These are the rules of using Lumio. By signing up, you agree to them. We've written this in plain English wherever we could — and called out the parts most people skip.
By creating a Lumio account, connecting an email inbox, or using any part of the service, you agree to these Terms of Service ("Terms"). If you don't agree, don't use Lumio.
If you're using Lumio on behalf of a company or other entity, you represent that you have the authority to bind that entity to these Terms, and "you" in this document refers to that entity.
Lumio Labs ("we", "us", "Lumio") provides an AI agent that connects to your business email inbox to read, classify, and draft replies; raise invoices; track contacts and pipeline; and generate outbound leads. The exact features available depend on your subscription plan.
We may add, modify, or remove features at any time. Significant feature changes will be announced in advance.
You're responsible for keeping your account credentials secure. Don't share your login. If you suspect unauthorized access, change your password and email lumiolabagent@gmail.com immediately.
You're responsible for everything that happens under your account, including actions by anyone you give access to (team members on the Teams plan).
All amounts are in US dollars and exclude applicable taxes (HST/GST, VAT, sales tax), which will be added at checkout where required.
Your subscription auto-renews each month on the same date until you cancel. We'll charge the payment method on file unless you change or remove it.
You can cancel anytime from your dashboard. Cancellation takes effect at the end of your current billing period — you keep access until then. We don't pro-rate refunds for cancellations mid-cycle.
If you cancel within 14 days of your initial signup and you've genuinely tried the product but it doesn't work for you, email us and we'll refund the most recent payment. After 14 days, fees are non-refundable except where required by law.
If we change pricing, we'll give you at least 30 days' notice by email before the new price applies to your subscription. You can cancel before the new price takes effect if you don't agree.
If a payment fails, we'll retry over several days and email you. If payment can't be collected, we may suspend the account until it's resolved.
You agree not to use Lumio to:
We may suspend or terminate accounts that violate this section, with or without notice depending on the severity.
This section is important — read it.
Lumio uses artificial intelligence (provided by Anthropic) to generate email drafts, classify inbound messages, summarize content, and assist with other tasks. By default, drafts are not sent automatically — they appear in your Approvals queue for you to review, edit, and send.
You may optionally enable an auto-reply mode where the agent sends low-risk replies without your manual approval. If you enable this, you accept that messages will go out from your inbox without prior review by you, and you're responsible for the outcome.
AI-generated content from Lumio is not legal, medical, financial, or professional advice. Don't use Lumio to send communications where a professional's review is required by law or sound practice.
By connecting an inbox, you authorize Lumio to read incoming and recent sent mail, draft replies, send approved messages, and apply labels or move items on your behalf.
You must:
You own the data you put into Lumio — your emails, contacts, documents, brand assets, everything. You grant us a limited license to process that data for the sole purpose of providing the service to you.
The Lumio service, software, design, brand, documentation, and underlying technology are owned by Lumio Labs. These Terms don't transfer ownership of any of that to you — you get a non-exclusive, non-transferable right to use the service for the duration of your subscription.
If you send us suggestions, ideas, or feedback about the product, you grant us the right to use it without obligation to compensate or attribute you.
We may compile usage data into anonymized, aggregated statistics that can't identify you or any individual — and use that for product improvement, marketing, and benchmarking. This anonymized data may be retained even after your account closes.
We aim for high availability but don't promise any specific uptime. The service may be unavailable due to maintenance, third-party outages (Anthropic, Supabase, Stripe, Google, Microsoft), bugs, or things we can't foresee.
We'll do our best to schedule planned maintenance during off-peak hours and notify you in advance for any significant downtime.
The service is provided "as is" and "as available", without warranties of any kind, express or implied. To the maximum extent permitted by law, we disclaim all warranties — including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation.
We don't warrant that the service will meet your specific requirements, that any output will be accurate or reliable, or that errors will be corrected.
To the maximum extent allowed by law:
Some jurisdictions don't allow these limitations — in that case, our liability is limited to the maximum extent permitted by your local law.
You agree to indemnify and hold Lumio Labs and its officers, directors, employees, and contractors harmless from any claim, loss, or expense (including reasonable legal fees) arising from your misuse of the service, your violation of these Terms, your violation of any law, or your violation of someone else's rights.
You can close your account at any time from your dashboard. Cancellation ends your access at the end of the current billing period.
We may suspend or terminate your account if you breach these Terms, engage in fraudulent or abusive behavior, or fail to pay. For material breaches we'll give you notice and a chance to fix the issue when reasonable; for serious or repeated violations we may terminate immediately.
Once your account is closed, you lose access to the service. We'll keep your data for 90 days in case you reactivate, then delete it (see Privacy Policy for details). You can request earlier deletion at any time.
Sections that by nature should survive termination — IP, liability, indemnification, governing law — survive.
We may update these Terms from time to time. For material changes, we'll give you at least 30 days' notice by email and post the updated version on this page. Continuing to use the service after the effective date means you accept the new Terms. If you don't accept them, cancel before they take effect.
These Terms are governed by the laws of the Province of Ontario, Canada, without regard to conflict of laws principles.
Any dispute arising from these Terms or your use of Lumio will be resolved in the courts located in Ottawa, Ontario, Canada, and you consent to the exclusive jurisdiction of those courts.
Before filing any formal claim, you agree to first contact us at lumiolabagent@gmail.com and give us 30 days to try to resolve the issue informally.
These Terms and our Privacy Policy are the entire agreement between you and Lumio about your use of the service. They replace any prior agreements or communications.
If any part of these Terms is found unenforceable, the rest stays in effect.
If we don't enforce a right under these Terms, we haven't given up that right.
You can't assign these Terms or your account to someone else without our written agreement. We can assign these Terms (for example, in connection with a merger or sale of the business).
We're not liable for delays or failures caused by events beyond our reasonable control — natural disasters, power outages, internet failures, third-party service interruptions, government action, and similar events.
For questions about these Terms, contact lumiolabagent@gmail.com. We'll respond within 5 business days.