Terms of Service

 Read our terms to understand your rights and obligations when accessing our services.

Welcome to Luminous! By accessing or using our platform, you agree to be bound by the following terms and conditions. Please read these terms carefully. If you do not agree with any part of these terms, you may not access or use our
services.

1. Acceptance of Terms

By using Luminous (the "Service"), you (the "User") agree to these Terms and Conditions ("Terms") set forth by Optima. These Terms govern your use of the website, mobile application, and all services provided by authority of Optima.

2. Eligibility

You must be at least 18 years old to use our platform. By agreeing to these Terms, you represent that you are of legal age and capable of entering into a legally binding agreement.

3. Account Registration

To access certain features, you must create an account. You agree to:

Conditions:
  • Provide accurate, current, and complete information during the registration process.
  • Maintain the security of your password and account.
  • Notify us immediately of any unauthorized use of your account or security breach.
4. Service Description

Finstar provides users with tools to manage their personal and business finances, including, but not limited to, income and expense tracking, bill pay, financial reports, budget planning, savings, and remittance.

Our services are provided "as-is," and we make no guarantees as to the accuracy, completeness, or suitability of any data generated by our platform.

5. Subscription and Payment

To access certain features, you must create an account. You agree to:

a. Subscription Plans

We offer different subscription plans with varying levels of access and features. Your subscription begins when you create an account and select a payment plan. You can view details and pricing for all subscription options [here].

b. Billing

Payments are processed automatically on a [monthly/annual] basis according to your selected plan. You are responsible for keeping your payment details current and ensuring that sufficient funds are available to cover your subscription fees.

c. Refunds

Refunds will be considered on a case-by-case basis, but we generally do not offer refunds for partially used subscription periods. Please contact our support team for more information on our refund policy.

6. Free Trials

We may offer a free trial of certain features or subscription plans for a limited time. At the end of the trial period, you will be automatically charged for the applicable plan unless you cancel before the trial ends. You will be notified of the terms of the trial upon sign-up.