Terms of Use

Last updated: February 3, 2025

PRELIMINARY PROVISIONS

(I) To access and use the Lumx Platform, the CLIENT must read, understand, and agree to these Terms and Conditions of Use ("Terms of Use"), along with its Annexes and other applicable policies available on our website. By accessing or using our Services, the CLIENT confirms full acceptance of these documents.

(II) To ensure clarity and better understanding of this document, the definitions of terms and expressions used herein are detailed in Annex I.

(III) If you are located in a restricted jurisdiction, we will be unable to provide you with our Services ("Restricted Locations"). The list of Restricted Locations may be updated at any time

(IV) Representatives acting on behalf of legal entities without formal legal representation must present an official company authorization. This authorization must include the consent of the legal representative, who must also provide a valid contact email address. Only upon completion of this process will the authorized representative be permitted to access the Lumx Platform on behalf of the entity.

(V) LUMX accepts registrations exclusively from CLIENTS who meet the eligibility requirements and submit the necessary documentation, subject to criteria determined at LUMX's sole discretion. In certain cases, LUMX may conduct verification procedures, including Know Your Customer ("KYC") and Know Your Business ("KYB") checks, to validate the information provided.

(VI) Governed by Brazilian law, LUMX reserves the right to refuse or cancel CLIENT registrations, whether domestic or international, that fail to meet the eligibility criteria, including but not limited to unsuccessful identity verification, without any obligation of compensation or indemnity

(VII) LUMX does not accept registrations from individuals or legal entities classified as "US Persons" under applicable United States laws and regulations. This includes US citizens, US tax residents, or any person conducting transactions from US territory.

(VIII) LUMX may implement additional Terms of Use or specific agreements for certain products. These documents will either supplement or, where applicable, prevail over these Terms. Usage of such products will be subject to the CLIENT’s express acceptance of the corresponding terms.

1. ABOUT THE PLATFORM

1.1. Ownership. LUMX S.A., a legal entity registered with the CNPJ/MF under No. 42.887.120/0001-00, headquartered at Rua Voluntários da Pátria, 89, sala 804, Botafogo, Rio de Janeiro/RJ, CEP: 22270-000, is a startup specialized in providing technological infrastructure for payments integrated with stablecoins ("Platform"), via Application Programming Interfaces ("APIs").

1.2. Objectives. The LUMX Platform is an integrated and modular solution designed to facilitate cross-border payments and settlements using stablecoins through user-friendly APIs.

1.2.1. Documentation. The technical documentation is available at "https://docs.lumx.io/", covering all functionalities, usage conditions, technical requirements, and essential information to ensure the proper operation of each tool.

1.2.2. Use of the Services. LUMX grants the CLIENT a limited, temporary, non-exclusive, non-transferable, and revocable license to access and use the APIs that comprise the Platform, strictly as outlined in these Terms of Use and the applicable technical documentation. This license does not grant the right to sublicense, redistribute, or create derivative works from the APIs.

1.2.3. Characteristics. The Platform is provided to the CLIENT "as is", without any express or implied warranties regarding continuous, uninterrupted, or error-free operation.

1.2.4. Connectivity. API functionality relies solely on internet access, with no requirement for additional software installations or hardware components.

1.3. Partners. LUMX provides its services through technological integrations with partner companies ("Partners") whose solutions are connected to LUMX’s infrastructure. These partnerships enable End Users to perform digital asset transactions and utilize stablecoins, enhancing the features and accessibility of LUMX's services.

1.4. To open and use a LUMX Account, you must: (a) be a duly registered legal entity in compliance with applicable laws; (b) have a legal representative authorized to accept these Terms; and (c) use the Services exclusively for commercial purposes.

2. APPLICATION

2.1. Reach. These Terms of Use govern the activities conducted and services provided by LUMX.

2.2. Binding Effect. These Terms of Use constitute a legally binding document that establishes the rights and obligations of both LUMX and the CLIENT. They are an integral part of any other agreements or contracts entered into by the contracting parties for all legal purposes.

2.2.1. Supplementary Application. Notwithstanding the application of these Terms of Use, LUMX and the CLIENT may execute a separate agreement to address specific aspects of their relationship. In such cases, these Terms of Use will apply in a supplementary manner to the signed agreement, complementing its provisions and guiding the execution of services where the specific contract is silent.

2.3. Purpose. These Terms of Use are intended to establish clear guidelines for the use of the Lumx Platform and to outline the rights, obligations, and responsibilities of CLIENTS. Accordingly, it is essential that the CLIENT’s legal representative carefully review these Terms of Use and utilize the services only upon express agreement with the provisions set forth herein.

3. ADHESION AND ACCEPTANCE

3.1. Adhesion and Acceptance. By using the Services, the CLIENT, through its legal representative, expressly confirms that it is at least 18 (eighteen) years old and fully capable of entering into binding agreements. The use of the Platform is the sole and exclusive responsibility of the CLIENT. By clicking the acceptance checkbox with the statement: "I DECLARE THAT I HAVE READ AND AGREE WITH THE TERMS AND CONDITIONS OF USE," the CLIENT provides informed and unequivocal consent to all the provisions set forth in these Terms.

4. REGULATION

4.1. Compliance. LUMX operates in compliance with Brazilian legislation, with particular attention to the provisions of Law No. 12,965/2014 (the Civil Rights Framework for the Internet) and Law No. 13,709/2018 (General Data Protection Law), as well as all applicable regulations and resolutions in effect, as applicable. The CLIENT, through its legal representative, agrees to comply with all applicable laws and regulations governing its activities conducted through the contracted infrastructure, along with any other relevant rules, statutes, or resolutions that may be enacted or enforced.

5. ACCESS

5.1. Dashboard Console. The CLIENT will have access to a dashboard designed to meet its operational needs and optimize the use of the available features.

5.2. Login. The CLIENT's login to the Dashboard Console will be conducted via the link sent by LUMX to the registered email address or directly through https://dashboard.lumx.io/login/. Upon accessing the link, the CLIENT must provide the necessary information to configure their account and navigate the platform.

5.2.1. Access Requirements. To use the Services, the CLIENT must:

(I) Have been granted a valid license by LUMX, which is limited, non-exclusive, personal, non-transferable, and revocable;

(II) Access the link provided by LUMX to the registered email. Through this link, the CLIENT will be able to create login credentials to access the Dashboard Console. Authentication can be performed via Google, SMS, Magic Link, or other custom methods, including Single Sign-On ("SSO").

5.2.2. Responsibility for Access. The CLIENT is solely responsible for safeguarding its account access information, ensuring its confidentiality and protection against unauthorized use.

5.2.2.1. After accessing the Dashboard Console, the CLIENT's Account Owner may add members of the CLIENT's team (e.g., internal developers) to the platform, enabling controlled and secure use of the environment.

5.2.2.2. LUMX must be promptly notified of any unauthorized use of the CLIENT's account, subject to the limitations of liability set forth in these Terms of Use.

5.2.3. Violation of Registration or Access. Any CLIENT registration or account access that violates the rules outlined in these Terms of Use may result in sanctions and/or termination of the contractual relationship, as detailed in the applicable sections of these Terms.

5.3. Integration with Blockchain Networks. The CLIENT may indicate their preference for a Blockchain network, but the final decision will be up to LUMX. The selection, integration, and support of blockchain networks are determined exclusively by LUMX, at its sole discretion, taking into account technical, operational, and strategic considerations to ensure interoperability and operational efficiency. While the CLIENT may express a preference for a particular blockchain network, the final decision rests with LUMX.

5.3.1. LUMX reserves the right to modify the blockchain network in use at any time to ensure service efficiency, security, and operational viability. Such changes may be prompted by external factors, including technological upgrades, operational costs, or network restrictions. In the event of a change, LUMX will provide the CLIENT with reasonable prior notice.

6. CLIENT REPRESENTATIONS, OBLIGATIONS AND RESPONSIBILITIES

6.1. Statements. CLIENTS understand that Blockchains can change their operating rules without notice, and third parties can create copies, resulting in multiple versions of a Blockchain. Thus, they declare that they know some of its characteristics such as:

(I) Immutability of Transactions. Once a transaction is recorded on the blockchain, it cannot be modified or deleted. Both parties acknowledge that confirmed transactions are permanent and irrevocable.

