Terms and Conditions of Website Use

Terms and Conditions of Website Use

Last updated: 2025

1. Introduction

1.1 These terms and conditions govern your use of our website.
1.2 By using our website, you accept these terms in full. If you do not agree with any part, you must not use the website.
1.3 If you use any website services, we may ask you to expressly agree to these terms.
1.4 You must be at least 18 years old to use our website. By using the website or agreeing to these terms, you represent that you are 18+.
1.5 Our website uses cookies. By using the website or agreeing to these terms, you consent to our use of cookies as described in our Privacy Policy.

2. Copyright Notice

2.1 © 2025 LUMINARY ECOSYSTEM LTD.
2.2 Subject to these terms:
a) We (and our licensors) own and control all intellectual property rights in the website and its content; and
b) All rights in the website and its content are reserved.

3. Licence to Use the Website

3.1 You may:

  • view pages in a web browser;
  • download pages for caching;
  • print pages;
  • stream audio/video; and
  • use the website via a web browser,

subject to these terms.

3.2 Except as permitted above, you must not download or save website material.
3.3 You may use the website for business purposes only.
3.4 Unless expressly permitted, you must not edit or modify any website material.
3.5 Unless you own/control the relevant rights, you must not (without express permission from LUMINARY ECOSYSTEM LTD):
a) republish material (including on another website);
b) sell, rent or sub-license material;
c) show material in public;
d) exploit material commercially; or
e) redistribute material.
3.6 Notwithstanding 3.5, you may redistribute our newsletter electronically to colleagues.
3.7 We may restrict access to parts (or all) of the website at our discretion. You must not circumvent or attempt to circumvent any access controls.

4. RSS Feed

4.1 You may access our RSS feed using an RSS reader/aggregator.
4.2 By accessing the feed, you accept these terms.
4.3 We grant you a non-exclusive, non-transferable, non-sublicensable licence to display unmodified feed content on any non-commercial website you own and operate, provided you do not aggregate our feed with other feeds.
4.4 You must include a credit and hyperlink to our website on each page where the feed appears (in a form we may specify, or otherwise reasonable).
4.5 We may revoke this licence at any time with or without notice.

5. Acceptable Use

5.1 You must not:

  • use the website in any way that causes or may cause damage or impairs performance/availability;
  • use the website unlawfully, illegally, fraudulently, or harmfully;
  • use the website to copy/store/host/transmit/publish/distribute material containing spyware, viruses, trojans, worms, keyloggers, rootkits or other malicious software;
  • conduct systematic/automated data collection (including scraping, mining, extraction, harvesting) without our express written consent;
  • access or interact with the website using robots/spiders/automation (except for search engine indexing);
  • violate directives in our robots.txt; or
  • use data collected from the website for direct marketing (email, SMS, telemarketing, direct mail).

5.2 You must not use data from the website to contact individuals, companies, or other entities.
5.3 All information you supply via the website must be true, accurate, current, complete, and non-misleading.

6. Report Abuse

6.1 Please notify us if you become aware of unlawful material/activity on the website or any breach of these terms.
6.2 Contact: support@luminaryinc.com.

7. Limited Warranties

7.1 We do not warrant or represent:
a) the completeness or accuracy of information on the website;
b) that material is up to date; or
c) that the website/services will remain available.

7.2 We may discontinue or alter any/all website services or stop publishing the website at any time without notice. Unless expressly stated otherwise, you are not entitled to compensation.
7.3 To the maximum extent permitted by law (and subject to §8.1), we exclude all representations and warranties relating to these terms, the website, and its use.

8. Limitations and Exclusions of Liability

8.1 Nothing in these terms will:
a) limit/exclude liability for death or personal injury due to negligence;
b) limit/exclude liability for fraud or fraudulent misrepresentation;
c) limit liabilities in any way not permitted by law; or
d) exclude liabilities that may not be excluded by law.

8.2 The limitations/exclusions in this §8 (and elsewhere in these terms):
a) are subject to §8.1; and
b) govern all liabilities arising under or in connection with these terms (including contract, tort—negligence—and statutory duty).

