Effective Date: September 2, 2026
Store Name: Lumiraq
Legal Business Name: Aroma Naturals, Inc
Welcome to Lumiraq
This Payment Policy outlines the secure payment methods, billing procedures, and financial guidelines associated with making a purchase on our online store. We are committed to providing a safe, secure, and straightforward checkout experience so you can shop with absolute confidence. By placing an order on our website, you agree to comply with the terms and billing procedures outlined in this policy.
1. Accepted Payment Methods
To make your shopping experience as convenient and flexible as possible, Lumiraq accepts a variety of secure, trusted payment methods and buy-now-pay-later options. All transactions are processed through encrypted, industry-standard checkout gateways to protect your financial data:
Major Credit and Debit Cards (via Stripe): We accept Visa, MasterCard, American Express, Discover, and other major domestic credit and debit cards securely processed through Stripe.
PayPal: You can check out quickly and securely using your PayPal account balance, linked bank accounts, or approved cards.
Buy Now, Pay Later (Affirm & Afterpay): Eligible customers can select Affirm or Afterpay at checkout to split their purchase into manageable, interest-free or structured installment payments over time.
Currency: All transactions, product prices, and shipping fees on our store are listed and billed exclusively in United States Dollars (USD / $).
2. Payment Processing and Security
Authorization: When you input your payment details or select an installment/digital wallet option (such as PayPal, Affirm, or Afterpay) and submit an order, your financial institution or provider authorizes the purchase amount immediately. Funds or installment schedules are securely established at the time your order is placed to initiate our fulfillment process.
Data Protection & Encryption: Your security is our top priority. Our website utilizes advanced Secure Sockets Layer (SSL) encryption technology. This ensures that your sensitive personal and financial data—such as credit card numbers and billing addresses—are securely encrypted during transmission across the internet.
Third-Party Gateways: We partner with trusted, PCI-DSS compliant payment processors, including Stripe and PayPal, to handle your transactions safely. Lumiraq does not store your full credit card numbers, bank credentials, or sensitive CVV security codes on our local servers.
3. Billing Accuracy and Verification
Accurate Details: You agree to provide current, complete, and accurate purchase and account information for all store transactions. You must promptly update your account and payment details, including your email address and payment method expiration date, so that we can complete your transactions and contact you as needed.
Order Screening & Verification: To protect our customers from fraudulent activities, our system and team may review orders for potential billing discrepancies. If your payment triggers a security flag, our support team may reach out to verify your billing information before the order is approved and sent to fulfillment. We reserve the right to cancel or refuse any order if unauthorized or fraudulent payment is suspected.
4. Pricing Errors, Taxes, and Fees
Pricing Accuracy: We make every effort to ensure that all pricing displayed across our website is accurate. In the rare event that a product is incorrectly listed at an incorrect price, Lumiraq reserves the right to refuse or cancel any orders placed for the product listed at the incorrect price.
Sales Tax: Applicable sales tax will be calculated, displayed, and charged at checkout based on the shipping address destination and state tax regulations applicable to your order within the United States.
No Hidden Fees: We believe in complete transparency. Beyond the product price and applicable sales tax (with shipping being completely free across the USA), there are no hidden checkout fees, surprise surcharges, or extra transaction handling costs added by us.
5. Chargebacks and Payment Disputes
Direct Resolution First: If you encounter any issues regarding a charge, an unauthorized transaction, or an order fulfillment problem, we strongly encourage you to contact our customer support team first before filing a formal chargeback with your bank, credit card issuer, or payment provider (such as PayPal, Affirm, or Afterpay). We are dedicated to resolving any billing errors, processing mistakes, or fulfillment issues quickly and fairly.
Fraudulent Chargeback Abuse: Initiating false or fraudulent chargebacks for items that have been successfully delivered according to carrier tracking can result in account suspension, restriction from future purchases, and necessary legal actions to recover losses.
Contact Information
If you have any questions, encounter payment issues, or require assistance regarding our Payment Policy, please reach out to our team using the active contact details below:
Business Name: Lumiraq
Customer Service Phone: +12137360067
Business Address: 833 S Western Ave #18, Los Angeles, CA 90005, United States
Support Hours: Monday – Friday, 9:00 AM – 5:00 PM (Pacific Time)
Live Chat Support: Available 24/7
