Terms and Conditions

Last Updated: Apr 8, 2026

Lumina Wallet, and/or its affiliates ("we," "our," or "us"), offers its software services through our website at luminawallet.org. We also have associated mobile apps and products (collectively, "Services" or "Lumina Wallet"). Before using our Services, it's important to carefully read our Terms of Service (the "Terms") and any other policies or notices related to our website or mobile apps.

1. Agreement to Terms

By using any of our Services, you confirm that (i) you have read and understand our Terms, (ii) you agree to follow these Terms, and (iii) you are legally allowed to accept these Terms. If you don't agree with these Terms or any changes we make to them, please don't use our Services.

Please note, WE DO NOT OFFER FINANCIAL OR INVESTMENT ADVICE. WE PROVIDE TECHNOLOGY SERVICES, WITHOUT MAKING ANY RECOMMENDATIONS ABOUT DIGITAL ASSET TRANSACTIONS OR OPERATIONS. Remember, any decision to perform transactions with digital assets should be decided by you.

2. Privacy Policy

To understand how we collect, use and disclose our users' information, please check our Privacy Notice. By using our Services, you accept and agree that we will manage your information (including any personal data you give us) following the terms in our Privacy Notice.

3. Updates to Terms or Service

We reserve the right to update or modify these Terms at any time at our sole discretion. If we do so, we'll let you know by either posting the revised Terms on our website, on our mobile application or through other methods of communication which we deem reasonable. Such revised Terms as posted will take effect immediately, unless otherwise indicated.

You should regularly check our website to inform yourself of any such changes and decide whether or not to accept the revised version of these Terms. If you continue to use Lumina Wallet following any update or modification of the Terms you shall be deemed to have accepted the revised Terms. If you do not agree to the Terms or any update or modification to the Terms, you must cease to access or use our Services. Our Services are evolving over time, we may change or discontinue all or any part of the Services, at any time and without prior notice, and at our sole discretion.

4. Eligibility

To be eligible to use Lumina Wallet:

  • You must be at least eighteen (18) years old and legally competent to enter into these Terms.
  • If you are using our Services on behalf of a legal entity, you further represent and warrant that the legal entity is duly organized and validly existing under the applicable laws of the jurisdiction of its organization; and you are duly authorized by such legal entity to act on its behalf.
  • You must not be located in, or a resident, national, or entity established under the laws of any jurisdiction that is comprehensively sanctioned by the U.S., including but not limited to Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine.
  • You must not be currently on any list of prohibited or restricted persons maintained by the U.S. government (including the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC") Specially Designated Nationals and Blocked Persons List and Foreign Sanctions Evaders List and the U.S. Department of Commerce's Bureau of Industry and Security ("BIS") Entity List), the United Nations Security Council, the United Kingdom government, the European Union or its member states, or any other relevant sanctions authority.
  • You can only use our Services if permitted under the laws of your jurisdiction. For the avoidance of doubt, you may not use our Services if you are located in, or a citizen or resident of any state, country, territory or other jurisdiction where your use of our Services would be illegal or otherwise violate any applicable laws.

Please make sure that these Terms are in compliance with all laws, rules, and regulations that apply to you. You agree that you are only using our Services with legally-obtained funds that rightfully belong to you. By using Lumina Wallet, you represent and warrant that you meet all eligibility requirements that we outline in these Terms.

Notwithstanding the aforementioned conditions, we maintain absolute discretion to prohibit certain individuals from accessing or utilizing Lumina Wallet. Additionally, please note that we reserve the right to modify our eligibility criteria at any given time, in accordance with relevant laws, regulations, and company policies.

5. Services

Lumina Wallet serves as a non-custodial digital wallet software intended for digital assets such as cryptocurrencies, virtual commodities, and NFTs ("Digital Assets"). This means that you, and only you, have complete control over and responsibility for your Digital Assets and private keys, thereby authorizing transactions from your wallet address autonomously.

