lumin-legal

Terms of Service

Effective date: 2026-05-20 Last updated: 2026-09-27

These Terms of Service (“Terms”) govern your use of the Lumin Android application (“App”) and the related signal-delivery and order-execution services (collectively, the “Service”), operated by an individual developer based in India (the “Operator”, “we”, “us”). By installing, opening, or using the App, you agree to these Terms.

If you do not agree to these Terms, do not install or use the App.

1. Eligibility

You may use the Service only if you:

• Are at least 18 years of age, and
• Are legally permitted to trade cryptocurrency derivatives in your country of residence, and
• Are not a resident of, or accessing the Service from, the United States, China, Bangladesh, or any other jurisdiction in which our Service is not lawful or is geo-blocked from time to time.

2. What the Service is — and is NOT

The Service is a signal-delivery and trade-automation utility. It surfaces algorithmically-generated trading signals derived from market-structure analysis of Binance USDT-M futures pairs, and (optionally, at your election) automates the placement of orders matching those signals on your existing futures account on one supported exchange that you choose in the App — Binance Futures or CoinDCX Futures. Signals are always generated from Binance market data; on CoinDCX the same signal is placed on CoinDCX’s own contract, at CoinDCX’s price.

The Service is NOT:

• A regulated financial advisor, investment advisor, or broker.
• A custodian of your funds or any digital assets. All funds remain in your exchange account at all times. We never hold, transfer, or have withdrawal access to your funds.
• A cryptocurrency exchange. We do not match orders, quote markets, or hold customer assets.
• A guaranteed-returns product. We make no representation or warranty as to the profitability, performance, or suitability of any signal.

Signals provided through the Service are informational only and are NOT personalised investment advice. You alone decide whether and how to act on any signal. You alone are responsible for any trading losses you incur.

3. Account and Binance API key

To use the optional auto-execution feature, you provide a Binance API key generated by you on the Binance platform. The API key you provide MUST be:

• Trade-enabled (for futures order placement)
• Withdraw-DISABLED (our connect-time validation rejects keys with withdrawals enabled; we will not accept a key that could be used to move funds off your account)
• IP-whitelisted to our execution server’s IP

You are solely responsible for:

• Properly creating, restricting, and storing your Binance API key.
• The funds in your Binance account.
• The leverage, margin mode, and any other Binance-side settings you choose.
• Revoking the API key on Binance if you suspect compromise.

We are not responsible for losses caused by an improperly configured API key (e.g. withdrawal-enabled, not IP-whitelisted) or by changes you make on the Binance platform without revoking the key here first.

3A. CoinDCX API key

If you choose CoinDCX as your trading platform, you provide a CoinDCX API key generated by you on CoinDCX. The key MUST be futures-trade-enabled, withdraw-DISABLED, and bound to our execution server’s IP address (shown in the App when you connect).

CoinDCX’s API does not let us check the last two conditions. Unlike a Binance key, we cannot verify on your behalf that a CoinDCX key cannot withdraw or is IP-bound. When you connect, you therefore confirm each of them yourself, and we record your confirmation, its time, and the server IP you were shown, alongside the encrypted key. You are solely responsible for the truth of that confirmation, and for any loss arising from a CoinDCX key that can withdraw or is not IP-bound. We do check that the key works and can read your futures wallet.

On CoinDCX, differently from Binance:

• Lumin sets the leverage and margin mode for each trade. Positions are opened in isolated margin, at no more than the leverage you choose in the App, and lower where a trade’s stop is wide, so that the stop sits well before the estimated liquidation price. A trade whose liquidation price would be nearer than its stop is closed.
• Every trade uses one exit: the whole position closes at the first take-profit or at the stop-loss, both placed on CoinDCX when the entry fills. Partial take-profits, later targets and trailing exits are available on Binance only.
• Margin and profit/loss may be in Indian rupees (INR) or USDT, as you choose. Contract prices are quoted in USDT; rupee figures use the conversion price CoinDCX publishes, which CoinDCX sets and which can change.
• If CoinDCX’s price has moved too far from the signal’s entry by the time we would place the order, the trade is skipped rather than placed at a worse price.

4. Subscription, billing, and cancellation

Closed signals — signals whose trade has ended, with their price levels (entry, stop-loss, take-profit) and results — are free to everyone, including visitors browsing without an account.

Live signals — signals whose trade is still open — require an account and a paid plan. Every new account receives 3 days of live signals free of charge from the moment the account is created (accounts that existed when live signals became paid receive the same 3 days counted from that date). No payment method is collected for these 3 days and nothing is billed when they end; live signals are simply hidden again until you choose a plan.

Paid subscriptions are offered in three monthly plans:

• Signals — live signals, as they are issued.
• Assist — live signals, plus one-tap order placement.
• Auto — live signals, plus hands-off automated order placement.

Current prices are shown in the App at the time of purchase. Assist and Auto act on your own connected exchange account using your own API keys; Lumin never holds or has withdrawal access to your funds, and you are responsible for the trades placed. Signals are algorithmically generated market information and the automation tools are software functionality; neither is financial, investment, or trading advice, and no plan guarantees any result.

Paid tiers can be bought in two ways, depending on where you use the App. The tiers are the same either way.

In the Android app — Google Play Billing. By purchasing, you authorise Google Play to charge the applicable price (shown in the App at the time of purchase) on a recurring monthly basis. Subscriptions renew automatically at the then-current price until you cancel. Payment is charged to your Google Play account at confirmation of purchase and at the start of each renewal period. You may cancel at any time through Google Play › Subscriptions; cancellation stops future renewals and takes effect at the end of your current billing period.

On the web version (app.luminapp.org) — cryptocurrency, through our payment processor NOWPayments.

• One payment, one period. A web purchase buys access to the chosen tier for a fixed period (currently 30 days) at the price shown at checkout, stated in US dollars and paid in the cryptocurrency you select.
• No automatic renewal. A web purchase does not renew and never charges you again. When the period ends your account returns to the free tier unless you buy another period; a period bought before the current one ends is added to the time you have left.
• Access starts when the payment is confirmed. Paid access is granted only after the processor confirms your payment in full. A payment that is still confirming, fails, or arrives short does not grant access.
• Blockchain payments are irreversible. Network fees, and any difference between the amount you send and the amount required (including exchange-rate movement while the payment confirms), are your responsibility. Sending the wrong currency, network or amount can result in the loss of those funds, which we may be unable to recover.

We do not refund partial periods unless required by applicable consumer law. Refunds for Google Play purchases are subject to Google Play’s refund policies.

4a. Referral programme

The App includes an optional referral programme. Where offered, and as displayed in the App at the time:

• Invite reward. When a new user signs up and redeems your invite code, you may receive a time-limited grant of a paid tier (currently 7 days of Auto per successful invitation; grants stack up to a displayed cap). A reward grant is a promotional benefit, not a purchased subscription, and carries no cash value.
• New-user discount. A user who redeems an invite code at signup may receive a one-time discount (currently 50%) on the first billing period of any paid plan. On Google Play the discount is delivered as a Play subscription offer; on other channels it is applied to the invoice at checkout. One discount per account, ever.
• Referral commission. If a user you referred purchases a paid subscription, you may earn a commission (currently 50% of the amount they actually paid) for that user’s first three billing periods only, counted across payment channels. Commissions accrue in the currency of the underlying payment and are paid out manually by the Operator to the payment details you provide; we may require identity verification before paying out. Commissions are promotional payments, not investment returns, interest, or income from trading.

Anti-abuse. Self-referral, referring accounts you control, fake or automated signups, misleading promotion (including presenting Lumin as guaranteed profit or financial advice), or any manipulation of the programme results in forfeiture of pending rewards and commissions and may result in account termination (Section 10). We may withhold payouts while we investigate suspected abuse.

Changes. The programme is promotional and not a permanent feature of the Service. We may change reward amounts, discount levels, commission rates and caps, eligibility, or discontinue the programme at any time. Rewards and commissions already granted or accrued before a change are honoured; future accrual follows the programme as displayed in the App. Where you promote Lumin, you must comply with applicable advertising and financial-promotion rules and must not make claims about profits or performance that the App itself does not make.

4b. Free trial

Where offered, and as displayed in the App at the time, new users may activate a free trial of a paid tier (currently 7 days of Auto).

