Terms for using Lumra.

1. Acceptance of these terms

By accessing or using Lumra, you agree to these Terms of Use. If you do not agree, you must not use the service.

2. The Lumra service

3. Account responsibility

You are responsible for maintaining the confidentiality of your login credentials and for activity carried out under your account.

You must provide accurate information when creating and using your account.

4. Your use of the service

You agree not to:

• use Lumra for unlawful, fraudulent or misleading purposes
• attempt to interfere with or disrupt the service
• try to gain unauthorised access to systems, accounts or data
• copy, reverse engineer or misuse the service except as permitted by law

5. Third-party services

Lumra may interact with third-party services such as Xero. Your use of those services is subject to their own terms and policies.

We are not responsible for the availability, performance or security of third-party services.

6. Verification responsibility

You remain responsible for your own payment approval decisions. Where bank or supplier details change, you should use trusted verification steps, including callback verification where appropriate, before treating those details as safe.

7. Availability and changes

We may update, modify, suspend or discontinue any part of the service from time to time, with or without notice.

We do not guarantee uninterrupted or error-free operation of the service.

8. Fees and billing

If you subscribe to a paid plan, you agree to pay the applicable fees and charges associated with your selected plan.

Additional billing terms, including renewal, cancellation and payment provider terms, may apply depending on how the service is offered.

9. Intellectual property

Lumra and its content, branding, software and related materials are owned by us or our licensors and are protected by applicable intellectual property laws.

10. Disclaimer

Lumra is provided on an “as is” and “as available” basis to the extent permitted by law. We do not warrant that the service will be uninterrupted, error-free or suitable for every use case.

11. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special or consequential loss, including loss of profits, revenue, data, business opportunity or goodwill arising from use of the service.

To the maximum extent permitted by law, our total liability in connection with the service is limited to the amount paid by you to us for the service in the 12 months before the event giving rise to the claim, or if no amount has been paid, a nominal amount.

12. Termination

We may suspend or terminate access to the service if you breach these terms, misuse the service, or where necessary to protect the service, our users or our rights.

13. Changes to these terms

We may update these Terms of Use from time to time. The latest version will be posted on this page with the updated effective date shown above.

14. Governing law

These terms are governed by the laws of [INSERT STATE OR TERRITORY], Australia, unless applicable law requires otherwise.

15. Contact us

If you have questions about these terms, please contact us at:

[INSERT CONTACT EMAIL]