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Terms of Service

Last updated: September 23, 2025

1. Acceptance of Terms

By downloading, installing, or using Lumen: Your Personalized Growth Compass ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

2. Description of Service

Lumen is a personal development mobile application that provides:

  • AI-powered daily growth activities and insights
  • Numerology calculations and forecasts
  • Tarot and angel card readings
  • Digital reflection journal with AI analysis
  • Relationship compatibility tools
  • Community features for sharing growth experiences
  • Premium subscription services

3. User Accounts

To use certain features of the App, you must create an account. You agree to:

  • Provide accurate and complete information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use
  • Be responsible for all activities under your account

4. Subscription and Payment Terms

4.1 Free and Premium Tiers

The App offers both free and premium subscription tiers. Premium features include unlimited access to all tools, advanced AI insights, and priority support.

4.2 Subscription Billing

  • Premium subscriptions are billed monthly at $9.99/month
  • Payments are processed through Stripe and app store billing systems
  • Subscriptions automatically renew unless cancelled
  • You may cancel your subscription at any time

4.3 Free Trial

New users may be eligible for a free trial period. Trial terms will be clearly disclosed before signup. You may cancel during the trial period without charge.

4.4 Refunds

Refunds are handled according to the policies of your app store (Apple App Store or Google Play Store). We do not provide direct refunds for in-app purchases.

5. User Content and Conduct

5.1 Your Content

You retain ownership of content you create in the App (journal entries, community posts). By using the App, you grant us a license to store, process, and display your content as necessary to provide our services.

5.2 Community Guidelines

When participating in community features, you agree not to:

  • Post harmful, offensive, or inappropriate content
  • Harass, bully, or threaten other users
  • Share personal information of others
  • Spam or post commercial content
  • Violate any applicable laws or regulations

5.3 Content Moderation

We reserve the right to review, moderate, or remove user content that violates these Terms or our community guidelines. We use both AI and human moderation to maintain a safe environment.

6. Intellectual Property

The App and its content, features, and functionality are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not:

  • Copy, modify, or distribute the App
  • Reverse engineer or attempt to extract source code
  • Use our trademarks or branding without permission
  • Create derivative works based on the App

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Disclaimers and Limitations

8.1 Entertainment and Educational Purposes

The App provides content for entertainment and educational purposes only. Numerology, tarot readings, and other spiritual content should not be considered as:

  • Professional medical, psychological, or therapeutic advice
  • Financial or legal guidance
  • Predictions of future events
  • Substitute for professional consultation

8.2 Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. The App may be temporarily unavailable due to maintenance, updates, or technical issues.

8.3 Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the App.

9. Termination

We may terminate or suspend your account and access to the App at our discretion, including for violations of these Terms. Upon termination:

  • Your right to use the App ceases immediately
  • We may delete your account and associated data
  • You may request a copy of your data before deletion

10. Updates and Changes

We may update the App and these Terms from time to time. Continued use of the App after changes constitutes acceptance of the updated Terms. We will notify users of material changes through the App or email.

11. Third-Party Services

The App integrates with third-party services including payment processors, cloud storage, and analytics providers. Your use of these services is subject to their respective terms and policies.

12. Governing Law

These Terms are governed by and construed in accordance with applicable laws. Any disputes will be resolved through binding arbitration or in courts of competent jurisdiction.

13. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

14. Contact Information

For questions about these Terms of Service, please contact us:

  • Email: support@growwithlumen.com
  • Website: https://growwithlumen.com

These Terms of Service are effective as of September 23, 2025.