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Terms of Service

These Terms are the agreement you accept when you create a LumenUs account. They also govern your use of our website. They are written plainly on the surface and carry full legal effect underneath.

Last updated July 2026
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A note before the legal text

We wrote these Terms to be readable. Grief should not require a law degree. Each section opens with a plain-language summary in italics, followed by the binding terms. Where the two could ever seem to differ, the binding terms control. If anything here is unclear, write to us at hello@lumenus.life before you sign up, and we will explain it.

By creating an account or using LumenUs, you agree to these Terms and to our Privacy Policy. You accept them by checking the box and taking a clear action before your account is created. If you do not agree, please do not use the Service.

1.1 How you accept (clickwrap assent). You accept these Terms through a clear, affirmative action before an account is created. At sign-up you are presented with a checkbox stating that you have read and agree to these Terms of Service and our Privacy Policy, with the words "Terms of Service" and "Privacy Policy" shown as working hyperlinks to those documents. The checkbox is not pre-checked. You must check the box and then take the affirmative action to create your account. By checking the box and completing account creation, or by otherwise accessing or using the LumenUs platform, applications, and website (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms") and by our Privacy Policy and Consumer Health Data Privacy Policy, each incorporated by reference.

1.2 On behalf of others. If you are using the Service on behalf of another person or an organization, you represent that you have authority to bind them, and "you" includes them.

1.3 What is included in these Terms. These Terms contain an arbitration agreement, a class-action waiver, a jury-trial waiver, a limitation of liability, and an assumption of risk (Sections 20, 21, and 24). Please read them. You may opt out of arbitration as described in Section 24.

LumenUs Platform, Inc. operates LumenUs.

The Service is operated by LumenUs Platform, Inc., a Delaware corporation with its principal operations in California. References to "LumenUs" mean LumenUs Platform, Inc., its successors, and its permitted assigns.

You must be an adult (18 or older) to use LumenUs. We may ask you to confirm your age.

You must be at least 18 years of age and have the legal capacity to enter into a binding contract. By using the Service you represent and warrant that you meet these requirements. The Service is intended for adults navigating loss or supporting someone who is. At sign-up we apply a hard age gate that requires your date of birth together with an affirmative attestation that you are 18 or older. We do not knowingly permit anyone under 18 to create an account, and we do not knowingly collect personal information from anyone under 13 (COPPA). We reserve the right to request reasonable proof of age at any stage, and to suspend or close any account we believe belongs to a person under 18.

Crisis resources (Section 5) remain freely available to anyone, regardless of age or account status, and are never gated.

LumenUs is grief support: emotional tools, practical guidance, an AI support feature, a marketplace of professionals, and an optional human care team. It is not therapy, medical, legal, or financial care, and it is not an emergency service.

4.1 What the Service provides. LumenUs offers, depending on the features and tier you use: self-guided emotional support practices grounded in established, evidence-based grief research; practical guidance, checklists, and document organization for the tasks that follow a loss; an artificial-intelligence support feature; a marketplace connecting you with independent professionals (such as therapists, estate attorneys, financial advisors, and funeral professionals); an optional human Concierge care team; and informational tools that help you identify potential survivor benefits.

4.2 What the Service is not. LumenUs is grief support. It is not a substitute for professional care of any kind. Specifically, and to the maximum extent permitted by law:

(a) LumenUs is not a licensed healthcare provider, medical practice, mental-health provider, law firm, or financial-advisory firm, and it does not provide medical, psychiatric, psychological, therapeutic, legal, tax, or financial advice. Nothing in the Service is such advice. Our emotional support tools are clinically-informed and evidence-based, which means they draw on established grief research; they are not clinical treatment, diagnosis, or therapy.

(b) No professional relationship is created between you and LumenUs by your use of the Service. No physician-patient, therapist-client, attorney-client, fiduciary, or similar relationship is formed, and no communication through the Service is protected by physician-patient privilege, attorney-client privilege, or the work-product doctrine.

(c) LumenUs is not a crisis line, suicide-prevention service, emergency service, or monitoring service. See Section 5.

(d) You should always consult a qualified, licensed professional for medical, mental-health, legal, tax, or financial matters specific to your situation.

