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Terms of Service

Last updated: March 11, 2026

1. Acceptance of Terms

By accessing or using Luminir ("Service"), operated by Luminir LLC, a limited liability company registered in England and Wales, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Service. These Terms constitute a legally binding agreement between you ("User", "you") and Luminir LLC ("Company", "we", "us"). By creating an account or using the Service, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Service

Luminir is an AI-powered security service that analyzes suspicious emails and SMS messages to help users identify potential phishing attempts, scams, and other cyber threats. Our service provides:

  • Real-time analysis of forwarded emails and SMS messages
  • AI-powered threat detection with confidence scoring
  • Verdicts categorized as safe, suspicious, or dangerous
  • Detailed threat indicators and recommendations
  • Email and SMS notifications for analysis results

3. Eligibility

You must be at least 16 years old to use this Service (or 13 years old if you reside in a jurisdiction where the minimum age for data processing consent is lower, such as the United Kingdom). By using Luminir, you represent and warrant that you meet the applicable age requirement in your jurisdiction and have the legal capacity to enter into these Terms.

4. User Accounts

To access certain features of the Service, you must create an account. You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized use
  • Providing accurate and complete registration information

We reserve the right to suspend or terminate accounts that violate these Terms, subject to providing reasonable notice except in cases of serious breach.

5. SMS Messaging Terms

When you opt-in to receive SMS messages from Luminir:

  • You consent to receive SMS messages containing analysis results for suspicious messages you submit
  • Message frequency varies based on your usage of the service
  • Message and data rates may apply depending on your mobile carrier
  • You can opt-out at any time by replying STOP to any message
  • You can also opt-out by removing your phone number from your account settings
  • For help, reply HELP to any message or contact support@luminir.io

Carriers are not liable for delayed or undelivered messages.

Your consent to receive SMS messages is not a condition of purchase.

6. Acceptable Use

You agree not to:

  • Use the Service for any illegal purpose or in violation of any laws
  • Submit content that infringes on intellectual property rights
  • Attempt to interfere with, disrupt, or overload the Service
  • Use automated systems or bots to access the Service without permission
  • Reverse engineer, decompile, or attempt to extract source code
  • Share your account credentials with third parties
  • Use the Service to send spam or unsolicited messages

7. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio clips, software, and the compilation thereof, are the exclusive property of Luminir LLC and are protected by international copyright, trademark, and other intellectual property laws.

8. Subscription and Payments

Luminir offers both free and paid subscription plans:

  • Free plan: 60 analyses per month with basic features
  • Individual plan (£3.49/month or £24.99/year): 1,000 analyses, 3 verified emails, detailed reports
  • Family plan (£5.99/month or £42.99/year): 3,000 shared analyses, up to 5 members, 10 verified emails
  • Payments are processed securely through Stripe (web) or through Apple App Store / Google Play Store (mobile)
  • Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current billing period
  • You may cancel your subscription at any time through your account settings, the App Store, or Google Play
  • Upon cancellation, you retain access to paid features until the end of the current billing period
  • For web subscriptions, you have a 14-day cooling-off period from the date of purchase under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. To request a refund during this period, contact support@luminir.io. If you have actively used the Service during the cooling-off period, a proportionate deduction may apply
  • In-app purchase refunds are subject to Apple App Store or Google Play Store refund policies

9. AI System Limitations and Disclaimers

Luminir uses artificial intelligence and machine learning algorithms that are inherently probabilistic. You acknowledge and agree that: Luminir provides risk assessments, not definitive classifications. All verdicts represent the system's probabilistic evaluation and should be treated as advisory information, not statements of fact.

  • The Service cannot and does not guarantee 100% accuracy in threat detection, classification, or analysis
  • False positives may occur when the system identifies legitimate messages as potentially malicious
  • False negatives may occur when the system fails to detect a genuine threat
  • Detection capabilities may vary across languages, regions, and evolving threat landscapes
  • AI model performance may change as models are updated or new data patterns emerge
  • The Service may not recognize all phishing patterns, brand impersonations, or social engineering techniques

You agree to implement appropriate human oversight and review processes for all AI-generated security assessments. You shall not rely solely on automated classifications without implementing reasonable verification procedures. You remain solely responsible for validating AI outputs and making final decisions regarding message security.

10. Limitation of Liability

Luminir provides analysis results as informational guidance only. We do not guarantee 100% accuracy in threat detection. To the maximum extent permitted by applicable law: Users acknowledge that Luminir's analysis constitutes a risk assessment tool and not a guarantee of message authenticity or malicious intent.

  • The Service is provided "as is" without warranties of any kind, express or implied
  • We are not liable for any indirect, incidental, special, consequential, or punitive damages
  • We are not responsible for actions you take or fail to take based on our analysis results
  • Our total liability shall not exceed the amount you paid for the Service in the past 12 months
  • We are not liable for false positive classifications that incorrectly identify legitimate communications as threats
  • We are not liable for false negative classifications that fail to identify actual threats
  • We are not liable for missed threats due to system limitations or evolving attack methodologies
  • Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law

11. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Luminir LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of the Service in breach of these Terms, or reliance on AI-generated assessments without appropriate verification. This clause does not apply to the extent that it would override your statutory rights as a consumer.

12. AI Transparency and Automated Decision-Making

In compliance with applicable regulations including the UK AI regulatory framework, UK GDPR Article 22, and the EU AI Act (where applicable):

  • Luminir uses automated processing to analyze messages and generate threat assessments
  • Confidence scores (0-100) indicate the system's assessment level, not absolute certainty
  • You have the right to request human review of any automated assessment
  • You may contact us to understand the logic involved in automated decision-making
  • Analysis results do not produce legal effects and are advisory in nature only

You may opt out of automated notifications at any time through your account settings. This does not affect the availability of on-demand analysis.

13. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to the practices described in our Privacy Policy.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. For material changes, we will provide at least thirty (30) days' prior notice via email to the address associated with your account or through a prominent notice within the Service. Your continued use of the Service after the effective date of the modified Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must stop using the Service and may delete your account. Material changes affecting your statutory rights may require your explicit consent.

15. Termination

We may terminate or suspend your access to the Service for conduct that we reasonably determine violates these Terms, is harmful to other users, or is otherwise objectionable. Except in cases of serious breach, we will provide reasonable notice before termination. Upon termination: (a) your right to use the Service will cease immediately; (b) any outstanding fees remain due; (c) provisions that by their nature should survive termination shall survive, including but not limited to Sections 7 (Intellectual Property), 9 (AI Disclaimers), 10 (Limitation of Liability), 11 (Indemnification), 17 (Dispute Resolution), and 19 (Governing Law). You may terminate your account at any time by using the account deletion feature described in Section 16.

16. Account Deletion and Data Erasure

You have the right to delete your account at any time. Upon account deletion:

  • All personal data (name, email, phone number, preferences) is permanently deleted
  • Your authentication credentials are removed from our identity provider
  • Analysis history associated with your account is anonymized
  • Truly anonymized data (from which you cannot be re-identified) may be retained for service improvement and statistical purposes
  • This action is irreversible and cannot be undone

To delete your account, go to Settings > Danger zone > Delete my account.

17. Dispute Resolution

In the event of any dispute arising from or relating to these Terms or the Service, the parties agree to first attempt to resolve the dispute through good-faith negotiation. If the dispute cannot be resolved within thirty (30) days of written notice, either party may submit the dispute to mediation administered by the Centre for Effective Dispute Resolution (CEDR) in London, United Kingdom. If mediation fails within sixty (60) days, the dispute shall be submitted to the exclusive jurisdiction of the courts of England and Wales, in accordance with Section 19 (Governing Law). This clause does not affect your statutory rights as a consumer, including your right to bring proceedings in the courts of your country of residence where permitted by applicable law.

If you are an EU consumer, you may also file complaints via the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr. UK consumers may contact Citizens Advice (www.citizensadvice.org.uk) for guidance.

18. Force Majeure

Luminir LLC shall not be held liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond its reasonable control, including but not limited to: natural disasters, acts of government, pandemic, epidemic, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, cyberattacks, power outages, telecommunications failures, or disruptions to third-party cloud infrastructure providers. During such events, Luminir's obligations shall be suspended for the duration of the force majeure event.

19. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. If you are a consumer resident in the European Union, you will also benefit from any mandatory provisions of the law of your country of residence. If you are a consumer resident in Australia, nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) that cannot be excluded, restricted, or modified by agreement.

20. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms. The remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

21. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by Luminir LLC on the Service, constitute the entire agreement between you and Luminir LLC concerning the use of the Service. These Terms supersede all prior or contemporaneous communications, proposals, and agreements, whether electronic, oral, or written, between you and Luminir LLC with respect to the Service.

22. Contact Information

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

Email: support@luminir.io

Luminir LLC - London, United Kingdom