Refund Policy

1. Digital Purchase Model

Lumoarcade sells digital value, including CT, for use within supported games and online services. Once a payment is successfully completed and the purchased CT has been credited to the relevant player account, the digital product is considered delivered.

Because CT is delivered electronically and may be used immediately, refund eligibility may be limited after delivery or use, except where required by applicable law or where the transaction qualifies under this policy.

2. When a Refund May Be Considered

We may review refund requests involving situations such as:

• a duplicate payment for the same intended purchase;
• a payment that completed successfully but the purchased CT was not credited;
• an incorrect charge caused by a technical or checkout error;
• a transaction that you believe was unauthorized and that is reported promptly;
• a refund that must be provided under applicable consumer law or payment-network rules.

3. Situations That Are Usually Not Refundable

Unless required by law, refunds are generally not available when:

• the CT was successfully delivered and has already been spent, exchanged, transferred, or otherwise used;
• the request is based only on a change of mind after a completed digital purchase;
• the purchase was made using accurate information and the digital item was delivered as described;
• the request relates to account restrictions, suspension, or misuse that violates our Terms of Service;
• the customer cannot provide enough information to identify or verify the transaction.

4. How to Request a Refund

Contact Lumoarcade and provide enough information for us to identify the purchase. Helpful details include:

• the email address or username associated with the Lumoarcade account;
• the purchase date and amount;
• the CT package purchased;
• the payment or transaction reference shown on the receipt, if available;
• a short explanation of what went wrong;
• supporting screenshots or payment documentation when relevant.

5. Review and Verification

We may check account records, CT delivery records, game activity, payment status, and information supplied by payment processors in order to verify a refund request. We may also ask for additional information before reaching a decision.

If a transaction cannot be verified, we may be unable to approve the request.

6. Approved Refunds

Approved refunds are normally returned to the original payment method used for the purchase. We generally do not issue cash, checks, or refunds to a different card or account.

Once a refund is initiated, the time required for the funds to appear depends on the payment processor, card network, bank, and payment method.

7. Stripe and Payment Processing

Payments may be processed by third-party payment providers, including Stripe. Refund processing may therefore also be subject to Stripe's processing timelines, transaction records, fraud controls, and payment-method requirements.

Lumoarcade may receive payment-status information and transaction references from Stripe or another processor, but we do not need to store your complete payment card number or card security code in order to process a refund request.

8. Unauthorized Transactions

If you believe a purchase was made without your authorization, contact us as soon as possible. We may ask you to verify account ownership and may review account access and transaction history.

If you also contact your bank or card issuer, please avoid submitting duplicate refund requests for the same transaction while a formal chargeback or payment dispute is already in progress.

9. Chargebacks and Payment Disputes

We encourage customers to contact Lumoarcade before opening a chargeback so that we have an opportunity to investigate delivery or billing issues directly.

If a dispute is opened, we may provide relevant transaction, account, delivery, and support records to the payment processor or financial institution handling the dispute.

10. CT Adjustments After Refunds

If a CT purchase is refunded, reversed, or charged back, Lumoarcade may remove the corresponding CT from the account or make other reasonable balance adjustments to prevent duplicate value from remaining available.

If the account does not have enough CT to cover an adjustment, the account may temporarily show a reduced or negative balance until the issue is resolved.

11. Policy Updates

We may revise this Refund Policy as our services, payment methods, digital products, or legal requirements change. The current version will be posted on this page with an updated effective date.

12. Contact Lumoarcade

For refund questions, billing issues, or help identifying a CT transaction, contact Lumoarcade LLC using the information below.