Our Terms of Service

Lumina Finances ("we", "us", "our") operates this website and provides digital banking services. These Terms of Service govern your use of our website and services. By accessing or using our platform, you agree to be bound by these terms.

1. Acceptance of Terms

By creating an account, using our mobile app, or accessing any of our banking services, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms applicable to specific products (e.g., loans, credit cards).

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement. By using our services, you represent that you meet these requirements and that all information you provide is accurate and complete.

3. Account Registration & Security

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or suspected breach.

4. Privacy & Data Protection

We are committed to protecting your personal information. This section explains how we collect, use, and safeguard your data:

• Information we collect: Full name, contact details, date of birth, financial information (e.g., income, account details), transaction history, device information (IP address, browser type), and, when required, identification documents for KYC/AML compliance.
• How we use it: To provide banking services, process transactions, verify your identity, prevent fraud, comply with legal obligations, improve our products, and communicate with you about your account.
• Sharing your data: We do not sell your personal information. We may share it with trusted third‑party service providers (e.g., payment processors, credit reference agencies) only as necessary to deliver our services or as required by law.
• Data retention: We retain your data for as long as your account is active or as needed to comply with regulatory requirements (typically 5‑7 years after account closure).
• Your rights: You may request access to, correction of, or deletion of your personal data, subject to legal limitations. Contact our Data Protection Officer at privacy{{ strtolower(str_replace(' ', '', $settings->site_name)) }}.com.

5. Acceptable Use

You agree not to misuse our services. Prohibited activities include: violating any laws, infringing on intellectual property, distributing malware, engaging in fraudulent transactions, attempting to bypass security measures, or using our platform for any illegal purpose.

6. Fees & Charges

Certain services may be subject to fees (e.g., wire transfers, overdrafts, late payment penalties). All applicable fees are clearly disclosed in your account dashboard and product agreements. We reserve the right to change fees with reasonable notice.

7. Limitation of Liability

To the maximum extent permitted by law, Lumina Finances shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services, including loss of profits or data, even if we have been advised of the possibility of such damages. Our total liability shall not exceed the amount of fees paid by you in the previous 12 months.

8. Termination

We may suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activity. You may close your account at any time by contacting customer support, subject to settling any outstanding obligations.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where Lumina Finances is registered, without regard to conflict of law principles.

10. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified via email or a prominent notice on our website. Your continued use of our services after such changes constitutes acceptance of the updated Terms.

11. Contact Us

If you have any questions about these Terms or your account, please contact us at:

Email: legal{{ strtolower(str_replace(' ', '', $settings->site_name)) }}.com
Support: Contact Page