Payment Policy

Effective Date: January 15, 2025

At Luxe Gem Design, we prioritize your security and convenience, offering a seamless payment experience for every transaction made through our website, luxegemdesign.com. This Payment Policy outlines the payment methods, processing procedures, and associated terms and conditions to ensure transparency and confidence in your shopping experience.

1. Accepted Payment Methods

We offer a variety of payment options to cater to your needs:

1.1 Credit and Debit Cards

  • Visa
  • MasterCard
  • American Express
  • Discover

1.2 Digital Payment Services

  • PayPal
  • Apple Pay
  • Google Pay (availability depends on your region).

1.3 Other Payment Options

  • Luxe Gem Design may offer region-specific payment methods, such as local bank transfers or e-wallets, based on your location. Any available options will be displayed at checkout.

2. Payment Processing

2.1 Secure Transactions

  • All payments are processed through trusted, encrypted third-party gateways, ensuring the highest standards of security.
  • Luxe Gem Design does not store or have direct access to your sensitive payment details, such as card numbers or CVVs.

2.2 Authorization

  • By providing payment information, you authorize Luxe Gem Design to charge the specified amount to your selected payment method.
  • Luxe Gem Design reserves the right to verify your payment details to prevent fraud or unauthorized use.

2.3 Payment Timing

  • Full payment is required at the time of purchase. Orders will not be processed or shipped until the payment is successfully completed.

3. Currency

3.1 U.S. Dollar Transactions

  • All transactions on the Website are conducted in U.S. dollars (USD).

3.2 Currency Conversion for International Customers

  • If you are purchasing from outside the United States, your financial institution may convert the payment to your local currency.
  • Additional fees or charges may apply for currency conversion or international transactions. Please contact your bank or card issuer for more information.

4. Taxes and Additional Fees

4.1 Sales Tax

  • Sales tax is calculated based on your shipping address and will be displayed during checkout.

4.2 International Duties and Taxes

  • Customers are responsible for any customs duties, import taxes, or additional fees imposed by their country’s customs authorities.
  • Luxe Gem Design is not liable for delays or costs associated with customs processing.

5. Failed or Declined Payments

If your payment is declined or fails to process:

  1. Verify the accuracy of the payment details provided.
  2. Ensure there are sufficient funds or credit available in your account.
  3. Check for restrictions on your card, such as geographic limitations or transaction limits.
  4. Contact your financial institution for assistance.

If issues persist, contact Luxe Gem Design’s customer support team for guidance.

6. Refunds and Chargebacks

6.1 Refund Policy

  • Refunds are processed in accordance with our Refund and Returns Policy.
  • Refunds will be issued to the original payment method and may take 7–10 business days to reflect in your account, depending on your bank or payment provider.

6.2 Chargebacks

  • Unauthorized chargebacks are prohibited. If a chargeback is initiated without contacting Luxe Gem Design first, we reserve the right to suspend your account or cancel future orders.
  • For disputes or concerns regarding your transaction, please contact us to resolve the issue amicably.

7. Fraud Prevention and Verification

7.1 Monitoring for Fraud

  • Luxe Gem Design employs advanced fraud detection tools to monitor transactions for suspicious activity.

7.2 Verification Requests

  • For high-value transactions or flagged orders, we may request additional documentation, such as a government-issued ID or proof of billing address, to verify your identity.
  • Failure to provide the requested information may result in order cancellation.

7.3 Protection of Customer Accounts

  • Customers are responsible for safeguarding their account credentials. If you suspect unauthorized access to your account, contact us immediately.

8. Discounts, Promotions, and Gift Cards

8.1 Discount Codes and Promotions

  • Only one discount code may be applied per order unless otherwise specified.
  • Discounts and promotions cannot be applied retroactively to past purchases.

8.2 Gift Cards

  • Luxe Gem Design gift cards are available for purchase and can be redeemed exclusively on our Website.
  • Gift cards are non-refundable and cannot be exchanged for cash.

9. Updates to This Payment Policy

Luxe Gem Design reserves the right to modify this Payment Policy at any time. Updates will be posted on this page with the revised effective date. We encourage you to review this policy periodically to stay informed about our payment practices.

10. Contact Us

For any questions or concerns regarding this Payment Policy, please contact us:

Thank you for choosing Luxe Gem Design. We are committed to providing a secure and reliable shopping experience. Your trust is invaluable, and we look forward to serving you.