1. Introduction

Welcome to Lumieno Sky Ltd (“Company,” “we,” “our,” or “us”). By accessing or using our website (the “Site”) and services, you agree to be bound by these Terms and Conditions (“T&Cs”). If you do not agree, please do not use our services.

2. Definitions

– “User,” “you,” or “your” refers to any person accessing our Site.
– “Services” refer to the financial and business solutions provided by Lumieno Sky Ltd.

3. Use of the Website

3.1 You must be at least 18 years old to use our services.
3.2 You agree to use the Site lawfully and not engage in fraudulent or harmful activities.
3.3 You may not copy, distribute, or modify our content without our consent.

4. Services Provided

4.1 Lumieno Sky Ltd offers financial and business services as described on the Site.
4.2 We reserve the right to modify or discontinue any service without prior notice.

7. Intellectual Property

7.1 All content on the Site, including text, logos, and graphics, is owned by Lumieno Sky Ltd and is protected under intellectual property laws.
7.2 Users may not reproduce, distribute, or create derivative works from our content without permission.

8. Limitation of Liability

8.1 We do not guarantee uninterrupted or error-free access to our Site.
8.2 To the extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from the use of our services.

9. Termination of Service

9.1 We reserve the right to terminate or suspend your access to our services at our sole discretion if you violate these T&Cs.
9.2 You may discontinue using our services at any time by closing your account.

10. Governing Law

10.1 These T&Cs are governed by the laws of Cyprus, without regard to its conflict of law principles.

11. Amendments

11.1 We may update these T&Cs from time to time. Your continued use of our services constitutes acceptance of any changes.

12. Contact Information

For any questions or concerns, please contact us at: