The terms that govern access to and use of the Lumanw platform, applications, APIs, and services. Please read them carefully — they form a binding agreement.
Last updated: 27 April 2026
These Terms of Service ("Terms") form a binding agreement between you and Lumanw Inc. ("Lumanw", "we", "us", or "our"). By accessing the lumanw.com website, signing up for a demo, or using any Lumanw application, API, or service (collectively, the "Services"), you agree to these Terms. If you are using the Services on behalf of an organisation, you represent that you have authority to bind that organisation, and "you" refers to both you and the organisation.
If you do not agree, do not use the Services.
Lumanw provides an AI operating system for physical commerce, including AI Operations, AI Logistics, AI Commerce, AI Credit, and AI Insights, along with related applications, dashboards, APIs, and integrations. Specific features, service levels, and commercial terms applicable to each customer are set out in an order form, master services agreement, or equivalent commercial document. Where those documents and these Terms conflict, the commercial document prevails.
You must provide accurate and complete information when registering, keep your credentials secure, and promptly notify us of any unauthorised access. You are responsible for activity carried out under your account. You must be at least 18 years old, or the age of majority in your jurisdiction, and capable of entering into a binding contract.
You agree not to: (a) use the Services in violation of any applicable law; (b) infringe the intellectual property, privacy, or other rights of any person; (c) upload malware or attempt to compromise the security of the Services; (d) reverse engineer, decompile, or attempt to derive source code, except to the extent expressly permitted by law; (e) probe, scan, or test the vulnerability of the Services without authorisation; (f) interfere with other customers' use of the Services; or (g) use the Services to send unsolicited communications or to defraud, harass, or harm any person.
You retain all rights in the data you submit, upload, or generate through the Services ("Customer Data"). You grant Lumanw a worldwide, non-exclusive licence to host, process, and use Customer Data solely as necessary to provide and improve the Services, deliver analytics, and meet legal obligations. We may use de-identified, aggregated data derived from Customer Data to operate, train, and improve our AI models and to produce market intelligence, provided no individual or business is reasonably identifiable from the result.
Our handling of personal information is described in the Privacy Policy, which forms part of these Terms.
Fees, billing frequency, currency, and payment terms are specified in your order form or invoice. Unless otherwise stated, fees are exclusive of taxes and are non-refundable. Late payments may be subject to interest at the lower of 1.5% per month or the maximum permitted by law. We may suspend access to the Services for accounts in material payment default after reasonable notice.
The Services, including all software, models, designs, documentation, and the Lumanw name and logos, are owned by Lumanw or its licensors and are protected by intellectual property laws. Subject to these Terms and your payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for your internal business purposes during your subscription. No other rights are granted by implication.
If you provide feedback or suggestions, you grant us a perpetual, royalty-free licence to use them to improve the Services.
The Services may interoperate with third-party services — including payment processors, mobile money operators, partner banks, mapping providers, and identity verification vendors. Your use of those services is governed by their terms. We are not responsible for their availability, accuracy, or conduct, although we work hard to choose partners with comparable standards.
We strive to make the Services available continuously. We may, however, perform scheduled maintenance, deploy updates, or experience unplanned outages. Where applicable, specific service-level commitments are set out in your order form. Except for those commitments, the Services are provided on an "as is" and "as available" basis.
To the maximum extent permitted by law, we disclaim all warranties not expressly stated in these Terms or in your order, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty arising out of course of dealing or usage of trade. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components, or that any data or output will be accurate or reliable for a specific purpose. AI-generated outputs (forecasts, recommendations, credit scores, optimised routes) are decision-support tools and should be reviewed before being acted upon.
To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data, or goodwill. Each party's total aggregate liability arising out of or relating to these Terms will not exceed the fees paid by you to Lumanw in the twelve months preceding the event giving rise to the claim. Nothing in these Terms limits liability that cannot be limited by law (including liability for fraud, gross negligence, or wilful misconduct).
You will defend, indemnify, and hold harmless Lumanw and its affiliates against any third-party claim arising from: (a) your use of the Services in violation of these Terms or applicable law; (b) Customer Data, including any claim that it infringes a third party's rights; or (c) your products, services, or operations. Lumanw will defend you against any third-party claim that the Services, as provided and used in accordance with these Terms, infringe that party's intellectual property rights, subject to standard procedural and remedy provisions.
These Terms apply for as long as you use the Services. Either party may terminate for material breach not cured within 30 days of written notice. We may suspend or terminate access immediately if you violate these Terms in a manner that creates risk for the platform, other customers, or third parties, or if required by law. On termination, your right to access the Services ceases. We will, on request and where commercially reasonable, support export of Customer Data for a defined transition period.
We may update the Services and these Terms from time to time. Material changes will be communicated through the platform or by email. Continued use of the Services after a change takes effect constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the Republic of South Africa, without regard to its conflict of laws rules. The courts of Johannesburg have exclusive jurisdiction over disputes, except that either party may seek injunctive relief in any competent court to protect intellectual property or confidential information. Where you are contracting from a different jurisdiction and a different governing law has been agreed in your order form, that order form controls.
If any provision of these Terms is held unenforceable, the remaining provisions will continue in full force. No waiver is effective unless in writing. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of substantially all of our assets. These Terms (together with any order form and the Privacy Policy) constitute the entire agreement between the parties with respect to the Services.
Questions about these Terms can be sent to legal@lumanw.com.