Terms and Conditions

1. Acceptance of Terms

By accessing or using the Lume Rendato website, tools, or any related services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Services. Lume Rendato may update these Terms from time to time, and continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

2. Description of Services

Lume Rendato provides AI-assisted data analysis and risk management tools intended to help gig economy workers and small-scale investors review and interpret information related to their earnings and investment activity. The Services are provided for informational purposes only and do not constitute financial, investment, tax, or legal advice. Any decisions made based on information or outputs generated through the Services are made at your own discretion and risk.

3. Eligibility

You must be at least 18 years old and capable of entering into a legally binding agreement to use the Services. By using the Services, you represent and warrant that you meet these requirements and that all information you provide to Lume Rendato is accurate, current, and complete.

4. Account Responsibilities

If you create an account to access certain features, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify Lume Rendato promptly of any unauthorized use of your account or any other breach of security.

5. Acceptable Use

You agree not to misuse the Services. This includes, but is not limited to, refraining from the following activities:

• Attempting to gain unauthorized access to any part of the Services or related systems.
• Using the Services to transmit harmful, unlawful, or infringing content.
• Reverse engineering, decompiling, or attempting to extract the underlying source code of any tools provided.
• Using automated means to scrape, harvest, or collect data from the Services without prior written consent.
• Interfering with or disrupting the integrity or performance of the Services.

6. Intellectual Property

All content, software, trademarks, logos, and materials associated with the Services are the property of Lume Rendato or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in such materials beyond a limited, non-exclusive, non-transferable license to use the Services as intended.

7. No Financial Advice

Nothing provided through the Services should be construed as a recommendation, solicitation, or offer to buy or sell any financial instrument, nor as professional financial, tax, or legal advice. You should consult with a qualified professional before making any financial or investment decisions. Lume Rendato makes no guarantees regarding the accuracy, completeness, or reliability of any analysis, output, or insight generated through the Services.

8. Third-Party Services and Links

The Services may contain links to third-party websites or integrate with third-party tools. Lume Rendato does not control and is not responsible for the content, accuracy, or practices of any third-party services. Your use of such third-party services is subject to their own terms and policies.

9. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Lume Rendato does not warrant that the Services will be uninterrupted, error-free, or completely secure.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Lume Rendato and its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from your use of or inability to use the Services, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Lume Rendato and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the Services, your violation of these Terms, or your infringement of any third-party rights.

12. Termination

Lume Rendato reserves the right to suspend or terminate your access to the Services at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to other users, Lume Rendato, or third parties. Upon termination, your right to use the Services will immediately cease.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Lume Rendato operates, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by mandatory law.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.

15. Changes to These Terms

Lume Rendato may revise these Terms periodically to reflect changes in our Services, legal requirements, or business practices. We encourage you to review this page regularly. Material changes will be indicated by updating the effective date at the top of this page where applicable.

16. Contact

If you have any questions about these Terms, please reach out through the contact details provided on our Contact page.

This document is a general template provided for informational purposes and does not constitute legal advice. Lume Rendato recommends consulting a qualified legal professional to ensure these Terms are appropriate for your specific circumstances and comply with applicable laws.