Terms of Use

Last Updated: August 7, 2025

These Terms of Use (“Agreement”) govern your access to and use of the LUMICO INC website (the “Site”) and any services provided through it (the “Services”). By accessing or using the Site and Services, you agree to all terms of this Agreement. If you do not agree, please cease all use of the Site and Services.

1.General
1.1. LUMICO INC is a company registered in Panama (Reg. No. 155769143; Registered Office: Obarrio Urbanization, PDC Tower, Fifty-sixth Street East with Samuel Lewis Avenue, 15th floor, office 15-B, Panama City, Panama).
1.2. This Agreement becomes effective upon your first access to the Site or Services.
1.3. If you use the Site on behalf of an organization, you represent that you have authority to bind that organization to this Agreement.

2.Amendments
2.1. LUMICO INC may modify this Agreement at any time.
2.2. The updated version takes effect on the date posted under “Last Updated.”
2.3. Continued use of the Site or Services after modifications constitutes acceptance of the revised terms.

3.Definitions
3.1. “Content” means any materials, text, images, video, code, or other objects provided by users or LUMICO INC.
3.2. “Confidential Information” means information not intended for public disclosure, including commercial, technical, and other data.

4.Eligibility and Permitted Use
4.1. Only individuals aged 18 or older with legal capacity and not subject to sanctions may use the Site and Services.
4.2. Prohibited conduct includes:
– distributing malware, phishing content, or spam;
– unauthorized access to others’ data;
– automated data collection or scraping without LUMICO INC’s consent;
– posting content that violates laws or harms LUMICO INC’s reputation.

5.User Submissions
5.1. Users may submit feedback, inquiries, and other content via forms on the Site.
5.2. By submitting content, you grant LUMICO INC a royalty-free, non-exclusive, perpetual, irrevocable license to use, reproduce, modify, and distribute your submissions for the provision of Services and marketing.
5.3. Submitted content must not be false, offensive, infringing third-party rights, or illegal.

6.Intellectual Property
6.1. All rights to the Site’s design, interface, text, graphics, logos, and other materials belong to LUMICO INC or its licensors.
6.2. Users are granted a limited license to view and use the Site solely in accordance with this Agreement.
6.3. Violation of intellectual property rights may result in removal of content and liability for damages.

7.Privacy and Data Protection
7.1. Personal data is processed in accordance with our Privacy Policy.
7.2. LUMICO INC implements technical and organizational measures to protect user data.
7.3. Users warrant that any personal data provided is lawful and accurate.

8.Cookies
8.1. The Site uses cookies to enhance functionality, analytics, and personalization.
8.2. Users may disable cookies in their browser settings, but this may limit Site functionality.

9.Third-Party Services and Links
9.1. The Site may contain links or integrations with third-party platforms.
9.2. LUMICO INC is not responsible for the content, availability, or policies of such third-party services.

10.Disclaimer of Warranties
10.1. The Site and Services are provided “as is” without warranties, express or implied.
10.2. LUMICO INC does not guarantee uninterrupted operation or that features will meet user expectations.

11.Limitation of Liability
11.1. LUMICO INC shall not be liable for indirect, incidental, special, or punitive damages, including lost profits.
11.2. LUMICO INC’s total liability for any claim arising under this Agreement is limited to the fees paid by you for Services in the prior calendar month.

12.Indemnification
12.1. Users agree to indemnify LUMICO INC against any losses, expenses, or penalties arising from their breach of this Agreement or applicable law.

13.Suspension and Termination
13.1. LUMICO INC may suspend or terminate a user’s access to the Site or Services for any breach of this Agreement without notice.
13.2. Sections concerning limitation of liability, confidentiality, and intellectual property survive termination.

14.Force Majeure
14.1. Neither party is liable for failure to perform due to events beyond its reasonable control, including natural disasters, war, or government actions.

15.Governing Law and Jurisdiction
15.1. This Agreement is governed by the laws of Panama.
15.2. Disputes shall be resolved in the courts of Panama City.

16.Subcontracting
16.1. LUMICO INC may engage subcontractors to fulfill its obligations under this Agreement without user consent, remaining responsible for their performance.

17.Service Levels and Support
17.1. LUMICO INC strives for 99% monthly uptime but does not guarantee it.
17.2. Support inquiries are handled during business days.

18.Export Controls and Sanctions
18.1. Users warrant compliance with applicable export control and sanctions laws in their use of the Services.

19.Entire Agreement
19.1. This Agreement, together with the Privacy Policy and any service schedules, constitutes the complete agreement between you and LUMICO INC, superseding all prior communications.

20.Contact Information
For questions regarding this Agreement or the Services, contact:
LUMICO INC
Email: info@lumico-inc.com
Address: Obarrio Urbanization, PDC Tower, Fifty-sixth Street East with Samuel Lewis Avenue, 15th floor, office 15-B, Panama City, Panama.