Terms of Service

1. Acceptance of Terms

By accessing and using Lumina Technologies' platforms and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Use of Services

Our platforms are designed to facilitate insurance, lending, and marketplace transactions. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Use our services in compliance with applicable laws
• Not engage in fraudulent or unauthorized activities

3. Financial Products

Insurance and financial products offered through our platforms are subject to approval and underwriting by licensed financial institutions. Terms, conditions, and availability may vary based on eligibility criteria.

4. Intellectual Property

All content, software, and technology provided through our platforms are the property of Lumina Technologies and protected by intellectual property laws. Unauthorized use, reproduction, or distribution is prohibited.

5. Limitation of Liability

Lumina Technologies provides technology platforms and is not directly liable for financial products underwritten by partner institutions. We strive to maintain service availability but do not guarantee uninterrupted access.

6. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the updated terms.

7. Contact Information

For questions about these Terms of Service, please contact us through our website or email us at info.desk@luminatech.ai

Phone: +251 912 611 477