General Terms and Conditions for Lumi

Last updated: 11 November 2026

1. Provider and scope

1.1 These General Terms and Conditions (Terms) apply to the use of Lumi, the AI assistant for businesses, in the browser and in the apps for iPhone, iPad, Mac, Android and Windows. The provider is Lumina Technologies, Binzallee 7, 8055 Zürich, Switzerland, theodore@getlumina.org (“Lumina”).

1.2 Lumi is meant for businesses, not for consumers. The customer is the business for which Lumi is used. Anyone who creates an account, books a plan or buys extra usage confirms that they may act for the business in doing so.

1.3 By creating an account, booking a plan or buying extra usage, the customer accepts these Terms. The customer’s own terms apply only if Lumina agrees to them in writing.

2. What Lumi provides

2.1 Lumi gives the customer AI agents that work on its behalf, for example sorting and answering emails, answering reviews, processing receipts, using websites, carrying out reminders or holding conversations. What Lumi can do in detail depends on the connected services and the customer’s settings.

2.2 Lumi uses third-party services, in particular AI models (currently from Anthropic and OpenAI), Stripe for payments, and the services the customer connects itself (e.g. Google, Microsoft, reservation and review platforms). Lumina has no control over these services and is not responsible for their availability, performance or changes.

2.3 Lumi is a new product and is developed continuously. Lumina may change, replace or discontinue features. Errors and interruptions can occur; Lumina does not owe any particular availability, response time or feature.

3. AI results and the customer’s responsibility

3.1 Lumi works with artificial intelligence. Results can be incomplete, wrong or unsuitable. The customer checks them before relying on them. Lumi is no substitute for legal, tax or accounting advice.

3.2 Lumi acts in the customer’s name and within the approvals and settings the customer chooses, such as whether emails or replies to reviews must be confirmed before they are sent. What Lumi does within this scope counts as an act of the customer. The customer is responsible for the content sent or published in its name.

3.3 The customer connects only accounts and services it is allowed to use and complies with their terms. It keeps its credentials secret and is responsible for everything done through its account and its staff’s logins.

3.4 The customer does not use Lumi for unlawful purposes, spam or deception or to infringe the rights of others, and does not try to get around Lumi’s limits, billing or security. The usage policies of the AI providers also apply to the customer.

4. Plans, usage, prices and payment

4.1 Lumi is paid in advance with a monthly plan. Each plan includes a certain amount of usage per month, made available in weekly shares (4.3). The app shows the price and how much usage a plan includes before it is booked. Lumi measures usage internally in credits; one credit equals one Rappen (CHF 0.01).

4.2 A new business may try Lumi once for seven days free of charge, with usage worth CHF 5 and without a payment method. The trial week ends by itself and does not turn into a paid plan.

4.3 A plan renews for another month every month and is charged in advance at the start of each month until the customer cancels it. A month’s usage is made available in weekly shares: from the start of the month, each week brings its part of it, a shorter last week correspondingly less. A week’s usage applies only to that week. Whatever is left at the end of the week expires; it is not carried over, not refunded and not paid out.

4.4 If the customer switches to a bigger plan, it applies at once; Lumina charges the difference for the rest of the current month pro rata. A smaller plan applies from the next month. The customer may cancel the plan in the app at any time with effect at the end of the current month; until then it keeps running. Months already paid are not refunded.

4.5 With a plan, the customer may buy extra usage. It costs more than the usage included in the plan, is used only once the week’s usage is used up and does not expire as long as the account exists. It is not refunded, not paid out and not transferred to other accounts. Credits given by Lumina count as extra usage and have no cash value.

4.6 Using the AI consumes credits, in particular the agents’ tasks, decisions, voice conversations and dictation. Consumption is based on the AI providers’ list prices, converted into Swiss francs, plus a markup. The customer can see the current state in the app under Settings → Usage & billing. Lumina may adjust prices, the markup and the usage included in the plans for future months and announces this at least 30 days in advance.

