Terms and Conditions

Welcome to Luminova Ventures Limited!

These terms and conditions outline the rules and regulations for the use of Luminova Ventures Limited’s website, located at luminova.ventures.

By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use Luminova Ventures Limited’s website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to Luminova Ventures Limited. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to prevailing law. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to the same.

Products and Services

Luminova Ventures Limited provides the following products and services:

Trading Tools: Software tools, indicators, and resources designed to assist with trading analysis and decision-making. These tools are provided “as is” for educational purposes only and do not guarantee any specific results or profits.
Financial Education Courses: Online educational courses covering trading strategies, financial markets, risk management, and related topics. Course content is delivered digitally through our platform.
Digital Content: Articles, videos, tutorials, and other educational materials accessible through our website.
Subscription Services: Recurring access to premium tools, courses, and content on a monthly or annual basis.

All products and services are delivered electronically and constitute digital goods. Upon successful payment, you will receive immediate access credentials or instructions for accessing your purchased products. By purchasing digital content with immediate access, you acknowledge that your statutory right of withdrawal may be affected as provided under applicable consumer protection laws.

User Accounts

To access certain features of our website, you may be required to create an account. When you create an account, you agree to:

Provide accurate, current, and complete information during the registration process.
Maintain and promptly update your account information to keep it accurate, current, and complete.
Maintain the security of your password and accept all risks of unauthorized access to your account.
Notify us immediately if you discover or suspect any security breach related to your account.
Be responsible for all activities that occur under your account.

You may not:

Share your account credentials with any third party.
Use another person’s account without permission.
Create multiple accounts for fraudulent purposes or to circumvent account restrictions.
Use your account for any illegal or unauthorized purpose.
Transfer, sell, or resell your account or access rights to any third party.

We reserve the right to suspend or terminate your account immediately if you violate these terms or engage in fraudulent, abusive, or illegal activity. Account termination may result in loss of access to purchased content without refund, except as required by law or our Refund and Return Policy.

Pricing and Payment

All prices are displayed in USD (United States Dollars) or EUR (Euros) unless otherwise stated. Payment is required in full before accessing purchased products or services. Prices are subject to change at any time without prior notice. Price changes will not affect orders already confirmed and paid.

Accepted Payment Methods:

We accept the following payment methods processed through secure third-party payment processors:

1. Stripe (Credit/Debit Cards, SEPA, Bank Transfers):

Visa, Mastercard, American Express, and other major cards
SEPA Direct Debit (for EU customers)
Bank transfers and other local payment methods as available
Payment data is processed and secured by Stripe, Inc. (PCI DSS Level 1 certified)
We do not store your complete payment card information on our servers
Stripe processing fees may apply and are non-refundable
You agree to Stripe’s Payment Method Terms when using Stripe

2. Cryptocurrency Payments:

Accepted cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), USDT (Tether), USDC, and other selected cryptocurrencies as listed at checkout
Payments are processed through third-party cryptocurrency payment processors
Cryptocurrency prices are calculated at the exchange rate at the time of payment initiation
You must complete payment within the specified time window (typically 15-30 minutes) before the exchange rate expires
Blockchain network transaction fees are the responsibility of the buyer
Cryptocurrency transactions are irreversible once confirmed on the blockchain
We reserve the right to use Know Your Transaction (KYT) compliance screening for cryptocurrency payments
Transactions flagged by compliance checks may be automatically rejected or refunded minus processing fees
You must send cryptocurrency only from a wallet you control (not from an exchange account) to ensure refunds can be processed if needed

Payment Authorization and Warranties:

By providing payment information, you represent and warrant that:

You have the legal right to use the payment method provided.
The information you provide is accurate and complete.
You are at least 18 years of age or the age of majority in your jurisdiction.
Charges incurred by you will be honored by your payment provider or blockchain network.
You will not dispute or reverse charges made for valid purchases, except in cases of unauthorized use or technical error.

Payment Obligations:

All payment obligations are non-cancelable once payment is processed and access is granted. Initiating a chargeback or payment dispute without first attempting to resolve the issue with us may result in:

Immediate suspension of your account
Revocation of access to all purchased products
Additional fees to cover chargeback costs (up to $25 per chargeback)
Legal action in cases of fraudulent disputes

Subscriptions and Recurring Payments

Some products and services may be offered on a subscription basis with recurring payments. If you purchase a subscription:

You authorize us to charge your payment method automatically on a recurring basis (monthly, annually, or as specified) until you cancel.
Subscription fees are billed in advance of the applicable subscription period.
For card payments via Stripe: Your card will be automatically charged on the renewal date.
For cryptocurrency payments: Recurring subscriptions require manual renewal; you will receive an email notification before each renewal period.
You may cancel your subscription at any time through your account settings or by contacting us at contact.
Cancellation will take effect at the end of the current billing period. No refunds will be provided for partial subscription periods except as required by law or our separate Refund and Return Policy.
We reserve the right to change subscription fees with 30 days’ advance notice via email.
If a payment fails (e.g., expired card, insufficient funds, failed blockchain transaction), we will notify you and may suspend your subscription access until payment is received.
Failure to pay subscription fees may result in account suspension or termination.

