA
Email: [your email address]
Website: [your website URL]
Business Address: [your business address]

LUMORA

BEAUTY. SCENT. CONFIDENCE.

Before publishing, replace the bracketed currency and contact details and remove any payment methods that LUMORA does not actually accept.