• Users of the FixoMate Mobile & Web Application ("Application") owned and operated by Luminous Rays LLC., may be required to make payments for services or products offered through the Application
• Payment methods accepted through the Application may include, but are not limited to, credit/debit cards, digital wallets, bank transfers, and other electronic payment methods.

• By using the Application, Users authorize the Application to charge their chosen payment method for the services or products they request or purchase. Users agree to maintain accurate and up-to-date payment information on their account to ensure successful transactions.

• The Application may charge service fees, which may vary depending on the type of service or product and other factors
• Users will be informed of applicable service fees before confirming their request or purchase.

• Users will receive electronic invoices and transaction summaries for their payments made through the Application
• Users are responsible for reviewing invoices for accuracy and reporting any discrepancies to the Application's customer support.

All transactions and amounts displayed within the Application may be in the local currency or the currency agreed upon between the User and the service provider.

• Refunds may be available for certain transactions, subject to the terms and conditions of this Refund Policy. Eligibility for a refund may vary depending on the specific service or product, as well as the service provider's policies.

• Users who believe they are eligible for a refund must submit a refund request through the Application. Refund requests should include detailed information about the transaction, the reason for the refund, and any supporting documentation.

• The Application will review refund requests in a timely manner
• The processing time for refunds may vary depending on the complexity of the request, but the Application will make reasonable efforts to process refunds promptly.

• Refunds, when approved, will be processed using the original payment method, unless otherwise agreed upon
• The timing of the refund reaching the User's account may vary depending on the payment method and financial institution policies.

• Certain fees, such as service fees or processing fees, may be non-refundable even if a service or product is eligible for a refund Users will be informed of any non-refundable fees associated with their transaction.

In case of disputes regarding refunds, Users may contact the Application's customer support for assistance and resolution.

The Application reserves the right to modify or update this Refund Policy at any time. Users will be notified of any significant changes.

By using the FixoMate Mobile & Web Application, Users agree to abide by these Payment Terms and Refund Policy. Users are encouraged to review this policy regularly for any updates or changes. If Users do not agree with these terms, they should refrain from using the Application.