Terms of Service

By accessing and using LumienInnovative Ventures Pvt.Ltd.'s services, you accept and agree to be bound by these Terms of Service.

If you do not agree to these terms, you may not access or use our services.

We reserve the right to modify these terms at any time, and your continued use constitutes acceptance of any changes.

LumienInnovative Ventures Pvt.Ltd. provides banking technology solutions and services for financial institutions.

Our platform supports core banking, regulatory compliance, digital channels, risk management, and integrations.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.

You must create an account to use our services.

You are responsible for maintaining the confidentiality of your account credentials.

You agree to provide accurate, current, and complete information during registration.

You are responsible for all activities that occur under your account.

You agree not to use our services for any unlawful purpose or in violation of these terms.

You may not attempt to gain unauthorized access to our systems or networks.

You may not interfere with or disrupt the integrity or performance of our services.

You may not use our services to transmit malicious code or engage in fraudulent activities.

Fees for our services are described in your service agreement.

All fees are non-refundable unless otherwise stated.

We reserve the right to change our fees with 30 days' notice.

You are responsible for all taxes associated with your use of our services.

All content, features, and functionality of our services are owned by LumienInnovative Ventures Pvt.Ltd.

You may not copy, modify, distribute, or create derivative works without our permission.

You retain ownership of any data you submit to our platform.

You grant us a license to use your data to provide and improve our services.

You may have access to confidential information about our services and technology.

You agree to keep all confidential information strictly confidential.

This obligation survives termination of your use of our services.

Our services are provided 'as is' without warranties of any kind.

We are not liable for any indirect, incidental, or consequential damages.

Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

You agree to indemnify and hold harmless LumienInnovative Ventures Pvt.Ltd. from any claims arising from your use of our services.

This includes claims related to your violation of these terms or infringement of third-party rights.

We reserve the right to assume exclusive defense of any matter subject to indemnification.

We may terminate or suspend your access to our services at any time for any reason.

You may terminate your account at any time by contacting us.

Upon termination, your right to use our services will immediately cease.

Provisions that by their nature should survive termination will survive.

These terms are governed by the laws applicable to LumienInnovative Ventures Pvt.Ltd.

Any disputes will be resolved in the courts of competent jurisdiction.

You waive any objection to venue or jurisdiction in these courts.

Any disputes arising from these terms will be resolved through binding arbitration or applicable dispute resolution mechanisms.

Arbitration will be conducted by an appropriate arbitration forum as applicable.

You waive your right to participate in class action lawsuits, where permitted.

This dispute resolution agreement survives termination of these terms.