LumenUs cannot help in an emergency. If you are in danger or in crisis, stop and call 911 or 988 now. We do not watch your account, and we are not obligated to step in or to contact anyone for you.

THE SERVICE IS NOT FOR EMERGENCIES. IF YOU ARE EXPERIENCING A MEDICAL OR MENTAL-HEALTH EMERGENCY, OR IF YOU ARE THINKING ABOUT SUICIDE OR ABOUT HARMING YOURSELF OR OTHERS, DO NOT USE THE SERVICE. CALL 911 IMMEDIATELY, OR CALL OR TEXT THE 988 SUICIDE AND CRISIS LIFELINE, OR TEXT HOME TO 741741 (CRISIS TEXT LINE), OR GO TO THE NEAREST EMERGENCY ROOM.

The Service includes an automated feature that may detect possible indicators of acute distress and surface these crisis resources. This feature is a supplementary aid, not a clinical tool, and it cannot and does not reliably detect crisis, suicidal ideation, or self-harm, and is not guaranteed to identify any given situation. You must not rely on the Service to detect or respond to an emergency. If you are in crisis you must discontinue use of the Service and contact emergency services directly. Crisis resources are always available at no cost and are never placed behind a paywall, subscription, or feature tier.

No duty to monitor or intervene. LumenUs does not monitor accounts for crisis, and LumenUs is under no obligation to intervene, to contact emergency services, or to notify any person. Any action or inaction by the automated crisis feature, including whether it surfaces a resource in any given situation, creates no duty of any kind on the part of LumenUs, and you must not rely on it. Our published crisis-support protocol describes what the automated feature does; it does not promise any safety outcome.

Related privacy terms. How we handle information that may relate to crisis, distress, or safety, including any limited disclosures we may make and how such information is treated, is described in our Privacy Policy at Sections 7 and 8. Those sections and this Section are meant to be read together.

You are talking to software, not a person. It is a support tool with real limits. It will never pretend to be the person who died, and it will never claim to have grieved.

6.1 You are interacting with AI. When you use our AI support feature or other AI features, you are interacting with artificial-intelligence software, not a human being and not a licensed professional. AI does not replace human judgment and is intended solely as a support tool. Consistent with applicable AI-disclosure laws, including California's companion-chatbot law (SB 243), we clearly and conspicuously disclose that you are interacting with AI, we provide a recurring in-session reminder that you are interacting with AI, and we publish our crisis-support protocol. Because the Service is restricted to adults (Section 3), the additional protections those laws require for minors are addressed through that age restriction.

6.2 Limitations. AI is a developing technology. It can produce responses that are inaccurate, incomplete, outdated, or inappropriate, including for a person in a vulnerable emotional state. You should independently verify anything you rely on, and you accept these risks when you use AI features.

6.3 What the AI will not do. Our AI does not provide therapy, diagnosis, or medical, legal, or financial advice. It is not a crisis counselor. It will never simulate, impersonate, or speak as the person who died, and it does not and cannot claim to have personally experienced grief.

6.4 Your AI content. Conversations with AI features are processed and stored as described in our Privacy Policy. We do not use the content of your conversations to serve advertising, and we do not sell it. Any use of de-identified data to improve the Service is governed by the Privacy Policy and the consents you provide there.

Keep your login safe. You are responsible for what happens under your account.

You agree to provide accurate, current, and complete registration information and to keep it updated. You are responsible for safeguarding your credentials and for all activity under your account, and you must notify us promptly at hello@lumenus.life of any unauthorized use. We may suspend or terminate an account that violates these Terms or that we reasonably believe poses a risk to the Service or to others.

You can invite people to support you, with limits you control. If you invite someone, you confirm you have the right to share what you share.

The Service allows a person to form a "Circle" and to invite other people ("Supporters") to help, with scoped permissions that the inviting person controls. If you invite a Supporter or accept an invitation, the following apply:

(a) The person who owns the Circle controls what each Supporter can see and do. We segregate access by member and by permission level.

(b) If you invite a Supporter or otherwise share information about another person (including the person who died, family members, or other co-grievers), you represent that you have the authority and any necessary consent to share that information through the Service.

(c) A Supporter is a separate user and a data subject in their own right, and a Supporter who enters information about others is responsible for having the authority to do so.

(d) Information you choose to share within a Circle may be visible to the Supporters you have authorized. Your private content, including journal entries and AI conversations, is not shared with Supporters unless you explicitly choose to share specific items. See the Privacy Policy for details.

9. Your content, and data about a person who died

What you create is yours. We need limited permission to operate the Service for you. Because you may give us information about someone who has died, this section sets out who is responsible for that.

9.1 Ownership. You retain ownership of the content you submit, including journal entries, reflections, uploaded documents, and conversation history ("Your Content").

9.2 License to operate. You grant LumenUs, and our service providers acting on our behalf, a limited, non-exclusive, worldwide, royalty-free license to host, store, process, display back to you, and otherwise use Your Content solely to provide, secure, and improve the Service for you, and as described in the Privacy Policy. We do not sell Your Content, and we do not use it for advertising.

9.3 Data about a person who died, and about other people. The Service is designed to hold information about the person you lost and, at times, about other living people (such as members of your Circle). You represent and warrant that you have the authority to provide that information to LumenUs and to use the Service in connection with it, including any authority required under applicable digital-asset, estate, or privacy law. You agree to indemnify LumenUs as set out in Section 22 for claims brought by any other family member, co-griever, heir, estate, or third party arising from information you provide about a person who died or about another living person. On account closure, information about a person who died is handled as described in Section 23 and the Privacy Policy.

9.4 Your content warranty. You represent and warrant that Your Content, and our use of it as permitted by these Terms, does not and will not infringe, misappropriate, or violate any third party's intellectual-property rights, privacy rights, or rights of publicity, and does not and will not violate any applicable law or any third party's rights.

9.5 Responsibility for Your Content. You are responsible for Your Content. LumenUs does not endorse and is not responsible for the accuracy of user-submitted content.

We help you find independent professionals. We are not their employer, and your relationship with them is separate from your relationship with us.

(a) We facilitate connections only. LumenUs lists and helps match you with independent third-party professionals. LumenUs is not an employer, employment agency, staffing agency, or party to any care, legal, financial, or professional relationship between you and a professional, and does not employ, supervise, direct, or control the professionals or the services they provide.

(b) No responsibility for professionals. LumenUs is not responsible for the acts, omissions, advice, conduct, qualifications, or services of any professional, whether provided on or off the platform. Your engagement with any professional is governed by that professional's own terms and professional obligations, and any dispute is between you and that professional.

(c) Screening is not a guarantee. Where LumenUs performs verification of certain professional information, that verification is limited and is not a guarantee of a professional's suitability, qualifications, conduct, or the outcome of any engagement. You should not rely on any verification as complete, current, or conclusive, and you are responsible for evaluating and selecting any professional. We display verification information honestly and will not represent a check we did not perform.

(d) No outcome warranty. LumenUs does not warrant any particular result, health outcome, or resolution from any professional or from the Service.

(e) Release. To the maximum extent permitted by law, you release LumenUs and its affiliates from claims arising out of the acts, omissions, or conduct of any professional or of any other user.

If you use Concierge support, you are working with LumenUs team members who help you navigate, not licensed clinicians, lawyers, or advisors.

Certain tiers offer support from a human LumenUs care team. The care team provides non-clinical navigation, organization, and emotional support. They are LumenUs personnel, not independent marketplace professionals. The care team does not provide medical, mental-health, legal, tax, or financial advice, does not create any professional or fiduciary relationship, and does not guarantee any outcome. Where specialized professional services are needed, the care team will help connect you with independent professionals under Section 10.

Everything we surface to help you act, the task lists, checklists, care-plan steps, eligibility and benefits lists, document templates, deadlines, and recommendations, is information to help you decide. It is not professional advice, and it is not a complete or authoritative statement of your obligations or entitlements.

LumenUs provides practical guidance to help you navigate the tasks that can follow a loss. All of it, including any list of steps to take, documents to gather, deadlines, benefits you may be eligible for, professionals you might contact, or actions a checklist or care plan suggests, is informational only and does not constitute legal, financial, tax, medical, or other professional advice, and using it creates no professional or advisory relationship. We do not represent that any list, checklist, or care plan is complete, current, accurate for your situation, or sufficient to satisfy any legal or procedural requirement. You are responsible for verifying what applies to you and for any decision you make, and you should consult a qualified, licensed professional for advice about your specific circumstances.