(II) Traceability. All blockchain transactions are traceable, enabling the verification of both the origin and destination of the transacted assets.

(III) Liability in Transactions. CLIENTS are responsible for ensuring the accuracy of transaction details, including but not limited to wallet addresses and token amounts. Transactions sent to incorrect or erroneous addresses may result in permanent loss of assets, and such error cannot be corrected or reversed;

(IV) Security. blockchain technology is generally considered secure, the CLIENT acknowledges that the loss or exposure of private keys may lead to irreversible asset loss

(V) Infrastructure Independence. The CLIENT understands that the Blockchain operates in a decentralized environment without requiring oversight or intervention from a central authority or intermediary;

(VI) Operation Validation. The CLIENT recognizes that transaction validation and confirmation occur in a decentralized manner. As a result, LUMX cannot confirm, cancel, or reverse transactions on blockchain networks but may provide information regarding the completion status of a transaction

6.1.1. Understanding the Technological Risks of Blockchain. The CLIENT further acknowledges that technological advancements, such as the development of quantum computing, may compromise blockchain cryptographic consensus. Additionally, potential defects, failures, or protocol discontinuations may adversely impact the CLIENT’s projects. Both parties recognize these inherent technological risks and accept any associated consequences. While LUMX commits to making its best efforts to prevent and mitigate such issues, it does not guarantee the uninterrupted operation or integrity of the blockchain networks utilized.

6.2. Understanding Regulatory Risks. The CLIENT is solely responsible for securing and maintaining all necessary licenses, authorizations, and registrations to conduct activities using LUMX’s technological infrastructure. The CLIENT must ensure full compliance with all applicable laws and regulations within its jurisdiction.

6.2.1. Confidentiality. By utilizing the services, the CLIENT acknowledges that sensitive and confidential information may be processed. It is the CLIENT’s sole responsibility to safeguard this information, ensuring it is not disclosed to third parties unless explicitly authorized by the information owner.

6.3. Responsibilities. The CLIENT bears full responsibility for determining the suitability of any payment, self-directed investment, investment strategy, or related platform transaction based on its personal or business goals, financial situation, and risk tolerance. CLIENTS are encouraged to consult with legal and tax professionals for tailored advice before making decisions regarding payments, investments, or transactions.

6.4. Client Specific Responsibilities. The CLIENT agrees to:

6.4.1. Regulatory Compliance and Security:

(I) Fully comply with applicable laws, these Terms, jurisdictional regulations, and LUMX’s technical guidelines and security policies;

(II) Provide LUMX, upon request and within five (5) days of receiving such request, with access to its internal policies, including but not limited to compliance policies, information security policies, evidence of AML/KYC/KYB practices, records of monitoring suspicious transactions, codes of ethics and conduct, and any other procedures or policies adopted to ensure transaction security and integrity with third parties;

(III) Ensure compliance with all legal and regulatory requirements applicable to its End-Users, including anti-money laundering (AML), counter-terrorist financing (CFT), and the implementation of KYC/KYB procedures to collect, verify, update, and securely store necessary information;

(IV) Promptly notify LUMX of any suspected security breaches, unauthorized use of data, or changes in assets potentially considered securities;

(V) Ensure the secure management and protection of private keys and passkeys, adopting appropriate measures to prevent unauthorized access or asset loss;

(VI) Instruct its End-Users on the importance of safeguarding sensitive information, ensuring they understand their responsibilities when using the LUMX Platform;

(VII) Refrain from impersonating any individual, company, or institution; and

(VIII) Abstain from engaging in activities that violate any applicable local, state, national, or international laws.