• Opt-in. A trial never starts by itself. It begins only when you explicitly activate it in the App, and only if the App shows the offer to you — eligibility is determined by us and is limited to accounts that have not previously trialled or subscribed.
• No payment method, no auto-charge. We do not collect payment details to start a trial and it does not convert into a paid subscription. When the trial period ends your account simply returns to the free tier; nothing is billed unless you separately purchase a subscription.
• One per account, ever. A trial may be activated at most once per account. Creating additional accounts to obtain further trials is abuse under the Anti-abuse provisions of Section 4a and may result in account termination (Section 10).
• Same terms apply. During a trial the automation tools work exactly as they do for paying subscribers, on your own connected exchange account using your own API keys. All trades placed are real trades with real funds and real risk of loss — a trial is free of charge, not free of risk. Sections 2, 6 and 7 apply in full.
• Promotional, not permanent. The trial is a promotional offer, not a permanent feature or an entitlement. We may change its length or tier, restrict eligibility, or withdraw it at any time. A trial already activated runs to the end of its stated period.

5. Acceptable use

You must not:

• Use the Service for any unlawful purpose, including violation of sanctions, tax evasion, or money laundering.
• Attempt to circumvent the per-user safety caps (symbol allowlist, position-size cap, rate limit, global kill switch).
• Reverse-engineer, decompile, or disassemble the App except where such activity is expressly permitted by applicable law.
• Use automation tools to spam our APIs or otherwise impose unreasonable load on our infrastructure.
• Share your account credentials, Telegram subscription, or App access with any other person.

6. Risk acknowledgement

Crypto futures trading involves substantial risk of loss and is not suitable for every investor. The value of cryptocurrencies fluctuates rapidly and unpredictably. Leverage amplifies both gains and losses, and you may lose all funds you deploy.

You acknowledge and accept that:

• Past performance of any signal, strategy, or trader is NOT indicative of future results.
• Signal accuracy can vary dramatically between market regimes; periods of consecutive losses are normal and expected.
• Our Service is not regulated by any financial-services regulator. You do not enjoy investor-compensation protection or other rights you would have when dealing with a regulated firm.
• The Operator is one individual; service interruptions, delays, and technical failures may occur and may result in financial loss to you.

You agree NOT to deploy funds you cannot afford to lose.

7. Operational disclaimers

We make no warranty that:

• The Service will be uninterrupted, error-free, or always available.
• Signals will be delivered without delay.
• Order placement will succeed in all conditions (Binance or CoinDCX API outages, exchange-side rejections, key-permission changes, and network failures will affect order placement).
• The Service is fit for any particular purpose.

The Service is provided AS IS and AS AVAILABLE, without warranty of any kind, express or implied, to the maximum extent permitted by applicable law.

8. Limitation of liability

To the maximum extent permitted by applicable law:

• We are not liable to you for any indirect, consequential, special, incidental, exemplary, or punitive damages arising from your use of the Service.
• Our total cumulative liability to you for any direct damages, regardless of theory of liability, is limited to the greater of (a) the subscription fees you paid us in the 12 months preceding the event giving rise to the claim, or (b) ten US dollars (USD 10).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so the above may not fully apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Operator from any claim, damage, loss, liability, cost, or expense (including reasonable attorneys’ fees) arising from (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any applicable law, or (d) your violation of any third-party right, including any Binance or CoinDCX term of service.

10. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason — including but not limited to violation of these Terms, suspected fraud, regulatory requirement, or our decision to discontinue the Service. Upon termination, your right to use the App ceases; surviving sections include the risk acknowledgement, limitation of liability, indemnification, and governing-law clauses.

You may terminate your own account at any time via the in-app “Delete account” option (Settings → Account) or by emailing mulakapati446@gmail.com.

11. Changes to these Terms

We may revise these Terms from time to time. The “Last updated” date at the top reflects the most recent change. Material changes will be presented to you on the App’s first-run welcome screen; continuing past it after the change constitutes acceptance of the revised Terms.

12. Governing law and dispute resolution

These Terms are governed by the laws of India, without regard to conflict-of-laws principles. The courts of Hyderabad, Telangana, India have exclusive jurisdiction over any dispute arising under these Terms, except where applicable consumer-protection law gives you the non-waivable right to bring proceedings in your country of residence.

13. Contact

For all inquiries about these Terms, or to provide any notice required under these Terms:

mulakapati446@gmail.com

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Lumin operates as a personal project of an individual developer. There is no incorporated company at this time; these Terms are between you and the individual Operator personally.