Benefits and eligibility specifically. Where we help you identify potential benefits, that is informational only. LumenUs does not guarantee eligibility for or receipt of any benefit. Actual eligibility and amounts are determined solely by the relevant government agency, insurer, or organization, and you are responsible for confirming and applying for them. LumenUs is not liable for any benefit you do not receive.

The Vault stores important documents for you. You are responsible for what you upload, and we do not certify that any document is legally sufficient.

The Vault lets you store documents such as certificates, insurance, and legal and financial records. You are responsible for the documents you upload and for keeping your own copies. Access controls such as a PIN limit access within the Service but are not a representation of any specific encryption standard beyond what the Privacy Policy describes. LumenUs does not review documents for legal sufficiency, validity, or completeness, and storing a document in the Vault does not make it legally effective. Access to a deceased account holder's Vault or account by another person is governed by applicable digital-asset law, including the Revised Uniform Fiduciary Access to Digital Assets Act and California Probate Code sections 870 through 884. Any in-product legacy or Circle designation you set takes precedence to the extent that law allows; otherwise we require appropriate legal authority, such as letters of administration or a court order, before transferring access to another person.

Free features stay free, including crisis resources. We do not offer paid plans at this time. If we introduce paid or gift subscriptions later, the price and terms will be shown clearly before you are charged, paid plans will renew until you cancel, and you will be able to cancel online the same way you signed up.

14.1 Free features. Certain features, and all crisis resources, are available at no cost.

14.2 Paid plans. We do not offer paid subscriptions or gift subscriptions at this time. If and when we introduce them, the price, tiers, billing frequency, recurring charge, and cancellation method will be presented clearly and conspicuously at the point of purchase before you are charged, and the automatic-renewal protections in Section 14.3 will apply.

14.3 Automatic renewal and the California Automatic Renewal Law. Where a plan renews automatically:

(a) Clear disclosure before purchase. Before you subscribe, we present the automatic-renewal terms in a clear and conspicuous manner, in visual proximity to the action that starts the subscription, including that the subscription continues and renews at the then-current price until you cancel, the recurring charge amount or the range of charges, the billing frequency, and the length of the term.

(b) Affirmative consent. We obtain your affirmative consent to the automatic-renewal terms before charging you.

(c) Acknowledgment. After you subscribe, we provide an acknowledgment that includes the automatic-renewal terms, the cancellation policy, and information on how to cancel, in a form you can retain.

(d) Then-current price and change notice. The plan renews at the then-current price. If a material term changes, or if the price increases, we will provide the notice the California Automatic Renewal Law and other applicable automatic-renewal laws require before the change takes effect.

(e) Free trials and promotions. Any free trial or promotional price that converts to a paid plan requires your express affirmative consent to that conversion, and we will disclose how and when the plan converts and the price that will apply.

14.4 Cancellation (click to cancel). You may cancel at any time. You may cancel online, through the same medium you used to subscribe, in a manner that is at least as simple as the method you used to start the subscription, with no additional retention steps or offers required before cancellation takes effect (click to cancel), consistent with the California Automatic Renewal Law as amended (AB 2863) and applicable click-to-cancel requirements. On cancellation, access continues through the end of the paid period unless a refund applies. We retain proof of your consent and of the disclosures for the period the law requires.

14.5 Refunds. If you are not satisfied, contact us within fourteen (14) days of a charge and we will provide a refund as described at purchase. Refunds outside that window are handled as described at purchase and as required by law.

14.6 Gift subscriptions. A gift subscription is a prepaid, fixed-term purchase. By default a gift subscription does not automatically renew; it provides access for the term purchased and then ends unless the recipient separately chooses to start a paid subscription of their own. The following apply:

(a) Recipient assent. The person who receives a gift must create an account (or use an existing account), meet the eligibility requirements in Section 3, and separately assent to these Terms before using the gifted access. A purchaser cannot bind the recipient to these Terms; the recipient accepts them for themselves.

