Terms and Conditions

Last updated: November 28, 2025

Legal Agreement

These Terms and Conditions constitute a legally binding agreement between you and Luminary Fold. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

If you do not agree to these Terms and Conditions in their entirety, you must not access or use our website or services. Your continued use of our services constitutes ongoing acceptance of these terms as they may be updated from time to time.

Legal Entity Information

Luminary Fold

42 Martin Place, Level 8

Sydney, NSW 2000

Australia

Phone: +61 2 8374 5291

Email: [email protected]

User Obligations and Responsibilities

1. Legal Compliance

You agree to comply with all applicable federal, state, and local laws and regulations when using our website and services. This includes but is not limited to laws governing intellectual property, privacy, data protection, consumer protection, and business conduct. You are solely responsible for ensuring your use of our services does not violate any applicable laws or regulations in your jurisdiction.

2. Conduct Requirements

You agree to conduct yourself professionally and ethically when interacting with our team and using our services. This includes providing accurate information, responding to requests in a timely manner, respecting intellectual property rights, maintaining confidentiality of sensitive information, and refraining from abusive, harassing, or threatening behavior toward our staff or other users.

3. Prohibited Activities

You expressly agree not to use our website or services to transmit malicious code, viruses, or harmful software, engage in fraudulent activities or misrepresentation, violate the intellectual property rights of others, collect or harvest information about other users without consent, interfere with the proper functioning of our website or services, attempt unauthorized access to our systems or networks, or use automated systems to access our website without permission.

4. Age Restrictions

Our services are intended for business use by individuals who are at least 18 years of age or the age of majority in their jurisdiction. By using our services, you represent and warrant that you meet these age requirements and have the legal capacity to enter into binding agreements.

5. Content Guidelines

Any content you provide to us must be your own or you must have the necessary rights and permissions to share it. You agree not to submit content that is defamatory, obscene, offensive, discriminatory, or violates any third-party rights. We reserve the right to refuse or remove any content that violates these guidelines.

Additional User Responsibilities

Indemnification

You agree to indemnify, defend, and hold harmless Luminary Fold, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses arising from your use of our services, your violation of these Terms and Conditions, your violation of any rights of third parties, or any content you provide to us.

Privacy and Data Protection

You acknowledge that your use of our services is subject to our Privacy Policy. You agree to comply with all applicable data protection laws when providing us with information about third parties, including obtaining necessary consents where required.

Third-Party Interactions

Our services may involve interactions with third-party platforms, services, or content. We are not responsible for the actions, content, or policies of third parties. Your interactions with third parties are solely between you and that third party, and you agree that we are not liable for any loss or damage arising from such interactions.

Feedback and Suggestions

If you provide us with feedback, suggestions, or ideas regarding our services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such feedback into our services without compensation or attribution to you.

Disclaimers and Limitation of Liability

1. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

2. Limitation of Liability

To the maximum extent permitted by applicable law, Luminary Fold shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or related to your use of our services, even if we have been advised of the possibility of such damages. In jurisdictions that do not allow the exclusion of certain damages, our liability shall be limited to the fullest extent permitted by law.

3. Maximum Liability Cap

In no event shall our total liability to you for all claims arising out of or related to these Terms and Conditions or your use of our services exceed the amount you have paid to us in the twelve months preceding the claim, or one hundred Australian Dollars (AUD $100), whichever is greater.

4. Force Majeure

We shall not be liable for any failure or delay in performance of our obligations under these Terms and Conditions due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, governmental actions, technical failures, or interruptions in third-party services.

5. Exclusion of Consequential Damages

Under no circumstances shall we be liable for any loss of business, lost profits, loss of anticipated savings, loss of business opportunity, loss of goodwill, loss of data, or any other indirect or consequential loss or damage of any kind arising from your use of our services.

Legal Information and Dispute Resolution

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions. The United Nations Convention on Contracts for the International Sale of Goods shall not apply.

Jurisdiction

You irrevocably agree that the courts of New South Wales, Australia shall have exclusive jurisdiction to resolve any dispute arising out of or relating to these Terms and Conditions or your use of our services. You waive any objection to venue in these courts and any claim that such courts are an inconvenient forum.

Dispute Resolution Procedures

Before initiating formal legal proceedings, we encourage parties to attempt to resolve disputes through good-faith negotiation. If you have a complaint or concern, please contact us first so we can work together toward a resolution. If negotiation does not resolve the dispute within 30 days, either party may pursue formal legal remedies.

Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be made enforceable, it shall be severed from these terms. The remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Luminary Fold regarding your use of our services and supersede all prior agreements, understandings, or communications, whether written or oral.

Assignment

You may not assign or transfer your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights and obligations without restriction. Any attempted assignment in violation of this provision shall be null and void.

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time to reflect changes in our practices, legal requirements, or for other business reasons. We will post updated terms on this page with a revised "Last Updated" date.

Material changes will be communicated to active clients through email or other appropriate means. Your continued use of our services following the posting of changes constitutes your acceptance of such changes. If you do not agree to the modified terms, you must discontinue use of our services.

Survival of Terms

Provisions of these Terms and Conditions that by their nature should survive termination shall survive, including but not limited to indemnification obligations, disclaimers of warranties, limitations of liability, governing law, and dispute resolution provisions. Termination of your access to our services does not relieve you of obligations incurred prior to termination.

Questions or Concerns?

If you have any questions about these Terms and Conditions or need clarification on any provisions, please contact us. We are committed to ensuring you understand your rights and obligations.