Use of Website

Contents are included in this Website solely for the personal use of Website users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Website without the prior written consent of Lumina Online Banking Online Bank, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property :

Except where otherwise expressly noted herein, all Contents of this Website, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of Lumina Bank.

Lumina Bank is registered UK trademarks. Lumina Bank also claims rights in certain other trademarks and service marks contained and displayed in the Sites. Use of any of Lumina Bank’s trademarks or service marks without prior written consent is strictly prohibited. Other featured words or symbols used to identify the source of goods and services may be the trademarks of their respective owners. Lumina Bank makes no claim to such marks and does not endorse, support or recommend such goods or services

"The trademarks displayed on this Website are the property of Lumina Bank. Nothing contained on this Website shall be construed as granting, by implication or otherwise, any license or right to use any trademark. Any downloading, reproduction, or use of materials from this Website or any linked website may constitute a violation of federal and other applicable trademark and copyright laws."

Use of Website

The contents of this Website are provided solely for the personal use of Website users. Except for personal use, you may not copy, modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any part of this Website’s content without the prior written consent of Lumina Bank, which may be granted or withheld at its sole discretion.

Links to Other Websites :

Lumina Bank may establish links between this Website and one or more Websites operated by third parties. Lumina Online Bank has no control over any such other Websites or the contents therein. The existence of any such links shall not constitute an endorsement by Lumina Bank of such Websites, the contents of the Websites, or the operators of the Websites.

Agreement :

This Agreement describes the terms and conditions on which Lumina Bank allows access and use of sites operated by Lumina Bank. Its parent (Lumina Bank), its subsidiaries and affiliates (collectively, “Lumina Bank”) (collectively, including any of the services made a part of or available through the Sites and any of its web pages and/or mobile applications, the “Sites”). Some of the Lumina Bank web pages and/or mobile applications on the Sites may provide services, features or offers under their own terms and conditions of use and you agree to comply with such terms of use in your use of those services. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. You may be asked to execute supplemental agreements, in paper or electronic form, before you are permitted to access or use certain features or functionality within the Sites (each, a “Supplemental Agreement”). In the case of Supplemental Agreements presented to you online, you authorize us to rely upon “checks” or “clicks” in designated locations that are attributable to your password as your consent to the terms of such Supplemental Agreements. This Agreement is in addition to any Supplemental Agreement and is not intended to supersede or modify any such Supplemental Agreement, nor is such Supplemental Agreement intended to supersede or modify this Agreement.

Limited License :

Lumina Bank grants you a personal, revocable (at any time), non-exclusive, non-transferable, non-sublicensable, limited license to access, use and display the Sites and the information, graphics, content and materials thereon (“Content”) and any software that may be necessary to use the Sites for your personal use. All right, title and interest in the Sites and the Content is our exclusive property or the property of our licensors. You have no ownership rights in the Content or Sites, which is owned by us or our licensors. The works of authorship contained in the Sites, including, but not limited to, all design, text, sound recordings and images, are owned or licensed by, except as otherwise expressly stated, Lumina Bank. You acknowledge and agree that the Sites and the Content are protected by copyrights, trademarks, service marks, and other proprietary rights and laws and are provided only for your personal, non-commercial use. You are also granted a limited license to print copies of any Content posted at the Sites, but only for your personal, non-commercial use. Except as expressly provided above, all rights are reserved. You may not copy, display, perform, distribute, license, frame, download, modify, publish, report, repost, sell, transmit, store for subsequent use, or otherwise use in whole or in part in any manner the Sites or Content without our express written permission, except to the extent permitted by the Copyright Act

Market Information :

We may make available to you through the Sites a broad range of financial information that we obtain from Third Party Providers. This may include financial market data, quotes, news, analyst opinions and research reports (collectively, “Market Information”). We do not endorse or approve the Market Information, and we make it available to you only as a convenience. We and Third Party Providers do not (a) guarantee the accuracy, timeliness, completeness or correct sequencing of the Market Information; or (b) warrant any results from your use or reliance on the Market Information. Market Information may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. Neither we nor the Third Party Providers are obligated to update any information or opinions contained in any Market Information, and we may discontinue offering Market Information at any time without notice. You agree that neither we nor the Third Party Providers will be liable in any way for the termination, interruption, delay or inaccuracy of any Market Information. You will not redistribute or facilitate the redistribution of Market Information, nor will you provide access to Market Information to anyone who is not authorized by us to receive it. If you are a securities broker, dealer, banker or investment advisor, you agree not to use the Market Information provided by us for any purpose related to your business

Links to THIRD PARTY SITES :

As convenience to you, Lumina Bank may provide links to Websites operated by entities like Cash App, BitPay and more for Crypto payment. Cash App has recently updated their terms of use. Click on I acknowledge that i taking a risk with this transaction and will not be refunded. The Linked Sites are not under the control of Lumina Bank

Submissions :

All information you submit to Lumina Bank via the Sites will be considered to be the property of Lumina Bank, and Lumina Bank is free to utilize any information you submit for any purpose. To the extent applicable law does not permit Lumina Bank to own such information, you hereby grant a perpetual, worldwide, unlimited license to Lumina Bank to use the information you submit for any purpose.

Privacy :

Use of the Sites is governed by Lumina Bank's Privacy Policy, Internet Privacy Policy and Mobile Privacy Policy. The Sites are not intended to be used by users under the age of thirteen years.

Indemnity :

You agree to indemnify and hold harmless [Lumina Bank] from any claims, losses, damages, liabilities, penalties, or expenses (including legal fees) arising from unauthorized transactions, misuse of the platform, inaccurate information provided by you, or your failure to comply with applicable laws and regulations.