Taxes

All prices displayed are exclusive of applicable taxes unless stated otherwise. You are responsible for paying all applicable taxes, duties, and government charges related to your purchase, including but not limited to:

Value Added Tax (VAT) for EU/UK customers
Goods and Services Tax (GST) where applicable
Capital gains tax on cryptocurrency transactions (consult your tax advisor)

For EU customers: VAT will be calculated and added at checkout based on your location.

Refunds and Cancellations

All sales of digital products are final once access is granted or content is downloaded, except as outlined in our separate Refund and Return Policy, which is incorporated into these Terms by reference. Please review that policy carefully before making a purchase.

Key refund terms:

Technical issues preventing product access may be eligible for refund if unresolved within 14 days
EU customers have statutory withdrawal rights subject to conditions
Cryptocurrency refunds are subject to blockchain network fees
Stripe processing fees are non-refundable

Technical Requirements and Access

To access our products and services, you must have:

A reliable internet connection with sufficient bandwidth
A modern web browser (Chrome, Firefox, Safari, or Edge – latest version recommended)
JavaScript and cookies enabled
Sufficient device storage for downloading any materials
Email access to receive account notifications and access credentials
For trading tools: Compatible trading platform software (e.g., TradingView, MetaTrader)

System requirements for specific products are listed on individual product pages. You are responsible for ensuring your system meets these requirements before purchase.

We strive to maintain 99% uptime for our platform but do not guarantee uninterrupted or error-free access. We are not liable for any interruptions, delays, or errors due to:

Scheduled or emergency maintenance
Technical issues beyond our control
Your internet service provider or network issues
Force majeure events

Intellectual Property and License

Unless otherwise stated, Luminova Ventures Limited and/or its licensors own all intellectual property rights for all material on our website, including but not limited to: text, graphics, logos, icons, images, audio clips, video clips, digital downloads, data compilations, software, and the compilation thereof.

License Grant:

Upon purchase, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Access and use purchased products for your personal, non-commercial use only
Download course materials for offline viewing on your personal devices
View and print pages from our website for your own personal use

License Restrictions:

You must not:

Republish, reproduce, duplicate, or copy material from our website or products
Sell, rent, lease, sub-license, or transfer your license to any third party
Redistribute, share, or make available our content to others (including file-sharing platforms)
Reverse engineer, decompile, or disassemble any software or tools
Remove or alter any copyright, trademark, or other proprietary notices
Use our content for commercial purposes without written permission
Create derivative works based on our content
Share your account access credentials with others
Circumvent any access controls, DRM, or security measures
Use automated tools (bots, scrapers) to access or download content

For Trading Tools Specifically:

Licensed for use by one individual only
May not be resold, shared, or distributed
May not be modified or incorporated into other software/tools
May not be used to provide services to third parties

Any unauthorized use, reproduction, or distribution is strictly prohibited and constitutes a material breach of these Terms, which may result in:

Immediate termination of your license and account
Legal action for copyright infringement
Liability for damages and legal fees

User Comments and Contributions

This Agreement shall begin on the date hereof.
Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material and data (“Comments”) in areas of the website, including but not limited to: forums, reviews, testimonials, and community features. Luminova Ventures Limited does not screen, edit, publish or review Comments prior to their appearance on the website, and Comments do not reflect the opinions or views of Luminova Ventures Limited, its agents or affiliates. Comments reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws, Luminova Ventures Limited shall not be responsible or liable for the Comments or for any loss, cost, liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
Luminova Ventures Limited reserves the right to monitor all Comments and to remove any Comments which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.
You warrant and represent that:
- You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
- The Comments do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or other proprietary right of any third party;
- The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy;
- The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity;
- The Comments do not contain any personally identifiable information of others without consent;
- The Comments comply with all applicable laws and regulations.
You hereby grant to Luminova Ventures Limited a non-exclusive, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, edit, modify, translate, distribute, and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media for any purpose, including but not limited to marketing and promotional materials.

