Terms of Use

By accessing lumospay.com you agree to these terms. If you do not accept them, please do not use the site.

1. Editorial content only

All content is published for general information and education. It is not personalised financial, investment, tax, accounting or legal advice, and it does not take account of your objectives, financial situation or needs. You are responsible for your own decisions and should seek qualified advice where appropriate.

2. No guarantee of accuracy

We take care to be accurate and to update material information, but financial products, rates, tax rules and regulations change frequently. Content is provided "as is" without warranty of accuracy, completeness or fitness for a particular purpose. Always verify current terms with the provider before acting.

3. Risk warning

Investments can fall as well as rise and you may get back less than you invested. Past performance is not a reliable indicator of future results. Digital assets are highly volatile, largely unregulated in many jurisdictions, and may not be covered by investor compensation or deposit protection schemes.

4. Intellectual property

All text, imagery, branding and layout on this site are owned by LumosPay or licensed to us. You may quote short extracts with clear attribution and a link. You may not republish substantial portions, scrape the site at scale, or use our content to train machine-learning models without written permission.

5. Acceptable use

• Do not attempt to disrupt, overload or gain unauthorised access to the site.
• Do not use automated systems to harvest content beyond ordinary indexing.
• Do not misrepresent LumosPay or imply endorsement we have not given.

6. Third-party links and advertising

The site contains links to third-party websites and displays advertising served by third parties. We do not control and are not responsible for their content, products or practices. Appearance of an advertisement is not an endorsement.

7. Availability

We aim to keep the site available but do not guarantee uninterrupted access. We may change, suspend or discontinue any part of the site at any time.

8. Limitation of liability

To the fullest extent permitted by law, LumosPay is not liable for any indirect, incidental or consequential loss, or for any loss of profit, arising from your use of or reliance on this site. Nothing in these terms limits liability that cannot be limited by law.

9. Changes to these terms

We may update these terms. Continued use of the site after an update constitutes acceptance of the revised terms.

10. Contact

Questions about these terms can be sent to editorial@lumospay.com.