Billing Terms & Conditions

These Billing Terms & Conditions govern all commercial transactions executed on the Luminayard website (www.luminayard.com). This site is legally owned and operated by AFG RETAIL PTY LIMITED. By purchasing products from our store, you fully accept and agree to these secure billing terms.

1. Safe and Secure Payment Architecture

We provide a highly secure environment for all online transactions. Our checkout infrastructure utilizes industry-standard Secure Sockets Layer (SSL) 256-bit encryption technology. This ensures that your private personal data, credit card information, and financial details are fully encrypted and transmitted safely without risk of interception.

2. Accepted Methods of Payment

We accept a wide variety of globally recognized and trusted payment methods to accommodate our United States customer base:

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

Payment must be fully cleared and authorized before we initiate the product handling and shipping processes.

3. Complete Pricing Transparency & Currency

• All prices displayed on our website are denominated strictly in United States Dollars (USD, $).
• No Hidden Fees: The price listed on the product page combined with any applicable state sales taxes calculated dynamically at checkout constitutes the entire financial obligation. We never charge hidden processing fees, handling charges, or surprise costs.
• Shipping Cost: Always $0.00 (Free Shipping) for all orders across the United States.

4. Prevention of Billing Fraud

To guard against fraudulent card usage and safeguard our consumers, the billing address provided during checkout must strictly match the registration address associated with your credit card or payment provider. We reserve the absolute right to cancel any transaction that triggers automated safety flags.

5. Full Legal Entity Transparency (GMC Merchant Verification)

In accordance with international cross-border consumer protections and Google Merchant Center transparency policies, we explicitly declare our full corporate registration details. Consumers can purchase with complete confidence knowing exactly who they are doing business with: