1. Acceptance of Terms
By accessing or using the Lumi Mortgage platform and related services, you agree to be bound by these Terms of Service. If you are using our services on behalf of an organization, you represent that you have authority to bind that organization to these terms.
If you do not agree to these terms, you may not access or use our services. We may update these terms from time to time, and your continued use constitutes acceptance of any changes.
2. Use of Our Service
Lumi Mortgage provides tools for mortgage professionals, including pipeline management, document handling, team collaboration, and related workflow features. You agree to use the service only for lawful purposes and in compliance with all applicable laws and regulations.
We reserve the right to modify, suspend, or discontinue any part of the service at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation of the service.
3. User Accounts
To access certain features, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
You must notify us immediately of any unauthorized use of your account. We may suspend or terminate accounts that violate these terms or pose a security risk to our platform or other users.
4. Intellectual Property
All content, software, trademarks, logos, and other materials on the Lumi Mortgage platform are owned by Lumi Mortgage or our licensors and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.
You retain ownership of content you submit to the platform. By submitting content, you grant Lumi Mortgage a limited license to use, store, and display that content solely to provide and improve our services.
5. Prohibited Activities
You may not use our services to engage in fraud, harassment, unauthorized access, interference with platform operations, or any activity that violates applicable law or the rights of others.
Prohibited conduct includes attempting to reverse engineer our software, scraping data without permission, uploading malicious code, or misrepresenting your identity or affiliation. Violations may result in immediate termination of access.
6. Termination
You may stop using our services at any time. We may suspend or terminate your access if you breach these terms, fail to pay applicable fees, or if we are required to do so by law or regulatory authority.
Upon termination, your right to use the service ceases immediately. Provisions that by their nature should survive termination—including intellectual property, disclaimers, and limitations of liability—will remain in effect.
7. Limitation of Liability
To the fullest extent permitted by law, Lumi Mortgage and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service.
Our total liability for any claim related to these terms or the service shall not exceed the amount you paid us in the twelve months preceding the claim, or one hundred dollars ($100), whichever is greater.
8. Changes to These Terms
We may revise these Terms of Service at any time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, provide additional notice through the platform or by email.
Your continued use of Lumi Mortgage after changes take effect constitutes acceptance of the revised terms. If you do not agree to the updated terms, you must discontinue use of our services.
9. Contact Us
If you have questions about these Terms of Service, please contact Lumi Mortgage at support@lumimortgage.com.
We welcome your feedback and will respond to inquiries related to these terms as promptly as reasonably possible.