Please be fully aware that because Lumina Wallet operates as a non-custodial wallet software, all associated activities and potential risks of loss are entirely under your management at all times. Lumina Wallet equips you to:

  • Generate wallet addresses and associated private keys that enable you to send and receive various digital assets;
  • Explore and utilize third-party decentralized application(s) ("DApp(s)") and third-party decentralized exchanges ("DEX") through the mobile application's incorporated web browser;
  • Conduct swaps or trade digital assets utilizing DApp features provided by independent third-party service providers;
  • Deploy specific digital assets in a third-party 'Proof of Stake' network through staking services ("Staking Service");
  • Gain access to digital asset price information provided by independent third-party service providers; and
  • Broadcast Digital Asset Transaction data to various blockchain networks supported by Lumina Wallet, thus eliminating the need to download or install the respective blockchain-based software into your local device.

Please remember that your usage of Lumina Wallet's features and services underpins your acceptance of the risks associated with digital asset management and transaction activities, including network variability, cybersecurity threats, and market volatility.

6. Wallet Address, Private Key, and Backup Capabilities

An encrypted backup of certain information associated with your wallet can be stored on eligible devices. The wallet address is linked to the private key; together, they permit the authorization of the transfer of Digital Assets from and into that wallet address. You bear exclusive responsibility for the preservation and security of your private key and any mnemonic phrase ("Secret Phrase") related to your wallet.

It is imperative to safeguard access information for your wallet address, secret phrase, and private key. Equally crucial is the backup of your private keys, backup phrases, or passwords. Failing to do so may conclude in losing authority over Digital Assets tied to your wallet. Please note that we do not gain or retain your wallet password, encrypted private key, unencrypted private key, or secret phrase connected to your wallet. Furthermore, we cannot produce a replacement password for your wallet if you forgot your primary password.

In case you have not securely preserved a backup of any private key and wallet address pair existing in your wallet, remember that all Digital Assets associated with such a wallet address will be unreachable. Hence, we expressly disclaim any responsibility or liability in the event you are unable to access your wallet for any reason, including but not confined to your failure to secure your wallet address, Secret Phrase, and private key information.

Protecting your Digital Assets requires your full caution and alertness. Lumina Wallet operations are premised on the principle that you're fully aware of the importance of your Digital Assets and will execute necessary steps to safeguard them. You agree to be solely responsible for any actions you perform within Lumina Wallet and acknowledge the risks associated with digital asset management.

7. Use of DApps and DEX

When accessing or using decentralized applications (DApps) or decentralized exchanges (DEX), including but not limited to the DApp functionality within our Services such as the "Trade/Swap Digital Assets" feature, you are required to understand and agree to the following terms:

  • Lumina Wallet does not control, endorse, or take responsibility for your engagement with or use of DApps or DEX. Lumina Wallet has no liability or obligation related to your use of DApps or DEX, including but not limited to any transactions that are disputed or result in losses.
  • The amount that you can trade through DEX each day is subject to the rules and limitations set by the third-party developers of the Smart Contracts. Lumina Wallet does not control these limits and is not responsible for enforcing them.
  • All transactions on the blockchain are final and cannot be reversed. This means that any transaction made via DApps or DEX is entirely under your control and responsibility. You take full responsibility for the outcomes of any issues related to these transactions, including but not limited to transfers to incorrect addresses or problems with the node servers you have selected.
  • Using DApps or DEX may result in handling or service fees associated with the third-party Smart Contracts. These fees are determined by the third-party developers and are not controlled by Lumina Wallet. Users should review the fee information provided by the third-party service providers before engaging in any transactions. Any information displayed on Lumina Wallet about these fees is for reference purposes only. Lumina Wallet cannot guarantee the accuracy, relevance, reliability, integrity, or suitability of this information and will not be liable for any losses or damages, direct or indirect, arising from your use of this information.
  • Lumina Wallet reserves the right to introduce charges in the future at its discretion. Any fee updates will apply to transactions conducted after the updated fees come into effect. Users will be notified of such changes through reasonable means, including updates on our website or mobile application.

By using DApps and DEX via Lumina Wallet, you acknowledge and accept these associated risks and potential fees. Lumina Wallet strives to create a user-friendly environment that rigorously adheres to legal standards and regulations. By agreeing to these terms, you strengthen our commitment to security, transparency, and user empowerment.

