Terms of Service

1. Acceptance of Terms

By accessing or using Lumi5 Office's financial services platform, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. These terms constitute a legally binding agreement between you and Lumi5 Labs.

2. Description of Services

Lumi5 Office provides financial technology services including but not limited to:

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3. Eligibility and Account Registration

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You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.

4. Financial Information and Data Security

We take the security of your financial information seriously and employ industry-standard security measures. However, you acknowledge that no method of transmission over the internet is 100% secure, and you use our services at your own risk.

By connecting your financial accounts, you authorize us to access and retrieve your account information from third-party financial institutions. This information is used solely to provide our services and is handled in accordance with our Privacy Policy.

5. Investment Disclaimers

The information provided through our platform is for educational and informational purposes only and should not be construed as personalized investment advice. We are not registered investment advisors, and our services do not constitute investment advisory services.

You should consult with qualified financial professionals before making investment decisions. We make no representations or warranties about the accuracy, completeness, or timeliness of any information provided.

6. Fees and Payments

Our fee structure is clearly outlined on our pricing page. Fees may include subscription fees, transaction fees, or premium service charges. All fees are non-refundable unless otherwise specified.

We reserve the right to modify our fees with 30 days' notice. Continued use of our services after fee changes constitutes acceptance of the new fee structure.

7. Prohibited Uses

You agree not to use our services for:

• Any illegal or fraudulent activities
• Money laundering or financing of illegal activities
• Manipulating or attempting to manipulate financial markets
• Violating any applicable laws or regulations
• Interfering with or disrupting our services or servers
• Accessing another user's account without authorization

8. Third-Party Services

Our platform may integrate with third-party financial institutions, data providers, and service providers. We are not responsible for the availability, accuracy, or reliability of third-party services. Your use of third-party services is subject to their respective terms and conditions.

9. Limitation of Liability

To the maximum extent permitted by law, [Company Name] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment losses, arising from your use of our services.

10. Regulatory Compliance

We operate in compliance with applicable financial regulations and may be required to report certain activities to regulatory authorities. You agree to cooperate with any regulatory inquiries and to provide accurate information when requested.

11. Termination

Either party may terminate this agreement at any time. Upon termination, your access to our services will cease, but these terms will continue to apply to any outstanding obligations. We may retain certain information as required by law or for legitimate business purposes.

12. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or through our platform. Continued use of our services after changes constitutes acceptance of the modified terms.

13. Contact Information