Payment Policy
Payment Policy
This Payment Policy describes the terms regarding payment methods, payment security, and billing processes when you purchase products through https://www.lagomel.com (the "Site"), operated by Hong Kong Light Shadow Limited ("we", "us", or "our").
01. Accepted Payment Methods
We accept the following major payment methods to ensure a convenient and secure shopping experience for you.
- Shopify Payments: We accept all major credit and debit cards through Shopify Payments, including but not limited to Visa, Mastercard, American Express, and Discover.
- PayPal: You can make payments using your PayPal account.
Please note that we may adjust or add accepted payment methods from time to time based on market conditions and technological advancements, without prior notice.
02. Payment Processing & Security
Your payment security is of utmost importance to us. Transactions are protected using industry-standard encryption technologies during transmission, and we do not store full credit card information on our servers.
Payment processing is handled in accordance with applicable industry security standards provided by our payment processors.
- SSL Encryption: Transactions on this Site are encrypted using Secure Sockets Layer (SSL) technology to help protect your personal and payment data during transmission.
- PCI DSS Compliance: Our payment processing system follows the Payment Card Industry Data Security Standard (PCI DSS) through our payment processors.
- No Storage of Full Credit Card Information: For your security, we never store your full credit card number. Sensitive payment information is securely handled by third-party payment processors, including Shopify Payments and PayPal.
03. Billing Information
The following information explains how billing is handled during checkout and after payment is completed. This helps ensure transparency regarding pricing, taxes, and order confirmation.
- Currency: All product prices and transactions displayed on this Site are denominated in United States Dollars (USD).
- Taxes: Applicable taxes, such as sales tax or VAT, are calculated and displayed at checkout in accordance with local regulations.
- Order Confirmation: After successful payment, you will receive an email confirmation containing your order details and shipping information.
- Billing Address: Please ensure your billing address matches your payment method to avoid payment issues or delays.
04. Payment Failures
In some cases, payments may fail due to bank restrictions, incorrect information, or payment provider verification issues. The following guidance explains what to do in such situations.
- If your payment is declined, please verify your payment details or try an alternative payment method.
- If the issue persists, we recommend contacting your bank or payment provider for further assistance.
05. Refunds
For information regarding refunds, please refer to our Refund & Return Policy.
Approved refunds are generally processed within 7–10 business days and returned to the original payment method.
06. Chargebacks & Disputes
If you experience any issues with your order, we encourage you to contact us before initiating a chargeback or payment dispute so we can assist in resolving the matter.