Terms, Privacy & Return Policy

## Terms and Conditions ### 1. General Terms By using Lumo, you agree to comply with The Gambia's e-commerce and consumer protection regulations. You must be at least 18 years old to make purchases. ### 2. Pricing & Currency - All prices are displayed in Gambian Dalasi (GMD/D) - Prices include applicable taxes - We reserve the right to change prices without notice ### 3. Payment Methods - Mobile Money: Wave, Afrimoney, QMoney - Bank Transfer: Trust Bank, GT Bank, Access Bank - Cash on Delivery (selected areas only) - Card payments coming soon --- ## Privacy Policy ### Data We Collect - Name, phone number, email address - Delivery address - Order history and preferences - Device and location data (with your consent) ### How We Use Your Data - Process and deliver your orders - Send order updates via SMS/WhatsApp - Improve our services - Comply with The Gambia tax regulations ### Data Protection - Your data is stored securely and encrypted - We never sell your personal information - Third-party sharing only for delivery fulfillment - You can request data deletion anytime ### Cookies We use cookies to improve your shopping experience. You can manage cookie preferences in your browser. --- ## Return & Refund Policy ### Return Window - **7 days** for unused items in original packaging - **14 days** for defective or damaged products - Some items cannot be returned (see below) ### How to Return 1. Contact us via WhatsApp with your order number 2. Explain the reason for return 3. Wait for return authorization 4. Return item in original packaging ### Refund Process - Refunds processed within 7-10 business days after receiving returned item - Refund via original payment method or Mobile Money - Shipping costs non-refundable for non-defective returns ### Non-Returnable Items - Perishable goods (food, beverages) - Personal care items (opened) - Custom/personalized orders - Items marked as 'Final Sale' - Undergarments and swimwear ### Damaged or Wrong Items If you receive a damaged or incorrect item: 1. Take photos immediately 2. Contact us within 48 hours 3. We will arrange replacement or full refund 4. Return shipping paid by Lumo --- ## Consumer Rights As a consumer in The Gambia, you have the right to: - Accurate product information - Fair pricing and no hidden charges - Safe and quality products - Privacy and data protection - File complaints with relevant authorities (PURA for electronic transactions) --- Last updated: December 2025 Questions? Contact support@lumo-app.org