1. General Provisions

1.1. These Terms & Conditions (“Agreement”) are a legally binding agreement between you (“User”) and Lumvaya (“we”, “our”, or “us”) regarding your use of our website, products, and services.

1.2. By accessing our website or purchasing our products, you agree to be bound by this Agreement, as well as our Privacy Policy.

1.3. Lumvaya provides digital financial education products in the form of structured ebooks delivered via email over a defined program period.

1.4. We reserve the right to update or modify this Agreement at any time. Changes will take effect upon publication.

2. Information About the Service

2.1. Lumvaya offers a structured financial learning program consisting of digital ebooks.

2.2. Upon successful purchase, the User will receive access to a 30-day ebook program, where:

• One ebook is delivered per day

• Delivery is sent via email

• Total duration is 30 days

2.3. The content is designed for self-learning and personal financial improvement.

3. User Requirements

3.1. You must be at least 18 years old or have legal permission to enter into this Agreement.

3.2. You agree to provide accurate information, especially your email address, to ensure proper delivery of the ebooks.

3.3. You are responsible for maintaining access to your email and ensuring it can receive our content.

4. Purchase and Payment

4.1. The User makes a one-time payment to access the 30-day ebook program.

4.2. This is not a recurring subscription. There are no automatic renewals.

4.3. Payments are processed securely through third-party payment gateways.

4.4. Lumvaya does not store full credit card or sensitive payment details.

4.5. Prices and offers may change at any time, but changes will not affect completed purchases.

5. Content Delivery

5.1. After successful payment:

• The ebook program begins

• The first email may be sent immediately or shortly after purchase

5.2. Users will receive:

• One ebook per day

• For a total of 30 days

5.3. Delivery depends on:

• Correct email input

• Email service reliability

• User inbox/spam settings

5.4. Lumvaya is not responsible for missed emails due to:

• Incorrect email address

• Spam filtering

• User-side technical issues

However, users may contact support for assistance.

6. Refund Policy

6.1. Due to the nature of digital products, all sales are generally final.

6.2. Refund requests may be considered under limited conditions, such as:

• Failure to deliver the product

• Technical issues caused by our system

6.3. Refund requests must be submitted within a reasonable time after purchase.

6.4. Once ebook delivery has started, the User acknowledges that digital content is being consumed, which may limit eligibility for refunds depending on applicable laws.

7. No Financial Advice Disclaimer

7.1. All content provided by Lumvaya is for educational purposes only.

7.2. We do not provide financial, investment, legal, or professional advice.

7.3. We do not guarantee:

• Financial results

• Income growth

• Investment outcomes

7.4. Any decisions made based on our content are the sole responsibility of the User.

8. User Rights and Restrictions

8.1. The User is granted a limited, non-transferable, non-exclusive license to access the ebooks for personal use.

8.2. The User agrees not to:

• Share, distribute, or resell the ebooks

• Copy or reproduce content for commercial purposes

• Provide access to third parties

8.3. Violation of these terms may result in termination of access without refund.

9. Intellectual Property

9.1. All content, including ebooks, materials, branding, and design, is the property of Lumvaya.

9.2. Unauthorized use, copying, or distribution is strictly prohibited.

10. Limitation of Liability

10.1. The Service is provided “as is” without warranties of any kind.

10.2. Lumvaya is not liable for:

• Financial losses

• Indirect or consequential damages

• Decisions made based on the content

10.3. Results may vary depending on the User’s actions and consistency.

11. Data Protection

11.1. We collect and process personal data in accordance with our Privacy Policy.

11.2. By using our Service, you consent to such data processing.

12. Governing Law

12.1. This Agreement shall be governed by applicable laws in the jurisdiction of operation, unless otherwise required by consumer protection laws.

12.2. Any disputes shall be resolved through good faith negotiation first.

13. Changes to the Service

13.1. Lumvaya reserves the right to:

• Modify content

• Improve delivery systems

• Update program structure

13.2. Changes will not affect already purchased access unless necessary for service improvement.

14. Contact Us

If you have any questions or need support, you can contact us at:

Email: info@lumvaya.com