Payment Policy

Payment Policy — Luminvara

Welcome to Luminvara. Every transaction on our site is built to be secure, transparent, and easy to understand — this policy walks through how we handle payments, billing, and the financial details that matter to you.

1. Accepted Payment Methods
We support a wide range of trusted payment options:

* American Express (AMEX)
* Apple Pay
* Google Pay
* Mastercard
* Maestro
* PayPal
* Shop Pay
* UnionPay
* Visa

Every payment runs through secure, established payment gateways.

2. When You're Charged
Payment is taken immediately when you place your order. Once it's authorized, you'll get an order confirmation email with your receipt and full order details.

3. Currency, VAT & Duties

* Currency: All transactions run in EUR (€).
* VAT (EU customers): VAT isn't added separately — it's already built into every listed price, in line with EU regulations. What you see is what you pay.
* Import duties (non-EU customers): Orders shipped outside the EU may be subject to customs duties or import taxes set by your local authorities. These are the customer's responsibility, not ours.

4. Payment Security
Your financial information is protected through:

* SSL encryption on every transaction
* PCI-compliant payment providers handling the processing
* No storage or access to your full card details on our end

5. If a Payment Fails
Before trying again, double-check that:

* Your billing details are entered correctly
* There are sufficient funds available

Still not working? Reach out to your bank first, or contact our support team and we'll help you troubleshoot.

6. Cancellations & Refunds

* Cancellations: Possible only before an order has been processed for shipping. Once it's dispatched, our [Return & Refund Policy] applies instead.
* Refunds: Approved refunds go back to your original payment method. Allow up to 14 business days for it to appear in your account — timing depends on your bank or provider.

7. Contact & Business Information
For billing or payment questions, reach us through:

Luminvara
Registered Business Name: Masud Trading
Business ID: 3417453-5
Business Address: Peltolankatu 5 D 65, 80220 Joensuu, Finland
Warehouse & Return Address: Kauppakatu 28, 80100 Joensuu, Finland
Phone: +358 44 961 9793
Email: info@luminvara.com
Response Time: We aim to respond to all inquiries within 1–2 business days.

8. Regulatory Compliance — Finland & European Union
Luminvara operates in full accordance with the payment and consumer-protection standards that apply to online sellers based in Finland and across the EU:

* Strong Customer Authentication (SCA): In line with the EU's revised Payment Services Directive (PSD2), electronic card payments on our site are verified using multi-factor authentication (such as 3D Secure) to keep your transactions secure.
* Licensed Payment Service Providers: All payments are processed through providers licensed within Finland or another EU member state, in compliance with PSD2 requirements.
* Price Transparency: Every price shown to you — on product pages, at checkout, and in your confirmation email — reflects the exact, final amount you will pay, with Finnish VAT already included, consistent with EU pricing-disclosure rules.
* Currency Consistency: All prices, from product listings through to checkout, are displayed and charged in EUR (€), with no discrepancy between what's advertised and what's billed.
* Consumer Rights Alignment: Our billing, cancellation, and refund practices are designed to meet the disclosure standards set out in the EU Consumer Rights Directive, so you always know what you're paying, when you're charged, and how to get your money back if needed.