Terms of Service for Lumio

Effective Date::  11.02 2026

1. Acceptance of Terms

By accessing or using Lumio’s website and services, you agree to comply with these Terms of Service and all applicable laws.

If you do not agree, please discontinue use of the website.

2. Eligibility

You must be at least 18 years old to use our services. By using Lumio, you confirm that you meet this requirement.

3. User Responsibilities

You agree to:

• Provide accurate and truthful information
• Maintain confidentiality of account credentials
• Use the website lawfully
• Avoid uploading harmful, illegal, or misleading content

4. Intellectual Property

All content on the Lumio website — including text, graphics, logos, and branding — is owned by Lumio or licensed to us.

You may not copy, reproduce, or distribute any materials without written permission.

5. Payments and Earnings (If Applicable)

If Lumio provides earning opportunities or compensation programs:

• Earnings depend on individual participation and performance
• We do not guarantee specific income results
• Payment terms and schedules will be outlined separately

6. Limitation of Liability

Lumio shall not be liable for indirect, incidental, or consequential damages resulting from the use of our website or services.

Use of the website is at your own risk.

7. Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms.

8. Modifications

We may update these Terms at any time. Continued use of the website indicates acceptance of changes.

9. Contact Information

For questions regarding these Terms or our Privacy Policy, please contact: support@lumio.com