Terms of Service

Welcome to Lumela. These Terms of Service ("Terms") govern your use of the Lumela app and website (the "Service"). By creating an account or using the Service, you agree to these Terms. If you don't agree, please don't use the Service.

1. Using Lumela

You must be at least 13 years old to use Lumela. You're responsible for your account and for keeping your login secure. You agree to provide accurate information and to use the Service in compliance with all applicable laws.

2. Your content

You retain ownership of the content you create in Lumela — trips, expenses, documents, locations, messages and more. You grant us a limited licence to host, store and display that content solely to operate the Service for you and the group members you share it with. You're responsible for the content you upload and for having the right to share it.

3. Groups & shared content

Lumela is built for groups. Content you add to a group is visible to that group's members. Be thoughtful about what you share, and only invite people you trust. Group administrators may manage membership and shared content within their group.

4. Acceptable use

You agree not to:

• Use the Service for anything unlawful, harmful or abusive.
• Upload content that infringes others' rights or violates their privacy.
• Attempt to disrupt, reverse-engineer or gain unauthorised access to the Service.
• Use the Service to send spam or to harass others.

We may suspend or terminate accounts that violate these Terms.

5. Subscriptions (Lumela+)

Some features may be offered through a paid subscription, Lumela+. Subscriptions are billed through the app store you purchased from, renew automatically unless cancelled, and are managed through your app store account. Refunds are handled according to that app store's policies.

6. Money features are a record, not a payment service

Lumela helps you record and calculate shared expenses between people. It does not hold, transfer or process money, and the balances it shows are a convenience, not a financial statement. Settling up happens between you and the other people directly.

7. Availability & changes

We work hard to keep Lumela running, but the Service is provided "as is" without warranties of any kind. We may add, change or remove features, and we may update these Terms from time to time. If we make a material change, we'll update this page.

8. Limitation of liability

To the maximum extent permitted by law, Lumela is not liable for any indirect, incidental or consequential damages arising from your use of the Service. The Service is a coordination tool — you remain responsible for your own travel, money and decisions.

9. Termination

You can stop using Lumela and delete your account at any time from within the app (Settings → Delete Account). We may suspend or terminate access if you violate these Terms.