Terms of Service

1.Acceptance of terms

By accessing or using the Lúmen Capital website (the “Site”), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you should not use the Site. These terms apply to all visitors, users, and others who access the Site.

2.Eligibility

You must be at least 18 years of age and authorized to act on behalf of a business to use the application features of this Site. By using the Site, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.

3.Our services

In this fictional scenario, Lúmen Capital would provide information about business financing products and a means to express interest in those products. The Site is informational and does not itself extend credit, accept deposits, or provide financial, legal, or tax advice.

• Information about funding products and how they work.
• Tools such as calculators and an application form for illustration.
• Educational content published on our Insights blog.

4.Applications & no guarantee

Submitting an application or inquiry does not create any obligation on either party and does not guarantee approval, funding, specific terms, or any particular outcome. Any rates, amounts, or terms displayed are illustrative only and are not an offer of credit. All forms on this Site are demonstrations and do not transmit, send, or store any data.

5.Fees

Use of this Site is free. In a real engagement, any fees associated with a financing product would be disclosed in a separate written agreement before you committed to anything. No fees are charged through this demonstration Site.

6.User obligations

When using the Site, you agree not to:

• Provide false, misleading, or fraudulent information.
• Use the Site for any unlawful purpose or in violation of these terms.
• Attempt to gain unauthorized access to the Site or its related systems.
• Interfere with or disrupt the integrity or performance of the Site.

7.Disclaimers

The Site and all content are provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

8.Limitation of liability

To the fullest extent permitted by law, Lúmen Capital and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or relating to your use of the Site, even if advised of the possibility of such damages.

9.Governing law

These terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Travis County, Texas.

10.Changes to terms

We may revise these terms from time to time at our sole discretion. The most current version will always be posted on this page with an updated “Last updated” date. Your continued use of the Site after changes take effect constitutes acceptance of the revised terms.

11.Contact us

Questions about these terms? Reach us at hello@lumencapital.com, by phone at (800) 558-6361, or by mail at 600 Beacon Tower, Suite 1400, Austin, TX 78701. Our team is available Monday–Friday, 9am–6pm CT.