Payment Policy
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This policy explains how you pay for orders at Lumora Gems, the currency we charge in, how taxes work, and how we keep your payment secure.
Accepted payment methods
The payment methods we accept are shown at checkout. These may include major credit and debit cards and digital wallets. Payment is taken in full when you place your order.
Currency and prices
All prices on our site are in US dollars (USD). The price you see in your cart is the price you pay, plus any shipping and sales tax shown at checkout before you confirm your order.
Taxes and fees
Sales tax, where applicable, is calculated at checkout based on your shipping address. Shipping costs, if any, are shown at checkout before you pay. We add no hidden fees or handling charges after you place your order.
Secure payments
Our checkout is protected by SSL encryption. Your card details are entered on our payment processor's secure page and are never stored on our site, and we never see your full card number.
When you are charged
Your payment method is charged when you complete checkout. You will receive an order confirmation email straight away. If the payment cannot be completed, no order is placed.
Declined or failed payments
If your payment is declined, please check your card details, billing address, and available balance, or try another payment method. Your bank may need to approve the payment, so contact them if the problem continues.
Order verification and fraud prevention
To protect our customers and ourselves, we may review orders and ask for additional information to verify a payment. If we cannot verify an order, we may cancel it and refund you in full.
Refunds
Refunds are returned to your original payment method within 5 to 7 business days of us approving your return. Your bank may take a few additional days to show the credit. See our Return & Refund Policy for the full details, including the 30-day return and exchange window.
Billing questions and disputes
If you see a charge you do not recognize or believe there is a billing error, contact us first and we will resolve it quickly. We reply to every message within 24 hours.
Billing terms
By placing an order, you authorize us to charge the total shown at checkout to your chosen payment method. All sales are one-time purchases. We do not charge subscriptions or recurring fees.
Contact Information
Email: support@lumoragems.shop
Phone: +1 410 951 3487
Address: 305 E Cross St, Baltimore, Maryland, United States