Last Updated: January 15, 2025

These terms and conditions apply to our direct Customers ( “Buyers”). Separate terms and conditions apply to the Vendors of our Buyers whom we pay at the direction of the Buyer. These terms and conditions are incorporated in our customer or Master Services Agreement with you the Buyer. We will notify you of changes to these terms and conditions and any such changes will only become effective the earlier of your acknowledgement and agreement with the amendment of these terms or 30 days following our notice to you of the change where you do not terminate the agreement between us within said thirty (30) day period as a result of the proposed change to these terms.

Our clients are referred to herein as “Buyers” or “you,” “yours,” “yourself” and the persons or entities we are paying at the request and direction of our Buyers are referred to as the “Vendors.”  

These Terms and Conditions ("Terms") are a legally binding contract and govern your access to, and use of, the sites, applications, tools and services, including, but not limited to, Lumanu.com, creators.lumanu.com or app.lumanu.com (collectively "Services") offered by LUMANU, INC, a Delaware corporation (“Lumanu”, “we”, "us" or “our”). By continuing on any of our websites and/or Services, you agree to be bound by these terms and conditions. Please read the following carefully.

These Terms provide important information, our limitation of liability, your waiver of any right to participate in a class action, and your agreement to resolve any disputes between you and Lumanu by binding arbitration. By using the Services, you agree to be bound by these Terms. It is important that you carefully read and understand these Terms. If you do not agree to these Terms, you should not use the Services.
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Using Lumanu's Services: We provide you with a variety of materials and capabilities through Lumanu’s payment platform. In connection with your use of the Services, you may receive communications from us, such as service updates, news and announcements, administrative messages, and other communications related to your use of our services. These communications are considered part of the use of the Services, and you will not be able to opt out of receiving them. You also will automatically be subscribed to our mailing lists and newsletters. You can choose to unsubscribe from receiving these emails. 

Additional Policies: When using particular Services, you are subject to any applicable guidelines, rules and/or additional terms and conditions that may be posted on www.lumanu.com from time to time. These include those terms and policies of our third-party service providers (suppliers we use to assist in the delivery of our services and integration of our service with our financial providers). All such additional terms are hereby incorporated by reference into these Terms. To the extent of any inconsistency between any provision of these Terms and any additional terms, the provision(s) of the applicable additional policy shall control. 

Customer On Boarding: To use our services, you first will provide us with a valid e-mail address, taxpayer identification number, your address, and for non-public companies, beneficial ownership information, to permit us to on board you to permit you to use our services. You promise that any registration information you give to us will always be accurate, correct, and maintained on an up-to-date basis. 

You authorize Lumanu, directly or through its third-party service providers, to make any inquiries we consider necessary to verify your or your  identity or that of Vendor(s). This may include asking you or Vendor(s) for further information, requiring you to take steps to confirm ownership of your email address, financial instruments, or information associated with your business or the information you provide concerning Vendor(s), and verifying your Personal Information and your business’ information and that of Vendor(s) against third party databases or through other sources. If Lumanu cannot verify your or your business’ identity or Vendor’s identity, Lumanu reserves the right to deny you the use of the Services or to limit your use of your Workspace(s).

Workspace Creation. After we collect On Boarding information and sign you up as our customer, we create what we call one or more “Workspace(s) for you to deploy and use our services. A “workspace” permits you to add authorized users and administer payments to Vendors and set various levels of permissions for those in your organization you are permitting to set up, approve and release funds to Vendors. You will select and define the permissions for each user you authorize to act on your behalf. You are solely responsible for the security of all passwords and access and use of the system and for all payments you set up and authorize and cause to be released to Vendor(s). Use by anyone under the age of 18 is prohibited.

Lumanu is not liable for any loss or damages caused by your failure to maintain the confidentiality of your user identification(s) and passwords. If you become aware of any unauthorized use of your password or of your account, you promise to notify us immediately and take reasonable steps to prevent such misuse.

