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You must be 18 years or older and live in Singapore to place an order. RETURNS/WITHDRAWAL: You always have 30 days to decide if the item is right for you. H&M guarantees to refund any items, provided that they have been kept in reasonable condition prior to their return. We may apply a return fee which will be deducted from your refund. All our packages contain a return address label to use when you send items back. PAYMENT: We accept cards with Visa symbol and Master cards with Adyen. Find out more on our customer service pages.