8. Use of Staking Service

When you access or utilize the Staking Service, you will work with a third-party provider that stakes specific Digital Assets ("Staked Digital Assets") for validating transactions on the related blockchain network. Successful validations may yield a network-issued reward ("Staking Reward").

In using the Staking Service, you acknowledge and agree to the following:

  • Lumina Wallet does not control or take liability for your use of the Staking Service. We expressly disclaim all liability for any potential issues or losses related to your use of the Staking Service, including any loss of Staked Digital Assets, failure to obtain Staking Rewards, or fees incurred during the process.
  • Lumina Wallet cannot guarantee uninterrupted Staking operations. Interruptions in service can occur due to many factors beyond our control, such as codebase updates, network protocol changes, actions from third-party providers, or network congestion.
  • Lumina Wallet cannot ensure the staking or ongoing staking of any specific Digital Asset. The feasibility of staking certain Digital Assets is based on the respective blockchain networks rules and the third-party staking service provider's terms and conditions.
  • Lumina Wallet bears no control over or responsibility for the Staking Rewards provided by the relevant blockchain network. Decisions about the distribution of Staking Rewards, including frequency and amount, solely rest with the respective networks and not Lumina Wallet.
  • Lumina Wallet does not provide advice or make any predictions about the potential value or suitability of any specific Digital Asset or the Staking Service. Any decision to use the Staking Service is your own, and Lumina Wallet assumes no responsibility for this.
  • Lumina Wallet will never take custody of any of your rewards or assets and has no control over any Proof-of-Stake network where Lumina Wallet may exercise validation rights delegated by you.
  • Lumina Wallet does not guarantee that you will receive Staking Rewards or any specific Staking Reward rates. The successful transfer of the rewards is subject to the Proof-of-Stake networks and is not under Lumina Wallet's control.
  • Staking services are provided "as is." Lumina Wallet is not responsible for any failure by any supported Proof-of-Stake (POS) network to transfer rewards or for the loss of rewards due to reasons such as transfer to an incorrect wallet address or other risks like "slashing" (a penalty imposed by the network for malicious behavior or failure to validate transactions).
  • Lumina Wallet does not guarantee uninterrupted or error-free operation of the staking services, nor does it ensure that it will rectify all defects or prevent disruptions caused by third parties or unauthorized third-party access.

By choosing to use the Staking Service, you acknowledge these conditions. We reserve the right to modify this section at any time without prior notice. It is your responsibility to regularly check this section for any amendments. Your continued use of the Staking Service signifies your acceptance of these terms and any amendments thereof.

9. Buy Digital Assets with Supported Credit or Debit Cards

If you opt to use Lumina Wallet to purchase Digital Assets with your credit or debit card, the chosen amount will be converted into the applicable Digital Asset and credited to your wallet by a third-party entity. As you do so, it's important to acknowledge and agree that:

  1. Lumina Wallet is not liable for, nor does it hold any responsibility related to, your usage of this third-party service. It can't be held accountable for any losses incurred during this process;
  2. When using this service, you are bound by any terms and conditions set forth by the specific third-party service provider. Lumina Wallet has no influence over these terms and can't intercede on your behalf should any disputes arise;
  3. Once your request has been submitted, Lumina Wallet doesn't have the power or authority to revise, rescind, or cancel any conversion requests. The transaction is entirely out of Lumina Wallet's hands;
  4. Lumina Wallet is not responsible or liable in any way for the exchange rates offered by the involved third-party service provider. This includes any fluctuation in rate that may occur post-transaction;
  5. Lumina Wallet doesn't shoulder responsibility for any fees imposed by the relevant third-party service provider or your bank or credit card issuer. Any additional charges incurred during the transaction process rest solely on your account.

By choosing to buy Digital Assets via Lumina Wallet, you acknowledge these terms and consent to bear any risks associated with this type of transaction.

10. Digital Asset Transactions

For all intended Digital Asset transactions to be effectuated, they must be validated and chronicled in the respective Digital Asset's public blockchain. These networks, which are decentralized and peer-to-peer, are bolstered by independent third parties and are not under the ownership, control, or operation of Lumina Wallet.

