Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the Luminvestry website, applications, and associated analytical tools (collectively, the "Service"). By creating an account, submitting a lead form, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use of the Service immediately.

2. Description of Service

Luminvestry provides AI-assisted market analysis, data aggregation, and decision-support tools intended to help investors evaluate publicly available information. The Service is informational in nature and does not constitute financial, legal, tax, or investment advice. Any outputs, scores, or summaries generated by the Service should be treated as one input among many in your own independent decision-making process.

3. No Financial Advice

Nothing provided through the Service should be interpreted as a recommendation to buy, sell, or hold any security, asset, or financial instrument. Luminvestry is not a registered investment adviser, broker-dealer, or financial institution. You are solely responsible for any investment or trading decisions you make, and you should consult a qualified, licensed professional before acting on any information obtained through the Service.

4. Eligibility and Account Responsibilities

To use certain features of the Service, you may be required to provide accurate registration information. You agree to:

• Provide true, current, and complete information when requested;
• Maintain the confidentiality of any login credentials associated with your account;
• Notify us promptly of any unauthorized use of your account;
• Use the Service only for lawful purposes and in accordance with these Terms.

5. Acceptable Use

You agree not to:

• Reverse-engineer, decompile, or attempt to extract the underlying methodology or source code of the Service;
• Resell, sublicense, or redistribute any part of the Service without prior written consent;
• Use automated systems to scrape or extract data from the Service beyond normal usage;
• Upload or transmit any content that is unlawful, infringing, or harmful to the Service or its users.

6. Intellectual Property

All content, software, design elements, trademarks, and materials associated with the Service are owned by Luminvestry or its licensors and are protected by applicable intellectual property laws. Your use of the Service does not grant you any ownership rights in this content, beyond a limited, non-transferable license to use the Service for its intended purpose.

7. Subscription, Fees, and Billing

Where applicable, access to certain features of the Service may require payment of fees as described at the point of purchase. Fees are generally non-refundable except where required by applicable law or expressly stated otherwise. Luminvestry reserves the right to modify pricing or subscription structures with reasonable advance notice.

8. Data Accuracy and Disclaimers

While Luminvestry aims to provide well-sourced and carefully processed market data, we make no warranty — express or implied — as to the accuracy, completeness, timeliness, or reliability of any information presented through the Service. Market data can be delayed, incomplete, or subject to third-party reporting errors. The Service is provided on an "as is" and "as available" basis, without warranties of any kind.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Luminvestry, its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment value, arising from your use of or inability to use the Service, even if advised of the possibility of such damages.

10. Third-Party Links and Services

The Service may contain links to third-party websites, data providers, or tools that are not owned or controlled by Luminvestry. We are not responsible for the content, accuracy, or practices of any third-party sites, and inclusion of such links does not imply endorsement.

11. Termination

Luminvestry reserves the right to suspend or terminate your access to the Service, with or without notice, if we believe you have violated these Terms, engaged in fraudulent activity, or otherwise misused the Service. Upon termination, your right to use the Service will cease immediately.

12. Changes to These Terms

We may revise these Terms from time to time to reflect changes in our practices, legal requirements, or the Service itself. Updated Terms will be posted on this page with a revised "Last updated" date. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are intended to be governed by the laws applicable in the jurisdiction in which Luminvestry operates, without regard to conflict-of-law principles. This section is a general placeholder and should be reviewed and finalized to reflect your specific jurisdiction and legal requirements.

14. Contact

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