Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the website, products, and services provided by Lumina AI ("we", "us", "our"). By creating an account, accessing our platform, or otherwise using our services, you confirm that you accept these Terms and agree to comply with them. If you do not agree with any part of these Terms, you must not use our services.

2. Eligibility

Our services are intended for use by individuals who are legally able to enter into binding agreements under applicable law. By using Lumina AI, you represent that you meet this requirement and that all information you provide to us during registration or use of the service is accurate and current.

3. Description of Service

Lumina AI provides an AI-driven data analysis platform intended to support decision-making related to income diversification and risk management. Our outputs, insights, and recommendations are generated using automated processes and are provided for informational purposes only. They do not constitute financial, investment, legal, or tax advice, and should not be relied upon as the sole basis for any decision.

4. Account Registration and Security

To access certain features, you may be required to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account or any other breach of security.

5. Free Trials and Subscriptions

We may offer free trial periods or subscription-based access to our services. Details regarding trial duration, billing cycles, pricing, and cancellation terms will be presented at the point of signup or purchase. Continued use of paid features after a trial period ends may result in charges in accordance with the plan selected, unless cancelled beforehand.

6. Acceptable Use

You agree not to misuse our services. This includes, without limitation, refraining from:

• Attempting to gain unauthorized access to our systems, data, or accounts belonging to other users.
• Using the service for any unlawful, fraudulent, or harmful purpose.
• Reverse engineering, decompiling, or otherwise attempting to extract the underlying source code or models.
• Reselling, sublicensing, or redistributing access to the service without our prior written consent.
• Uploading content that infringes the intellectual property or privacy rights of others.

7. No Financial Advice

Nothing provided through Lumina AI should be construed as personalized financial, investment, legal, or tax advice. Any decisions made based on information or analysis obtained from our platform are made at your own discretion and risk. We strongly recommend consulting a qualified professional advisor before making financial decisions.

8. Intellectual Property

All content, software, designs, trademarks, and materials associated with Lumina AI are the property of Lumina AI or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right or license to use our intellectual property except as necessary to use the service as intended.

9. Data and Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and safeguard information. By using Lumina AI, you consent to the practices described in that policy.

10. Service Availability

We aim to keep our platform accessible and reliable, but we do not guarantee uninterrupted or error-free operation. We reserve the right to modify, suspend, or discontinue any part of the service at any time, with or without notice, for maintenance, updates, or other operational reasons.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Lumina AI and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from your use of, or inability to use, our services. Our total liability for any claim arising under these Terms shall not exceed the amount paid by you, if any, for access to the service during the twelve months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Lumina AI, its officers, employees, and partners from any claims, damages, losses, or expenses arising out of your use of the service, your violation of these Terms, or your infringement of any third-party rights.

13. Termination

We reserve the right to suspend or terminate your access to Lumina AI at our discretion, including for breach of these Terms, without prior notice. You may also terminate your account at any time by discontinuing use of the service and, where applicable, cancelling any active subscription.

14. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. Material changes will be indicated by updating the "last updated" reference on this page. Continued use of the service after such changes constitutes acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Lumina AI operates, without regard to conflict of law principles. This section should be reviewed and finalized to reflect the specific jurisdiction applicable to Lumina AI.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable.

17. Contact

If you have questions about these Terms, please reach out via the contact details provided on our Contact page.