Lumina Wallet has no control over these blockchain networks and, therefore, cannot guarantee the confirmation and execution of any transaction details that you submit via our Services. By opting to use Lumina Wallet, you must acknowledge and consent to the following:

  1. Lumina Wallet is not equipped to cancel or modify your transaction;
  2. Blockchain networks might delay or fail to complete the transaction details you've submitted;
  3. Lumina Wallet does not store, transmit, or receive Digital Assets. All related actions occur wholly within the framework of the applicable blockchain protocol;
  4. Any transfer that relates to any Digital Asset is processed on the applicable blockchain network and not on a network owned or operated by Lumina Wallet, and therefore, Lumina Wallet cannot guarantee the transfer of title or rights in any Digital Asset.

By employing Lumina Wallet's services, you accept all inherent risks associated with the transaction process and the volatile nature of Digital Assets.

11. Accuracy of Information Provided by User

You represent and guarantee that any information you provide via the Services is precise and comprehensive. You accept and understand that we hold no responsibility for any errors or omissions made by you in any Digital Asset transactions initiated via the Services. To avoid potential issues, we strongly urge you to meticulously review the details of your transaction before initiating a Digital Asset transfer.

12. Wallet Registration and Security

To utilize Lumina Wallet, you will need to either import an existing wallet or create a new one. Upon the creation of a wallet, a private key will be generated for you. In the event of unauthorized use of your private key or any other security breaches related to your wallet, you agree to notify us immediately.

However, you understand and agree that all risks associated with the use of our Services are assumed by you, and you will bear full responsibility for maintaining the confidentiality and security of your private key. To avoid loss of access to or control over your wallet, we strongly advise that you implement precautionary measures:

a. generating a unique and strong password not used elsewhere;
b. refrain from storing your private key and Secret Phrase in plain text online or in unsecured physical locations;
c. restricting access to your devices and wallet;
d. ensuring protection from malware on your devices and networks; and
e. immediately informing us of any known or suspected security breaches related to your wallet.

We hold no liability for activities on your wallet, whether they are authorized by you or not.

13. Push Notifications

By opting to receive push notifications from Lumina Wallet, you will be alerted about congestion in the blockchain networks supported by Lumina Wallet and when transactions involving your wallet are completed. If you wish to receive these notifications, you can activate "Push Notifications" in the "Settings" menu.

14. Third Party Services and Content

Our platform connects you to a variety of services provided by our partners, which include but are not limited to crypto to crypto exchanges ("swap"), staking services, buying and selling of cryptocurrencies, services to display balances in fiat currency, cryptocurrency rate displays, decentralized finance applications for the exchange, lending or borrowing of cryptocurrencies, visualizing NFTs, and NFT minting, buying, and selling. Note that we do not have any control over these third-party services ("Third Party Services").

Your engagement with these services and the associated informational content, products, or services ("Third Party Content") is purely voluntary, and any reliance on such content is done at your own risk. While this Agreement regulates your engagement with our service, your interaction with Third Party Content and Services will likely be subjected to additional terms and conditions set by the respective third-party providers. These additional terms might involve separate charges, disclaimers, risk warnings, and privacy policies distinct from ours. It's your responsibility to understand and acknowledge these terms, including how these providers handle your personal information.

By interacting with the Third Party Services, you attest that you have read, understood, and agreed to the provider's terms. Though we make an effort to partner with trustworthy entities, we do not endorse or guarantee their offerings, nor do we assure the success of their services. We deny any liability and responsibility related to your use of these Third Party Services.

Any disputes or complaints relating to these services should be directed to the respective third-party provider. We bear no responsibility for any issues that might arise from your interactions with these services.

It is important to note that any mention or reference to a third-party product or service does not indicate an endorsement or approval from our end. We reserve the right to modify or withdraw the availability of any third-party service at our discretion.

You have the option to receive push notifications from third parties. To receive these notifications, you must explicitly agree to it as they will not be automatically enabled on your device.

We do not ensure the validity of third-party content provided through these notifications, including but not limited to information about token availability or sales.

