Terms & Conditions
These terms are a practical launch draft for App Store submission. Have counsel review before relying on them for a scaled commercial launch.
1. Acceptance of Terms
By using LumaV, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, do not use the app or website.
2. What LumaV Does
LumaV is software for personal finance organization, FIRE planning, scenario modeling, watchlists, holdings, ledger tracking, support, referrals, and related educational calculations.
3. Not Financial Advice
LumaV is not a registered investment adviser, broker-dealer, tax adviser, legal adviser, or retirement adviser. Calculations, projections, readiness scores, market data, news, and scenario results are for informational and educational purposes only. You are responsible for your financial decisions.
4. Assumptions and Projections
FIRE projections, Monte Carlo-style scenarios, readiness scores, savings rates, retirement ages, and net worth forecasts depend on user-entered data and assumptions. Actual results may differ due to market performance, inflation, taxes, life events, interest rates, employment changes, spending behavior, and other risks.
5. User Responsibilities
- Provide accurate information when using the app.
- Protect your device, login credentials, and biometric access.
- Use shared scenario links responsibly.
- Comply with applicable laws and third-party terms.
- Consult qualified professionals before making major financial, tax, legal, or investment decisions.
6. Market Data and Third-Party Content
LumaV may display market prices, exchange rates, ticker details, and financial news from third-party providers. We do not guarantee that market data is real-time, complete, accurate, or available at all times.
7. Accounts, Referrals, and Support
If LumaV provides account registration, referral links, support tickets, bug reports, or feature request flows, you agree to provide accurate information and not misuse those features. Referral rewards, if any, may be changed, paused, or discontinued.
8. Scenario Sharing
Shared scenario links are intended to expose only the selected scenario’s inputs, assumptions, and results. Recipients may view shared scenarios and may copy them into their own account if supported. You are responsible for deciding what scenario information you share.
9. Acceptable Use
You may not reverse engineer, abuse, scrape, overload, interfere with, or use LumaV for illegal activity. You may not attempt to access another user’s data without permission.
10. Intellectual Property
LumaV, LumaVault AI, related branding, design, software, and content are owned by LumaVault AI or its licensors. These terms do not transfer ownership rights to you.
11. No Warranty
LumaV is provided “as is” and “as available.” We disclaim warranties to the fullest extent allowed by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
12. Limitation of Liability
To the fullest extent allowed by law, LumaVault AI is not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost data, financial losses, investment losses, or reliance on projections.
13. Changes
We may update these terms from time to time. Continued use of LumaV after changes means you accept the updated terms.
14. Contact
Questions about these terms can be sent to [email protected].