(b) Purchaser and recipient roles. The purchaser pays for the gift and receives purchase confirmation. The recipient is the user of the gifted access and is subject to these Terms as a user. The purchaser does not gain access to the recipient's account or content by purchasing a gift.

(c) Unredeemed gifts. If a gift is not redeemed, it is handled as described at purchase, subject to applicable law. Any expiration or redemption terms are disclosed at purchase and applied consistent with applicable gift-certificate and gift-card law.

(d) No cash value. Gift subscriptions have no cash value except where required by law, are not redeemable for cash, and cannot be resold.

(e) Refunds on gifts. The refund window in Section 14.5 applies to the gift purchase as described at purchase.

14.7 Payment processing. Payments are handled by a third-party processor (such as Stripe). We do not store full card numbers. Your use of the processor is subject to its terms.

Use LumenUs for its purpose. Do not misuse it or harm others.

You agree not to: use the Service for any unlawful purpose; misrepresent your identity, age, or relationship to a person who died (including to obtain benefits information); access or attempt to access another user's account or data; harass, abuse, or harm others; upload malicious code; scrape, reverse-engineer, decompile, or extract source code or data except as permitted by law; use the Service to build a competing product; circumvent access controls or usage limits; or interfere with the operation or security of the Service. A fuller description of prohibited conduct is set out in our Acceptable Use Policy, which is incorporated by reference. We may suspend or remove accounts that violate these rules.

The LumenUs platform and brand are ours. Your content stays yours.

The Service, including its software, design, content, features, and the "LumenUs" name and wordmark, is owned by LumenUs Platform, Inc. and protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended personal purpose. If you send us feedback or suggestions, you grant us a non-exclusive, royalty-free, perpetual license to use them to improve the Service. As between you and LumenUs, you own the content you create with the help of AI features, such as a reflection, letter, or eulogy you compose, subject only to the limited license in Section 9.2. We do not claim ownership of those outputs.

If you believe content on LumenUs infringes your copyright, tell us and we will act. We follow the standard federal notice-and-takedown process.

LumenUs respects intellectual-property rights and responds to notices of alleged copyright infringement consistent with the Digital Millennium Copyright Act, including 17 U.S.C. Section 512(c). We maintain a repeat-infringer policy and, in appropriate circumstances, will disable or terminate the accounts of users who are repeat infringers.

17.1 Designated agent. Notices of claimed copyright infringement should be sent to our designated agent:

LumenUs Platform, Inc. Attn: DMCA Agent Email: hello@lumenus.life Mailing address:

17.2 Notice of infringement. A valid notice under 17 U.S.C. Section 512(c)(3) must include: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of the copyright; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the material that is claimed to be infringing and information reasonably sufficient to let us locate it; (d) your contact information, including address, telephone number, and email; (e) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

17.3 Notice-and-takedown. On receipt of a valid notice, we will act expeditiously to remove or disable access to the material claimed to be infringing, and we will take reasonable steps to notify the user who posted it.

17.4 Counter-notice. If you believe your material was removed or disabled by mistake or misidentification, you may send a counter-notice to our designated agent that includes: (a) your physical or electronic signature; (b) identification of the material that was removed or disabled and the location at which it appeared before removal; (c) a statement, under penalty of perjury, that you have a good-faith belief the material was removed or disabled as a result of mistake or misidentification; and (d) your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal district court for the judicial district in which your address is located (or, if your address is outside the United States, any judicial district in which we may be found), and that you will accept service of process from the person who filed the original notice or that person's agent. Consistent with the DMCA, we may restore the removed material if the original complainant does not file an action seeking a court order against you within the statutory period.

17.5 Repeat-infringer policy. We will, in appropriate circumstances and in our discretion, disable or terminate the accounts of users who are found to be repeat infringers.

17.6 Misrepresentation. Under 17 U.S.C. Section 512(f), any person who knowingly materially misrepresents that material is infringing, or that it was removed or disabled by mistake or misidentification, may be liable for damages.

We rely on trusted vendors and link to outside resources. We are not responsible for what they do.

The Service integrates with third-party providers (for hosting, AI processing, payments, email, and similar functions) and may link to third-party resources, including crisis lines. We are not responsible for the content, practices, or availability of third parties, and your use of them may be governed by their own terms. The third parties we rely on to process personal data are listed in our subprocessor list referenced in the Privacy Policy.