If you grant access to a third party to your account within the permissions defined by our wallet, it does not exempt you from any responsibilities detailed in these Terms. You remain entirely responsible for all the actions or inactions of any third party that access your wallet.

15. Payment and Fees

The fees related to the Services, or any aspect thereof, are primarily established by our third-party partners and are available on luminawallet.org and/or in the Lumina Wallet mobile application. These fees can include, but are not limited to, cost for account management, transaction fees, withdrawal fees, gas fees, or charges for specific services offered by our partnering entities. Please note that these charges are controlled by the third-party entities and we neither influence nor regulate the creation or modification of these fees.

We stress that these fees transpire from third-party entities that we neither control nor influence in terms of fee creation or adjustment. These partners reserve the right to revise their fee structure independently, as per their discretion.

In certain instances, Lumina Wallet may receive a revenue share from such fees exercised by third parties. However, receiving revenue does not grant us any control or decision-making power over these charges.

Any update or adjustment to such fee structure will be promptly reflected on our website and/or mobile application. Your continued use of our Services following such updates indicates your acceptance of these changes. We recommend that users regularly check our website and mobile app to stay informed about the currently applicable fees.

Upon posting online, any new fee information comes into effect immediately unless stated otherwise. It remains your responsibility to stay informed about the current fee structure.

Moreover, it's essential to understand that third-party services, including blockchain networks, could add additional transaction processing fees. These added charges fall outside our jurisdiction and influence. Hence, we disavow any responsibility for fees associated with third-party services.

Transaction Fees

Your virtual currency transactions may incur transaction fees, such as mining fees, which are mandated by the virtual currency system or blockchain network you choose to use. Before initiating a transaction, it is your responsibility to ensure that your wallet has a sufficient balance and/or "gas" (network processing power) to complete the transaction fully.

It is crucial to note that we hold no control or influence over these fees or the fee setting mechanisms of third-party systems. Consequently, we are not liable for any transaction failures or financial losses you may experience due to inappropriately entered transaction fees (for instance, fees that are set too low or too high). This also extends to any issues arising from insufficient funds or gas associated with your wallet address.

For the sake of clarity, we do not have access to your or anyone else's transactions due to the non-custodial premises of our Services. We manage no transactions nor retain any private keys associated with any wallets.

16. Taxes

Your tax obligations concerning your transactions made through our Services are solely your responsibility. You are required to determine what, if any, taxes apply to your transactions. Moreover, it is incumbent upon you to report and submit the correct tax amounts to the appropriate tax authority.

We expressly clarify that our role does not include determining if taxes apply to your transactions. We are not in the business of collecting, reporting, withholding, or remitting any taxes arising from any Digital Asset-related transactions. Thus any tax obligations that accrue from your transactions through our Services is a matter for you and the applicable tax authorities.

17. Intellectual Property

License

Subject to your agreement and adherence with these Terms, we provide you a non-exclusive, non-sublicensable, and non-transferable license to utilize Lumina Wallet strictly for your personal or internal business use. Unless otherwise explicitly stated in these Terms, you are prohibited from:

a. reproducing, altering, adapting, or creating derivative works of any part of Lumina Wallet;
b. leasing, distributing, selling, sublicensing, transferring, or enabling access to Lumina Wallet;
c. using Lumina Wallet for the benefit of any third party;
d. integrating Lumina Wallet into any product or service you offer to a third party without our prior written approval;
e. circumventing mechanisms in Lumina Wallet designed to limit your use;
f. performing reverse engineering, disassembling, decompiling, translating, or seeking to extract or derive the source code, including images and texts, underlying concepts, algorithms, file formats, or non-public APIs to Lumina Wallet, except as expressly permitted by law (after giving advance notice to us);
g. removing or obscuring any proprietary or other notices integrated into Lumina Wallet;
h. using Lumina Wallet for competitive analysis purposes or to develop competitive products.

Feedback

You may, on occasion, decide to provide us with feedback. We reserve the right to freely use, copy, disclose, license, distribute, and exploit any feedback related to Lumina Wallet in any manner without any obligation, royalty, or limitation based on intellectual property rights or other restrictions. None of the feedback will be considered as your Confidential Information, and there's no constraint in this Agreement that limits our right to independently use, develop, evaluate, or market products or services, whether incorporating your feedback or not.

