Terms of Service

Lumina (the desktop app, the browser extension, the website at https://lumina.arkaroy.in and the online services behind them — together, the “Services”) is provided by [LEGAL ENTITY NAME], [REGISTERED ADDRESS] (“Lumina”, “we”, “us”).

These Terms of Service (“Terms”) are a binding agreement between you and us. By creating an account, installing the app or extension, or otherwise using the Services, you agree to these Terms and to our Privacy Policy. If you don't agree, please don't use the Services.

If you use the Services on behalf of an organisation, you confirm you are authorised to accept these Terms for it, and “you” includes that organisation.

You must be at least 18 (or the age of majority where you live; users under 18 only with a parent's or guardian's consent) to create an account. You must be legally able to enter into this agreement and not barred from using the Services under any applicable law.

• Give accurate information when you sign up and keep your email address current — it is how we reach you about your account and security.
• Keep your password (and, for Lumina Pass, your master password and recovery kit) secret. Use a strong, unique password. You are responsible for activity under your account.
• Tell us promptly at [CONTACT EMAIL] if you suspect unauthorised access. You can sign out other devices at any time from your account page.
• One account is for one person. Don't share, sell or transfer accounts.

Free. The offline writing engine (suggestions, autocorrect, grammar, multilingual typing and typing practice) is free.

Pro. Pro adds Lumina AI, Memory Sync, Lumina Pass and related features. Pro features, limits and prices are described on our pricing page and may change as described below.

Free trials. We may offer a free Pro trial to new accounts. Whether trials are offered, and their length, is at our discretion and can change at any time without affecting a trial already started. When a trial ends, your account returns to the Free plan unless you have upgraded; you keep your data (see section 7 for Lumina Pass).

Billing. During early access, Pro upgrades are arranged with us directly and applied to your account manually; we will tell you the price and the period before you pay. When we introduce online payments, additional payment terms will be shown at checkout. Prices exclude taxes unless stated.

Refunds. [REFUND POLICY — e.g. full refund within 14 days of a first Pro payment]. Nothing in these Terms limits any refund rights you have under consumer law.

Changes. We may change Pro features or prices. Price changes apply from your next billing period and we will give you reasonable notice first.

You agree not to, and not to help anyone else to:

• break the law, infringe others' rights, or use the Services to harass, defraud, spam or harm anyone;
• use Lumina AI to create content that is illegal, sexually exploits minors, promotes violence or self-harm, or deceives people (for example impersonation or scams);
• probe, scan or test the vulnerability of our systems except under our responsible-disclosure process (see Security), or bypass usage limits, rate limits or access controls;
• reverse engineer the Services except where the law expressly allows it; copy or resell the Services; or access them by automated means other than our published apps and extension;
• overload our infrastructure, interfere with other users, or use the Services to build a competing product.

We may limit, suspend or end access for misuse (see section 13).

• Lumina AI only processes text you explicitly send to it — for example a selection you ask it to fix or summarize — and voice typing only processes audio recorded while you hold the voice key. We send that text or audio to our AI model provider to produce the result, as described in the Privacy Policy; depending on our plan with the provider, it may use inputs to improve its services.
• AI output can be wrong, incomplete or inappropriate. Review it before you rely on it or share it. You are responsible for how you use outputs, and for having the right to submit the text you send.
• Don't send passwords, financial details, health data or other sensitive information to Lumina AI unless you are comfortable doing so.
• Transcriptions can mishear words, especially names and mixed-language speech. Check dictated text before sending it.
• AI features (including voice minutes) have daily usage limits that depend on your plan and may be adjusted to keep the service fair and sustainable. We may pause AI features temporarily (for example during maintenance or if a daily capacity limit is reached).
• As between you and us, you own your inputs and, to the extent permitted by law, the outputs generated for you.

Lumina Pass (our password manager, including passkeys and the browser extension) and Memory Sync use end-to-end, zero-knowledge encryption: your data is encrypted on your device before it is uploaded, using keys derived from secrets only you hold. This means:

• We cannot read your vault or synced memory, and we cannot recover them for you. If you forget your master password and lose your recovery kit, your encrypted data cannot be decrypted by anyone, including us.
• You are responsible for keeping your master password and recovery kit safe. We strongly recommend storing the recovery kit offline.
• We keep encrypted backups in the cloud and the app keeps an encrypted local copy, but no system is perfect. Keep an exported backup of critical data.
• The browser extension fills credentials only into the site they were saved for. Check the address bar before entering sensitive information, and keep your browser, operating system and Lumina up to date.
• If your Pro access ends, you will still be able to unlock and export your vault; syncing and some features may stop.
• Lumina Pass is offered as early access while it rolls out. Features may change, and we may ask early users for feedback.

We grant you a personal, worldwide, non-exclusive, non-transferable, revocable licence to install and use the Lumina desktop app and browser extension on devices you own or control, solely to use the Services in line with these Terms. The software may update itself to fix bugs, improve security or add features.

Some components are open-source software licensed under their own terms, which are included with the app. Nothing in these Terms limits your rights under those licences.

You keep all rights in the text you type, the data the app learns locally, and anything you store in Lumina Pass. You give us only the limited permission needed to host, transmit and process your content to provide the Services to you (for example, storing encrypted sync data or sending a selection to Lumina AI when you ask).

The Services, including software, design, text, graphics and the Lumina name and logo, belong to us or our licensors and are protected by law. These Terms don't grant you any right to use our trademarks. If you send us feedback or suggestions, we may use them without any obligation to you.

The Services rely on providers such as hosting, email and AI model providers, and you may use them alongside third-party websites and browsers. We are not responsible for third-party services we don't control.

We work to keep the Services available and secure but don't guarantee they will be uninterrupted or error-free. We may change, add or remove features. If we discontinue a paid feature you have prepaid for, we will offer a pro-rata refund or a reasonable alternative.

You can stop using the Services at any time and ask us to delete your account. We may suspend or terminate your access if you materially breach these Terms, if required by law, or to protect users or the Services. Where reasonable, we will give notice and a chance to export your data first. Sections that by their nature should survive termination (such as sections 14–18) survive.

To the extent permitted by law, the Services are provided “as is” and “as available”, without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose and non-infringement. Suggestions, corrections and AI outputs are aids, not guarantees of correctness.

To the extent permitted by law: (a) we are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of data, profits or goodwill; and (b) our total liability for all claims relating to the Services is limited to the greater of the amount you paid us for the Services in the 12 months before the claim and INR 5,000.

Nothing in these Terms excludes liability that cannot be excluded by law, such as liability for fraud or for death or personal injury caused by negligence.

You agree to indemnify us against claims, losses and reasonable costs arising from your breach of these Terms or your misuse of the Services, to the extent permitted by law.

We may update these Terms. For material changes we will notify you by email or in the app and ask you to accept the new version when you next sign in. The version number and effective date are shown at the top of this page. If you don't agree with the changes, stop using the Services and you may delete your account.

These Terms are governed by [GOVERNING LAW / CITY — default: the laws of India, courts of Bengaluru, Karnataka]. Before starting formal proceedings, please contact us at [CONTACT EMAIL] so we can try to resolve the issue informally within 30 days. Subject to that, the courts named above have exclusive jurisdiction, without prejudice to any mandatory consumer-protection rights you have where you live.

These Terms and the Privacy Policy are the entire agreement between you and us about the Services. If a provision is unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets, with notice to you.

[LEGAL ENTITY NAME], [REGISTERED ADDRESS]. Email: [CONTACT EMAIL]. Grievance officer: [GRIEVANCE OFFICER NAME & EMAIL].