Payment & Billing Policy

At Luminayard, we are committed to providing our customers with an absolute secure, transparent, and frictionless checkout experience. This Payment & Billing Policy governs all financial transactions executed across our digital commerce platform (www.luminayard.com). By purchasing our home curation products, you fully acknowledge and agree to the secure operational frameworks detailed below.

1. Industry-Leading Encryption & Security Compliance

Your financial security is our highest commercial priority. The Luminayard checkout infrastructure operates on an advanced 256-bit Secure Sockets Layer (SSL) encryption architecture. This enterprise-grade network setup fully scrambles your private information, ensuring that your credit card numbers, billing profiles, and personal identifiers are transmitted safely without risk of interception or external storage.

Furthermore, our transactional servers are fully certified as PCI-DSS Level 1 Compliant (Payment Card Industry Data Security Standard). This represents the global gold standard for electronic commerce safety, ensuring our systems undergo continuous automated vulnerability scanning and security audits.

2. Authorized and Accepted Payment Methods

To accommodate our United States consumer base, we accept a comprehensive suite of internationally verified and trusted payment processing networks. You can securely settle your aggregate balance at checkout using:

• Major Credit and Debit Cards: Visa, Mastercard, American Express, Discover, Diners Club, and JCB.
• Digital Wallets & Express Checkout: PayPal.

Please note that full payment clearance and authorization must be successfully executed by your financial provider before your order enters our 1-to-3 business day handling and fulfillment sequence.

3. Absolute Pricing Transparency & Fixed Currency

Luminayard operates under a strict policy of zero financial hidden costs. We firmly reject unexpected surcharge practices. Your total financial obligation consists purely of the explicit parameters outlined at checkout:

• Transaction Currency: All prices, dynamic calculations, and final transaction invoices are executed strictly in United States Dollars (USD, $). If you are ordering using an international credit card, your bank may apply a nominal cross-border conversion rate; Luminayard does not collect or control these independent institution fees.
• Shipping Surcharges: Always $0.00 (Free Shipping) across the United States. There are no surprise handling fees, processing fees, or fuel adjustments added during the checkout funnel.
• Sales Tax: Applicable state sales taxes are computed dynamically at the final stage of checkout, determined strictly by the statutory regulations of your destination shipping address. The total price displayed at final confirmation is the absolute final cost.

4. Anti-Fraud Verification & Transaction Review

To protect our consumers against unauthorized card utilization and to strictly comply with international anti-money laundering frameworks, Luminayard deploys automated risk scoring assessment tools. The billing address you input during checkout must strictly correspond with the registration address held by your credit card issuer.

We reserve the absolute right to temporarily hold or cancel any order that triggers security red flags, fails basic address verification (AVS), or exhibits suspicious transaction patterns. If an order is canceled due to safety parameters, the authorized funds are immediately released back to your original payment method.

5. Legal Corporate Accountability & Governance

In full compliance with Google Merchant Center consumer trust protocols, we explicitly declare the complete registered legal body responsible for managing website payments, commercial data ingestion, and post-purchase consumer disputes: