Terms, Privacy & Policies

These Terms of Service ("Terms") govern your access to and use of the Lumina Business platform operated by Lumina Business Services, Inc. ("Lumina", "we", "us"). By creating an account or using the service you agree to be bound by these Terms.

1. Description of Service

Lumina Business is a digital software-as-a-service (SaaS) platform that ingests business reviews, generates AI-drafted responses, and delivers them to business owners for approval. Lumina is not a marketing agency, advertising service, or public-relations firm. We make no guarantees regarding search engine rankings, revenue outcomes, or review volume.

2. Eligibility

You must be at least 18 years old and legally authorized to enter into binding contracts to use this service. By using Lumina you represent that you meet these requirements. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3. Subscription Plans & Pricing

Lumina offers the following monthly subscription tiers. Annual billing is available at a 20% discount versus the monthly rate. Note that annual subscriptions do not lump-sum the annual AI draft limits; instead, your plan quota is provisioned and resets on a monthly basis.

Free accounts are limited to 10 AI-generated drafts before a subscription is required. Prices are in USD and subject to applicable taxes.

4. AI Draft Quota

Each subscription plan includes a monthly AI draft allowance as shown in the table above. The quota resets on the first day of each calendar month. This monthly reset schedule applies identically to both monthly and annual subscription cycles; annual subscribers do not receive a combined annual quota at the start of their cycle. If your account reaches its monthly limit, Lumina will continue to generate draft placeholders using template responses until the quota resets; no AI inference will be consumed beyond your plan limit. Upgrading your plan immediately restores access to AI-generated drafts.

Lumina uses Google Gemini to generate draft responses. Draft quality, tone adherence, and HIPAA-safe outputs depend on the AI model's capabilities, which may change over time. Lumina is not liable for any inaccuracies in AI-generated content; all drafts require your review and approval before publishing.

5. Acceptable Use

You agree not to: (a) use the platform to publish false, defamatory, or misleading content; (b) attempt to circumvent AI quota limits through automated requests or account manipulation; (c) resell or sublicense access to the platform; (d) use the platform in any way that violates applicable law, including HIPAA where applicable to your business.

6. HIPAA-Adjacent Features

Lumina offers HIPAA-safe draft generation for healthcare providers. These features are designed to avoid clinical confirmation and patient-identifying language. However, Lumina is not a HIPAA Business Associate and does not sign BAAs. You are solely responsible for reviewing all AI-generated content before publishing to ensure compliance with HIPAA and any applicable regulations.

7. Intellectual Property

The Lumina platform, its design, and underlying technology are owned by Lumina Business Services, Inc. and protected by copyright and other intellectual property laws. You retain ownership of your business data and any published responses. By using the platform you grant Lumina a limited license to process your review data for the purpose of generating drafts.

8. Limitation of Liability

To the maximum extent permitted by law, Lumina Business Services, Inc. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the platform, including loss of revenue, reputation, or data. Our total liability to you for any claim shall not exceed the subscription fees you paid in the three months preceding the claim.

9. Termination

We may suspend or terminate your account for violation of these Terms, non-payment, or fraudulent activity. Upon termination your access to the platform will cease and your data may be deleted after a 30-day retention window.

10. Changes to Terms

We may update these Terms at any time. We will notify you by email at least 14 days before material changes take effect. Continued use of the platform after that date constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles. Any disputes shall be resolved in the federal or state courts located in Fairfax County, Virginia.

12. Contact

Questions about these Terms? Email legal@luminabusiness.ai.

This Privacy Policy explains how Lumina Business Services, Inc. collects, uses, and protects information when you use Lumina Business.

1. Information We Collect

• Account data: name, email address, business name, and password hash.
• Review data: publicly available reviews fetched from connected platforms (Google, Facebook, etc.).
• Payment data: billing details processed by Stripe. Lumina does not store raw card numbers.
• Usage data: platform activity logs, AI draft generation counts, and sync timestamps.
• UTM parameters: marketing attribution data collected at signup.

2. How We Use Your Information

We use your information to: provide and improve the platform; generate AI draft responses on your behalf; process payments; send transactional and service emails; and comply with legal obligations. We do not sell your personal data to third parties.

3. Third-Party Services

Lumina integrates with the following third-party services, each governed by their own privacy policies: Stripe (payments), Google (review data and AI inference via Gemini), Facebook, and Vercel (hosting and infrastructure).

4. Data Retention

We retain your account data for as long as your account is active. Upon account deletion, your data is removed from our active systems within 30 days. Aggregated, anonymized analytics may be retained indefinitely.

5. Your Rights

Depending on your location you may have rights to access, correct, or delete your personal data. EU and UK residents may exercise GDPR rights by contacting legal@luminabusiness.ai. California residents may submit CCPA requests to the same address.

6. Security

We use industry-standard encryption for data in transit (TLS) and at rest. Connected platform tokens are encrypted before storage. No security system is impenetrable; we will notify you promptly in the event of a breach affecting your data.

7. Contact

Privacy inquiries: legal@luminabusiness.ai.

Cancellation

You may cancel your subscription at any time through your account settings. Your subscription will remain active through the end of the current billing period (the end of the month for monthly plans, or the end of the year for annual plans), after which access will cease and you will not be charged again. For annual plans, cancellation disables auto-renewal for the subsequent year; no partial refunds or prorated credits are provided for the remaining months of the active billing year.

Refunds

Subscription fees for the current billing period are non-refundable. Annual plans cannot be refunded or prorated once the billing period has started. If you believe you were charged in error, you must report the dispute within 14 days of the charge to support@luminabusiness.ai. Lumina will investigate and respond within 5 business days.

Plan Downgrades

Downgrading your plan takes effect at the start of your next billing cycle. You retain access to your current plan's features until then. No partial-month or partial-year credit is issued for downgrades.

Plan Upgrades and Billing Cycle Changes

Upgrades (e.g. moving from Starter to Growth) and billing cycle changes (e.g. moving from monthly to annual billing) take effect immediately. If transitioning from monthly to annual within the same tier, your current month's AI draft count carries over and remains intact. Upgrades to a higher annual tier will result in a prorated charge for the remainder of the current cycle, with immediate access to the higher monthly AI draft limits.

All Lumina Business services are delivered digitally. There is no physical shipment.

Access to your subscription tier is provisioned to your account immediately upon successful payment confirmation from Stripe. You can begin using the platform — connecting platforms, syncing reviews, and receiving AI-generated draft responses — as soon as your account is activated.

If you experience any issue accessing your subscription features after payment, contact support@luminabusiness.ai and we will resolve it within one business day.