The agreement, in plain sentences.
These terms govern your use of Lumen. They are written to be read, not survived. Where a sentence here would take away a right your own country's consumer law gives you, that law wins and the sentence does not apply.
In effect 18 August 2026. Last updated 18 August 2026.
Who you are contracting with.
Lumen is operated by [registered legal name], [registered address], registered in [country]. In these terms, "we" and "us" mean that company, and "you" means the person holding the account.
Using Lumen means you accept these terms. If you do not accept them, do not use the service.
What Lumen provides.
Lumen takes a goal you describe, asks you five questions about your circumstances, and produces a plan of steps and substeps you can work through, revise, and track. Every paid plan includes the whole app. There are no feature tiers.
You need to be at least 16 years old to hold an account. You are responsible for the security of your login and for what happens under your account.
Your goals remain yours.
You keep every right in the goals, answers, and notes you write. You grant us only the permission needed to run the service for you: to store your content, display it back to you, and send the relevant part of it to a model provider when you ask for a plan or a revision.
We do not publish your content, sell it, or use it to advertise to you. What we do with it is set out in the privacy policy.
What you pay, and when it renews.
- The price is the one shown on the pricing page when you subscribe. Prices include VAT where it applies.
- Paying through Apple or Google costs more than paying directly, because the store takes a larger share. The transparency page shows the split.
- The free trial runs 7 days and needs no card. It converts to nothing: if you do not subscribe, access simply ends.
- Monthly and annual plans renew automatically at the same cadence until you cancel. Lifetime is a single payment.
- If we change the price of a renewing plan, we tell you before the renewal it applies to, and you can cancel first.
- Subscriptions bought inside an app store are billed and cancelled through that store, under its rules.
The 14-day right, and how it works here.
As a consumer in the EU or the UK you have 14 days to withdraw from a distance contract without giving a reason. Because Lumen is digital content delivered the moment you subscribe, you are asked to agree to immediate access and to acknowledge that doing so ends the withdrawal right once delivery has begun.
If you would rather keep the full 14 days, use the free trial first and subscribe afterwards. To withdraw where the right still applies, write to [contact address] and we refund within 14 days by the method you paid with.
Leaving does not delete your work.
Cancel whenever you like. Access continues to the end of the period you already paid for, and the plan does not renew again.
When a subscription lapses, you choose three goals to keep readable. The rest move to the archive rather than being deleted. Subscribe again and the structure and progress come back with them.
The short list of things not to do.
- Do not break the law with it, or use it to plan harm to anyone.
- Do not resell, sublicense, or rebrand the service.
- Do not attack the infrastructure, evade rate limits, or scrape the API.
- Do not share one account across people it was not sold for. Family plans exist for that.
- Do not attempt to extract another account's data.
A draft you own, not advice you must follow.
Plans are generated by a language model. They can be wrong, incomplete, or badly judged for your situation, and you should read one before acting on it. Every step remains editable precisely because the first draft is a draft.
Lumen is not a medical, psychological, legal, or financial adviser, and nothing it generates is professional advice. For anything with real consequences, ask someone qualified. The full description of how AI is used sits on the transparency page.
What we promise about uptime.
We work to keep Lumen available and correct, and we will give notice of planned interruptions where we reasonably can. We do not promise uninterrupted service, and features may change as the product develops. If a change removes something substantial you paid for, you may cancel and receive a proportionate refund of the unused period.
Nothing in these terms limits our liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited by law. Your statutory rights as a consumer, including the right to a service that conforms to what was described, are unaffected. Outside those cases, our liability for a claim is limited to the amount you paid us in the 12 months before it arose.
When we can close an account.
We may suspend or close an account that breaches section 7, or that we are legally required to close. Except where the breach is serious or unlawful, we give you notice and a chance to put it right first.
If we close your account without cause, we refund the unused part of what you paid. You can close your own account at any time, and deletion works as described in the privacy policy.
Which law applies.
These terms are governed by the law of [country]. If you are a consumer, this choice never deprives you of the protection of the mandatory rules of the country where you live, and those rules apply to you in addition to whatever is written here.
Talk first. Then the right forum for who you are.
Before anything formal, write to [contact address] describing the problem and what would resolve it. Most things end here. We answer within 30 days, and both sides agree to use that window in good faith.
Your own courts, always.
You may bring a claim in the courts of the country where you live, and we will bring any claim against you there. You are not required to arbitrate, and nothing above waives that. Where an out-of-court dispute resolution body is available to you, we will tell you whether we take part in it.
ICC arbitration.
Where you use Lumen for purposes inside your trade, business, or profession, any dispute arising out of or in connection with these terms that is not resolved informally shall be finally settled under the Rules of Arbitration of the International Chamber of Commerce, by one arbitrator appointed under those Rules. The seat is [city], [country]. The language is English. The award is final and binding, and either party may still apply to any competent court for interim or protective measures.
Neither route stops you raising a matter with a regulator or a supervisory authority, which is a separate right and not a dispute between us.
How these terms change.
We update these terms when the product or the law moves. Material changes are announced in the app at least 30 days before they take effect, and if you do not accept them you may cancel before that date with a refund of the unused period.
Questions about any of this go to [contact address].