Last Updated: December 25, 2025
Applies to: United States – Canada – European Union
1. Accepted Payment Methods
We accept the following payment methods for all marketing services, digital products, and implementation packages:
- Stripe (Visa, MasterCard, Amex, Discover)
- PayPal (international secure payment)
- Debit & Credit Cards (via Stripe/PayPal gateway)
- Invoice-based payments for custom service agreements (upon request)
All payments are processed securely and encrypted. We do not store card details on our servers.
2. Payment Requirements
- Payment must be completed before service begins, unless otherwise specified in a written agreement.
- Partial payment or deposit options may be offered depending on the service tier.
- For subscription-based services, billing occurs automatically on the renewal date unless canceled in advance.
3. Invoices & Transaction Records
Upon successful payment:
- Invoice is issued automatically and sent to the client’s email
- Transaction ID is generated for tracking & verification
- Records can be accessed anytime via Stripe/PayPal history
Invoices are valid for accounting & tax purposes in US, Canada & EU.
4. Taxes & Currency
- Pricing may vary based on region and applicable taxes (VAT/GST where required)
- All payments are processed in USD unless otherwise stated
- If currency conversion applies, the client is responsible for associated bank/conversion fees
5. Chargebacks & Disputes
In case of disagreement or service concerns, clients must contact us first to request a review before filing a chargeback.
Requests can be submitted to: support@lumioagency.com
If a chargeback is filed without prior notice:
- Access to active services may be paused
- Case will be handled via the official Stripe/PayPal dispute process
We always aim for resolution that is fair, professional & transparent.
6. Refunds & Cancellations
Refunds follow our official Refund & Return Policy.
Key points:
- If no work has started → 100% refund
- If partial work is delivered → refund adjusted to completed deliverables
- Completed work, strategic assets & digital handover items are non-refundable
Clients may cancel service by emailing:
???? support@lumioagency.com
7. Late or Failed Payments
If a payment fails or is declined:
- Client will be notified via email/SMS
- Work may be paused until payment is completed
- Invoices overdue 7+ days may incur delays in project timeline
8. Security & Compliance
All payments are handled through compliant systems:
- PCI-DSS Level 1 (Stripe + PayPal payment security)
- GDPR Compliant (for EU data protection)
- SSL/HTTPS encrypted checkout
We do not sell, trade, or share financial information with third parties.
9. Contact Information
For payment issues, invoices, billing changes, or documentation requests, contact us:
???? support@lumioagency.com
???? https://lumioagency.com
???? Monday – Friday | 9:00 AM – 6:00 PM (GMT-5)
