Payment Policy

Effective Date: October 15, 2025

Company Name: Lovinolive Inc (Doing Business As: FIMULL)
Registration Number: 2024-001569952
Address: 2501 Chatham Rd #4088, Springfield, Illinois 62704, United States
EIN Number: 33-2378133
Phone: +1 213-548-1213
Email: support@fimull.com
Business Hours: Monday – Friday, 09:00 AM – 06:00 PM (GMT-05:00) Eastern Standard Time (New York)

1. Introduction

At FIMULL, we strive to provide a secure, seamless, and transparent payment experience for all our customers, whether you are in the USA, Germany, or anywhere else we ship to.

This Payment Policy explains:

Accepted payment methods
Currency and billing information
Payment authorization and security
Refunds, pre-orders, and chargebacks
Taxes, duties, and international payment considerations

By completing a purchase on https://fimull.com/, you agree to the terms outlined in this policy.

2. Accepted Payment Methods

We offer a wide range of secure payment options for your convenience. Customers can pay using:

Credit & Debit Cards: Visa, MasterCard, American Express, Maestro, Discover, Diners Club, Union Pay, Cartes Bancaires, JCB, Visa Electron
Digital Wallets: PayPal

Payment will not be processed until authorization is complete. Orders cannot be fulfilled without a successful payment.

3. Payment Icons on Our Website

For clarity, our payment icons displayed at checkout include:
Visa, Master Card, American Express, Maestro, Discover, Diners Club, Union Pay, PayPal, Cartes Bancaires, JCB, Visa Electron

These icons reflect all the payment methods customers can use.

4. Currency

All payments on https://fimull.com/ are processed in EUROS(€).
For customers in Germany, your bank/payment provider will convert USD to EUR at the current exchange rate.
Please note your bank may apply foreign transaction or conversion fees.

Tip: Use a card or wallet that minimizes international transaction fees.

5. Payment Authorization & Security

Payments are processed via encrypted, PCI-compliant payment gateways.
We do not store full credit card details on our servers.
Transactions are monitored to detect unauthorized or fraudulent activity.
Some transactions may require additional verification, such as billing address confirmation or OTP (one-time password).

All pages handling payment or personal information use SSL encryption for maximum security.

6. When Payment is Collected

Payment is authorized immediately at checkout.
Orders in stock are processed after payment authorization.
Pre-orders or backorders may be partially authorized at checkout, with the remaining balance collected upon shipment.

7. Failed Payment

If payment fails:

You will be notified immediately via email and on-screen message.
The order will not be processed until the payment issue is resolved.
Common causes: insufficient funds, incorrect card info, expired card, or bank restrictions.
Contact your bank/payment provider or support@fimull.com for assistance.

8. Refunds & Payment Reversals

Refunds are handled according to our Return & Refund Policy:

Refunds are issued to the original payment method.
Processing time: 7 business days business days (Mon - Fri), may extend to 10 business days depending on your bank.
Refunds include product cost and taxes, excluding shipping unless the product was defective or sent incorrectly.
Unauthorized chargebacks may require investigation. We encourage contacting support@fimull.com first.

9. Taxes & Duties

All prices are in Euros, excluding VAT, customs, or import duties for Germany/EU orders.
Customers are responsible for any local taxes or customs fees.
FIMULL is not liable for shipping delays or additional charges imposed by local authorities.

10. International Orders

Orders shipped from the USA to Germany are processed in EUROS.
Your bank/payment provider converts the charge to EUR.
Customers are responsible for bank conversion fees or international transaction fees.

Tip: Check your card provider’s exchange rates before checkout.

11. Pre-Orders & Partial Payments

Pre-orders/backorders may allow partial payment at checkout.
Remaining balance collected when the item ships.
Customers are notified via email of all charges.

12. Payment Disputes

For issues like duplicate charges or unauthorized transactions:

Contact support@fimull.com immediately.
Provide order number, transaction ID, and a brief description of the issue.
We will investigate and work with your payment provider to resolve it promptly.
Avoid initiating chargebacks before contacting us — most disputes are resolved quickly.

13. Billing Information

Always provide accurate billing details matching your payment method.
Mismatched billing info may delay authorization or trigger order cancellation.
Include a valid email and phone number for updates.

14. Security & Fraud Prevention

All payments are PCI DSS-compliant and processed via secure gateways.
Suspicious orders may be reviewed manually for fraud prevention.
FIMULL reserves the right to delay or cancel orders in case of suspected fraud.
15. Contact Information

For all payment-related questions, issues, or disputes:

Response time: 24–48 business hours

16. Policy Updates

This policy may be updated to reflect new payment methods, regulations, or operational changes.
Updates are published on https://fimull.com/, with a revised “Effective Date”.
Customers should review the policy prior to purchase.