Prohibited Activities

You agree not to engage in any of the following activities:

Violating any applicable local, state, national, or international law or regulation
Infringing on intellectual property rights of Luminova Ventures Limited or third parties
Transmitting any malicious code, viruses, trojans, worms, or harmful software
Attempting to gain unauthorized access to our systems, servers, or other users’ accounts
Interfering with, disrupting, or imposing an unreasonable burden on the website’s operation or infrastructure
Using automated systems (bots, scrapers, crawlers) to access the website without express written permission
Impersonating another person, entity, or falsely stating or misrepresenting your affiliation with a person or entity
Harassing, threatening, intimidating, or abusing other users
Collecting or harvesting personal information of other users
Using the website for any fraudulent or illegal purpose
Posting or transmitting spam, chain letters, or unsolicited commercial messages
Manipulating or gaming any rating or review systems
Engaging in any activity that could damage our reputation or goodwill
Encouraging or enabling any violations of these Terms

Violation of these prohibited activities may result in:

Immediate termination of your account without refund
Reporting to appropriate law enforcement authorities
Legal action for damages and injunctive relief

Termination

We reserve the right to terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason, including but not limited to:

Breach of these Terms and Conditions
Fraudulent, abusive, or illegal activity
Providing false or misleading information during registration or use
Chargebacks or payment disputes determined to be invalid
Sharing account credentials or violating license terms
Extended period of inactivity (12+ months)
Request from law enforcement or regulatory authorities

Upon termination:

Your right to access and use our services will immediately cease
You will no longer have access to your account, purchased content, or any data within it
We may delete your account data after a reasonable period
No refunds will be provided for any unused portion of paid services unless required by law or our Refund and Return Policy
All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to: intellectual property provisions, disclaimers, limitations of liability, and dispute resolution
You remain liable for all charges incurred prior to termination

You may terminate your account at any time by contacting us at contact. Voluntary account termination does not entitle you to any refunds for unused services.

Hyperlinking to our Content

The following organizations may link to our website without prior written approval:
- Government agencies;
- Search engines;
- News organizations;
- Online directory distributors when they list us in the directory may link to our website in the same manner as they hyperlink to the websites of other listed businesses; and
- Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our website.

These organizations may link to our home page, to publications or to other website information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

We may consider and approve in our sole discretion other link requests from the following types of organizations:

commonly-known consumer and/or business information sources such as Chambers of Commerce, automobile associations, or consumer unions;
dot.com community sites;
associations or other groups representing charities;
online directory distributors;
internet portals;
accounting, law and consulting firms whose primary clients are businesses; and
educational institutions and trade associations.

We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses; (b) the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of Luminova Ventures Limited; and (d) where the link is in the context of general resource information or is otherwise consistent with the editorial content in a newsletter or similar product furthering the mission of the organization.

If you are among the organizations listed above and are interested in linking to our website, you must notify us by contacting us at contact.

Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URL(s) on our site to which you would like to link. Allow 2–3 weeks for a response.

Approved organizations may hyperlink to our website as follows:

By use of our corporate name; or
By use of the uniform resource locator (web address) being linked to; or
By use of any other description of our website or material being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Luminova Ventures Limited’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our web pages or use other techniques that alter in any way the visual presentation or appearance of our website.

Reservation of Rights

We reserve the right at any time and in our sole discretion to request that you remove all links or any particular link to our website. You agree to immediately remove all links to our website upon such request. We also reserve the right to amend these terms and conditions and our linking policy at any time. By continuing to link to our website, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our website or any linked website objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavor to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Disclaimer of Warranties

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

OUR WEBSITE, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Warranties of merchantability, fitness for a particular purpose, or non-infringement
Warranties that the website or services will be uninterrupted, error-free, or secure
Warranties regarding the accuracy, reliability, or completeness of content
Warranties that defects will be corrected

Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury resulting from negligence;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set out in this Disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUMINOVA VENTURES LIMITED, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

Any indirect, incidental, special, consequential, or punitive damages
Any loss of profits, revenue, data, or business opportunities
Any trading losses or investment losses of any kind
Any damages resulting from your use or inability to use our services
Any damages arising from reliance on information provided on our website
Any damages resulting from unauthorized access to your account
Any damages arising from third-party payment processor errors or delays
Any damages arising from blockchain network issues or cryptocurrency price fluctuations

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

Trading and Financial Education Disclaimer

Luminova Ventures Limited provides trading tools and financial education courses for informational and educational purposes only. WE ARE NOT LICENSED FINANCIAL ADVISORS, REGISTERED INVESTMENT ADVISORS, BROKER-DEALERS, OR FIDUCIARIES. Nothing on our website or in our courses should be considered financial, investment, trading, tax, or legal advice.

