1. Introduction

These terms and conditions govern your use of the United Kingdom version of our website at luminaryinc.com/uk (the “Website”). By accessing or browsing the Website, you accept these terms in full.

If you do not agree with any part of these terms, you must not use the Website.

You must be at least 18 years old to use this Website. By using it, you confirm that you meet this requirement.

This Website is directed only at users in the United Kingdom. The services described on it are available only to clients accepted by Luminary Inc Finance Ltd in the United Kingdom.

The Website uses cookies. We use cookies as described in our Cookie Policy and Privacy Policy. Where required, we will ask for your consent before placing non-essential cookies.

2. Who We Are

This Website is owned and operated by Luminary Inc Finance Ltd, a company incorporated in England and Wales (company number 11366159), with its registered office at 29 Finsbury Circus, London, EC2M 5SQ, United Kingdom.

Luminary Inc Finance Ltd is registered with the Financial Conduct Authority as a small electronic money institution (Firm Reference Number 900904). You can verify our status on the Financial Services Register at register.fca.org.uk.

References to “we”, “us”, or “our” in these terms are to Luminary Inc Finance Ltd. References to “you” are to the person accessing the Website.

3. Our Services

The payment and electronic money services described on this Website are provided by Luminary Inc Finance Ltd in its capacity as a small electronic money institution. Subject to eligibility and successful onboarding, these services may include payment accounts, IBANs, payment services, and payment cards.

This Website does not offer, and Luminary Inc Finance Ltd does not provide, crypto-asset services to clients onboarded through this UK Website.

The information on this Website is provided for general information only. It does not constitute an offer, recommendation, or solicitation to use any service, and it does not create any obligation on us to open an account or provide any service to you.

4. How Funds Are Held

Electronic money is not a deposit and is not covered by the Financial Services Compensation Scheme. Information on how relevant funds are held and protected is set out in the service terms that apply to your account, which will be provided to you before you are onboarded.

5. Onboarding and Application Process

Where you apply to open an account, separate service terms will apply, including in relation to any applicable onboarding fee and our fees and charges. Those terms will be presented to you before you proceed and must be accepted before you submit your application.

Acceptance of these Website Terms does not constitute acceptance of any service terms, nor does it oblige us to open an account or provide any service to you.

6. Fees

Information about our fees and charges is published on this Website and is set out in full in the service terms that apply to your account. In the event of any inconsistency, the service terms will prevail.

7. Permitted Use

This Website is intended for business users. By accessing it, you confirm that you are doing so in a professional or commercial capacity.

You may view, navigate, and print pages from the Website for your own lawful business purposes. You must not:

• use the Website in any way that is unlawful, fraudulent, or harmful to others;
• reproduce, republish, sell, or commercially exploit any Website content without our prior written consent;
• conduct automated scraping, data mining, or bulk extraction of content;
• access or interact with the Website using bots or automated tools (other than standard search engine crawlers);
• introduce malicious code or other harmful material to the Website; or
• attempt to circumvent any access controls or security measures.

8. Complaints

We are committed to providing a high standard of service. If you have a complaint, please contact us using the details in the “Contact Us” section below, and we will handle it in accordance with our Complaints Procedure. If you are an eligible complainant and we are unable to resolve your complaint to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service (financial-ombudsman.org.uk).

9. Intellectual Property

All intellectual property rights in this Website and its content are owned by or licensed to Luminary Inc Finance Ltd. All rights are reserved. Nothing on this Website grants you any licence to use our name, logos, or trademarks. Any third-party trademarks displayed on the Website remain the property of their respective owners.

10. Accuracy and Availability

We take reasonable care to keep the content on this Website accurate and current, but we do not guarantee its completeness or accuracy. Content may change without notice.

We may modify, suspend, or discontinue the Website or any part of it at any time. We will not be liable to you for any such change or for any temporary or permanent unavailability.

11. Limitation of Liability

To the fullest extent permitted by applicable law, we exclude all liability for loss or damage arising from your use of, or inability to use, this Website. This includes, without limitation, loss of profits or revenue, loss or corruption of data, and indirect or consequential loss of any kind.

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.

12. Third-Party Websites

This Website may contain links to third-party websites. Such links are provided for convenience only and do not constitute an endorsement of those sites or their content. We accept no responsibility for the content or availability of any third-party website.

13. Changes to These Terms

We may update these terms from time to time. The current version will always be published on this Website. Your continued use of the Website after any update constitutes your acceptance of the revised terms.

14. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any dispute arising in connection with these terms or your use of this Website will be subject to the non-exclusive jurisdiction of the courts of England and Wales.

15. Contact Us

If you have any questions about these terms or wish to report a concern, please contact us:

• by email: support@luminaryinc.com
• by post: 29 Finsbury Circus, London, EC2M 5SQ, United Kingdom
• via the contact form on our Website

These terms govern use of the Luminary Inc Finance Ltd UK website only. The terms applicable to any payment or electronic money service will be provided to you separately at the point of application.

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