Terms and Conditions

Welcome to Luminova Ventures!

These terms and conditions outline the rules and regulations for the use of Luminova Ventures’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’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 our Company. “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 same.

Products and Services

Luminova Ventures 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” 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.

All products and services are delivered electronically. Upon successful payment, you will receive access credentials or instructions for accessing your purchased products. 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.
• Use your account for any illegal or unauthorized purpose.

We reserve the right to suspend or terminate your account if you violate these terms or engage in fraudulent, abusive, or illegal activity.

Pricing and Payment

All prices are displayed in USD (United States Dollars) unless otherwise stated. Payment is required before accessing purchased products or services. We accept the following payment methods:

• Cryptocurrency (Bitcoin, Ethereum, USDT, and other selected cryptocurrencies as listed at checkout)
• Credit and debit cards (Visa, Mastercard, American Express)
• PayPal
• Other payment processors as listed at checkout

By providing payment information, you represent and warrant that:

• You have the legal right to use the payment method.
• The information you provide is accurate and complete.
• Charges incurred by you will be honored by your payment provider.

All payments are processed securely through third-party payment processors. We do not store your complete payment card information on our servers. Prices are subject to change at any time. Price changes will not affect orders already placed.

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 on a recurring basis (monthly, annually, or as specified) until you cancel.
• Subscription fees are billed in advance of the applicable subscription period.
• You may cancel your subscription at any time through your account settings or by contacting us.
• Cancellation will take effect at the end of the current billing period. No refunds will be provided for partial subscription periods.
• We reserve the right to change subscription fees with 30 days’ advance notice.

Refund and Cancellation Policy

Due to the digital nature of our products, all sales are generally final. However, we offer refunds under the following conditions:

For Courses and Digital Products:

• You may request a refund within 14 days of purchase if you have accessed less than 20% of the course content.
• Refunds will not be granted if you have completed or accessed more than 20% of the course material.
• To request a refund, contact us at contact with your order number and reason for the refund request.
• Refunds are processed within 10 business days and returned to the original payment method.

For Subscription Services:

• You may cancel your subscription at any time.
• No refunds are provided for partial subscription periods.
• Access will continue until the end of the current billing period.

EU Right of Withdrawal:

If you are located in the European Union, you have the right to withdraw from your purchase within 14 days without giving any reason. However, by accessing digital content, you expressly waive your right of withdrawal as permitted under EU law.

Technical Requirements and Access

To access our products and services, you must have:

• A reliable internet connection
• A modern web browser (Chrome, Firefox, Safari, or Edge – latest version recommended)
• Sufficient device storage for downloading any materials
• Email access to receive account notifications and access credentials

We strive to maintain 99% uptime for our platform but do not guarantee uninterrupted access. We are not liable for any interruptions due to maintenance, technical issues, or circumstances beyond our control.

License

Unless otherwise stated, Luminova Ventures and/or its licensors own the intellectual property rights for all material on Luminova Ventures. All intellectual property rights are reserved. You may view and/or print pages from luminova.ventures for your own personal use subject to restrictions set in these terms and conditions. You must not:

1. Republish material from luminova.ventures
2. Sell, rent or sub-license material from luminova.ventures
3. Reproduce, duplicate or copy material from luminova.ventures
4. Redistribute content from Luminova Ventures (unless content is specifically made for redistribution)
5. Share your account access with others or attempt to circumvent access controls
6. Use our content for commercial purposes without written permission

All courses, tools, and content are licensed for personal, non-commercial use only. Any unauthorized use, reproduction, or distribution is strictly prohibited and may result in legal action.

User Comments

1. This Agreement shall begin on the date hereof.
2. 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. Luminova Ventures 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, 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 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.
3. Luminova Ventures 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.
4. 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.
5. You hereby grant to Luminova Ventures a non-exclusive royalty-free license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Prohibited Activities

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

• Violating any applicable local, state, national, or international law
• Infringing on intellectual property rights of Luminova Ventures or third parties
• Transmitting any malicious code, viruses, or harmful software
• Attempting to gain unauthorized access to our systems or other users’ accounts
• Interfering with or disrupting the website’s operation
• Using automated systems (bots, scrapers) to access the website without permission
• Impersonating another person or entity
• Harassing, threatening, or abusing other users

Violation of these prohibited activities may result in immediate termination of your account and legal action.

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 information during registration
• Extended period of inactivity

Upon termination:

• Your right to access and use our services will immediately cease
• You will no longer have access to your account or any content within it
• No refunds will be provided for any unused portion of paid services unless required by law
• All provisions of these Terms which by their nature should survive termination shall survive

You may terminate your account at any time by contacting us at contact.

Hyperlinking to our Content

1. The following organizations may link to our Web site without prior written approval:
   • Government agencies;
   • Search engines;
   • News organizations;
   • Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites 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 Web site.

These organizations may link to our home page, to publications or to other Web site 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, American Automobile Association, Consumers Union;
• dot.com community sites;
• associations or other groups representing charities, including charity giving sites,
• 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 (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (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; 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.

These organizations may link to our home page, to publications or to other Web site 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.

If you are among the organizations listed in paragraph 2 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 Web site, 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 Web site 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 Web site 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’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 Web site.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, 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 Web site or any linked web site 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

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). Nothing in this disclaimer will:

1. limit or exclude our or your liability for death or personal injury resulting from negligence;
2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
4. 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. To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Trading and Financial Education Disclaimer

Luminova Ventures provides trading tools and financial education courses for informational and educational purposes only. We are not licensed financial advisors, registered investment advisors, or broker-dealers. Nothing on our website or in our courses should be considered financial, investment, trading, 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. Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance.
• 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, risk tolerance, and market conditions.
• Consult a professional. You should consult with a qualified financial advisor, accountant, or attorney before making any investment decisions.
• Compliance responsibility. You are solely responsible for complying with all applicable laws and regulations in your jurisdiction regarding trading and investments.

For U.S. Users:

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

Limitation of Liability:

Luminova Ventures, its owners, employees, and affiliates shall not be liable for any losses, damages, or expenses incurred as a result of using our trading tools, courses, or any information provided on our website. You assume full responsibility for all trading decisions and outcomes.

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:

1. Informal Resolution: We encourage you to contact us first at contact to attempt to resolve any dispute informally.
2. 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. Each party shall bear its own costs of arbitration.
3. 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.

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. Nothing in these Terms limits those statutory rights.

Severability

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

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and Luminova Ventures concerning your use of our website and services.

Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. We will notify you of any changes by posting the new Terms and Conditions on this page and updating the “Last Updated” date. You are advised to review these Terms and Conditions periodically for any changes. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

Contact Information

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

Last Updated: November 25, 2025