Open Source

Lumina Wallet operates under a GPL open source license. Details regarding Lumina Wallet's current software can be found at https://github.com/LuminaWallet. As the software development is steered by a community, under open-source ethos, it's accessible, usable, and shareable (in modified or unmodified form) for anyone. Be advised that GPL operates as a copyleft license, meaning any derivative creations must be distributed under the same license conditions as the parent software.

Content

Lumina Wallet may encompass copyrighted material and trademarks including, but not limited to, text and graphical content ("the Content"), subject to protection by copyright law, registered and unregistered trademarks, and other intellectual property rights. Unless otherwise explicitly stated, we exclusively retain ownership of the Content. Your use of Lumina Wallet confers no right, title, or interest in the Content to you. You concur that you will refrain from copying, reproducing, modifying, republishing, uploading, posting, transmitting, distributing, collecting, selling, licensing, creating derivative works from, or exploiting the Content, wholly or partly, irrespective of the method employed.

License to NFT Content

Lumina Wallet may facilitate the storage of non-fungible tokens ("NFTs"). You assert that you have legitimate ownership or authorized access to the intellectual property rights affiliated with the content associated with the NFT ("NFT Content"), and hence, you can store NFTs on Lumina Wallet. All rights to the NFT Content stored on Lumina Wallet are retained by you, except where expressly granted herein.

By utilizing Lumina Wallet, you permit us a license to access, use, host, cache, store, reproduce, transmit, display, publish, distribute, adapt, and modify (for technical purposes, such as compatibility across various devices) the NFT Content across any media or distribution methods (existing currently or developed henceforth) as required to facilitate the services of Lumina Wallet.

Due to our non-interference with NFTs stored and their associated content on Lumina Wallet, we're exempt from any liability for third-party intellectual property rights violations. It is your sole responsibility to perform necessary due diligence for all NFT-related activities, and you acknowledge that we do not guide or endorse any interactions or transactions associated with NFTs.

18. Your Use of Lumina Wallet

You agree and warrant that your use of our Services will fully comply with all applicable laws. This includes any local, provincial, state, federal, national, or international laws relevant to your usage. You commit to abstain from utilizing our Services for funding, supporting, or taking part in any illegal activities including, but not limited to, prohibited trade, illegal gambling, fraud, money laundering, or terrorist activities.

This agreement clarifies that if any violation of these Terms and/of any applicable laws or regulatory requirements such as the Bank Secrecy Act are discovered, we reserve all rights and remedies under these Terms and at law, and we will resort to all necessary measures against you.

Additionally, you agree to:

  1. Refrain from encouraging or inducing any third party to participate in any of the activities prohibited under this section.
  2. Not impersonate another individual, or authorize or attempt to authorize another user's wallet without permission. Furthermore, refrain from any use of our Services that might interfere, disrupt, adversely affect, or hinder other users from fully enjoying our Services.
  3. Not distribute any virus or other harmful computer codes through Lumina Wallet.
  4. Not perform any action that could pose an unreasonable or disproportionately large load on our or any of our third-party providers' infrastructure.
  5. Not engage in reverse engineering nor bypass or endeavor to bypass any measures we may use to prevent or restrict access to the Services.
  6. Respect, not violate, misappropriate, nor infringe the rights of Lumina Wallet, our users, or others, including privacy, publicity, intellectual property rights, or any other proprietary rights.

While we are not obligated to monitor any user content, we maintain full discretion to initiate any actions at any time and for any reason without notice should you breach these Terms. Any use of Lumina Wallet not explicitly authorized in these Terms, devoid of our prior written consent, is rigorously prohibited and will lead to an immediate termination of your license to use Lumina Wallet without notice.

19. Limitation of Liability & Disclaimer of Warranties

You acknowledge and accept that Lumina Wallet cannot control, nor is obligated to act regarding: (i) potential failures, disruptions, mistakes, or delays in the processing of Digital Assets during your usage of the Services; (ii) chances of hardware, software, and internet connectivity failures; (iii) the risk of malicious software being introduced or discovered in software underpinning Lumina Wallet; (iv) the possibility of unauthorized third-party access to your wallet information, including, but not limited to, your wallet address, private key, and Secret Phrase; and (v) the risk of unknown vulnerabilities or unforeseen changes in the relevant blockchain networks.