8.3 Where the website and its information/services are free of charge, we will not be liable for any loss or damage of any nature.
8.4 We are not liable for losses arising from events beyond our reasonable control.
8.5 We are not liable for business losses (including loss of profits, revenue, use, production, anticipated savings, business, contracts, opportunities, or goodwill).
8.6 We are not liable for loss or corruption of data, databases, or software.
8.7 We are not liable for special, indirect, or consequential loss or damage.
8.8 You acknowledge our interest in limiting the personal liability of our officers and employees. You agree not to bring claims personally against them in connection with the website or these terms (this does not limit the liability of the company itself).

9. Indemnity

You agree to indemnify and keep us indemnified against all losses, damages, costs, liabilities, and expenses (including legal fees and amounts paid in settlement) arising from your use of the website or breach of these terms.

10. Breaches of These Terms

10.1 If you breach (or we reasonably suspect you have breached) these terms, we may:
a) issue one or more formal warnings;
b) temporarily suspend your access;
c) permanently prohibit access;
d) block your IP address;
e) contact your internet service providers to request a block; and/or
f) commence legal proceedings.

10.2 If we suspend/prohibit/block your access, you must not attempt to circumvent such measures (including by creating/using a different account).

11. Third-Party Websites

11.1 Our website may contain links to third-party websites. Such links are not recommendations.
11.2 We do not control third-party websites or their content and accept no responsibility for them or for any loss/damage arising from your use of them.

12. Trademarks

12.1 Our logos and other trademarks are our property. No permission is granted to use them; unauthorised use may infringe our rights.
12.2 Third-party trademarks on the website are the property of their respective owners. Unless stated otherwise, we do not endorse or affiliate with such owners and cannot grant any licence to their marks.

13. Competitions

13.1 From time to time, we may run competitions, prize draws, and/or promotions on the website.
13.2 Such activities will be subject to separate terms and conditions made available to you.

14. Variation

14.1 We may revise these terms from time to time.
14.2 Revised terms apply from the date of publication on the website; you waive any right to be notified of or to consent to such revisions.
14.3 If you have expressly agreed to these terms, we may request your express agreement to any revision. If you do not agree within the time specified, we may disable/delete your account and you must stop using the website.

15. Assignment

15.1 We may assign, transfer, subcontract, or otherwise deal with our rights/obligations under these terms.
15.2 You may not assign, transfer, subcontract, or otherwise deal with your rights/obligations without our prior written consent.

16. Severability

16.1 If any provision is determined unlawful or unenforceable, the remaining provisions continue in effect.
16.2 If part of a provision is unlawful/unenforceable, that part will be deemed deleted and the rest will continue in effect.

17. Third-Party Rights

17.1 These terms are for your benefit and ours only; they are not intended to benefit or be enforceable by any third party.
17.2 Exercising rights under these terms is not subject to any third party’s consent.

18. Entire Agreement

Subject to §8.1, these terms (together with our Privacy Policy and Cookie Policy) constitute the entire agreement between you and us regarding your use of the website and supersede all previous agreements concerning that subject matter.

19. Law and Jurisdiction

19.1 These terms are governed by and construed in accordance with the laws of England and Wales.
19.2 Disputes arising under these terms are subject to the non-exclusive jurisdiction of the courts of England and Wales.

20. Statutory and Regulatory Disclosures

20.1 We are registered in the United Kingdom, company number 14927909.

21. Service Providers

21.1 Services available via this Website may be offered and provided by different entities, depending on the services requested. Customers who request IBANs, electronic money issuance, payment services, or crypto-asset exchange services will access those services through the Website; however, the services will be provided by the licensed entities specified on our Website.

For example:

  • LEROY DIGITAL CORP (Canada, Company No. BC1416289), registered with FINTRAC as a Money Service Business (M23398758) – may provide IBAN/payment services and crypto-asset exchange.
  • LUMINARY INC FINANCE LTD (UK, Company No. 11366159), authorised by the FCA as a Small Electronic Money Institution (SEMI, ref 900904) – may provide IBANs, payment services, or payment cards.

21.2 Services provided by LUMINARY ECOSYSTEM LTD in cooperation with partners are subject to those partners’ terms available on their websites.

22. Our Details

22.1 This website is owned and operated by LUMINARY ECOSYSTEM LTD.
22.2 We are registered in the United Kingdom, company number 14927909.
22.3 Registered office / principal place of business: 29 Finsbury Circus, London, United Kingdom, EC2M 5SQ.
22.4 Contact us:

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