Other than Lumanu as stated in these Terms, the account owner (“Buyer”) is the only person who can cancel an account. You are solely responsible for providing a written communication to cancel your account. Once your account is canceled, all your account information will be permanently deleted. You will not be charged again after your official cancellation date with the exception of outstanding payments owed or charges already incurred, or which originate from Services rendered prior to the date of termination.

Your Privacy: You acknowledge and agree that any personal information that you provide or that we collect in connection with the Services will be treated in the manner described in our Privacy Policy (incorporated herein), which can be found at https://www.lumanu.com/privacy-policy as well as any privacy or other policy of any service provider who assists us in the delivery of our services to you. 

Payment Information Regarding Our Fees: For access to and use of the services, you will pay us either by credit card or through electric funds transfers unless we otherwise agree in writing. A valid debit card, credit card, or bank account information may be required to use some of our Services. If you connect your debit card, or credit card, to our platform to permit you to use our services, you understand and agree that we may use this information to bill you for the Services, . Alternate payment methods such as invoicing may be accepted for enterprise (“Enterprise”) clients if Lumanu agrees to such payment method in a separate written agreement (e.g., on the applicable Enterprise order form). To the extent permitted by applicable law and subject to our Privacy Policy, you acknowledge and agree that we may use certain third-party payment processors (our “third party service providers”) for the delivery of our services.

By providing your debit card, credit card, or bank account information, and any other information you provide to us, you represent, warrant and covenant that: (i) you are legally authorized to provide such information, (ii) you are legally authorized to approve transactions with respect to such debit card, credit card, or bank account, (iii) such actions do not violate the terms and conditions applicable to your use of such debit card, credit card or bank account or applicable law and (iv) all data provided is accurate. 

Funding and Paying Vendor(s): By entering into an agreement with Lumanu you authorize Lumanu to make payments to Vendor(s) using our Services to permit Vendor(s) to accept payment. By opting to use Lumanu’s payment solution through the Services (the “Payments Services”), Lumanu will invoice and receive funds from you in advance to be used to pay Vendor and Lumanu will receive such payments as agent of the payee. You, the Buyer, control when payments are made, the amounts to be paid and when they are authorized to be released. Lumanu has no responsibility for errors you or your users make when setting up, authorizing payments and their release to any Vendor(s) you make payment to. Funds we release to Vendor or any payee we release funds to, are not refundable in the event you dispute any charge, institute any stop-order, chargeback, claw back, reversal or similar action to stop or reclaim funds, or make any claim of improper payment, based on any failure by a Vendor to deliver goods or services at all or in a satisfactory and/or timely manner. You acknowledge and agree that your use of the Services does not in any way constitute a tri-party agreement between you, Lumanu, and the Vendor.

You agree that once you authorize release of the funds to be paid to the Vendor, the goods or services provided by the Vendor (1) have been received or rendered; (2) were as described in the applicable invoice; and (3) are satisfactory. You agree that you will not dispute any charge, institute any stop-order, chargeback, claw back, reversal or similar action to stop or reclaim funds, or make any claim of improper payment, based on any failure by a Vendor to deliver goods or services at all or in a satisfactory and/or timely manner. For clarity, you hereby forfeit any future claims as between you and Lumanu regarding insufficient or unexpected quality or untimely delivery of the goods and services provided, including those Services rendered by Lumanu, upon entering a transaction that creates a Charge.

In the event that you as payor initiate a chargeback,  claw back, stop-payment or ACH return for a payment that you authorized and has already been transmitted to the  Vendor, you agree to assign to Lumanu any claims against the Vendor associated with such chargeback,  claw back, stop-payment or ACH return. You further agree that we may contact the Vendor directly to request reimbursement for any mistaken payment that you authorized, and which has been transmitted to the Vendor and for which you have requested a return. We have no obligation to institute legal action or incur costs of collection on your behalf where you dispute a payment you have authorized, and such payment is made. Any efforts on your behalf by us are voluntary by us and we have no duty to retrieve funds you paid which were paid in error.