4.7 Once the week’s usage and the extra usage are used up, Lumi starts no new tasks until the customer chooses a bigger plan, buys extra usage or the next week begins. A task already running is completed. The customer owes what it costs beyond that; it is offset against later extra usage.

4.8 Payments are made via Stripe using the payment methods offered there, in Swiss francs. Lumina is currently not registered for VAT and does not charge VAT. If Lumina becomes liable for VAT, VAT will be added to future payments. If a payment for a plan cannot be collected, Lumina may pause the usage until it is paid.

4.9 If the customer charges back a payment or a payment is reversed, Lumina deducts the corresponding usage. The customer owes any negative balance that results. Lumina may suspend the account until the matter is resolved. If the chargeback is unjustified, the customer also bears the fees Lumina incurs as a result.

5. Data and access by Lumina

5.1 Lumi processes the data the customer enters or connects (e.g. emails, reviews, reservations, receipts) to carry out its tasks. Lumina processes this data on the customer’s behalf. The customer ensures that it may have this data processed in this way, including personal data of its guests and staff.

5.2 To carry out tasks, Lumi transfers content to the AI providers and to the connected services, including to countries outside Switzerland and the EU, such as the USA.

5.3 Lumina may view the customer’s conversations, tasks, questions, usage and logs in order to help the customer, find errors, prevent misuse and improve Lumi. For this, Lumina looks into conversations, tasks and questions with a reason; the customer can turn this off at any time in Lumi under Settings → Privacy. Once it is turned off, Lumina only looks in during a support case the customer allows itself, there or on a card in the chat. With a connected Google account the same applies during Lumi’s pilot phase, because the customer agrees to it before connecting; after the pilot phase Lumina then only looks in during a support case allowed this way, as Lumi’s privacy policy describes (sections 5 and 7). Lumina does not see passwords from the vault when doing so. To improve Lumi, an AI evaluates the customer’s chats within the customer’s instance, also with a connected Google account; only anonymous findings without names and guest data reach Lumina, and the customer can turn this off under Settings → Privacy. Every view of conversations, tasks and questions is logged in the customer’s account with time, name and reason; the customer sees the log under Settings → Privacy, and on request Lumina shows it to the customer. Lumina does not sell data and does not use it for advertising.

5.4 When the contract ends, Lumina deletes the customer’s data within 90 days, unless it must be kept by law (e.g. payment records).

6. Suspension and termination

6.1 The customer may cancel the plan in the app at any time with effect at the end of the current month (4.4), and may terminate the contract at any time by email to theodore@getlumina.org.

6.2 Lumina may terminate or discontinue Lumi with 30 days’ notice. Until the end of the notice period, the customer can keep using Lumi within its plan and extra usage; no later months are charged.

6.3 If the customer breaches these Terms, misuses Lumi or charges back payments without justification, Lumina may suspend the account immediately or terminate without notice.

6.4 Usage and extra usage left when the contract ends expire without refund, unless mandatory law provides otherwise.

7. Liability

7.1 Lumina is liable only for damage it causes intentionally or through gross negligence. Liability for slight negligence and, to the extent permitted by law, for auxiliary persons is excluded.

7.2 In particular, Lumina is not liable for errors in AI results, for what Lumi does within the customer’s approvals and settings, for outages or changes of third-party services, for loss of data, or for lost profit, loss of revenue and other indirect or consequential damage.

7.3 To the extent Lumina is liable, its total liability is limited to the amount the customer paid for Lumi in the twelve months before the event causing the damage.

7.4 The customer indemnifies Lumina against claims of third parties arising from the customer’s content, from acts within its approvals or from a breach of these Terms.

8. Changes to these Terms

8.1 Lumina may change these Terms and announces changes at least 30 days in advance by email or in the app. If the customer does not agree, it may terminate before then; if it continues to use Lumi afterwards, the new Terms apply.

9. Final provisions

9.1 Notices are given by email or in the app.

9.2 If a provision is invalid, the others remain in force. It is replaced by a provision that comes closest to its purpose.

9.3 Swiss law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). The place of jurisdiction is Zürich.

9.4 These Terms exist in German, English, French and Italian. The German version prevails.