You agree to hold us harmless and release us from all liability relating to any losses, damages, or claims resulting from: (a) user errors such as forgotten passwords, misconstructed transactions, or mistyped Digital Asset addresses; (b) server failure or data loss; (c) unauthorized access to the Lumina Wallet application; (d) bugs or other faults in the Lumina Wallet software; and (e) unsanctioned third-party activities, including, but not limited to the employ of viruses, phishing, brute forcing, or other potential attack vectors against Lumina Wallet.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OR OUR AFFILIATES, OR ANY OF OUR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS BE LIABLE FOR ANY DIRECT DAMAGES OR INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES OR LIABILITIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA, INFORMATION, REVENUE, PROFITS OR OTHER BUSINESSES OR FINANCIAL BENEFITS) WHETHER UNDER CONTRACT, TORT, NEGLIGENCE, STATUTE, STRICT LIABILITY OR OTHER THEORY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF YOUR ACCESS OR USE OF THE SERVICES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN NO EVENT SHALL OUR LIABILITY TO YOU FOR ALL DAMAGES (OTHER THAN MAY BE REQUIRED BY APPLICABLE LAW IN CASES INVOLVING PERSONAL INJURY) EXCEED THE AMOUNT OF ONE HUNDRED U.S. DOLLARS ($USD100.00) OR ITS EQUIVALENT IN THE LOCAL CURRENCY OF THE APPLICABLE JURISDICTION.

Warranty Disclaimer

LUMINA WALLET IS PROVIDED "AS IS" AND "AS AVAILABLE", AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, RELATING TO THE SERVICES AND UNDERLYING SOFTWARE OR ANY ASPECT OF THE INFORMATION, CONTENT, OR THE SERVICES, WHETHER PROVIDED OR OWNED BY US, OR BY ANY THIRD PARTY OR CONTAINED IN ANY THIRD PARTY MATERIALS OR ON ANY THIRD PARTY WEBSITES ACCESSIBLE OR LINKED TO OUR WEBSITE OR THE SERVICES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS, AND ANY IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE IN TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED.

20. Indemnity

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless us, our affiliates, and our respective shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers and contractors, from and against any and all claims, damages, obligations, losses, liabilities, tort, costs or debt, and expenses (including, but not limited to, attorney's fees) arising from: (a) your use of and access to the Services; (b) any feedback or submissions you provide to us concerning Lumina Wallet; (c) violation of any Third Party Content; (d) your violation of the Terms; or (e) your violation of any law, rule, or regulation, or the rights of any third party.

21. The Limitation on Claims

You agree that any claim you may have arising out of or related to your relationship with us must be filed within one year after such claim arises, otherwise, your claim is permanently barred.

22. Termination

In the event of termination concerning your license to use Lumina Wallet, your obligations under this Agreement will still continue. Your access to the funds in your Wallet after termination will depend on your access to your backup of your Wallet address and private key.

23. Discontinuation of Services

We may, in our sole discretion and without cost to you, with or without prior notice, and at any time, modify or discontinue, temporarily or permanently, any portion of our Services. You are solely responsible for storing outside of the Services a backup of any wallet address and private key pair that you maintain in your wallet.

Maintaining an external backup of any wallet address and private key pairs associated with your wallet will allow you to access the blockchain network upon which your wallet is secured. Such a backup will allow you to fully restore your wallet at any time without cost or loss of your Digital Assets. If you do not maintain a backup of your wallet data outside of the Services, you will not be able to access the Digital Assets associated with your wallet. Lumina Wallet shall not be held responsible or liable for any loss of Digital Assets in the event that we discontinue all or any part of the Services.

24. No Waiver

Our failure to exercise or delay in exercising any right, power, or privilege under this Agreement shall not operate as a waiver; nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of us. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise.

