Terms and Conditions for Lummo

Last Updated: November 12, 2025

Welcome to Lummo. These Terms of Service ("Terms") govern your use of the Lummo website at www.getlummo.com and our investment app (collectively, the "Service"). The Service is operated by Cowlabs Ltd ("Lummo", "we", "us", or "our").
By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

1. Description of Service
Lummo is an investment app for families to save money for their kids.

2. Eligibility
You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you meet this age requirement.

3. Account Registration
To use certain features of our Service, you may be required to create an account. You agree to:

Provide accurate and complete information
Maintain the security of your account credentials
Notify us immediately of any unauthorized use of your account

4. Subscription and Payment
Our Service operates on a subscription basis. By subscribing, you agree to pay the fees as described on our website. Payment information will be collected and processed as described in our Privacy Policy.

5. Refund Policy
You may request a full refund within 3 days of your initial subscription purchase. To request please cancel your trial.

6. Ownership

The Lummo Service, including all content, features, and functionality, is owned by Cowlabs Ltd
You retain ownership of your investments made through the Service
All intellectual property rights in the Service remain with Cowlabs Ltd

7. User Conduct
You agree not to:

Use the Service for any illegal purpose
Attempt to gain unauthorized access to the Service
Interfere with or disrupt the Service
Transmit any viruses or malicious code

8. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

9. Investment Risks
Investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Lummo does not provide financial advice. You are solely responsible for your investment decisions.

10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COWLABS LTD SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE.

11. Privacy Policy
Your use of the Service is also governed by our Privacy Policy, available at https://www.getlummo.com/privacy-policy. Please review our Privacy Policy to understand our data practices.

12. Termination
We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice.

13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of London, United Kingdom.

14. Changes to Terms
We may update these Terms from time to time. When we make changes, we will notify you by email. Your continued use of the Service after such notification constitutes your acceptance of the updated Terms.

15. Contact Us
If you have any questions about these Terms, please contact us at:
Email: hello@cowlabs.xyz
Website: www.getlummo.com