Terms_of_Service

Lumivo Terms of Service (Terms and Conditions)

Last Updated: February 17, 2026
Effective Date: February 17, 2026

These Terms of Service ("Terms") are a legally binding agreement between you and [[INSERT LEGAL ENTITY NAME]] ("Lumivo", "we", "us", or "our") governing your access to and use of the Lumivo app and related services (the "Service").

If you do not agree to these Terms, do not use the Service.

1. Acceptance of Terms

You accept these Terms by:

  • Creating or using an account
  • Accessing or using the Service
  • Proceeding through onboarding and continuing to use the app

Our Privacy Policy is incorporated by reference and forms part of these Terms.

2. Eligibility

You represent and warrant that:

  • You are at least 13 years old
  • If you are under the age of majority in your jurisdiction, your parent/legal guardian has reviewed and agreed to these Terms on your behalf
  • You have legal capacity to enter into these Terms
  • You will comply with applicable laws and regulations

The Service is not directed to children under 13.

3. Service Description and Availability

Lumivo is a personal productivity and self-development app that may include journaling, habit tracking, idea management, vision board tools, analytics, optional cloud sync, and subscription-gated features.

We may, at any time:

  • Modify, add, remove, or limit features
  • Restrict, suspend, or discontinue part of the Service
  • Perform maintenance that temporarily interrupts access

We do not guarantee uninterrupted, secure, or error-free operation.

4. Account Registration and Security

To use certain features, you may need an account. You agree to:

  • Provide accurate and current account information
  • Keep your credentials confidential
  • Promptly notify us of unauthorized use
  • Accept responsibility for activity under your account, except where prohibited by law

We may require verification or re-authentication for sensitive actions.

5. Privacy, Storage, and Data Handling

Your use of the Service is subject to our Privacy Policy. You understand that:

  • Lumivo uses a local-first model with optional cloud sync
  • Certain data may be processed by third-party processors (for example, Firebase, RevenueCat, app stores, ad/analytics providers, and feature integrations)
  • Security controls are implemented, but no system is completely secure

You are responsible for maintaining your own backups where important (for example, using export tools where available). We are not responsible for losses caused by your failure to maintain backups.

6. Subscriptions, Billing, and Trials

6.1 Paid Features

Certain features require an active paid entitlement or eligible trial.

6.2 Billing Channels

Purchases are processed through Apple App Store and/or Google Play (and related subscription infrastructure). Pricing, taxes, billing cycles, and payment terms are governed by the applicable store and your store account settings.

6.3 Trials and Eligibility

If offered, trial eligibility may be limited and subject to anti-abuse controls (including account/device-pattern checks).

6.4 Auto-Renewal and Cancellation

Subscriptions auto-renew unless canceled through your store account before renewal. Deleting the app does not cancel your subscription.

6.5 Refunds

Refunds are handled by the store/payment platform that processed your purchase, subject to its policies and applicable law.

6.6 Entitlement Changes

If entitlement expires, is revoked, or cannot be verified, paid features may be limited or disabled.

7. License Grant and Restrictions

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial use.

You may not:

  • Copy, modify, distribute, sell, lease, or sublicense the Service except as permitted by law
  • Reverse engineer or attempt to extract source code except where non-waivable law permits
  • Circumvent security controls, paywalls, or usage limits
  • Use the Service for unlawful, abusive, fraudulent, or infringing purposes
  • Interfere with Service integrity, performance, or availability

8. User Content

8.1 Ownership

You retain ownership of your content, subject to the license below.

8.2 License to Operate Service

You grant us a worldwide, non-exclusive, royalty-free, limited license to host, store, process, transmit, encrypt/decrypt, adapt, and display your content solely as needed to provide, secure, maintain, and improve the Service for you.

8.3 Responsibility for Content

You are solely responsible for your content and represent that:

  • You have rights needed to submit that content
  • Your content and use of the Service do not violate law, third-party rights, or these Terms

We may remove or restrict content when reasonably necessary to enforce these Terms, comply with law, or protect users/the Service.

9. Third-Party Services

The Service may interoperate with third-party services (for example, authentication providers, app stores, analytics/diagnostics, advertising, and media providers). Your use of third-party services is governed by their terms and policies, not ours.

We are not responsible for third-party services, content, terms, or outages.

10. Intellectual Property

Except for your content, all rights, title, and interest in and to the Service are owned by us and/or our licensors, including software, text, design, trademarks, and documentation.

You may not use our branding without prior written permission.

11. Prohibited Conduct

You agree not to:

  • Violate law or third-party rights
  • Upload malware or harmful code
  • Access accounts/data without authorization
  • Attempt to scrape, harvest, or re-identify personal information
  • Use automation to abuse the Service
  • Misrepresent your identity or affiliation

12. Suspension and Termination

We may suspend or terminate access immediately if:

  • You violate these Terms
  • We suspect fraud, abuse, or security risk
  • Required by law, platform rules, or regulator direction

You may stop using the Service at any time.

