Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing, or using any part of the Service, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. Lumworth Advisors reserves the right to update or modify these Terms at any time, and continued use of the Service after such changes constitutes acceptance of the revised Terms.

2. Description of Service

Lumworth Advisors provides data analysis tools, predictive insights, and automated decision-support features intended to help users structure long-term contribution and investment strategies. The Service is informational and analytical in nature. Lumworth Advisors does not execute trades, manage funds on behalf of users, or act as a custodian of any assets.

3. No Financial Advice

4. Eligibility and Account Responsibility

You must be of legal age in your jurisdiction to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Lumworth Advisors is not liable for any loss arising from unauthorized use of your account resulting from your failure to safeguard your login information.

5. Acceptable Use

When using the Service, you agree not to:

• Attempt to reverse-engineer, copy, or resell any part of the platform or its underlying models;
• Use the Service for any unlawful, fraudulent, or unauthorized purpose;
• Interfere with the security, integrity, or availability of the Service;
• Submit false or misleading information when creating or using an account.

6. Subscription, Fees, and Payment

Certain features of the Service may require payment of fees. Where applicable, pricing, billing cycles, and cancellation terms will be presented at the point of purchase or subscription. Lumworth Advisors reserves the right to modify pricing with reasonable advance notice. Fees are generally non-refundable except where required by applicable law.

7. Intellectual Property

All content, software, algorithms, designs, trademarks, and materials associated with the Service are the property of Lumworth Advisors or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for your personal or internal purposes only.

8. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Lumworth Advisors does not guarantee that the Service will be uninterrupted, error-free, or that any analysis or prediction will be accurate or achieve any particular outcome.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Lumworth Advisors, its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or financial loss, arising out of or related to your use of or inability to use the Service, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Lumworth Advisors and its representatives from any claims, damages, liabilities, and expenses arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

11. Termination

Lumworth Advisors reserves the right to suspend or terminate your access to the Service at its discretion, with or without notice, if it reasonably believes you have violated these Terms or engaged in conduct harmful to the Service, other users, or Lumworth Advisors itself. You may terminate your account at any time by discontinuing use of the Service and, where applicable, cancelling any active subscription.

12. Third-Party Links and Services

The Service may contain links to third-party websites or integrate with third-party services. Lumworth Advisors does not control and is not responsible for the content, accuracy, or practices of any third-party resource, and inclusion of such links does not imply endorsement.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Lumworth Advisors operates, without regard to conflict of law principles. [Insert jurisdiction-specific details as required.]

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable.

15. Changes to These Terms

Lumworth Advisors may revise these Terms periodically to reflect changes in the Service, legal requirements, or business practices. Material changes will be indicated by updating the "Last updated" date above. Your continued use of the Service following any update constitutes your acceptance of the revised Terms.

16. Contact

If you have questions regarding these Terms, please reach out via the contact details provided on our Contact page.