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

Lumra is a bank detail verification tool designed to integrate with accounting software. The service is designed to:

• start with an unpaid bill in your accounting software;
• check the bank details shown on the invoice;
• compare them against the supplier details already trusted;
• highlight mismatches clearly before payment is approved; and
• require callback verification before saving new details.

The service is a verification aid only and does not guarantee the detection of every instance of fraud or error.

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.

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.

All plans are billed monthly in advance.

Unless stated otherwise, all fees exclude GST. You agree to pay any GST imposed on the supply of the service. Where GST is payable, the fees will be increased by the amount of GST payable.

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.

Any pre-existing intellectual property rights owned by you before the commencement of this agreement will remain vested in you.

You retain ownership of all data and materials you upload to or input into the service. You grant us a non-exclusive licence to use that data solely to the extent necessary to provide the service to you.

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.

Nothing in these terms is intended to exclude or restrict any liability that cannot be excluded or restricted by law, including any guarantees imposed under the Australian Consumer Law.

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.

You may terminate your use of the service at any time by providing 30 days’ written notice. Cancellation takes effect at the end of the current billing cycle following expiry of the notice period. No refund or credit will be issued for any fees paid in respect of the billing cycle in which cancellation takes effect, including where the cancellation date falls before the end of that cycle.

No refunds are provided for cancellation of an annual subscription.

13. Changes to these terms

We may update these Terms of Use from time to time. We will provide you with not less than 30 days’ notice of any material changes. Your continued use of the service after notice constitutes acceptance of the updated terms. If you do not agree with a material change, you may terminate the service in accordance with clause 12.

14. Governing law

These terms are governed by the laws of New South Wales, Australia. The parties submit to the non-exclusive jurisdiction of the courts of New South Wales.

15. Confidentiality

Each party must keep confidential all information received from the other party that is not publicly available and that relates to the business, operations or systems of the other party (Confidential Information). A party must not use or disclose the other party’s Confidential Information except to the extent necessary to perform its obligations or exercise its rights under these terms, or as required by law.

The obligations of confidentiality in this clause survive termination or expiry of these terms.

16. Force Majeure

Neither party is liable for any delay or failure in performance resulting from circumstances beyond its reasonable control, including natural disaster, act of government, pandemic, internet or telecommunications failure, or cyber-attack. The affected party must promptly notify the other party in writing when such circumstances arise and when they cease. If such circumstances continue for more than 3 months, either party may terminate these terms by written notice.

17. Provision of Information

You agree to provide all necessary cooperation, information and access to allow us to provide the service. You acknowledge that the service depends on receiving complete, accurate and timely information from you. We will not be responsible for any failure or delay in the service to the extent caused by your failure to provide such cooperation, information or access.

18. Indemnity

You agree to indemnify us and hold us harmless against all losses, liabilities, costs and expenses (including reasonable legal fees) arising out of or in connection with:

• your breach of these terms;
• your use of the service in a manner not authorised by these terms;
• your decision to approve or process a payment after receiving a mismatch warning or verification alert from the service; or
• any data or information you provide to the service that is inaccurate, incomplete or misleading.

19. No financial advice

The service is a verification tool only. Nothing in the service or these terms constitutes financial, accounting, legal or professional advice. You should obtain independent professional advice before making payment decisions. We do not hold an Australian Financial Services Licence and the service is not a financial product or financial service within the meaning of the Corporations Act 2001 (Cth).

20. Severability

If any provision of these terms is found to be invalid, illegal or unenforceable by a court of competent jurisdiction, that provision will be severed and the remaining provisions will continue in full force and effect.

21. Entire agreement

These terms constitute the entire agreement between you and us in relation to the service and supersede all prior representations, agreements, statements and understandings, whether written or oral. You acknowledge that you have not relied on any representation, warranty or statement made by us that is not set out in these terms.

22. Contact us

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

hello@lumraguard.com