On termination, provisions that should survive remain in effect, including IP, disclaimers, liability limits, indemnity, and dispute-resolution terms.

13. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE"
  • WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT
  • WE DO NOT WARRANT THAT THE SERVICE WILL ALWAYS BE AVAILABLE, SECURE, OR ERROR-FREE

Lumivo is not a medical, mental health, legal, tax, or financial advisory service and is not intended for emergency or crisis response.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL.

OUR TOTAL AGGREGATE LIABILITY FOR CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

  • THE AMOUNT YOU PAID TO US (INCLUDING THROUGH APP STORE CHANNELS FOR LUMIVO ENTITLEMENTS) IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR
  • USD $100

Some jurisdictions do not allow certain limitations/exclusions. In those jurisdictions, this section applies only to the extent legally permitted.

15. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless us and our affiliates, officers, employees, agents, and licensors from claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to:

  • Your use or misuse of the Service
  • Your content
  • Your violation of these Terms or applicable law
  • Your infringement of third-party rights

16. Dispute Resolution; Arbitration; Class Action Waiver

Please read this section carefully. It affects legal rights.

16.1 Informal Resolution First

Before either party files a claim, both parties agree to attempt informal resolution for at least 30 days after written notice is sent to:

  • Email: [[INSERT LEGAL NOTICE EMAIL]]
  • Address: [[INSERT LEGAL NOTICE ADDRESS]]

16.2 Binding Arbitration

Except for claims eligible for small claims court and claims for injunctive/equitable relief related to intellectual property or unauthorized access, disputes arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration, to the extent permitted by law, administered by [[INSERT ARBITRATION FORUM (e.g., AAA or JAMS)]] under applicable rules.

Arbitration location: [[INSERT CITY/STATE/COUNTRY]], unless remote arbitration is required or agreed.

16.3 Class Action Waiver

To the maximum extent permitted by law, you and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, representative, consolidated, or private-attorney-general action.

16.4 Arbitration Opt-Out Right

You may opt out of arbitration and the class action waiver by sending written notice within 30 days of first accepting these Terms. Your notice must include your full name, account email (if any), country/state of residence, and a clear statement that you are opting out of Section 16. Send notice to:

  • Email: [[INSERT LEGAL NOTICE EMAIL]]
  • Address: [[INSERT LEGAL NOTICE ADDRESS]]

If you validly opt out, only this Section 16 will not apply; all other Terms remain in effect.

16.5 Jurisdictional Carve-Out

If arbitration or class-waiver provisions are prohibited or limited by law where you reside, those provisions apply only to the extent legally permitted, and the remainder of this Section remains enforceable.

17. Governing Law and Venue

These Terms are governed by the laws of [[INSERT GOVERNING LAW STATE/COUNTRY]], without regard to conflict-of-law rules, except where mandatory consumer-protection laws apply.

For disputes not subject to arbitration, exclusive venue is in the courts located in [[INSERT VENUE]], subject to mandatory local law.

18. Platform Terms (Apple/Google)

If you downloaded the app from Apple App Store or Google Play:

  • These Terms are between you and us, not Apple or Google.
  • Apple/Google have no obligation to provide maintenance or support for the Service.
  • If you downloaded the iOS version from Apple App Store, Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce relevant provisions.

19. Changes to Terms

We may update these Terms from time to time. Updated Terms will be posted with a revised "Last Updated" date, and material changes may be communicated through in-app notice or other reasonable methods. Your continued use after changes become effective constitutes acceptance of the updated Terms.

20. Electronic Communications

You agree to receive electronic communications related to the Service, including legal notices and updates, via in-app notices, website postings, or email where available.

21. Miscellaneous

  • Entire Agreement: These Terms and the Privacy Policy are the complete agreement regarding the Service.
  • Severability: If any provision is unenforceable, remaining provisions remain in effect.
  • No Waiver: Failure to enforce a provision is not a waiver.
  • Assignment: You may not assign these Terms without our consent. We may assign these Terms in connection with corporate transactions.
  • Claims Time Limit: To the extent permitted by law, any claim arising out of or relating to the Service or these Terms must be filed within one year after the claim arises, unless mandatory law requires a longer period.
  • Force Majeure: We are not liable for failures caused by events beyond our reasonable control.

22. Contact

For legal notices or Terms questions:

  • Legal entity: [[INSERT LEGAL ENTITY NAME]]
  • Email: [[INSERT LEGAL NOTICE EMAIL]]
  • Address: [[INSERT LEGAL NOTICE ADDRESS]]
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