Lumera Learning Start Up From Scratch Last updated: 16/12/2025 These Terms and Conditions (“Terms”) govern your use of the Lumera Learning Start Up From Scratch website, mobile application, and related services (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service. ⸻ 1. About the Service Lumera Learning Start Up From Scratch is an educational platform that provides learning content, tools, and community access related to entrepreneurship and business development. The Service provides general educational information only and does not constitute legal, financial, tax, or professional advice. ⸻ 2. Eligibility You must be at least 18 years old to use the Service. By using the Service, you confirm that: • You have the legal capacity to enter into a binding agreement • All information you provide is accurate and truthful ⸻ 3. Account Registration To access certain features, you may need to create an account. You are responsible for: • Maintaining the confidentiality of your login credentials • All activity that occurs under your account • Keeping your account information accurate and up to date We reserve the right to suspend or terminate accounts that breach these Terms. ⸻ 4. Subscriptions, Payments and Access 4.1 Pricing and Plans The Service is offered on a subscription basis (monthly or annual). Prices are displayed clearly at the point of purchase and may change from time to time. Any price changes will not affect your current subscription period. ⸻ 4.2 Payment Processing Payments are processed securely through third-party payment providers. We do not store your payment details. By purchasing a subscription, you authorise us to charge the applicable subscription fees to your chosen payment method. ⸻ 4.3 Access Upon successful payment, you will receive access to the Service for the duration of your subscription period. ⸻ 4.4 Mobile App Purchases and App Store Terms If you purchase a subscription through the Lumera Learning Start Up From Scratch mobile application, payment will be processed by the relevant app store provider (such as Apple App Store or Google Play Store). Subscriptions purchased via an app store are subject to that platform’s payment terms, cancellation policies, and refund rules. You must manage and cancel app store subscriptions through your app store account settings. We do not control app store billing processes. Apple Inc. and Google LLC are not sponsors of, nor responsible for, the Service. ⸻ 4.5 Auto-Renewal Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before renewal. ⸻ 5. Cancellation and Refunds 5.1 Cancellation You may cancel your subscription at any time: • Via your account settings (web purchases) • Via your app store account (app purchases) Cancellation takes effect at the end of the current billing period. ⸻ 5.2 Refunds Subscription fees are non-refundable except where required by law. This includes partial periods, unused time, or changes of mind. Nothing in these Terms affects your statutory consumer rights. ⸻ 6. Acceptable Use You agree to use the Service lawfully, respectfully, and constructively. You must not: • Share or distribute Service content without permission • Use the Service for unlawful or harmful purposes • Attempt unauthorised access to the Service or other accounts • Disrupt or interfere with Service security or functionality ⸻ 7. Community Guidelines and Behaviour The Service may include community features. When participating, you agree to: • Treat others respectfully • Share feedback constructively • Avoid harassment, hate speech, or abuse • Avoid spam or promotion of unrelated products We reserve the right to moderate or remove content to maintain a safe environment. ⸻ 8. Breach of Rules and Enforcement If you breach these Terms, we may: • Issue a warning • Remove content • Suspend access • Terminate your account Serious or repeated breaches may result in immediate termination without refund. ⸻ 9. Intellectual Property All content within the Service is owned by or licensed to Lumera Learning Start Up From Scratch. You may not copy, reproduce, distribute, or create derivative works without written permission. Access does not grant ownership of any intellectual property. ⸻ 10. Disclaimer The Service is provided for educational purposes only. We make no guarantees regarding business success, income, or outcomes. Results depend on individual effort, circumstances, and external factors. ⸻ 11. Limitation of Liability To the maximum extent permitted by law, we shall not be liable for indirect, incidental, or consequential loss arising from use of the Service. Our total liability shall not exceed the amount paid by you in the preceding 12 months. ⸻ 12. Termination We may suspend or terminate access if you breach these Terms. You may stop using the Service at any time. ⸻ 13. Changes to These Terms We may update these Terms periodically. Updates will be posted with a revised “Last updated” date. Continued use constitutes acceptance of revised Terms. ⸻ 14. Governing Law These Terms are governed by the laws of England and Wales. ⸻ 15. Contact Information Business name: Lumera Learning Email: [Insert contact email]