Lumanu does not have responsibility nor will have liability for any consequences resulting from your interactions or contracts with Vendors, including but not limited to payment terms, the proper and timely delivery of goods or services, and any associated disputes which may arise. You further acknowledge that your use of Lumanu Services does not alter or affect any Vendor payment terms including but not limited to deadlines, payment plans, late fees, and refunds. You will be solely responsible for scheduling payments in such a way that allows sufficient time for the payment to be delivered on or prior to the invoiced amount(s)’ due date. Lumanu does not endorse, recommend, or bear any responsibility or liability for any products, services or statements presented by any Vendor(s).

We reserve the rights to accept or refuse any potential client. We have the sole and absolute discretion to decide whether to allow you to register, renew, change plans, or use our Services, subject to applicable law. In addition, we reserve the right to terminate our relationship with you for any reason as stated herein. When a Buyer or vendor issue arises, we may consider the user's performance history and the specific circumstances in applying our policies. 

Instant Pay Terms for Vendors: By utilizing the Instant Pay feature ("Instant Pay") provided by Lumanu, you agree and understand that Vendors agree to the following terms and conditions: Payment and Discount fee: Upon approval and processing of Instant Pay, the Vendor will receive the full amount of payment as determined by the agreement between the Vendor and you. Concurrently, the agreed upon discount fee for the Instant Pay service will be deducted from the Vendor's account. Both the payment and the fee deduction will be clearly displayed in the Vendor's account summary immediately after the transaction is processed. You agree and understand that with respect to Vendors, the fees associated with Instant Pay will be clearly displayed to the Vendor at the time of accepting the Instant Pay feature. Once the Vendor accepts these terms and the transaction is processed, the transaction is deemed final and irreversible.

Right to Investigate: Lumanu reserves the right to request additional information from you or the Vendor and to investigate any Instant Pay transactions that are deemed suspicious by Lumanu in its sole discretion. Acceptance of Instant Pay by the Vendor does not guarantee the unconditional receipt of funds. Lumanu may, at its discretion, delay or withhold payments if any transaction is suspected of fraud, breach of the agreed terms between Vendor and you, or violation of any applicable laws or regulations. By accepting Instant Pay, the vendor acknowledges and agrees to these terms. 

Verification and Review of Charges: At any time, pre- or post-submission in our system of payout, your payment may be subject to review, which serves to better understand the nature of and reason for your payment. During this review process and for any reason, Lumanu or its bank(s) and third-party service providers may place a temporary hold on the delivery of your payment for as long as reasonably required to conduct an appropriate inquiry regarding you, the Vendor, your business, a Charge, payment history, and other relevant circumstances and factors. If for any reason Lumanu deems any Charges as suspicious or fraudulent, you consent to Lumanu, and its third-party service providers may verify the validity of the applicable payout, and you agree to reasonably cooperate and to provide additional information to Lumanu in order to verify such payout. We have no duty to review charges or payments.

Lumanu may instruct its bank(s), or its bank(s) and third-party service providers may act, to clear the payment, reverse the payment, or hold the payment pending instructions from a government agency. Lumanu also reserves the right to cancel any payment. In such cases and as permitted by applicable law, your funds (minus fees) will be returned to you via the original payment method, or if necessary via other means.

