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At Lumaryon Universal, customer satisfaction is our priority. If you are not completely satisfied with your purchase, you may request a return within the eligible return period as outlined on our website. Items must be returned in their original condition, unused, and in original packaging to qualify for a refund.
Once your return is received and inspected, we will notify you of the approval or rejection of your refund. Approved refunds will be processed to the original method of payment within a reasonable timeframe. Shipping fees are non-refundable unless the return is due to a defective product or an error on our part.
Customers are responsible for return shipping costs unless otherwise stated. Please note that certain items may be non-returnable due to hygiene, safety, or clearance reasons, which will be clearly communicated at the time of purchase. We recommend contacting our support team before returning any item to ensure a smooth and efficient return process.
by Elżbieta Kubińska (Author), Magdalena Adamczyk-Kowalczuk (Author), Anna Macko (Author)
This book takes an in-depth look at the challenges faced by individuals making investment decisions in a rapidly changing financial world and presents a concise and thorough overview of the multifaceted approach to investment and savings behavior.
Elżbieta Kubińska is Associate Professor at the Institute of Finance at Kracow University of Economics, Poland. She holds a PhD in mathematics with a specialization in mathematical analysis. Her habilitation is in the field of behavioral finance, involving collaboration with economic psychologists. Her teaching and research interests focus on behavioral finance and financial risk modeling. She has participated in numerous research and development projects, advising mainly on models supporting decision-making.
Magdalena Adamczyk-Kowalczuk is Assistant Professor at the Institute of Finance, Kracow University of Economics, Poland. She holds an MSc in psychology from Jagiellonian University, Poland, and a second MSc in finance from Kracow University of Economics. Her PhD thesis was in behavioral finance, focusing on the impact of individual differences, information context and risk preferences on making economic and investment decisions. Her research interests focus on economic psychology, perception of information, decision-making, organizational psychology, and mental health.
Anna Macko is Assistant Professor in the Department of Economic Psychology and Researcher at the Centre for Economic Psychology and Decision Sciences at Kozminski University. She hold PhD in psychology, and her research interests include risk, entrepreneurship, ethical decision making and factors influencing decisions to trust.
At Lumaryon Universal, we are committed to providing a smooth and reliable shipping experience for every customer. All orders are carefully processed within 1–3 business days, excluding weekends and and public holidays.
Once dispatched, orders are shipped using trusted carriers, with an estimated delivery timeframe of 6–12 business days, depending on your location and carrier conditions. Customers will receive a shipping confirmation email with tracking information as soon as their order is shipped, allowing them to monitor delivery progress.
While we strive to meet estimated delivery times, occasional delays may occur due to factors beyond our control, such as weather conditions or carrier disruptions. Our team remains available to assist with any shipping or delivery inquiries to ensure a secure and hassle-free shopping experience.
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