6.4.2. Use of the Platform:

(I) Be solely responsible for all activities performed via its Dashboard Console account, providing accurate and truthful information;

(II) Understand that Dashboard Console accounts are individual and non-transferable, and promptly notify LUMX of any unauthorized account usage. LUMX will not be liable for losses arising from third-party use of credentials, regardless of consent;

(III) Avoid using the LUMX Platform to engage in transactions involving countries, individuals, or entities subject to economic or trade sanctions imposed by national or international authorities, including those from the United Nations, the United States, the European Union, the United Kingdom, or Brazil;

(IV) Refrain from utilizing the Services for illegal purposes or offering the platform to End-Users for activities contrary to moral standards, good faith, or applicable laws, including money laundering and terrorist financing;

(V) Ensure ethical use of the Platform, in compliance with all applicable laws, while preventing illicit activities or actions that contradict good faith and applicable financial regulations;

(VI) Take prompt action to correct errors or failures in using the Platform;

(VII) Provide all necessary information to enable LUMX to deliver its services effectively;

(VIII) Not attempt unauthorized access to systems or networks associated with the Platform’s functionalities;

(IX) Refrain from reverse engineering, disassembling, translating, modifying, or creating derivative works from LUMX software or APIs;

(X) Avoid using LUMX APIs to develop products that compete with or disrupt LUMX’s operations; and

(XI) Not resell or sublicense Platform access or associated data without LUMX’s express consent, under penalty of (I) immediate suspension of access without refund rights and (II) liability for any resulting damages.

6.4.3. Contractual and Financial Commitments:

(I) Timely payment of all due amounts under Clause 8. Failure to do so may result in Platform access suspension until full settlement of outstanding amounts; and

(II) Indemnify LUMX or third parties for damages arising from non-compliance with these Terms, LUMX policies, or applicable laws.

6.4.4. Obligations Relating to End-Users: The CLIENT shall be solely responsible for:

(I) Fulfilling obligations to End-Users, including the timely delivery of goods or services, providing clear information on product features, risks, and compliance with quality standards, protecting End-User data per applicable privacy laws, adhering to truthful marketing practices, complying with KYC, AML, and anti-fraud measures, and ensuring clear communication regarding service updates;

(II) Informing End-Users about LUMX’s role in service provision, formalized through an agreement between the CLIENT and End-Users;

(III) Securely collecting and storing End-User consent regarding the CLIENT’s terms and LUMX policies;

(IV) Immediately notifying LUMX of suspicious or illegal activities performed by End-Users;

(V) Implementing reasonable measures to ensure End-Users comply with applicable laws, mitigating conduct that could harm LUMX’s operations or reputation; and

(VI) Sending End-Users necessary communications related to Platform use, including transaction notifications, system updates, and contractual changes.

6.4.5. Responsibilities for Transactions:

(i) The CLIENT is fully responsible for its own transactions and those of its End-Users, including any fraudulent activities, fees, claims, fines, penalties, and liabilities ("Losses") incurred by LUMX or its partners, except when such losses are solely attributable to LUMX.

6.5. Penalty for Non-Compliance. Non-compliance with any provision in this clause will result in a non-compensatory fine equal to the greater of: (I) Twenty (20) times the value of the monthly plan; (II) Twenty (20) times the average payments made in the three (3) months prior to the breach, in cases involving spread-based remuneration; or

(III) The amount necessary to fully compensate damages incurred by LUMX, third parties, or the market, without prejudice to other applicable legal or contractual sanctions.

7. LUMX'S OBLIGATIONS AND RESPONSIBILITIES

7.1. Obligations. LUMX operates exclusively as a provider of technological infrastructure and is committed to:

(I) Making the Services available in a secure and stable manner, in accordance with the agreed commercial terms;

(II) Continuously updating the Platform, at its discretion and in line with market advancements, to enhance performance and adapt to new technologies; and

(III) Protecting the confidentiality of all information it accesses by implementing appropriate security measures.

7.1.1. Availability of Services. LUMX will use its best efforts to ensure the proper functioning of the Platform; however, it does not guarantee:

(I) Uninterrupted availability or freedom from errors or failures, which may arise from technical issues, maintenance, or updates;

(II) Immunity from attacks, intrusions, or unauthorized modifications by third parties; or

(III) Continuity of services in cases of unforeseen events or force majeure that may temporarily affect access to or operation of the Services.

