Terms of Use

1. Use of the website and services

You may use this website to learn about the platform, register an interest in opening an account, and access informational materials. An account created through the site is a preliminary step: it reserves your registration and starts the onboarding conversation with a personal manager, but no trading relationship exists until you have been verified, the applicable terms of the executing entity have been accepted, and funds have been deposited.

You agree to use the services only for lawful purposes, to provide accurate information about yourself, and to keep your credentials confidential. The services are offered to individuals aged eighteen or over who are not restricted by any applicable law or sanction from using financial services of this kind.

2. Restrictions

The following are outside the scope of what we permit. The platform may be used only through its official interfaces; automated access, scraping, spidering or data mining of the site without written permission is not allowed. You may not resell, sublicense or commercially exploit access to the platform without a written agreement. You may not probe or test the vulnerability of the site or its infrastructure, breach any security or authentication measure, or interfere with services provided to other users. Circumventing rate limits or geographical restrictions is likewise prohibited.

We may suspend or terminate access where these restrictions are breached, and where money is involved, apply the procedures described in the AML and KYC policy.

3. Marketing materials and information mailings

By registering you consent to receive service communications: account notifications, security alerts and messages from your personal manager. These are not marketing and cannot be switched off, because they protect your account.

Separately, you may choose to receive marketing messages, such as market commentary or product updates. That choice is yours, can be withdrawn at any time through the unsubscribe link in every message or by writing to [email protected], and withdrawing it never affects service messages or your use of the platform. Educational and analytical materials on the site are informational only and do not constitute investment advice or an invitation to buy or sell any asset.

4. Intellectual property

The Luminvestry name, logo, website design, text, graphics, interfaces and code are owned by us or licensed to us and are protected by intellectual property law. You may view and print pages for personal, non-commercial use, provided the materials remain unaltered and carry their original attribution. No right, title or interest transfers to you beyond this limited permission.

Third-party names and marks that appear on the site, including exchange names shown for information, remain the property of their respective owners, and their appearance is not sponsorship or affiliation unless stated.

5. Confidentiality

Your personal data is treated as confidential and handled according to the Privacy Policy, which describes what is collected, the purposes, the legal bases, retention and your rights. Equally, information you learn about our methods, systems or commercial arrangements through your use of the services is confidential to us; you may not disclose it to third parties or use it competitively. These obligations survive the end of your use of the services.

6. Links to third-party sites

The site may reference or link to third-party websites for convenience or information. We do not control those sites, are not responsible for their content, security or practices, and a link is never an endorsement. Where the platform connects operationally to a third party, such as an exchange or payment provider, that relationship is governed by the terms you hold with them, and their rules apply to the part of the service they provide.

7. Prohibited use

You must not use the site or services: in violation of any applicable law or regulation, including sanctions and export controls; to launder proceeds of crime or finance terrorism, or to attempt either; to infringe the intellectual property or privacy rights of others; to distribute spam, malware or destructive code; to attack the site's infrastructure through denial of service, intrusion attempts or interference of any kind; to impersonate another person or misrepresent your affiliation; or to assist any third party in doing these things.

Suspected prohibited use may result in immediate suspension, reporting to the competent authorities where the law requires, and closure of the account under the applicable procedures.

8. Support

Support is available by email at [email protected] during the hours published on the contact page, and through your personal manager once onboarding has begun. We aim to answer first messages within one working hour during support hours and to resolve routine matters within one business day. Formal complaints follow the complaints procedure with its own timelines.

9. Disclaimer of warranties

The website and its content are provided on an "as is" and "as available" basis. While we take care over accuracy, we do not warrant that the site will be uninterrupted, timely, secure or error free, nor that the information, analytics and materials on it are complete, accurate or fit for any particular purpose. Market data can be delayed or imperfect, and nothing on the site is a recommendation, advice or a promise of investment results. Trading involves risk, including loss of capital, and past performance does not indicate future results.

This clause does not limit any liability that cannot lawfully be limited, including statutory rights you have as a consumer.

10. Limitation of liability

To the maximum extent permitted by law, our aggregate liability for claims connected with the website and the informational services is limited to the greater of the amount you have paid to the platform in the twelve months before the claim or one hundred pounds. We are not liable for indirect or consequential losses, loss of profit, loss of trading opportunity or loss of data arising from the use or inability to use the site, save where such limitation is not permitted by law, including in cases of fraud, wilful misconduct, death or personal injury caused by negligence.

Nothing in these terms affects the liability of the executing entity with whom transactions are concluded, which is governed by the terms you accept with that entity during onboarding.

11. Indemnity

You agree to indemnify and hold us harmless from claims, losses, liabilities and reasonable costs, including legal fees, arising from your breach of these terms, your violation of any law or third-party right, or your misuse of the website or services. This obligation does not apply to the extent a matter arises from our own breach or negligence.

Other provisions

If any provision of these terms is found unenforceable, the remainder continues in force, and the unenforceable provision is replaced by an enforceable one closest to the original intent. Our failure to enforce a right is not a waiver of it. You may not assign your rights under these terms without our written consent; we may assign ours as part of a reorganisation or transfer of business. These terms are governed by the laws applicable in the United Kingdom, and the courts of England and Wales have non-exclusive jurisdiction over disputes, without prejudice to your right to bring proceedings where you live if consumer law gives you that right.

These terms may change as the services evolve. Updated terms are published on this page and take effect from publication; material changes are announced in the platform and by email to active users. The version in force when you first registered is available on request, and continued use after changes take effect constitutes acceptance of them.