Effective Date: 26.08.2025 | Last Modified: 26.08.2025

This summary (Part 1) is written in plain English. The full Terms & Conditions in Part 2 are legally binding and apply in case of conflict. However, where there is any difference, the statements in this summary about UK governing law and UK consumer rights take priority.

Welcome to Luminiera. These Terms & Conditions ("Terms") govern your use of luminiera.net ("the Service"). By creating an account or using our services, you agree to these Terms. If you do not agree, you must stop using Luminiera immediately.

Luminiera is currently operated by Sami Alexander Azem as an unincorporated business. Until incorporation, all obligations fall to the operator personally. Once incorporated, obligations will transfer to the company without reducing your rights.

The Service is currently operated by:

• Luminiera – (currently unincorporated, operated by Sami Alexander Azem)
• Owner & Data Controller: Sami Alexander Azem
• Address: Jumeirah Golf Estates – Whispering Pines – Villa E11, Dubai, United Arab Emirates
• Email: info@luminiera.net

In the event Luminiera incorporates as a company (e.g., “Luminiera Ltd” in the UK or another jurisdiction), ownership of the Service and all agreements with Users will automatically transfer to that entity. Users will be notified, and their rights under these Terms and applicable law will remain unaffected.

• You must be 18 years or older to use Luminiera.
• You may not use the Service if you are located in a country under embargo or on restricted lists (e.g., US OFAC lists).

• Luminiera provides digital savings tools and calculators that generate estimates of potential household savings based on publicly available data and user input.
• We do not provide financial advice. All content and calculations are for informational purposes only. Users remain solely responsible for financial decisions.
• Savings projections are not guaranteed and may vary depending on personal circumstances and external factors beyond our control.
• Even where the Service indicates savings may be possible by taking a particular action, it is the user’s responsibility to confirm whether those savings are available and applicable to their situation. Luminiera is not responsible for financial outcomes, as we are not providing advice but rather operating as a calculator and information tool.

• To access the Service, you must register for an account using accurate and truthful information.
• You are responsible for safeguarding your login credentials. Any activity under your account is your responsibility.
• Luminiera may suspend or terminate accounts at its sole discretion if Terms are violated.

• Luminiera operates on a subscription basis. Subscription terms (monthly, yearly, or otherwise) are displayed at the point of purchase.
• Automatic renewal: Unless cancelled before the renewal date, subscriptions renew automatically using the original payment method.
• Cancellation:
  • You may cancel at any time. Access will remain until the end of the current billing period.
  • Your UK consumer cancellation rights are explained in detail in Part 2
• Payments are processed securely by third-party providers (e.g., Paddle, Stripe). Luminiera does not store card details.

• Luminiera provides a free tier that identifies potential household savings opportunities up to an estimated cumulative value of £1,000 per account.
• Savings are identified using our calculators and public data sources. They are estimates only and not guaranteed outcomes.
• Once the system has identified opportunities exceeding £1,000, continued access to further savings solutions requires a paid subscription.
• The £1,000 figure refers only to potential savings identified — not actual money received or guaranteed.
• Each User is limited to one free £1,000 allowance. Multiple accounts or attempts to bypass this limit may result in suspension.
• We reserve the right to change, update, or remove the free savings figure and/or how it is calculated at any time, and to modify or discontinue parts of the Service at our discretion.

• Consumers in the UK/EU generally have a 14-day cancellation right for digital services purchased online.
• By subscribing and choosing immediate access, you expressly consent to performance beginning immediately and acknowledge that your withdrawal/cancellation right is lost once access has started.
• Where access has not yet begun, you may exercise your right to cancel within 14 days.

You agree not to:

• Use Luminiera for unlawful purposes.
• Attempt to access systems without authorization.
• Copy, modify, or distribute content without permission.
• Provide false or misleading information.

Violation of these rules may result in account suspension or termination without refund.

• All content, branding, logos, software, and tools are the property of Luminiera or its licensors.
• You are granted a limited, non-transferable license to use the Service for personal, non-commercial purposes only.

• No financial liability: Luminiera is not responsible for your financial decisions. Savings estimates are not guarantees.
• No warranties: The Service is provided “as is” without any warranties, express or implied, including fitness for a particular purpose.
• Limitation of liability: To the maximum extent permitted by law, Luminiera and its owner(s) will not be liable for:
  • Loss of profits, savings, or expected outcomes.
  • Indirect, incidental, or consequential damages.
  • Any claim exceeding the total fees paid by you in the 12 months prior to the claim.
• Force majeure: We are not liable for service interruptions caused by events outside our control (e.g., network failures, strikes, legal restrictions).
• We use third-party providers (Paddle, Stripe, PayPal, hosting services, etc.) to deliver parts of our service. While we choose trusted providers, their systems are governed by their own privacy and security policies.

• Luminiera collects and processes personal data in line with its Privacy Policy, available on luminiera.net.
• By using the Service, you consent to this processing.

• We may update, modify, or discontinue features at any time.
• If changes materially reduce functionality, affected Users may cancel within 30 days and receive a pro-rata refund for unused subscription time (where legally required). This does not apply to the free tier, which involves no payment.

• These Terms are governed by the laws of England and Wales.
• The Service is intended for UK residents only. By using Luminiera, you confirm that you are resident in the United Kingdom.
• Disputes should first be raised with us at info@luminiera.net. We aim to resolve complaints within 7 days.
• If unresolved, you may bring legal proceedings in the courts of England and Wales, or — if you are a consumer resident in Scotland or Northern Ireland — in your local courts.

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in effect.

These Terms are made up of Part 1 (Summary) and Part 2 (Full Terms & Conditions, provided by Iubenda). Together they constitute the entire agreement between you and Luminiera regarding the Service. If there is any conflict, the provisions in Part 2 apply, except where this summary explicitly states otherwise (for example, UK governing law and UK consumer rights).