7.2. Limits of Action. LUMX:

(I) Does not perform asset management or custody services. It does not own, hold, or manage any digital assets on behalf of its CLIENTS or third parties;

(II) Does not manage or store private keys or any instruments that grant control over virtual assets; and

(III) Is not a financial institution, payment service provider, exchange, brokerage, or any other entity subject to the specific regulations governing financial or payment institutions.

7.3. Limitation of Liability and Disclaimer of Warranties. The CLIENT acknowledges and agrees that LUMX, along with its third-party suppliers and partners, shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages. This includes, but is not limited to, damages related to lost profits, revenue, goodwill, data, usage, or other intangible losses—even if LUMX has been informed of the possibility of such damages—arising from: (1) the use of or inability to use the LUMX Services; (2) the cost of acquiring substitute goods and services; (3) access to or alteration of your account or data due to your conduct or negligence; or (4) any other matter connected to the content or services provided by LUMX.

7.3.1. Third-Party Services and Integrations. LUMX disclaims liability for:

(I) For services or technologies provided by third parties or partners without direct management by LUMX, including servers, blockchain networks, token custody services, and private key management. It is the CLIENT’s sole responsibility to assess the technical suitability of such services before use;

(II) For integrations with third-party services, technologies, APIs, or smart contracts beyond LUMX’s direct control, including any failures, inconsistencies, or losses related to those integrations, whether involving smart contracts, tokens, or other integrated components;

(III) For any failure or loss arising from the custody of tokens, private keys, or digital assets by the CLIENT or third parties, with the CLIENT being solely responsible for their security and integrity.

7.3.2. Blockchain Networks. LUMX disclaims liability for:

(I) Losses arising from blockchain forks, protocol changes, or version incompatibilities in networks used by the CLIENT;

(II) Platform unavailability, technical failures, interruptions, or performance issues caused by external factors, including force majeure events under Article 393 of the Brazilian Civil Code, or disruptions in external networks;

(III) Interruptions, delays, or failures in public or private blockchain transactions, including network congestion, increased transaction fees, or protocol unavailability;

(IV) The confidentiality, immutability, or security of information stored on blockchain networks used by the CLIENT and its End-Users;

(V) Failures or delays in reporting issues related to blockchain infrastructure, including the absence of timely notifications regarding incidents affecting network performance.

7.3.3. Digital Asset Creation and Management. LUMX shall not be responsible for:

(I) The creation or management of digital assets (e.g., cryptocurrencies), including issues of volatility, devaluation, liquidity shortages, design flaws, tokenomics issues, or non-compliance with regulatory standards;

(II) Loss of use or access to digital assets and associated content, resulting from CLIENT or End-User errors, data loss, unauthorized access, third-party attacks (e.g., phishing, malware), market volatility, or liquidity risks;

(III) Profit promises, investment guarantees, or expectations created by the CLIENT regarding digital asset offerings to End-Users;

(IV) Flaws, vulnerabilities, or exploits in smart contracts developed or used by the CLIENT through LUMX’s technology;

(V) CLIENT decisions or omissions related to payment transactions, stablecoin usage, or other digital assets, including parity loss with fiat currencies, settlement delays, financial defaults, or regulatory non-compliance;

(VI) Loss of stablecoin parity with fiat currencies, as LUMX does not control the issuance, backing, or management of stablecoins and the CLIENT acknowledges the inherent risks involved;

(VII) Price stability, exchange rates, or parity between digital and fiat currencies. LUMX does not guarantee value locks for transactions, and the CLIENT acknowledges potential market fluctuations and inherent digital asset volatility.

7.3.4. Information and Compliance Management. LUMX will not be liable for:

(I) Data transmission errors, interruptions, or Internet connectivity issues affecting information processing by the Platform or CLIENT;

(II) Damages, including financial or reputational harm, arising from inaccurate CLIENT-provided information, fraudulent activities, connection failures, or third-party actions on external networks connected to LUMX’s infrastructure.

7.3.5. Customer Failures and Security. LUMX disclaims liability for:

(I) CLIENT failures to implement adequate security practices, safeguard credentials, or comply with regulatory requirements;

(II) Indirect, incidental, punitive, or consequential damages (e.g., financial losses, property damage) resulting from the misuse of LUMX’s technology or non-compliance with applicable laws, including actions or omissions by third parties or CLIENT – related security breaches.

