Payment Policy

Welcome to LOVG (operated by MCNAMARA'S PTY LTD., ACN: 698 150 257). This Billing Terms and Conditions document governs all financial transactions executed on our website (www.lovg.shop). We are fully committed to providing a secure, transparent, and seamless shopping experience for our customers in Singapore and worldwide.

1. Accepted Currencies

All product prices, shipping fees (where applicable), and tax calculations listed on our store are denominated and processed strictly in United States Dollars (USD).

Notice for Singapore and International Customers: If your local currency or credit/debit card is not denominated in USD, the final transaction amount will be converted by your card-issuing bank or financial institution at their prevailing exchange rate. Any foreign currency conversion or international transaction fees charged by your institution are the sole responsibility of the customer.

2. Accepted Payment Methods

To guarantee peak security and adherence to global digital commerce standards, we accept the following payment options through fully encrypted payment gateways:

  • Credit & Debit Cards: Visa, Mastercard, American Express, and Discover.
  • Digital Wallets: Apple Pay, Google Pay, and Shop Pay (subject to availability at checkout).

We do not accept cash on delivery (COD), bank wire transfers, personal checks, or mail-in money orders. All payments must be completed in full at the time of checkout before order processing commences.

3. SSL Encryption and PCI-DSS Compliance

Your financial security is our highest priority. Our checkout system is fully integrated with Shopify's payment ecosystem, which adheres strictly to Level 1 PCI-DSS (Payment Card Industry Data Security Standard) compliance.

Security Protocols Implemented:

  • All sensitive credit card information transmitted between your browser and our server is encrypted using 256-bit Secure Sockets Layer (SSL) technology.
  • LOVG does not store, retain, or have access to your full credit card numbers or CVV/CVC safety codes. All transactions are routed directly to authorized banking networks.

4. Billing Agreement & Order Verification

By placing an order on www.lovg.shop, you authorize MCNAMARA'S PTY LTD. to charge your designated payment method for the total amount displayed in your shopping cart, including any applicable item prices, promotional adjustments, and handling costs.

To combat online fraud and protect our consumers, all orders undergo an automated fraud screening assessment. We reserve the absolute right to delay processing or cancel any transaction that exhibits high risk, mismatched billing-to-shipping identifiers, or unauthorized card usage. If your payment is flagged, our support desk may contact you from care@lovg.shop to verify your identity before fulfillment.

5. Sales Taxes & Customs Duties

Prices displayed on our website are exclusive of local taxes and import duties. For customers importing goods into Singapore, please note that shipments may be subject to prevailing Goods and Services Tax (GST) or specific import duties levied by Singapore Customs upon arrival, depending on the aggregate value of the consignment. These additional local fees are collected by the customs clearance broker or courier service and must be settled by the recipient.

6. Contact and Corporate Billing Information

For questions regarding billing anomalies, authorized transactions, or payment disputes, please reach out to our corporate headquarters immediately:

Brand Name: LOVG
Legal Corporate Entity: MCNAMARA'S PTY LTD.
Australian Company Number (ACN): 698 150 257
Official Corporate Address: 17 Saunders Rd, Oakville, NSW, 2765, Australia
Customer Support Email: care@lovg.shop
Customer Support Phone: +61 (485) 988 593