Effective Date: 19 November 2025
Last Updated: 19 November 2025
This Return and Payment Policy explains the terms and conditions under which Loviero Design Ltd (“the Company”, “we”, “our”, “us”) accepts payments, processes transactions, and manages returns or cancellations for digital products, software, subscriptions and design services available through lovieroltd.com and any other authorised channels.
Loviero Design Ltd operates as a British company engaged in software development, interactive digital entertainment, information technology services and specialised design. Our goal is to ensure transparency, fairness and full compliance with consumer protection laws while maintaining efficiency in digital delivery and professional services.

PAYMENT TERMS AND METHODS

All payments for products and services must be completed prior to delivery or activation unless otherwise stated in a written agreement.
Loviero Design Ltd accepts a variety of secure payment methods including, but not limited to:
credit and debit cards (Visa, MasterCard, American Express), bank transfers, PayPal, and other payment gateways integrated through Stripe or equivalent providers.
All transactions are processed in Pound Sterling (GBP) unless otherwise indicated. Currency conversion charges or international transaction fees applied by your bank or payment provider are the sole responsibility of the customer.
Invoices are generated electronically and delivered via email upon confirmation of purchase. By completing a payment, you acknowledge and accept these terms and authorise Loviero Design Ltd or its payment partners to charge the total order amount to your selected method.
For long-term projects, subscription services or bespoke design commissions, partial or milestone-based payments may apply in accordance with the project agreement. Late payments beyond thirty (30) days from the invoice date may incur interest or service suspension as allowed under the Late Payment of Commercial Debts (Interest) Act 1998.

 

DIGITAL PRODUCTS AND SERVICE DELIVERY

Loviero Design Ltd primarily offers digital goods and downloadable software, which are considered delivered once access credentials, activation codes or download links are provided to the customer.
Delivery timelines for software licences, creative assets or project files are specified during the ordering process or in the client’s contract. In the case of custom-designed products, delivery may depend on development or design completion milestones mutually agreed upon in writing.
Once access to digital content has been granted, it is deemed that the service has commenced in full, and your right to cancel under the Consumer Contracts Regulations 2013 is affected as described below.

RETURN AND CANCELLATION POLICY FOR DIGITAL PRODUCTS

Because most of our products and services are digital and intangible, returns are not available once digital access has been initiated, downloaded or otherwise made available.
However, the following exceptions apply:
if you purchased the wrong product by mistake and have not yet downloaded or accessed it
if you experience technical delivery issues preventing proper access and our support team cannot resolve them
if a product is proven to be defective, corrupted or materially different from its description
Refund requests must be submitted in writing to lovieroltd.com within fourteen (14) days of purchase. Each request is reviewed individually, and if approved, refunds will be processed through the original payment method within ten (10) business days.
Where a project or subscription is governed by a separate written contract, cancellation terms shall be defined in that contract.

RETURN AND REFUND POLICY FOR SERVICES

For professional services, such as design, consulting or software development, the right to cancel may be limited once project work has commenced. Clients may withdraw before delivery of the first draft, prototype or milestone by submitting a written cancellation request.
Any refund for partially completed work is calculated based on the proportion of services already rendered, including time spent, resources allocated, and preparatory materials produced.
Loviero Design Ltd reserves the right to deduct fair administrative or setup costs from any approved refund.
Refunds are not available for:
completed and delivered digital assets or design projects
subscription fees after the service period has begun
situations where delay or non-performance results from client-side failure to provide required information or approvals

RIGHT TO CANCEL UNDER CONSUMER LAW

 
Under the Consumer Contracts Regulations 2013, UK customers purchasing digital goods online generally have a right to cancel within 14 days from the date of purchase.
However, this right does not apply once the download or access process has started, provided that you were informed of this prior to purchase — as is stated during checkout on lovieroltd.com.
By clicking “Buy Now”, “Proceed to Payment” or any equivalent button, you expressly consent to the immediate supply of the digital content and acknowledge that you lose your right to withdraw once the download or activation begins.

CORPORATE AND B2B TRANSACTIONS

For business clients and corporate partners, transactions are governed by contract law and the agreed terms of service or project agreement.
Refunds, credits or adjustments for B2B purchases are handled on a case-by-case basis and are subject to mutual written consent.
Invoices and payment records for corporate clients are maintained for a minimum of seven (7) years in compliance with UK accounting and tax regulations.

DISPUTES AND CHARGEBACKS

If you believe a payment has been processed in error, please contact lovieroltd.com before initiating a chargeback with your payment provider.
We will investigate the matter promptly and aim to resolve disputes amicably within ten (10) working days.
Unauthorised or fraudulent chargebacks may result in immediate account suspension and potential legal recovery of outstanding sums, including administrative costs.

TAXES AND VAT 

All prices displayed on lovieroltd.com are exclusive of applicable taxes unless otherwise stated.
Customers within the United Kingdom will be charged VAT at the prevailing rate. International buyers are responsible for declaring and paying any import duties, taxes or additional surcharges applicable in their jurisdiction.
Loviero Design Ltd issues VAT-compliant invoices to all clients upon payment confirmation.

REFUND PROCESSING TIME

Where refunds are approved, the amount will be credited to the original payment method used during the transaction. Processing times may vary depending on the payment provider but typically range between 5–10 business days.
We do not issue refunds in cash, cryptocurrency, or alternative payment channels not used in the initial transaction.

FRAUD PREVENTION AND COMPLIANCE

Loviero Design Ltd employs fraud prevention systems, transaction verification procedures and account monitoring mechanisms to identify and block suspicious activity.
Transactions may be temporarily delayed or declined pending verification. Any confirmed fraudulent actions will be reported to UK authorities and relevant financial institutions.
The Company complies with all obligations under the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017.

POLICY AMENDMENTS

Loviero Design Ltd reserves the right to amend this Return and Payment Policy at any time to reflect legal updates, operational changes or new service structures.
Updated versions will be published on lovieroltd.com with an amended “Last Updated” date. Continued use of our website or services after an update signifies acceptance of the revised terms.

CONTACT INFORMATION

For billing, payment or refund inquiries, please contact:
Loviero Design Ltd
Office 1210, 3 Fitzroy Place 1/1, Glasgow, G3 7RH, Scotland, United Kingdom
lovieroltd.com