Payments & Platform Credits

Coins, Payments & Refund Policy

This policy explains how Lovento platform coins, purchases, payment confirmations, failed or duplicate transactions, coin deductions, promotional credits, refund requests and payment disputes are handled. Please review the price, coin quantity and applicable feature shown at checkout before confirming a purchase.

Read Coin Policy Payment Support

1. What Lovento Coins Are

Coins are digital platform credits

Lovento may make digital credits, referred to as coins, available for eligible paid platform features. Depending on the features available at the time, coins may be used for actions such as publishing, upgrading, promoting or otherwise accessing eligible Lovento functionality.

Coins exist for use inside the Lovento platform. They are not legal tender, cryptocurrency, a bank deposit, an investment, securities, or ownership in Lovento. Unless expressly stated otherwise or required by applicable law, coins cannot be exchanged, transferred or redeemed for cash.

2. Coin Packages & Pricing

Prices are shown before purchase

Available coin packages, quantities, prices, taxes or other applicable transaction information may be displayed in the relevant Lovento purchase interface. Packages and pricing may change over time, so the information presented for the transaction at the time you confirm it is the information you should review before paying.

A promotional offer may have separate conditions, such as a limited availability period, account eligibility or bonus coins. Promotional conditions apply only where they are actually displayed or communicated for that offer.

3. Payment Processing

How a coin purchase is processed

Select a package

Choose the available coin package or paid Lovento feature you want to purchase and review the displayed transaction details.

Complete payment

The transaction may be processed through an independent payment provider. Follow the secure payment flow and any authentication required by your payment method.

Coins are credited

After Lovento receives or verifies a successful payment status, the applicable coins or purchased platform benefit should be credited according to the transaction.

4. Successful Payment but Coins Not Credited

Do not make repeated payments immediately

If your payment provider shows a successful transaction but your Lovento coin balance has not updated, first allow a reasonable period for payment confirmation or technical synchronisation. Avoid repeatedly paying for the same intended purchase merely because the balance did not update immediately.

If the issue remains, email support@lovento.cloud with your Lovento account email or user ID, payment/order reference, amount, approximate date and time, and a screenshot where useful.

5. Failed or Pending Payments

Payment status may take time to settle

Pending payment

A payment may temporarily remain pending while confirmation is awaited from a payment provider or financial institution.
Coins should not be assumed to have been purchased until the transaction is successfully confirmed.
If money appears debited while the transaction remains pending, retain the payment reference and contact support if it does not resolve.

Failed payment

A failed transaction normally does not create a completed coin purchase.
Your bank or payment provider may separately take time to reverse or release a failed authorisation.
If Lovento records a payment differently from your payment provider, send the transaction reference to support for investigation.

6. Duplicate Payments

If the same purchase appears to have been charged twice

If you believe you were charged more than once for the same intended purchase, do not consume disputed duplicate credits while the issue is being reviewed. Contact support@lovento.cloud and provide both payment references, the amounts, date/time and your Lovento account identifier.

Lovento may compare platform transaction records with available payment confirmation information before deciding the appropriate correction or refund.

7. Using Coins

Coin deductions for platform features

When a Lovento feature requires coins, the required amount should be shown or otherwise made available before the relevant paid action is confirmed. Once a paid digital feature is successfully activated, published, promoted or otherwise consumed, the corresponding coins may be deducted from your balance.

Users should check the selected advertisement, feature and coin cost before confirming a paid action. A successful coin deduction does not guarantee enquiries, views, contacts, ranking, sales or any particular result from an advertisement.

8. Refund Eligibility

When a refund or correction may be considered

Examples that may justify review

A verified duplicate charge for the same intended purchase.
A successful payment for which coins were never credited and the issue cannot reasonably be corrected by crediting them.
A technical error attributable to Lovento that caused an incorrect paid deduction or transaction.
Another circumstance where a refund or remedy is required by applicable law.