The Service is provided as is. We do not promise it is error-free, and nothing in it is professional advice.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY CONTENT, INCLUDING AI-GENERATED CONTENT, IS ACCURATE, COMPLETE, OR SUITABLE FOR YOUR SITUATION. NOTHING IN THE SERVICE CONSTITUTES MEDICAL, MENTAL-HEALTH, LEGAL, TAX, OR FINANCIAL ADVICE.

Because you may use an AI service while grieving, this section asks you to understand and accept specific risks.

BY USING THE SERVICE YOU ACKNOWLEDGE AND AGREE THAT:

(a) The Service uses artificial intelligence that may generate responses that are inaccurate, incomplete, inappropriate, or potentially unhelpful to a person in a vulnerable emotional state, including a person experiencing grief, depression, or suicidal thoughts.

(b) The AI cannot reliably detect suicidal ideation, self-harm, or crisis. The automated crisis feature is a supplementary aid only and is not guaranteed to identify or respond to any crisis. You must not rely on the Service to detect or respond to a mental-health emergency.

(c) You voluntarily assume the risk of using the Service, including AI features, while in a vulnerable emotional state, and your use is at your own risk.

(d) If you are experiencing suicidal thoughts, self-harm urges, or any emergency, you must immediately discontinue use of the Service and contact emergency services (911), the 988 Suicide and Crisis Lifeline, or the Crisis Text Line (text HOME to 741741). The Service is not equipped to provide emergency intervention.

(e) You have been advised to seek, and the Service is not a substitute for, professional mental-health, medical, legal, or financial care.

This acknowledgment is a material part of the consideration for our providing the Service. The safety measures we choose to provide are voluntary best efforts and do not create any fiduciary, therapeutic, provider-patient, or heightened duty of care beyond what applicable law requires.

There are limits on what we can be responsible for, and a cap on damages. Some harms cannot be limited by law, and we do not try to.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUMENUS PLATFORM, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIVE HUNDRED DOLLARS ($500). THIS LIMITATION APPLIES TO YOU AND TO YOUR HEIRS, SUCCESSORS, ESTATE, AND ANY AUTHORIZED SUPPORTERS OR DEPUTIES ACTING THROUGH YOUR ACCOUNT.

NOTHING IN THESE TERMS LIMITS OR EXCLUDES LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE (CONSISTENT WITH CALIFORNIA CIVIL CODE SECTION 1668), OR FOR FRAUD, FRAUDULENT MISREPRESENTATION, GROSS NEGLIGENCE, OR WILLFUL MISCONDUCT. THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO ANY LIABILITY THAT APPLICABLE LAW DOES NOT PERMIT US TO LIMIT, AND THEY ARE SEVERABLE SO THAT IF ANY PORTION IS HELD UNENFORCEABLE THE REMAINDER CONTINUES TO APPLY.

If your use of LumenUs causes a claim against us, you agree to cover it, with fair exceptions.

You agree to defend, indemnify, and hold harmless LumenUs Platform, Inc. and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: your use or misuse of the Service; your violation of these Terms or of any law or third-party right; Your Content; or information you provide about a person who died or about another living person. This obligation does not apply to liabilities arising from LumenUs's own gross negligence, willful misconduct, or fraud. We may assume the exclusive defense and control of any matter subject to indemnification, and you will not settle any such matter without our prior written consent.

You can leave anytime. We can suspend accounts that break the rules. Some terms survive.

You may close your account at any time. On closure, your data is handled as described in the Privacy Policy, including any grace period and the fact that deletion may be completed over a defined period and that limited records may be retained as required by law or for safety. You may request an export of your data before closure. We may suspend or terminate your access for violation of these Terms or to protect the Service or others, and we may discontinue the Service with reasonable notice. The following survive termination: Sections 4, 5, 6, 9, 10, 11, 12, 13, 17, 19, 20, 21, 22, 24, 25, 27, 28, and 29, and any other provision that by its nature should survive.

If we disagree, we try to resolve it directly first. If that fails, most disputes go to individual arbitration, not court, and not as a class. You can opt out within 30 days.