7.4. Limitation of Liability for End-User Operations. LUMX shall not be responsible for executing transactions on behalf of CLIENT’s End-Users, including digital wallet activities, digital asset usage, or any on-chain operations.

7.5. Limitation of Financial Liability. The liability of each Party for any event related to these Terms shall be limited to direct damages actually incurred, excluding lost profits, indirect damages, or governmental/third-party penalties. This liability shall not exceed the total amount paid by the CLIENT to LUMX under the relevant contract.

8. VALUES

8.1. Pricing Structure. All fees and pricing terms will be negotiated and agreed upon through a specific commercial proposal, which must be duly signed by both parties prior to the acceptance and execution of these Terms of Use.

8.1.1. Volume and Commitment Period. The amounts agreed upon between the parties may be contingent upon a minimum transaction volume and/or a previously negotiated commitment period, as outlined in the commercial proposal.

8.1.2. If the CLIENT fails to meet the agreed minimum transaction volume or does not comply with the established commitment period, LUMX reserves the right to:

(I) Adjust the agreed pricing to reflect the revised transaction volume conditions; and/or

(II) Apply penalties or compensatory charges, as stipulated in the commercial proposal.

8.1.3. Any changes to pricing or related terms will be communicated to the CLIENT in advance and formalized through an amendment to the existing commercial proposal.

8.2. Blockchain Network Fees. Blockchain network fees are included in the price of the contracted plans. The CLIENT will not incur additional charges for these fees unless otherwise specified in a separate commercial agreement.

9. RULES FOR TERMINATION AND CANCELLATION OF ACCESS TO THE PLATFORM

9.1. Cancellation by the Client. The CLIENT may request the cancellation of access to the Platform in accordance with the conditions outlined in the Commercial Proposal.

9.2. Limitation of Access. LUMX reserves the right to limit, restrict, suspend, or terminate access to the Platform if the CLIENT: a) Fails to comply with any provision, rule, or condition set forth in these Terms of Use; b) Violates copyright laws, legal regulations, or applicable rules or; c) Compromise the security or integrity of the Platform.

9.3. Cancellation of Access. LUMX may immediately cancel or refuse to grant the CLIENT access to the Platform, without prior notice, under the following circumstances:

(I) Partial or total non-compliance with these Terms of Use, contractual obligations with LUMX, or applicable laws, including failure to make agreed payments;

(II) Deactivation of the Platform, in which case LUMX will notify the CLIENT via official email. No compensation will be owed to the CLIENT in such instances; and

(III) Discovery of illicit or inappropriate use of the infrastructure, including activities deemed suspicious or in violation of applicable laws, regulations, or principles of good faith.

9.4. If the CLIENT cancels the Platform license or the contractual relationship is terminated for any reason, LUMX will delete all related records. However, LUMX may retain records when necessary to: a) Fulfill legal or regulatory obligations or; b) Protect its interests in administrative or judicial proceedings.

10. INTELLECTUAL PROPERTY

10.1. Intellectual Property Protection. All texts, photographs, images, videos, illustrations, icons, technologies, links, and other audiovisual or audio content—including software, graphic designs, source codes, APIs, and extensions—as well as any developments or improvements made by LUMX related to its Platform, are the exclusive property of LUMX. These assets are protected by international laws and treaties. Any form of copying, reproduction, or unauthorized use is strictly prohibited, with violators subject to applicable civil and criminal penalties under Brazilian Laws No. 9,279/96, 9,609/98, and 9,610/98.

10.2. Brand Protection. All trademarks, trade names, distinctive signs, and logos presented through any medium are the exclusive property of LUMX. The use of the Platform does not grant the CLIENT any rights to use or dispose of such elements without LUMX's prior written consent.

10.3. Prohibition of Use of IP and Brand. The reproduction, duplication, copying, selling, resale, visiting, or exploitation of the Platform's content for commercial purposes without LUMX's prior written authorization is strictly prohibited. Specifically, the use of data mining, robots, or other data collection and extraction tools to isolate or repeatedly extract substantial portions of the Platform for reuse is forbidden. Failure to comply with this provision will subject the CLIENT to a non-compensatory fine equivalent to twenty (20) times the value of the CLIENT's contracted plan, without prejudice to claims for direct or indirect damages, including loss of profits.

