Lumina AI Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the Lumina AI mobile application (the “App”) provided by MSA CORE LLC (“MSA CORE”, “we”, “our”).

By installing or using the App, you confirm that you have read, understood and accepted these Terms in full. If you do not agree, you must not install or use the App.

1. Nature of the Service

Lumina AI is an informational, educational and decision-support application. It is not a buy/sell, investment-advice or trading-instruction platform, and it does not connect to any broker, exchange or trading account.

Any information surfaced inside the App — including behavioral risk awareness, AI-assisted context, decision pressure views, discipline support and educational content — is provided for informational purposes only and is not a personal recommendation, instruction or guarantee.

2. Eligibility

You must be of legal age in your jurisdiction to use the App and to accept these Terms. The App is not intended for use where its use would be contrary to local law or regulation.

3. Account and Security

The App may operate with a local device-based account. Certain future, cloud-based, or account-linked features may require additional authentication. If you use or create such an account, you are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You must promptly notify us of any unauthorised use.

4. Acceptable Use

You agree not to:

• Use the App in violation of any applicable law or regulation.
• Reverse engineer, decompile or attempt to extract the source code of the App, except as expressly permitted by law.
• Interfere with, disrupt or attempt to gain unauthorised access to the App or its infrastructure.
• Use the App to provide investment advice, brokerage, order-execution, or trading-instruction services to third parties.
• Misrepresent information surfaced in the App as a personal recommendation, price prediction, or guarantee.

5. Intellectual Property

The App, including its software, design, content, branding and trademarks, is owned by or licensed to MSA CORE LLC and is protected by intellectual-property laws. You receive a limited, non-exclusive, non-transferable, revocable licence to use the App for personal, lawful, informational purposes only.

6. Subscriptions and Billing

Certain features of the App require a paid subscription (“Subscription”). The following terms apply to all Subscriptions:

• Auto-renewal. Subscriptions automatically renew at the end of each billing period unless you cancel at least 24 hours before the renewal date. Your account will be charged for renewal within 24 hours prior to the end of the current period at the rate confirmed at purchase.
• Cancellation. You may cancel your Subscription at any time through the app store from which you purchased it — Apple App Store (iOS) or Google Play (Android). Cancellation takes effect at the end of the current billing period; you retain access until that date. MSA CORE does not process cancellations directly.
• Refunds. Refund requests are governed by the policies of the Apple App Store or Google Play. MSA CORE does not issue refunds independently of those store policies.
• Free trials. Where a free trial is offered, any unused portion of the trial is forfeited when you purchase a Subscription. If you do not cancel before the trial ends, your account will be charged.
• Billing infrastructure. Subscriptions on Android are processed through Google Play Store; subscriptions on iOS are processed through Apple App Store. Entitlement management is handled via RevenueCat. Purchase and restore of subscriptions are independent of app login and do not require account creation.

7. Third-Party Services

The App may rely on third-party services (for example: app stores, cloud hosting, analytics, push notifications). MSA CORE is not responsible for the availability, terms or behaviour of those third-party services.

8. No Investment Advice

Nothing inside the App constitutes investment advice, financial advice, tax advice, legal advice or a personal recommendation. The user remains solely responsible for any trading, financial or operational decision they take, regardless of any information surfaced inside the App.

Please review the Risk Disclaimer and the Lumina AI Privacy Policy, which form an integral part of these Terms.

9. Disclaimers

The App is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose or non-infringement. We do not warrant that the App will be uninterrupted, error-free or fully accurate.

10. Limitation of Liability

To the maximum extent permitted by applicable law, MSA CORE LLC and its affiliates, officers, employees and partners disclaim all liability for any direct, indirect, incidental, consequential or punitive loss or damage — including loss of capital, lost profits, missed opportunities, data loss, or business interruption — arising from or related to the use of, or inability to use, the App.

11. Suspension and Termination

We may suspend, restrict or terminate your access to the App at any time and without prior notice if we believe you have breached these Terms or if continued access poses a risk to other users, third parties or the integrity of the service.

12. Changes to the App and Terms

We may modify, update or discontinue features of the App at any time. We may also update these Terms; the updated version takes effect when published. Continued use of the App after a change constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-laws principles, except where mandatory consumer-protection rules of your country of residence apply.

14. Contact

MSA CORE LLC · Wyoming, USA · [email protected]