24.1 Informal resolution first. Before starting any arbitration or lawsuit, you agree to first contact us at hello@lumenus.life and attempt in good faith to resolve the dispute for at least 30 days. This is a precondition to either party starting arbitration or a lawsuit.

24.2 Binding individual arbitration, and its scope. This arbitration agreement is limited to disputes arising out of or relating to these Terms or your use of the Service, and does not extend to unrelated transactions, products, affiliates, or relationships, consistent with California law that limits consumer arbitration to claims arising from the specific service provided (Senate Bill 82, effective 2026). For a covered dispute that is not resolved informally, it will be settled by binding individual arbitration administered by JAMS under its applicable consumer rules then in effect, rather than in court, except as stated below. If JAMS is unavailable or declines to administer the arbitration, the arbitration will be administered by the American Arbitration Association (AAA) under its applicable consumer arbitration rules then in effect. The arbitration will be seated in San Francisco County, California, and may be conducted by video, by telephone, or in writing where the administrator's rules permit. The arbitrator decides all issues, including issues of arbitrability, except that a court of competent jurisdiction, and not an arbitrator, will decide any challenge to the enforceability of the class-action waiver in Section 24.3. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

24.2.1 Mass arbitration. Where 25 or more similar arbitration demands are filed by or with the coordination of the same counsel or coordinated counsel, the parties agree those demands will be administered as a single coordinated proceeding under the administrator's mass-arbitration procedures and guidelines, including the appointment of a process arbitrator, staged or bellwether handling, and the associated batched-fee provisions, to deter abusive mass filing while preserving each person's individual rights and each person's right to an individual determination. Filing or arbitration fees will not be assessed against any party until the demands proceed past the initial staging contemplated by those procedures.

24.2.2 Relationship between the mass-arbitration clause and the class-waiver blow-up. These two provisions govern different situations and are not in conflict. Section 24.2.1 (mass arbitration) governs the administration of 25 or more coordinated demands that remain in arbitration. Section 24.3 (the class-action waiver blow-up) governs only a claim as to which the class-action waiver is held unenforceable and which therefore proceeds in court. Where coordinated demands remain in arbitration, Section 24.2.1 controls their administration; the Section 24.3 blow-up does not apply to those demands.

24.3 Class-action and jury waiver. You and LumenUs agree to bring claims only in an individual capacity and not as a plaintiff or class member in any class, collective, or representative proceeding, and each party waives any right to a jury trial. If the class-action waiver is found unenforceable as to any claim, then the arbitration agreement will not apply to that claim, and that claim alone will proceed in court.

24.4 Carve-outs. Either party may bring a qualifying claim in small-claims court, and either party may seek injunctive relief to protect intellectual property or confidential information in court. In addition, this arbitration agreement does not require arbitration of any claim that applicable law does not permit to be subject to a pre-dispute arbitration agreement, including, where applicable, certain claims for personal injury, which may proceed in court. Nothing in this Section waives any right that cannot be waived under applicable law.

24.5 Arbitration costs. For any individual (non-mass) claim where the amount in dispute is ten thousand dollars ($10,000) or less, LumenUs will pay the arbitration filing, administrative, and arbitrator fees, except for any fee the arbitrator determines was incurred in connection with a claim or defense found to be frivolous or brought for an improper purpose under the standard of Federal Rule of Civil Procedure 11(b). Each party otherwise bears its own attorneys' fees and costs, except where a statute or the arbitrator's award provides otherwise. This Section is intended to preserve the enforceability of this arbitration agreement under California law.

24.6 Opt-out. You may opt out of this arbitration agreement by sending written notice to hello@lumenus.life within 30 days of first accepting these Terms. Opting out does not affect the other parts of these Terms.

24.7 Time limit. Any claim must be brought within one (1) year after it arises, to the extent permitted by law, or it is permanently barred.

24.8 Notice of dispute. Notice of a dispute must be sent to hello@lumenus.life and, if requested, by mail to our address in Section 32.

California for consumer matters. Delaware for corporate and business-to-business matters.

These Terms are governed by the substantive laws of the State of California, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 24. For any consumer matter not subject to arbitration, the parties consent to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California. The internal corporate affairs of LumenUs Platform, Inc., and any separately negotiated business-to-business, partner, or data-processing agreement that so provides, are governed by the laws of the State of Delaware, with venue as set out in the applicable agreement.

California law requires us to give you this notice.

Under California Civil Code Section 1789.3, California residents are entitled to the following consumer-rights notice. The provider of the Service is LumenUs Platform, Inc., . If you have a question or complaint regarding the Service, you may contact us at hello@lumenus.life. California residents may also reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Boulevard, Suite N-112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

You agree to receive these Terms, disclosures, and legal notices electronically.

By creating an account or using the Service, you consent to receive these Terms, all disclosures, agreements, notices, and records related to the Service, including automatic-renewal and California Automatic Renewal Law notices, billing and cancellation acknowledgments, changes to these Terms, and other legal notices, in electronic form, by email to the address associated with your account or by posting within the Service. You agree that this electronic delivery satisfies any legal requirement that such communications be provided in writing, consistent with the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and comparable state law. You may withdraw your consent to receive communications electronically by closing your account, though this may end your ability to use the Service. To receive a paper copy of a communication, or to update the email address to which we send communications, contact us at hello@lumenus.life. You are responsible for keeping your email address current. To access and retain electronic communications, you need a device with internet access, a current web browser, and the ability to receive email and to view and save documents in common formats.

You confirm you are legally allowed to use the Service.

You represent and warrant that you are not a person with whom United States persons are prohibited from dealing under applicable export-control and economic-sanctions laws, including that you are not located in, ordinarily resident in, or a national of any country or territory subject to comprehensive United States sanctions, and that you are not listed on any United States government list of prohibited or restricted parties, including the U.S. Treasury Department's Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons List. You agree not to use or export the Service in violation of United States export-control or sanctions laws.

During our early-access period, launch-cohort users are trying a pre-launch service that is still being refined.

If you are participating in a launch cohort, early-access group, beta, or design program, you acknowledge that the Service is a pre-launch offering that may be incomplete, may contain errors, and may change or be discontinued. Features may be added, changed, or removed, and availability, performance, and data handling may differ from the generally available Service. Early-access and beta participation is provided "as is" under Section 19, and the disclaimers, assumption of risk, and limitation of liability in these Terms apply in full. We may contact early-access participants for feedback, and any feedback you provide is subject to Section 16. We will tell early-access and launch-cohort participants that they are using a pre-launch service. This Section applies only to users identified as launch-cohort, early-access, beta, or design-program participants.

We may update these Terms. For significant changes, we will give you notice in advance.

We may update these Terms from time to time. For material changes, we will provide notice by email or in-app at least 30 days before they take effect, unless a shorter period is required to address a legal or security issue. Continued use of the Service after changes take effect constitutes acceptance. If you do not agree, you may close your account.

31.1 Entire agreement and severability. These Terms, together with the Privacy Policy, the Consumer Health Data Privacy Policy, and the Acceptable Use Policy, are the entire agreement between you and LumenUs regarding the Service. If any provision is found unenforceable, the rest remain in effect.

31.2 Waiver and assignment. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

31.3 Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

31.4 Notices. Notices to you may be provided by email to the address on your account or by posting within the Service, and notices to us must be sent as set out in Section 24 and Section 32.

31.5 Release of unknown claims (California Civil Code Section 1542). With respect to any claim you release under these Terms, you waive the protections of California Civil Code Section 1542 and any similar law, which provides that a general release does not extend to claims that the releasing party does not know or suspect to exist in its favor at the time of release and that, if known, would have materially affected the settlement.

31.6 Interpretation; headings; language. Section headings are for convenience only and do not affect the interpretation of these Terms. These Terms are drafted in the English language, and the English-language version controls. Any translation is provided for convenience only, and in the event of any conflict the English-language version governs.

31.7 App-store terms. If you obtain the LumenUs application through the Apple App Store or the Google Play Store, you also agree to the applicable store's terms, the store is not responsible for the Service, and the store is a third-party beneficiary entitled to enforce these Terms against you. No other person is a third-party beneficiary of these Terms.

LumenUs Platform, Inc. General: hello@lumenus.life Legal, arbitration opt-out, and DMCA notices: hello@lumenus.life Privacy: hello@lumenus.life Security: hello@lumenus.life Mailing address:

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