Restricted Activities: You agree not to use the Services for the following purposes:
- for alimony or to escrow accounts
- as a donation to an organization not classified as a registered charity
- other than for legitimate payment purposes (e.g., to test or probe card behaviors). 
For unsupported goods and services, including
- gambling and related activity (such as lotteries, bidding fee auctions, sports forecasting or odds making, fantasy sports leagues, internet gaming, contests, sweepstakes, and games of chance);
- unsupported debt types (such as credit card balances, uncollateralized loans, auto title loans);
- payment for debt that has been charged off as uncollectible; providing credit or loans, including payday loans
- illegal drugs (real or synthetic);
- controlled substances and related goods or services;
- psychics and fortunetellers;
- sale and exchange of currency, including digital and cryptocurrencies;
- multi-level marketing or pyramid schemes;
- software or other technology developed to weaken industry security controls such as malware, spyware, viruses, back-doors ,drop dead devices or other similar program installation;
- certain investment accounts or to fund unsupported investments, including but not limited to 401(k) accounts, 403(b) plans, 457 plans, 529 plans, and IRAs;
- tobacco, e-cigarettes, and e-liquid;
- pharmaceuticals and related goods or services;
- healthcare, medical services or procedures;
- pornography, obscene materials, and sexually-related or “adult” services;
- weapons (including without limitation, knives, guns, gunpowder or ammunition), fireworks, and other explosives;
- gold, diamonds, precious metals and related goods or services;
- toxic, flammable, and radioactive materials; or
- other goods and services subject to government regulation.
In violation or potential violation of applicable law, regulation, rule, or legal interest, including
- sending or receiving potentially fraudulent funds;
- in the course of any activity regulated by the Financial Crimes Enforcement Network (FinCEN) or any other relevant regulatory body;
- infringement or potential infringement of any party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
- acting in a manner that could be defamatory, trade libelous, threatening or harassing;
- using your Account or the Services in violation of applicable payment network rules.
In a manner detrimental to our provision of the Services, including:
- the provision of outdated, false, inaccurate, or incomplete information;
- using any promotional or referral programs in a manner deemed abusive or against the intention of said programs;
- maintaining or using multiple Accounts, and/or allowing other individuals to access or use your Account, in any case to circumvent, undermine, or act contrary to the intent or spirit of Lumanu or legal restrictions;
- using an anonymizing proxy;
- using the Services in a manner that results in or may result in complaints, disputes, claims, chargebacks, stop-payments, fees, fines, penalties and other liability to Lumanu, a third party, or you;
- imposing unreasonable demands on our technical or personnel resources, regardless of intent;
- facilitating viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Information;
- using any robot, spider, other automatic device, or manual process to access, monitor or copy our website without our prior written permission;
- using any device, software or routine to bypass any robot exclusion headers, or interfere or attempt to interfere, with our website or the Services;
- taking any action that may cause us to lose any of the services provided by to us by third parties, payment processors, or other suppliers;
- reselling, re-skinning, or otherwise distributing our Services;
- breaching this Agreement or any other agreement or policy that you have agreed to with Lumanu.
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If you have a payment use case which is not explicitly mentioned above, and for which you would like to confirm support, please check with us by emailing payments@lumanu.com

If we have reason to believe that you have engaged in any Restricted Activities or that you have used our Services inappropriately, Lumanu or its bank(s) and or third party service providers (to the extent applicable) reserve the right to, in its/their sole discretion and at any time, take any or all of the following actions:
- Close, suspend, or limit your access to your Account or the Services;
- Hold, return, or reclaim funds; Update inaccurate information you provided to Lumanu or its bank(s)/third party service providers;
- Refuse to provide Services to you or related parties in the future;
- Contact your bank or notify Vendor , law enforcement, or impacted third parties of your actions;
- Take legal action against you.

You agree not to resell, duplicate, reproduce, or exploit any part of the Services without the explicit written permission of Lumanu. 

You may not use the Services to transmit any viruses, worms, or malicious content or in furtherance of any illegal activity.

Restrictions on Method of Access: You promise not to access (or attempt to access) any of the Services by any means other than through the interface(s) that are provided by us and not in a manner that exceeds your authorization regarding such interface(s). Without limiting the generality of the foregoing, you specifically promise not to access (or attempt to access) any of the Services through any automated means (including use of scripts or crawlers) other than customary indexing of content by search engines. Similarly, you promise that you will not provide any third-party access to material on the Services (or facilitate their attempt to access) by any means other than through the interface that is provided by us. 

Collection of Funds Owed: In the event that you are liable for any amounts owed to Lumanu you authorize Lumanu  to collect such amounts from any payment method provided by you or from any funds  on file with Lumanu including the right to remove funds from moneys you have funded to pay Vendors. If you do not have sufficient funds available to fulfill such payment, Lumanu  may engage in collection efforts and/or other legal actions to recover such amounts from you. Lumanu will not be liable to you or the Vendor where Lumanu applies your funds to pay fees you owe Lumanu.

