Credit Card Policy

INTRODUCTION

KIMLUD.COM is committed to providing a secure and enjoyable shopping experience for all customers. As part of this commitment, we have implemented a comprehensive Credit Card Fraud Prevention Policy to protect our customers and ourselves from fraudulent activity.

PROTECTING OUR CUSTOMERS

KIMLUD.COM utilizes various measures to safeguard our customers' information and prevent unauthorized credit card use. These measures include:

Address Verification: We verify billing addresses against standardized databases.
CVV Check: We require the 3-digit security code on the back of the card.
Order Velocity Limits: We monitor orders for unusual patterns, such as multiple orders in a short timeframe or from the same IP address.
Risk Scoring: We assign risk scores to orders based on various factors and flag high-risk orders for manual review.

SUSPECTED FRAUDULENT ACTIVITY

If an order is flagged as potentially fraudulent, we will take the following steps:

Customer Contact: We will attempt to contact the customer by email or phone using the information provided on the order. The email or phone call will explain our concerns and outline the steps needed to verify the order's legitimacy.
Order Hold: We may place the order on hold for a reasonable period (e.g., 24-48 hours) to allow the customer time to respond and provide necessary verification.

VERIFICATION AND RESOLUTION

To resolve a suspected fraudulent order, the customer may need to provide additional information or documentation, such as:

Proof of card ownership: This could include a valid photo ID and a copy of the credit card statement showing the billing address.
Confirmation: We may request confirmation from the card issuing bank to verify the card's legitimacy.

RESOLUTION OPTIONS

Order Fulfillment: Upon successful verification, we will proceed with processing and fulfilling the order.
Order Cancellation: If the customer cannot provide sufficient verification within the hold period or the order is confirmed fraudulent, we will cancel the order and issue a full refund to the original payment method.

CUSTOMER COMMUNICATION

KIMLUD.COM is committed to transparent communication with our customers. We will keep you informed throughout the verification process and explain the reason for any delays or order cancellations.

SECURITY AND PRIVACY

KIMLUD.COM takes the security and privacy of our customers' information seriously. We adhere to strict data security standards and only use customer information for legitimate business purposes. For more information on our data security practices, please refer to our Privacy Policy.