The website www.luma.co.uk (Site) is owned and operated by MI Money Ltd trading as Luma (Luma). MI Money Ltd is part of the Media Ingenuity Group and is wholly-owned by Media Ingenuity Holdings Ltd. MI Money Ltd is registered in England and Wales under company number 06967012. Its registered office at Eastcastle House, 27-28 Eastcastle Street London WIW 8DH and main trading address at Churchill House, 142-146 Old Street, London EC1V 9BW. Luma’s credit card introduction services are provided by MI Money Ltd (CCA Licence Number 0634195).By using www.luma.co.uk you agree to these terms and conditions – which govern your use of the Site, as well as the Site’s content and any email correspondence between Luma and you.
1. User of this Site
1.1 Access to the Site is permitted on a temporary basis – and Luma reserves the right to withdraw or amend its online service without notice. Luma will not be liable if, for any reason, the Site is unavailable at any time or for any period. From time to time, Luma may restrict access to some, or all, of the Site.
1.2 The rights in the intellectual property, designs, artwork, logos, photographs and content of the Site are owned by, or licensed to, Luma. Throughout the world they are hey are protected by copyright, trade mark, and other laws and treaties. All such rights are reserved. You may print and download extracts of any page from the Site for your personal reference – and may draw the attention of others to material posted on the Site. You may not otherwise copy, reproduce, modify, distribute, republish, display, post or transmit any part of the Site without the written permission of Luma.
2. Contents and advertisements
2.1 Commentaries and other materials posted on the Site are not intended to offer advice. Luma disclaims all liability and responsibility arising from any reliance placed on these materials by any visitor to the Site, or by anyone who may be informed of its contents.
2.2 Where the Site contains links to other websites and resources, provided by third parties, they are provided for information and convenience only. Luma has no control over the contents of those websites or resources, and accepts no responsibility for them – or for any loss or damage that may arise from using them. Luma in no way recommends, endorses or guarantees the validity of any content, information, advertising, products, services or other materials provided on any third party websites or resources. Luma is not responsible for any contract entered into with a third party through the use of the Site.
3. Luma Liability
3.1 The content on the Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, Luma, other members of their group of companies, and third parties connected to Luma expressly exclude:
(a) All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity
(b) Any liability for direct, indirect or consequential loss or damage incurred by any user in connection with the Site – or in connection with the use, inability to use, or results of using the Site, any websites linked to it, and any materials posted on it – including, without limitation, any liability for:
(i) loss of income or revenue;
(ii) loss of business;
(iii) loss of profits or contracts;
(iv) loss of anticipated savings;
(v) loss of data;
(vi) loss of goodwill;
(vii) wasted management or office time; and
(viii) Any other loss or damage of any kind, however arising, even if foreseeable, and whether caused by tort (including negligence),
breach of contract, or otherwise.
(c) Clause 3.1(b) shall not prevent claims for loss of, or damage to, your tangible property – or any other claims for direct financial loss that are not excluded by any of the categories set out above.
3.2 Nothing affects Luma’s liability for death or personal injury arising from its negligence, nor for its liability for fraudulent misrepresentation or misrepresentation, or any other liability which cannot be excluded or limited under applicable law.
4. Data protection and privacy
5. Uploading material to the Site
5.1 Any material you upload to the Site will be considered non-confidential and non-proprietary. This means we have the right to use, copy, distribute and disclose this material to third parties, for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to the Site constitutes a violation of their intellectual property rights, or of their right to privacy.
5.2 Whenever you use a feature that allows you to upload material to the Site you warrant that you have all rights and permissions to upload any such contributions – and you indemnify Luma for any breach of that warranty.
5.3 We will not be responsible, or liable, to any third party for the content or accuracy of any materials posted by you or any other user of the Site.
6. Viruses, hacking and other offences
6.1 You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which it is stored, or any server, computer or database connected to it. You must not harm the Site via a denial-of-service attack or a distributed denial-of-service attack.
6.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Site will cease immediately.
6.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material, due to your use of the Site, downloading material from the Site or visiting a website linked to the Site.
7. Changes to the terms
7.2 We aim to update the Site regularly and may change the content at any time. If the need arises, we may suspend access to the Site, or close it indefinitely. Any of the material on the Site may be out of date at any given time, and we are under no obligation to update such material.
8. Governing law and jurisdiction