10.4. Licensing. The CLIENT acknowledges that it is not acquiring any ownership rights over the intellectual property of the Platform. Instead, it is granted a limited, revocable, non-exclusive, non-transferable, non-customizable, and non-sublicensable license to use the Platform in accordance with these Terms of Use.

10.5. Limited Use. The CLIENT further declares awareness that the license granted only permits access to the Platform's content, features, and modules, provided that all conditions set forth in these Terms of Use—and, if applicable, any specific agreement signed with LUMX—are fully observed.

11. PROCESSING OF PERSONAL DATA AND DATA STORAGE

11.1. Privacy Policy. The processing of End Users' personal data, including collection, use, storage, and protection, will be conducted in accordance with the provisions outlined in LUMX's Privacy Policy, available on its official website.

11.2. Use of Cloud Computing Services. The CLIENT acknowledges that LUMX utilizes third-party providers to enable its services, including Google Cloud Platform (GCP), whose terms and conditions can be accessed at (https://cloud.google.com/terms). The CLIENT further understands that services provided by such third parties are subject to the terms and limitations described therein. LUMX will use its best efforts to ensure the adequate protection of transferred data, in compliance with applicable legislation.

11.3. International Data Transfer and Storage. When storing data internationally, LUMX commits to fully complying with Article 33 of Brazil's General Data Protection Law (LGPD), the guidelines established under Resolution CD/ANPD No. 19 of August 23, 2024, or any subsequent regulation. LUMX ensures that data transfers are conducted securely, respecting all applicable legal principles and rights.

12. FINAL PROVISIONS

12.1. Amendments. Regulations concerning data processing, intellectual property, taxation, cryptocurrencies, tokens, and other blockchain-related applications vary significantly across jurisdictions and are subject to uncertainties. Consequently, regulatory changes or the lack of legal stability in Brazil may impact the use of the Services governed by these Terms of Use. LUMX reserves the right to amend these Terms at its sole discretion.

12.2. Updates. These Terms of Use may be updated at any time without prior notice, provided there are no legal restrictions. Updated Terms will become effective upon publication. The CLIENT will be notified of anyupdates through notifications and/or email. Continued use of the Services after notification constitutes acceptance of the revised provisions.

12.3. Preservation of Terms. If any provision of these Terms of Use is deemed invalid or unenforceable, it shall be interpreted to best reflect the original intent of the parties while complying with applicable law. The remaining provisions shall continue in full force and effect.

12.4. Preservation of Rights and Exclusions of Liability. Failure by LUMX to enforce any provision of these Terms does not constitute a waiver of rights. LUMX retains the right to exercise its legal claims within applicable deadlines. Liability exclusions shall apply in cases of force majeure or unforeseen circumstances, in accordance with Brazilian law.

13. OUR OFFICIAL SERVICE CHANNELS

13.1. Support. For questions regarding these Terms of Use, the CLIENT may contact LUMX at: suporte@lumx.io.

13.2. Technical Support Conditions and SLAs. Technical support will be provided remotely and exclusively for issues related to the Services. Support is available on business days from 10:00 a.m. to 7:00 p.m. (Brasília Time - GMT-3), excluding holidays in Rio de Janeiro. Initial response times are up to 48 business hours from receipt of the inquiry. Resolution times will vary depending on case complexity. The primary goal is to deliver an efficient, helpful, and satisfactory client experience.

13.3. Client Support Responsibility. LUMX’s support obligations are limited to customer service for CLIENTS. Support for End Users remains the sole responsibility of the CLIENT, unless explicitly contracted otherwise.

14. APPLICABLE LAW AND JURISDICTION

14.1. Governing Law and Venue. These Terms of Use are governed by Brazilian law. Any disputes arising from or related to these Terms shall be exclusively settled in the jurisdiction of the District of Rio de Janeiro, notwithstanding any other forum that may otherwise be privileged. Efforts should first be directed towards resolving disputes through conciliation or mediation.