Generally not a refund reason by itself

You changed your mind after coins or the purchased digital benefit were successfully supplied or consumed.
An advertisement did not receive the number of views, enquiries or contacts you expected.
An advertiser or visitor did not complete an independent transaction or communication.
A listing was restricted because it violated Lovento rules, subject to rights that cannot legally be excluded.
Unused coins remain in an active account but you simply prefer cash instead.

9. Used Coins & Consumed Digital Features

Completed digital use matters when reviewing refunds

Where coins have already been spent on a digital platform feature that was successfully delivered or activated, that use may affect refund eligibility. For example, a completed publishing or promotional action cannot necessarily be reversed simply because the user later changes their mind.

Nothing in this policy is intended to remove any mandatory consumer right or remedy that applies to a particular transaction under applicable law.

10. Promotional or Bonus Coins

Free credits may have separate conditions

Lovento may occasionally provide bonus, promotional, complimentary or manually adjusted coins. Unless expressly stated otherwise, promotional coins are not purchased funds, have no cash-redemption value and may be subject to conditions associated with the promotion.

If purchased and promotional coins exist in the same account, Lovento may apply reasonable system rules for how balances are used, displayed or adjusted, provided those rules do not override rights that apply by law.

11. Coin Expiry

No unstated expiry rule

A coin expiry period should apply only if Lovento expressly displays or communicates an expiry rule for the relevant balance, package or promotion. This policy does not create an undisclosed expiry date for purchased coins.

If Lovento introduces or changes an expiry system in the future, the applicable terms should be communicated through the relevant purchase, account or policy interface as appropriate.

12. Account Suspension or Closure

Coin balances and account enforcement

If an account is suspended or restricted because of suspected fraud, payment abuse, prohibited content, security concerns or serious/repeated platform violations, Lovento may temporarily restrict access to paid features while the issue is reviewed.

The treatment of any remaining purchased balance will depend on the circumstances, transaction history, whether credits were legitimately obtained or consumed, applicable platform rules and any rights required by law. Fraudulently obtained, reversed or chargeback-funded credits may be corrected or removed where appropriate.

13. Chargebacks & Payment Disputes

Contact support before escalating a correctable issue

If you do not recognise a transaction or believe a payment is incorrect, contact Lovento support promptly so the transaction can be identified and investigated. This does not prevent you from exercising rights available through your bank, payment provider or applicable law.

If a payment is reversed, charged back or otherwise cancelled after associated coins have been credited, Lovento may adjust the corresponding coin balance or paid benefit to reflect the reversed transaction. Deliberate chargeback abuse or payment fraud may result in account restrictions.

14. Security & Payment Fraud

Keep financial credentials private

Lovento support does not need your secret payment credentials

For transaction support, references and account identifiers are normally more useful than confidential banking credentials.

Never share OTPsDo not send login or payment verification codes.

Never share CVV/PINKeep card security codes and banking PINs private.

Keep referencesOrder/payment IDs help locate a transaction safely.

Use official supportEmail payment issues to support@lovento.cloud.

15. How to Request Payment Support or a Refund Review

Send enough information to locate the transaction

Email support@lovento.cloud and include:

Your Lovento account email or user ID.
Payment/order reference.
Transaction amount and approximate date/time.
The coin package or paid feature involved.
A concise explanation of what happened.
A screenshot where useful, with sensitive banking details hidden.

Support may request additional non-secret information reasonably necessary to verify the transaction. Submitting a request does not itself guarantee a refund; the transaction and applicable circumstances must first be reviewed.

Email Payment Support

16. Policy Changes

Future coin and payment features

Lovento may update this policy as coin packages, paid features, payment providers or platform functionality change. The current policy published on Lovento will apply subject to transaction-specific terms shown at purchase and any notice or rights required by applicable law.

17. Contact

Coins, payment and refund support

Lovento Support
Email: support@lovento.cloud
Website: Lovento.cloud

Please never send your password, OTP, PIN, CVV or full card number in a support request.