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INTRODUCTION
1.1. These terms and conditions shall govern your use of our website.
1.2. By using our website, you accept these terms and conditions in full; accordingly, if
you disagree with these terms and conditions or any part of these terms and
conditions, you must not use our website.
1.3. If you use any of our website services, we will ask you to expressly agree to these
terms and conditions.
1.4. You must be at least 18 years of age to use our website; by using our website or
agreeing to these terms and conditions, you warrant and represent to us that you are
at least 18 years of age.
1.5. Our website uses cookies; by using our website or agreeing to these terms and
conditions, you consent to our use of cookies in accordance with the terms of our
privacy policy
2. COPYRIGHT NOTICE
2.1. Copyright (c) Copyright (c) 2025 LUMINARY ECOSYSTEM LTD.
2.2. Subject to the express provisions of these terms and conditions:
a) we, together with our licensors, own and control all the copyright and other
intellectual property rights in our website and the material on our website; and
b) all the copyright and other intellectual property rights in our website and the
material on our website are reserved.
3. LICENSE TO USE WEBSITE
3.1. You may:
a) view pages from our website in a web browser;
b) download pages from our website for caching in a web browser;
c) print pages from our website;
d) stream audio and video files from our website; and
e) use the website by means of a web browser, subject to the other provisions of
these terms and conditions.
3.2. Except as expressly permitted by Section 3.1 or the other provisions of these terms
and conditions, you must not download any material from our website or save any
such material to your computer.
3.3. You may only use our website for business purposes, and you must not use our
website for any other purposes.3.4. Except as expressly permitted by these terms and conditions, you must not edit or
otherwise modify any material on our website.
3.5. Unless you own or control the relevant rights in the material, you must not without
express permission from LUMINARY ECOSYSTEM LTD:
a) republish material from our website (including republication on another website);
b) sell, rent or sub-license material from our website;
c) show any material from our website in public;
d) exploit material from our website for a commercial purpose; or
e) redistribute material from our website.
3.6. Notwithstanding Section 3.5, you may redistribute our newsletter in electronic form
to colleagues.
3.7. We reserve the right to restrict access to areas of our website, or indeed our whole
website, at our discretion; you must not circumvent or bypass, or attempt to
circumvent or bypass, any access restriction measures on our website.
4. RSS FEED
4.1. You may access our RSS feed using an RSS reader or aggregator.
4.2. By accessing our RSS feed, you accept these terms and conditions.
4.3. Subject to your acceptance of these terms and conditions, we grant to you a non-
exclusive, non-transferable, non-sub-licensable license to display content from our
RSS feed in unmodified form on any non-commercial website owned and operated by
you, providing that you must not aggregate our RSS feed with any other feed when
displaying it in accordance with this Section 4.3.
4.4. It is a condition of this license that you include a credit for us and a hyperlink to our
website on each web page where the RSS feed is published (in such form as we may
specify from time to time, or if we do not specify any particular form, in a reasonable
form).
4.5. We may revoke any license set out in this Section 4 at any time, with or without notice
or explanation.
5. ACCEPTABLE USE
5.1. You must not:
a) use our website in any way or take any action that causes, or may cause, damage
to the website or impairment of the performance, availability or accessibility of
the website;
b) use our website in any way that is unlawful, illegal, fraudulent or harmful, or in
connection with any unlawful, illegal, fraudulent or harmful purpose or activity;c) use our website to copy, store, host, transmit, send, use, publish or distribute any
material which consists of (or is linked to) any spyware, computer virus, Trojan
horse, worm, keystroke logger, rootkit or other malicious computer software;
d) conduct any systematic or automated data collection activities (including without
limitation scraping, data mining, data extraction and data harvesting) on or in
relation to our website without our express written consent;
e) access or otherwise interact with our website using any robot, spider or other
automated means, except for the purpose of search engine indexing;
f) violate the directives set out in the robots.txt file for our website; or
g) use data collected from our website for any direct marketing activity (including
without limitation email marketing, SMS marketing, telemarketing and direct
mailing).
5.2. You must not use data collected from our website to contact individuals, companies
or other persons or entities.
5.3. You must ensure that all the information you supply to us through our website, or in
relation to our website, is true, accurate, current, complete and non-misleading.
6. REPORT ABUSE
6.1. If you learn of any unlawful material or activity on our website or any material or
activity that breaches these terms and conditions, please let us know.
6.2. You can let us know about any such material or activity via email
support@luminaryinc.com
7. LIMITED WARRANTIES
7.1. We do not warrant or represent:
a) the completeness or accuracy of the information published on our website;
b) that the material on the website is up to date; or
c) that the website or any service on the website will remain available.
7.2. We reserve the right to discontinue or alter any or all of our website services, and to
stop publishing our website, at any time in our sole discretion without notice or
explanation; and save to the extent expressly provided otherwise in these terms and
conditions, you will not be entitled to any compensation or other payment upon the
discontinuance or alteration of any website services, or if we stop publishing the
website.
7.3. To the maximum extent permitted by applicable law and subject to Section 13.1, we
exclude all representations and warranties relating to the subject matter of these
terms and conditions, our website and the use of our website.
8. LIMITATIONS AND EXCLUSIONS OF LIABILITY
8.1. Nothing in these terms and conditions will:a) limit or exclude any liability for death or personal injury resulting from negligence;
b) limit or exclude any liability for fraud or fraudulent misrepresentation;
c) limit any liabilities in any way that is not permitted under applicable law; or
d) exclude any liabilities that may not be excluded under applicable law.
8.2. The limitations and exclusions of liability set out in this Section 13 and elsewhere in
these terms and conditions:
a) are subject to Section 13.1; and
b) govern all liabilities arising under these terms and conditions or relating to the
subject matter of these terms and conditions, including liabilities arising in
contract, in tort (including negligence) and for breach of statutory duty, except to
the extent expressly provided otherwise in these terms and conditions.
8.3. To the extent that our website and the information and services on our website are
provided free of charge, we will not be liable for any loss or damage of any nature.
8.4. We will not be liable to you in respect of any losses arising out of any event or events
beyond our reasonable control.
8.5. We will not be liable to you in respect of any business losses, including (without
limitation) loss of or damage to profits, income, revenue, use, production, anticipated
savings, business, contracts, commercial opportunities or goodwill.
8.6. We will not be liable to you in respect of any loss or corruption of any data, database
or software.
8.7. We will not be liable to you in respect of any special, indirect or consequential loss or
damage.
8.8. You accept that we have an interest in limiting the personal liability of our officers
and employees and, having regard to that interest, you acknowledge that we are a
limited liability entity; you agree that you will not bring any claim personally against
our officers or employees in respect of any losses you suffer in connection with the
website or these terms and conditions (this will not, of course, limit or exclude the
liability of the limited liability entity itself for the acts and omissions of our officers
and employees).
9. INDEMNITY
9.1. You hereby indemnify us and undertake to keep us indemnified, against any and all
losses, damages, costs, liabilities and expenses (including without limitation legal
expenses and any amounts paid by us to a third party in settlement of a claim or
dispute) incurred or suffered by us and arising directly or indirectly out of your use of
our website or any breach by you of any provision of these terms and conditions.
10.BREACHES OF THESE TERMS AND CONDITIONS10.1. Without prejudice to our other rights under these terms and conditions, if you
breach these terms and conditions in any way, or if we reasonably suspect that you
have breached these terms and conditions in any way, we may:
a) send you one or more formal warnings;
b) temporarily suspend your access to our website;
c) permanently prohibit you from accessing our website;
d) block computers using your IP address from accessing our website;
e) contact any or all of your internet service providers and request that they block
your access to our website;
f) commence legal action against you, whether for breach of contract or otherwise;
and/or
10.2. Where we suspend or prohibit or block your access to our website or a part of
our website, you must not take any action to circumvent such suspension or
prohibition or blocking (including without limitation creating and/or using a different
account).
11.THIRD PARTY WEBSITES
11.1. Our website includes hyperlinks to other websites owned and operated by
third parties; such hyperlinks are not recommendations.
11.2. We have no control over third-party websites and their contents, and subject to
Section
11.3. We accept no responsibility for them or for any loss or damage that may arise
from your use of them.
12.TRADEMARKS
12.1. Our logos and our other registered and unregistered trademarks are
trademarks belonging to us; we give no permission for the use of these trademarks,
and such use may constitute an infringement of our rights.
12.2. The third-party registered and unregistered trademarks or service marks on
our website are the property of their respective owners and, unless stated otherwise
in these terms and conditions, we do not endorse and are not affiliated with any of the
holders of any such rights and as such we cannot grant any license to exercise such
rights.
13.COMPETITIONS
13.1. From time to time we may run competitions, free prize draws and/or other
promotions on our website.
13.2. Competitions will be subject to separate terms and conditions (which we will
make available to you as appropriate).
14.VARIATION14.1. We may revise these terms and conditions from time to time.
14.2. The revised terms and conditions shall apply to the use of our website from the
date of publication of the revised terms and conditions on the website, and you
hereby waive any right you may otherwise have to be notified of, or to consent to,
revisions of these terms and conditions.
14.3. If you have given your express agreement to these terms and conditions, we
will ask for your express agreement to any revision of these terms and conditions; and
if you do not give your express agreement to the revised terms and conditions within
such period as we may specify, we will disable or delete your account on the website,
and you must stop using the website.
15.ASSIGNMENT
15.1. You hereby agree that we may assign, transfer, sub-contract or otherwise deal
with our rights and/or obligations under these terms and conditions.
15.2. You may not without our prior written consent assign, transfer, sub-contract or
otherwise deal with any of your rights and/or obligations under these terms and
conditions.
16.SEVERABILITY
16.1. If a provision of these terms and conditions is determined by any court or other
competent authority to be unlawful and/or unenforceable, the other provisions will
continue in effect.
16.2. If any unlawful and/or unenforceable provision of these terms and conditions
would be lawful or enforceable if part of it were deleted, that part will be deemed to
be deleted, and the rest of the provision will continue in effect.
17.THIRD PARTY RIGHTS
17.1. A contract under these terms and conditions is for our benefit and your benefit
and is not intended to benefit or be enforceable by any third party.
17.2. The exercise of the parties’ rights under a contract under these terms and
conditions is not subject to the consent of any third party.
18.ENTIRE AGREEMENT
18.1. Subject to Section 13.1, these terms and conditions, together with our privacy
and cookies policy, shall constitute the entire agreement between you and us in
relation to your use of our website and shall supersede all previous agreements
between you and us in relation to your use of our website.
19.LAW AND JURISDICTION
19.1. These terms and conditions shall be governed by and construed in accordance
with law of the England and Wales.19.2. Any disputes relating to these terms and conditions shall be 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 and our registration number is
14927909.
21.SERVICE PROVIDERS
21.1. Services available on this Website may be offered and provided by different
entities, depending on the services the Customer wishes to receive. Customers who
request IBANs, electronic money issuance, payment services, or crypto asset
exchange services via this Website will access those services through the Website;
however, the services will be provided by the licensed entities specified on our
Website.
For example:
If the Customer intends to obtain an IBAN, payment services and receive
crypto asset exchange services, these services will be provided by LEROY
DIGITAL CORP, a company incorporated in Canada (Company No.
BC1416289) and registered with FINTRAC as a Money Service Business
(M23398758), website: www.leroydigital.ca/.
If the Customer wishes to obtain an IBAN, payment services, or a payment
card, these services will be provided by LUMINARY INC FINANCE LTD, a
company incorporated in the UK (Company No. 11366159) and authorized by
the FCA as a Small Electronic Money Institution (SEMI) with reference
number 900904.
21.2. Services that are provided by LUMINARY ECOSYSTEM LTD in cooperation
with our partners are subject to the terms and conditions of those partners 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 under registration number
14927909, and our registered office is at 29 Finsbury Circus, London, United
Kingdom, EC2M 5SQ.
22.3. Our principal place of business is at 29 Finsbury Circus, London, United
Kingdom, EC2M 5SQ.
22.4. You can contact us:
a) by post, to the postal address given above;
b) using our website contact form;
c) info@luminaryinc.com.
