Refund and Cancellation Policy

This Policy forms part of the Terms of Service and governs subscription billing, cancellation and refunds for the Lumina service supplied by Lumina.

1. Billing Cycle

1.1 Paid plans are billed in advance for the elected term, monthly or annual, and renew automatically on each anniversary of the initial purchase until cancelled. 1.2 The charge appears on the payment method registered with our payment processor. 1.3 Fees are exclusive of applicable taxes.

2. Cancellation

2.1 You may cancel at any time from the billing area of the Service or by writing to legal@lumina.app. 2.2 Cancellation takes effect at the end of the current paid term; paid features remain available until that date. 2.3 Cancellation does not, by itself, delete your account or stored Content; deletion may be requested separately.

3. Statutory Withdrawal Rights

Consumers in the European Union and the United Kingdom have a statutory right to withdraw from a distance contract within fourteen (14) days. Where you request immediate access to the digital service and acknowledge that you thereby lose that right upon commencement of supply, the right of withdrawal ceases to apply to the extent the service has been supplied. Nothing in this Policy limits mandatory consumer rights.

4. Refund Eligibility

4.1 Fees for a term that has commenced are generally non-refundable, in whole or in part, including for unused allowances or periods of non-use. 4.2 We will refund, at our discretion, on a pro-rata or full basis where: (a) a duplicate or demonstrably erroneous charge occurred; (b) the Service was materially unavailable for a prolonged period attributable to us; or (c) a refund is required by applicable consumer law. 4.3 Refund requests must be submitted to legal@lumina.app within thirty (30) days of the charge and should include the transaction reference. 4.4 Approved refunds are issued to the original payment method and may take five to ten business days to appear.

5. Free Tier and Allowances

The free tier is provided without charge and without warranty of availability. Allowances are personal, non-transferable, carry no monetary value and do not accumulate between periods unless expressly stated.

6. Failed Payments and Downgrade

Where a renewal payment fails, we may retry collection, notify you, and suspend or downgrade paid features until payment is completed. Stored Content is not deleted solely by reason of a failed payment for a reasonable grace period.

7. Chargebacks

Initiating a chargeback without first contacting us may result in immediate suspension pending resolution. Where a chargeback is resolved in our favour we may recover reasonable administrative costs.

8. Price Changes

Price changes are notified at least thirty (30) days before they take effect and apply from your next renewal. You may cancel before the renewal date if you do not accept the new price.

9. Contact

Billing enquiries: Lumina, Galveston, Texas, United States, legal@lumina.app.