Lumetra Labs – Terms of Service

1. Acceptance of Terms

1.1 Legal Capacity. By accessing or using our Services, you represent and warrant that: (a) you have the legal capacity and authority to enter into this Agreement; (b) you are at least the age of majority in your jurisdiction; and (c) you will comply with all of the terms and conditions herein.

1.2 Entity Use. If you are accessing or using our Services on behalf of an entity, you represent and warrant that you are authorized to bind that entity to this Agreement, and all references to "you" herein will include such entity as well as any individuals accessing or using the Services on its behalf.

1.3 Acceptance. Your continued use of the Services is your acknowledgment that you have read, understood, and agree to be bound by this Agreement and any additional terms, policies, or disclaimers that may apply to specific features, products, or services.

2. Changes to this Agreement or the Services

2.1 Changes to the Agreement. We may update or modify this Agreement at our sole discretion. If we make material changes, we will revise the "Last Updated" date above. All modifications become effective immediately upon posting.

2.2 Changes to the Services. We reserve the right to modify or discontinue any portion of the Services, temporarily or permanently, with or without notice, without liability to you.

3. The Nature of Our Services

3.1 DeFi Risk Advisory and Vault Curation. Lumetra Labs offers advisory services that focus on analyzing decentralized finance (DeFi) protocols, identifying risk parameters, and curating vault strategies. Our role is to provide research, insight, and potential strategies; however, we do not guarantee any particular outcome or return on any strategy. Our analyses and recommendations are based on available information and our understanding of market conditions at the time, and are subject to rapid changes in the DeFi ecosystem.

3.2 No Investment, Legal, or Tax Advice. All information provided through the Services is for general informational purposes only and does not constitute, nor should it be construed as, investment, legal, or tax advice. You bear full responsibility for evaluating the merits and risks associated with using any information or content provided by Lumetra. You should seek independent professional advice from a qualified advisor before making any financial, legal, or tax-related decision.

3.3 Disclaimer Regarding Services. You acknowledge that any risk analysis, investment strategy, or vault curation offered by Lumetra is inherently subject to market, operational, regulatory, and technological uncertainties. While we may share our opinions, estimates, or strategic insights, these should not be relied upon as guarantees or promises of future performance.

4. Permitted Use and Restrictions

4.1 Authorized Use. Subject to the terms and conditions of this Agreement, we grant you a limited, revocable, non-exclusive, non-sublicensable, and non-transferable license to access and use the Services solely for your personal or internal business purposes.

4.2 Prohibited Activities. You agree that you will not, and you will not permit any third party to:

• Infringe Intellectual Property: Copy, distribute, reproduce, modify, or create derivative works from our Services or any part thereof without our explicit consent.
• Reverse Engineering: Disassemble, decompile, or reverse engineer any portion of the Services.
• Unlawful Conduct: Use the Services to engage in fraudulent, illegal, or harmful activities.
• Disruption: Interfere with the normal functioning of the Services, including via data mining, scraping, denial-of-service attacks, or introduction of viruses.
• Circumvent Security: Bypass or attempt to bypass any measures employed to prevent or restrict access to the Services.
• Geo-Restricted Jurisdictions: Use or access the Services from jurisdictions subject to economic or trade sanctions. This includes, but is not limited to, individuals located in or citizens/nationals of the United States, Cuba, Iran, North Korea, Syria, Russia, Belarus, Myanmar (Burma), and Sudan.

4.3 Export and Sanctions. You agree to abide by all applicable export control and economic sanctions laws in using the Services. You represent that you are not located in, under the control of, or a national or resident of any country subject to such sanctions.

5. Intellectual Property

5.1 Ownership. All rights, title, and interest in and to the Services, including any text, graphics, logos, icons, images, software, and other materials therein, remain with Lumetra or its licensors.

5.2 User Content. By submitting any content, feedback, or materials to us ("User Content"), you grant us a worldwide, irrevocable, non-exclusive, royalty-free license to copy, distribute, modify, create derivative works of, and otherwise use such User Content for purposes of providing and improving the Services.

5.3 Feedback. If you voluntarily provide feedback, suggestions, or ideas about our Services, you agree that we may use your Feedback for any purpose without any obligation to you.

6. No Offer, Solicitation, or Recommendation

Nothing in our Services constitutes or should be interpreted as an offer, recommendation, or solicitation to buy or sell digital assets, securities, derivatives, or other financial instruments. Lumetra and its affiliates are not acting as brokers, dealers, investment advisors, or in any other regulated capacity. You alone are responsible for complying with all applicable laws and regulations in connection with any investment decisions you make.

7. Risk of Investing

7.1 Market and Operational Risks. Investments in digital assets, DeFi protocols, or vault strategies involve substantial risks, including loss of all or part of your investment. Past performance is not indicative of future results. Market conditions, regulatory environments, and technology evolve rapidly and can significantly affect the performance of digital assets or protocols.

7.2 Forward-Looking Statements. From time to time, we may express forward-looking statements, projections, or opinions on the Services. These statements are inherently uncertain, based on assumptions and expectations that may prove inaccurate. We make no representation or warranty that such statements will materialize. Actual outcomes and results may differ significantly.

7.3 Consult Your Advisor. Before executing any transaction or investment strategy, consult independent professional advisors—including but not limited to legal, tax, and financial professionals—to determine whether such a transaction or strategy meets your objectives and risk tolerance.

8. Disclaimers

8.1 Disclaimer of Warranties. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, TIMELY, SECURE, OR FREE FROM DEFECTS OR VIRUSES.

8.2 No Reliance. Information provided by Lumetra is for general informational purposes. We do not guarantee the accuracy, completeness, or reliability of any information on the Services. Any reliance you place on such information is strictly at your own risk.

9. Limitation of Liability; Indemnification

9.1 Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LUMETRA OR ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, NOR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THIS AGREEMENT OR YOUR USE OF THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STATUTE, OR OTHERWISE) AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES.

9.2 Release of Claims. You release and forever discharge Lumetra from all claims, demands, losses, damages, rights, and actions of any kind arising out of or related to your use of the Services. If you are a California resident, you waive California Civil Code §1542 (and any similar laws).

9.3 Indemnification. You agree to defend, indemnify, and hold harmless Lumetra and its affiliates, and their directors, officers, employees, contractors, and agents from any third-party claims, actions, or demands arising out of or relating to: (a) your use of the Services; (b) your violation of this Agreement; (c) any feedback, data, or User Content that you provide; or (d) your violation of any applicable law, rule, or regulation.

10. Confidential Information

10.1 Definition. Either party (the "Discloser") may disclose confidential, proprietary, or non-public information to the other (the "Recipient"). Such information is "Confidential Information."

10.2 Obligations. The Recipient must treat Confidential Information with at least a commercially reasonable degree of care to prevent unauthorized use or disclosure. The Recipient shall only use such information to perform obligations or exercise rights under this Agreement.

10.3 Exceptions. Confidential Information does not include information that: (a) is or becomes publicly available; (b) was rightfully known prior to receipt; (c) was lawfully obtained from a third party; or (d) is required to be disclosed by law or court order.

11. Governing Law and Dispute Resolution

11.1 Governing Law. This Agreement and any dispute arising hereunder shall be governed by and construed in accordance with the laws of Switzerland, without regard to conflict-of-law principles.

11.2 Informal Resolution. Before initiating any formal legal action, you agree to contact us at team@lumetra.fi to attempt in good faith to resolve any dispute amicably.

11.3 Arbitration. If informal resolution fails, any dispute or claim arising out of or relating to this Agreement or the Services shall be resolved by binding arbitration in accordance with the rules of a recognized arbitration institution. The place of arbitration shall be in Switzerland, unless otherwise mutually agreed.

11.4 Class Action Waiver. All claims must be brought solely in your individual capacity, and not as a plaintiff or class member in any class, consolidated, or representative action.

12. Termination

12.1 Termination by Lumetra. We may suspend or terminate your access to the Services at any time for any reason, including if we believe you have violated this Agreement or any applicable law.

12.2 Termination by You. You may terminate this Agreement by ceasing all use of the Services.

12.3 Survival. Sections of this Agreement that by their nature should survive termination (e.g., disclaimers, indemnifications, limitations of liability) shall remain in force.

13. Miscellaneous

13.1 Entire Agreement. This Agreement constitutes the entire agreement between you and Lumetra with respect to the Services, superseding any prior communications or agreements.

13.2 Force Majeure. Neither party shall be liable for delays or failures in performance due to events beyond their reasonable control, including acts of God, war, terrorism, labor disputes, or cyberattacks.

13.3 Assignment. You may not assign or transfer this Agreement without our prior written consent. We may assign or transfer our rights and obligations under this Agreement at any time.

13.4 No Waiver. Any failure by us to enforce a right or provision in this Agreement does not constitute a waiver.

13.5 Severability. If any part of this Agreement is held invalid or unenforceable, the remaining portions shall remain in full force and effect.

13.6 Linked Sites. The Services may include links to third-party websites. We are not responsible for the content, operation, or privacy practices of such sites. Access to any linked site is at your own risk.

13.7 No Agency. No agency, partnership, or joint venture is created as a result of this Agreement.

13.8 Contact Us. For questions or concerns about this Agreement or the Services, please contact us at:

Satzger Ventures GmbH (Switzerland)
UID: CHE-247.023.802
Email: team@lumetra.fi