Effective Date: October 2023 (Updated August 2025)

1. Acceptance of Terms

By accessing or using the services provided by Lumino Payment Processing, owned and operated by Lumino Technologies, Inc. (hereafter referred to as "the Service"), you agree to be bound by these Terms of Service. If you do not agree with these terms, do not use the Service.

2. Service Description

Lumino Payment Processing offers merchant services, payment processing solutions, and related features to businesses and individuals.

3. Privacy Policy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the terms of our Privacy Policy. The Privacy Policy includes details regarding the collection, use, and protection of your information, including SMS opt-in and opt-out procedures.

4. Registration and Account Security

To access certain features of the Service, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information and agree to notify us immediately of any unauthorized use or security breach of your account.

5. Acceptable Use

You agree to use the Service in compliance with all applicable laws and regulations. You shall not use the Service for any illegal, harmful, or unauthorized purpose.

6. Payments and Fees

Fees associated with your use of the Service will be outlined in a separate agreement or billing statement. You agree to pay all fees and charges promptly as specified.

7. SMS Terms and Conditions

If you opt in to receive SMS/text messages from Lumino, you agree to the following:

You will receive messages regarding sales, support, and application tracking.

You can opt out at any time by replying STOP to any message you receive.

You can request more information by replying HELP.

Message frequency varies.

Message and data rates may apply.

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

8. Termination of Service

We reserve the right to terminate or suspend access to the Service at our sole discretion, with or without cause, and without notice. You may terminate your use of the Service at any time by contacting our customer support.

9. Limitation of Liability

To the extent permitted by law, Lumino Payment Processing and Lumino Technologies, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas.

11. Contact Information

For any questions or concerns regarding these Terms of Service, please contact us at:

Lumino Technologies, Inc.
3831 Landmark Dr
Missouri City, TX 77459
Email: support@golumino.com

12. Changes to Terms of Service

We reserve the right to modify these Terms of Service at any time. Any changes will be effective upon posting to the Lumino Payment Processing website. It is your responsibility to review these terms periodically.