Taxes: You are responsible for all, if any, applicable taxes arising from your use of the Services. SaaS and Add-on Service Billing Unless otherwise agreed in your order form, you will be billed as called for in your order form. If you wish to cancel, you may do so by providing 30 days advance written notice. You are solely responsible for the charges already incurred or which originate from Services rendered prior to termination. Certain fees accrue per-transaction or by a method other than monthly subscription; for those fees, Lumanu will track such transactions, charge them to the payment method on file and invoice for such charges every 30 days. Any taxes imposed upon us by statute will be our responsibility. Any taxes imposed by statute on you will be your responsibility. 

Third Party Sites/Services: The Services include links to third party service providers and to other websites or services (including, but not limited to payment providers, social networks advertisements and payment providers) solely as a convenience to you or Vendors (“Linked Sites”). The inclusion of any Linked Site does not imply endorsement by Lumanu of any third party, third-party websites, or any association with the operators of such Linked Sites. You are responsible for viewing and abiding by the privacy statements and User Agreement/Terms posted by any such third party or Linked Sites.

Copyright and Ownership Policy and Intellectual Property: Lumanu or its suppliers/third party service providers own the intellectual property rights to any and all protectable components of the Services, including but not limited to the name of the Services, artwork and end-user interface elements contained within the Services, many of the individual features, and the related documentation. You may not copy, modify, adapt, reproduce, distribute, reverse engineer, decompile, or disassemble any aspect of the Services which Lumanu or its suppliers own. We respect the intellectual property rights of others and expect users of the Services to do the same. We will respond to notices of alleged intellectual property infringement, including but not limited to copyright infringement, which comply with applicable law and are properly provided to us. If you believe that your content has been copied in a way that constitutes copyright infringement, please submit a claim by e-mailing us or by writing to us at the contact information provided below. 

Security: We promise to take commercially reasonable steps to limit the scope of and secure information (including hashing and/or never storing your sensitive data) you provide consistent with this agreement and applicable law. The methods for securing such information may differ based on the particular requirements of the applicable third-party service providers account provider and the manner in which such accounts interface with our Services. We care about the security of our users. While we work to protect the security of your content and account, we cannot guarantee that unauthorized third parties will not be able to defeat our security measures. Please notify us immediately of any compromise or unauthorized use of your account. In no event is Lumanu responsible for security lapses in your organization or involving your users or your passwords.

Disclaimer of Warranties; Limitation of Liability: We try to keep our Services safe, secure, and functioning properly, but we cannot guarantee the continuous operation of or access to our Services.

By using the Services, you may encounter content or information that might be inaccurate, incomplete, delayed, misleading, illegal, offensive, or otherwise harmful or objectionable. We provide no guarantees regarding the content posted by other users or third parties.

THE SERVICES AND ALL INCLUDED CONTENT ARE PROVIDED ON AN“AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. WITHOUT LIMITING THE FOREGOING, LUMANU EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE MAKE NO PROMISES WITH RESPECT TO, AND EXPRESSLY DISCLAIM ALL LIABILITY, TO THE MAXIMUM EXTENT PERMITTED BY LAW, FOR: (I) COMPLETENESS, ACCURACY, AVAILABILITY, TIMELINESS, SECURITY OR RELIABILITY OF THE SERVICES OR ANY CONTENT PROVIDED BY THE SERVICES (II) ANY HARM TO YOUR COMPUTER SYSTEM, LOSS OF DATA, OR OTHER HARM THAT RESULTS FROM YOUR ACCESS TO OR USE OF THE SERVICES EXCEPT WHERE SUCH HARM IS THE DIRECT RESULT OF LUMANU’S INTENTIONAL WRONGDOING OR GROSS NEGLIGENCE OR OTHERWISE RESULTS FROM A VIOLATION BY LUMANU OF THESE TERMS; (III)THE DELETION OF, OR THE FAILURE TO STORE OR TO TRANSMIT, ANY CONTENT AND OTHER COMMUNICATIONS THROUGH THE SERVICES; AND (IV) WHETHER THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS, IN ANY EVENT, EXCEPT WHERE THE APPLICABLE HARM WAS CAUSED BY LUMANU’S GROSS NEGLIGENCE OR INTENTIONAL WRONGDOING OR AS OTHERWISE STATED IN THESE TERMS.

You understand that Lumanu uses third-party vendors (our “third party service providers”) and hosting partners to provide necessary hardware, software, information, networking, storage, integration and related technology to run the Services.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUMANU SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES. IN NO EVENT SHALL LUMANU'S AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100.00) OR THE AMOUNTS PAID BY YOU TO LUMANU FOR LUMANU’S FEE FOR THE PAYMENT SERVICES IN THE LAST 4 MONTH PERIOD. IN NO EVENT SHALL LUMANU BE LIABLE FOR LOST PROFITS.

THE LIMITATIONS IN THIS SECTION SHALL APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, AND WHETHER OR NOT LUMANU HAS BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

IN NO EVENT SHALL LUMANU BE LIABLE FOR THE DAMAGES, FEES OR EXPENSES ASSOCIATED WITH A THIRD PARTY’S ACTIONS OR FAILURE TO ACT INCLUDING BUT NOT LIMITED TO THE ACTIONS OF LUMANU’S BUYER(S) OR AFFILIATES OR YOUR VENDOR(S) OR ONE OR MORE OF THE FOREGOING.

ALL INCIDENTAL INDIRECT AND CONSEQUENTIAL DAMAGES THAT MAY BE CLAIMED BY YOU ARE WAIVED AND EXPRESSLY DISCLAIMED.

Some jurisdictions do not allow the disclaimer of warranties or exclusion of damages, so such disclaimers and exclusions may not apply to you. 

If you have a Claim with one or more Vendors or other third parties, you release Lumanu and its bank(s)/third party service providers (and their respective officers, directors, agents, joint ventures and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such Claims except where such Claims are primarily the result of the gross negligence or intentional wrongdoing of Lumanu or its bank(s).

General Conditions: If any provision of these Terms is held invalid or otherwise unenforceable, the enforceability of the remaining provisions shall not be impaired thereby.

Neither these Terms nor any right, obligation, or remedy hereunder is assignable, transferable, delegable, or sublicensable by you except with our prior written consent, and any attempted assignment, transfer, delegation, or sublicense shall be null and void. In our sole discretion, we may assign these Terms, and in such event, we will post notice on www.lumanu.com.

Headings are for reference purposes only and do not limit the scope or extent of such Section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

These Terms, any Service-specific agreements, and any applicable authorization and opt-in for applicable payment methods set forth the entire understanding between you and Lumanu as to the Services and supersedes any prior agreements between you and Lumanu (including, but not limited to, prior versions of these Terms).

Any questions regarding these Terms should be addressed to support@Lumanu.com

Governing Law: These Terms shall be governed by the laws of the State of California without regard to the principles of conflicts of law. You hereby expressly agree to submit to the exclusive personal jurisdiction of the federal and state courts of the State of California for the purpose of resolving any dispute relating to your access to, or use of, the Services. Any action, proceeding, arbitration hearing or mediation relating to or arising from this Agreement must be brought, held, or otherwise occur in Alameda County, California.

Notwithstanding anything herein, if we elect in our sole discretion to resolve any claim through arbitration, you must cooperate fully with and be bound by such arbitration, without further recourse of any kind.

If you are a California resident, in accordance with Cal. Civ. Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.

Dispute Resolution of disputes between You and Vendor(s): Any disputes related to the deliverables, including but not limited to the quality, timeliness, and completion of the deliverables, are strictly between you and the Vendor. Lumanu is not responsible for mediating or resolving such disputes. 

Lumanu reserves the right to modify these terms, with modifications being effective immediately upon posting to the Lumanu website.