General Terms

Eligibility to Use Our Services

Participants must meet age and lawful use requirements as stipulated to benefit from LumNowra’s programs and resources.

Users must be at least 18 years old to register or participate in LumNowra's services and programs.

Services must be used lawfully and in a manner consistent with all applicable local and international laws.

Use of LumNowra services may be restricted or prohibited in certain jurisdictions outside Singapore.

Account Responsibilities

Creating an account permits access to LumNowra’s resources, requiring accurate information and safeguarding credentials.

Users agree to provide and maintain accurate, current, and complete information during registration.

You are responsible for maintaining password confidentiality and security.

Account sharing or transfer is prohibited without explicit consent from LumNowra.

If you suspect unauthorized access, notify LumNowra immediately to prevent misuse.

LumNowra may suspend accounts violating terms or engaging in harmful activities.

Service Description

LumNowra provides spiritual growth programs designed specifically for entrepreneurs and executives seeking personal and professional development.

We may modify or discontinue services as needed, with advance notice to participants whenever feasible.

Service availability depends on operational and technical factors; interruptions may occur without prior notice.

User Conduct Rules

Participants must adhere to behavioral standards ensuring a respectful and productive environment.

• Engage respectfully with staff and fellow participants.
• Avoid sharing offensive, discriminatory, or illegal content.
• Use LumNowra resources solely for intended purposes.
• Do not attempt to disrupt or interfere with LumNowra services.
• Respect intellectual property rights within the platform.
• Report suspicious or harmful activities promptly.
• Comply with all local laws and LumNowra policies while using services.

User-Generated Content

Participants may contribute content within LumNowra communities, abiding by specified guidelines.

Users retain ownership of their content but grant LumNowra a non-exclusive license to use it for platform purposes.

This license allows LumNowra to display, distribute, and promote user content in connection with services offered.

Users are responsible for ensuring their content complies with laws and does not infringe third-party rights.

LumNowra reserves the right to remove user content violating policies without prior notice.

Intellectual Property

All LumNowra intellectual property, including activity, content, and technology, is protected under copyright laws.

• Users may not copy, modify, or distribute LumNowra intellectual property without permission.
• Unauthorized commercial use of LumNowra content is prohibited.
• Violation of IP rights may result in legal action and service termination.

Paid Services

Certain LumNowra offerings require payment to access specialized spiritual growth programs and events.

Pricing details are provided during the purchase process and subject to change with advance notice.

Payments are processed securely via approved methods as indicated on LumNowra’s platform.

Subscription services renew automatically unless cancelled by the user prior to renewal date.

Refunds are evaluated on a case-by-case basis and may depend on service usage and time elapsed.

Users may cancel subscriptions anytime through account settings to avoid future charges.

Applicable taxes are included or added depending on jurisdiction and local tax laws.

LumNowra will notify users of any price changes before they take effect.

Failure to pay may result in suspension or termination of access to paid features.

Disclaimer

LumNowra provides its services as-is and does not make assurances regarding specific outcomes or results from participation.

Limitation of Liability

LumNowra shall not be liable for indirect, incidental, or consequential damages arising from use of our services.

Third-Party Services

Links or integrations with third-party services are provided for convenience and do not imply endorsement by LumNowra.

Termination of Use

LumNowra may terminate access for users violating terms or engaging in fraudulent or harmful conduct.

Upon termination, rights to use LumNowra services cease immediately, and stored data may be deleted.

Privacy Policy

Use of LumNowra services is subject to our privacy policy detailing data collection, storage, and rights.

Communications

LumNowra will send service-related announcements and marketing information as permitted by applicable laws.

Changes to Terms

These terms may be updated periodically, with changes effective upon posting on LumNowra’s website.

Governing Law

These terms are governed by the laws of Singapore, without regard to conflict of laws principles.

Dispute Resolution

Disputes arising under these terms will be resolved through negotiation or Singapore courts if necessary.