Last updated: February 2026

Welcome to Lumifin ("we", "our", "us"). These Terms and Conditions ("Terms") govern your access to and use of the website www.lumifin.io (the "Website") and any products, services, features, or content provided by Lumifin.

By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Website or our services.

1. About Lumifin

Lumifin provides digital payment, financial technology, and travel-related solutions designed to make cross-border and mobile-first transactions easier, safer, and more accessible. Certain services may be provided in partnership with regulated financial institutions and third-party service providers.

2. Eligibility

You must be at least 18 years old and capable of entering into a legally binding contract to use our Website and services. By using Lumifin, you represent and warrant that you meet these requirements.

3. Use of the Website

You agree to use the Website only for lawful purposes and in accordance with these Terms. You must not:

• Use the Website in any way that violates applicable laws or regulations

• Attempt to gain unauthorized access to our systems or networks

• Disrupt, damage, or interfere with the security or functionality of the Website

• Use the Website to transmit harmful, fraudulent, or misleading content

We reserve the right to suspend or terminate access if we believe these Terms have been violated.

4. Services and Availability

The information on this Website is provided for general informational purposes only. Availability of products and services may vary by country or region and is subject to applicable laws and regulatory approvals.

We may modify, suspend, or discontinue any part of the Website or services at any time without prior notice.

5. User Information and Privacy

Your use of the Website is also governed by our Privacy Policy. By using Lumifin, you consent to the collection, use, and sharing of information as described in that policy.

You are responsible for ensuring that any information you provide to us is accurate, complete, and up to date.

6. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, designs, software, and trademarks, is the property of Lumifin or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works from any content without prior written permission from Lumifin.

7. Third-Party Links and Services

The Website may contain links to third-party websites or services. Lumifin does not control and is not responsible for the content, policies, or practices of any third-party websites.

Your use of third-party services is at your own risk and subject to their respective terms and conditions.

8. No Financial Advice

Nothing on this Website constitutes financial, legal, or investment advice. You should seek independent professional advice before making any financial decisions.

9. Disclaimers

The Website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of the Website.

To the maximum extent permitted by law, Lumifin disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the fullest extent permitted by law, Lumifin shall not be liable for any indirect, incidental, consequential, or special damages arising out of or related to your use of the Website or services.

Our total liability, if any, shall be limited to the amount paid by you (if any) for the specific service giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless Lumifin, its directors, officers, employees, and partners from any claims, damages, losses, or expenses arising from your use of the Website or violation of these Terms.

12. Termination

We may suspend or terminate your access to the Website or services at any time, without notice, if you violate these Terms or applicable laws.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Courts located in India shall have exclusive jurisdiction over any disputes.

14. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated "Last updated" date. Continued use of the Website after changes constitutes acceptance of the revised Terms.

15. Contact Us

If you have any questions about these Terms, please contact us at:

Email: info@lumifin.io
Website: www.lumifin.io

By using Lumifin, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.