Terms of Service
These terms explain how you may use Lumina Learn and purchase access to recorded courses.
1. Who operates the service
Lumina Learn is operated by Lumina Learn Inc., registered at [Registered company address]. Contact support@luminalearn.co about these terms, course access, or purchases. The registered address is pending completion before commercial launch.
2. Acceptance and eligibility
By using the service or completing a purchase, you agree to these terms and the policies linked here. You must be legally able to enter a contract where you live. If you use the service on behalf of an organization, you confirm that you have authority to do so. Minors may use paid services only with the involvement and permission of a parent or legal guardian where permitted.
3. Accounts and security
When accounts become available, provide accurate information, keep login credentials confidential, and notify us of suspected unauthorized use. Each account is for one learner unless a written business agreement says otherwise. You are responsible for activity you authorize and must not share access with others. Account registration and learner playback are not enabled in the current catalog preview.
4. Course purchases and pricing
Prices are listed in USD and are one-time charges for the selected course. Applicable taxes, if any, are shown before payment. Your payment provider or bank may charge separate conversion fees. Checkout is processed through Stripe when connected; we do not ask you to email full payment-card details. A purchase is confirmed by an order receipt. The preview catalog does not accept payment or create an enrollment.
5. Access forever
A completed purchase grants a personal, non-exclusive, non-transferable license to access the purchased course with no scheduled expiry and no recurring course fee. Access depends on the continued operation of the service and your compliance with these terms. We may update course materials without removing the main subject of your purchase. If we must permanently discontinue paid access, we will provide reasonable notice and seek to offer continued access, downloadable materials where rights permit, or an appropriate refund or other remedy. These provisions do not limit rights that cannot legally be excluded.
6. Educational purpose and certificates
Courses are educational resources. We do not promise employment, income, examination success, professional certification, or a particular personal outcome. Completion certificates are not accredited degrees or licenses. Financial and wellbeing material is general education and does not replace advice tailored to your circumstances by a suitably qualified professional.
7. Permitted use and intellectual property
Course videos, resources, text, illustrations, and platform materials are owned by their respective rights holders. You may use provided resources for personal learning as permitted by the course. Do not resell, redistribute, publicly share, record, scrape, or sublicense course materials without permission. Do not attempt to bypass access controls, interfere with the service, or upload unlawful or infringing material.
8. Refunds and cancellation
You may request an unconditional full refund within 30 days of purchase. No reason is required, and there is no viewing limit. Contact support with your order details. Refunded access ends when the refund is processed. Purchases are not subscriptions and do not renew automatically. The Refund & Cancellation Policy explains the process.
9. Instructors and business arrangements
Instructor publication is subject to a separate written agreement and content review. The stated instructor revenue share is 80%, with the remaining 20% retained by the platform; the agreement explains revenue calculation, refunds, taxes, processing adjustments, and payout timing. Team arrangements and any additional services must be confirmed in writing.
10. Availability and responsible service
We aim to maintain reliable access, but maintenance, connectivity issues, and events outside our reasonable control may interrupt service. We will take reasonable steps to investigate reported faults. To the extent permitted by applicable law, we do not accept responsibility for indirect losses or outcomes based on your use of educational material. Nothing in these terms excludes liability or consumer rights that cannot lawfully be excluded.
11. Suspension and ending access
We may restrict access where reasonably necessary to address fraud, a serious security concern, unlawful activity, or a material breach of these terms. Where appropriate, we will explain the issue and give an opportunity to resolve it. A restriction must not be used to deny an otherwise valid refund or mandatory consumer remedy. You may ask to close your account through support.
12. Changes and disputes
We may update these terms and will identify the current effective date. Material changes affecting existing paid access will be communicated through available contact channels and will not retroactively remove accrued rights. Contact support first so we can try to resolve a concern. Applicable mandatory consumer protections and lawful dispute rights remain available. No specific governing jurisdiction is designated until the company registration details are finalized.
Contact: support@luminalearn.co