Important Risk Disclosures:

Trading involves substantial risk of loss. You may lose some or all of your invested capital. Only risk capital you can afford to lose should be used for trading. Past performance does not guarantee future results.
No guarantees of profit. We make no representations or warranties that you will earn any income or profits using our tools or courses. Your results will vary based on many factors including your knowledge, experience, discipline, risk tolerance, market conditions, and timing.
Educational purposes only. Our tools and courses are designed for education and informational purposes. They should not be construed as specific trading recommendations or signals.
Hypothetical or simulated performance. Any historical returns, backtested results, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance. Hypothetical performance results have many inherent limitations.
Consult professionals. You should consult with qualified financial advisors, accountants, attorneys, and tax professionals before making any investment, trading, or financial decisions.
Compliance responsibility. You are solely responsible for complying with all applicable laws, regulations, and tax obligations in your jurisdiction regarding trading, investments, and cryptocurrency transactions.
Market risks. Financial markets are inherently volatile and unpredictable. Market conditions can change rapidly and unexpectedly.
No guaranteed results. While we strive to provide high-quality educational content, we cannot guarantee that our tools or strategies will work for every individual or in every market condition.

For U.S. Users:

Our educational materials and tools are not intended to constitute an offer to sell or a solicitation to buy securities, commodities, or any other financial instruments. We are not registered with the SEC, FINRA, CFTC, NFA, or any other regulatory authority.

Cryptocurrency Disclaimer:

Cryptocurrency trading carries additional risks:

Extreme price volatility and potential for total loss
Regulatory uncertainty and potential changes in laws
Security risks including hacking and loss of private keys
Irreversible transactions
Tax implications that vary by jurisdiction

Your Sole Responsibility:

You acknowledge and agree that:

All trading and investment decisions are made solely by you
You assume full responsibility for all trading decisions and outcomes
You will not hold us liable for any losses, damages, or expenses incurred
You have the knowledge, experience, and risk tolerance necessary for trading

Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms and Conditions or your use of our website shall be resolved through the following process:

Informal Resolution: We encourage you to contact us first at contact to attempt to resolve any dispute informally. We commit to working in good faith to resolve disputes within 30 days of notice.
Binding Arbitration: If informal resolution is unsuccessful, any dispute shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.
The arbitration shall be:
- Conducted in English
- Held in Delaware, USA, or via videoconference
- Decided by a single arbitrator
- Governed by the Federal Arbitration Act
Each party shall bear its own costs of arbitration, including attorney fees, unless the arbitrator determines otherwise. The arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Exceptions to Arbitration: Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

For EU/UK Users:

If you are a consumer located in the European Union or United Kingdom, you may have additional statutory rights under local consumer protection laws, including:

The right to withdraw from purchases within 14 days under the Consumer Rights Directive
The right to bring disputes in the courts of your country of residence
The right to access alternative dispute resolution through the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr

Nothing in these Terms limits those mandatory statutory rights. Where there is a conflict between these Terms and applicable EU/UK consumer protection laws, those laws shall prevail.

Severability

If any provision of these Terms and Conditions is found to be unenforceable, invalid, or illegal by a court of competent jurisdiction, that provision shall be limited, modified, or eliminated to the minimum extent necessary so that these Terms and Conditions shall otherwise remain in full force and effect and enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, Refund and Return Policy, Cookie Policy, and any other legal notices published by us on our website, constitute the entire agreement between you and Luminova Ventures Limited concerning your use of our website and services, and supersede all prior agreements, understandings, or representations.

Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent. We may assign these Terms or any rights hereunder without your consent. Any attempted assignment in violation of this provision shall be null and void.

Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Force Majeure

We shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to: acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. We will notify you of any material changes by:

Posting the new Terms and Conditions on this page
Updating the “Last Updated” date at the bottom of this page
Sending an email notification to your registered email address (for material changes)
Displaying a prominent notice on our website

Material changes will take effect 30 days after notification. Non-material changes take effect immediately upon posting. You are advised to review these Terms and Conditions periodically for any changes. Your continued use of our website or services following the posting of changes constitutes your acceptance of those changes. If you do not agree to the modified Terms, you must stop using our services and may request account termination.

Contact Information

If you have any questions about these Terms and Conditions, please contact us at contact.

Company Information:

Legal Name: Luminova Ventures Limited
Website: luminova.ventures
Contact Page: luminova.ventures/contact

Last Updated: January 22, 2026

Terms and Conditions

Explore

Quick Links

Support

Subscribe to Our Newsletter