25. Severability

If it turns out that any part of this Agreement is invalid, void, or for any reason unenforceable, that term will be deemed severable and limited or eliminated to the minimum extent necessary. The limitation or elimination of the term shall not affect or impair the validity or enforceability of any remaining part of that term, clause or provision or any other terms, clauses or provisions of these Terms.

26. Governing Law, Waiver of Class Action & Agreement to Arbitrate

(i) Governing Law

Excluding scenarios where Applicable Law stipulates or offers an alternative, these Terms, inclusive of the arbitration agreement herein, are to be governed by, and interpreted in line with, the laws of France.

(ii) Class Action Waiver

Except in instances where Applicable Law necessitates or offers an alternate choice, you and Lumina Wallet agree that, subject to the clause regarding Notice of Claim and Dispute Resolution Period mentioned above, any Claim must be resolved by compulsory, final, and binding individual (not class) arbitration overseen by the International Chamber of Commerce ("ICC") and in accordance with its prevailing Rules, which are deemed incorporated by reference into this clause.

(iii) Agreement to Arbitrate

The seat of arbitration is agreed to be Paris, France. The Tribunal will consist of one (1) arbitrator to be appointed as per the ICC Rules. The language for the arbitration will be French or English. You and Lumina Wallet further concur that the arbitrator will solely hold the power to rule on his or her jurisdiction, which includes any objections pertaining to the existence, scope, or validity of the Agreement to Arbitrate, or to the arbitrability of any Claim. The arbitration provisions detailed in this clause will survive the termination of these Terms.

Limitation period for filing: To raise any arbitration against Lumina Wallet, a Notice of Arbitration must be filed and served in accordance with the ICC Rules within one (1) year from the date the user asserting the Claim first identified, or should have reasonably found out, the alleged act, omission, or default leading to the Claim ("Limitation Period"). If the Notice of Arbitration in respect of a Claim is not filed and served on Lumina Wallet within that Limitation Period, there will be no recourse or relief for any Claim by the user.

Notice: If Lumina Wallet commences arbitration against you, it will provide notice at the email address or postal address you have provided. You agree that any notice sent to this email or postal address will be considered sufficient for all purposes, including determinations relating to the adequacy of service. It is your obligation to keep the email address and/or postal address on file with Lumina Wallet up-to-date and accurate.

27. Force Majeure

We shall not be held liable for any delays, failure in performance, or interruptions of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to: any delay or failure due to any acts of God, acts of civil or military authorities, acts of terrorism, civil or industrial disturbances, blockages, embargoes, war, strikes or other labor disputes, fire, earthquakes, storms or other nature-related events, interruption in electrical telecommunications or Internet services or network provider services, failure of hardware equipment and/or software or other utility failures, smart contract bugs or weaknesses, technological changes, changes in interest rates or other monetary conditions, and, for the avoidance of doubt, changes to any blockchain-related protocol, other catastrophe, or any other occurrences which are beyond our reasonable control, and shall not affect the validity and enforceability of any remaining provisions.

28. Assignment

You agree that we may assign any of our rights and/or transfer, sub-contract, or delegate any of our obligations under these Terms without any notice or consent from you. These Terms will bind and inure to the benefit of the parties, their successors and permitted assigns. Your agreement to these Terms is personal to you and you may not transfer or assign it to any third party.

29. No Third Party Beneficiaries

You agree that, except as otherwise expressly provided in these Terms, there shall be no third party beneficiaries to the Terms.

30. Entire Agreement

This Agreement sets forth the entire understanding and agreement as to the subject matter hereof and supersedes any and all prior discussions, agreements, and understandings of any kind (including, without limitation, any prior versions of the Terms) and every nature between us. Except as provided for above, any modification to these Terms must be in writing and must be signed by both parties.

31. Notices

Any notices or other communications provided by us under these Terms, including those regarding modifications to it will be given by posting to the Services and/or through other electronic communication. You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures that we provide in connection with your account and your use of the Services.

32. Questions or Comments

If you have any questions relating to these Terms, your rights and obligations arising from these Terms and/or your use of Lumina Wallet and our Services or any other matter please send us a message on our contact page at support@luminawallet.org.

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