Terms of Service - Lumiswap

1. Introduction

Welcome to Lumiswap ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our mobile application and website (collectively, the "Service") operated by Lumiswap.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Acceptance of Terms

By creating an account, downloading our mobile application, or using our Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not use our Service.

3. Description of Service

Lumiswap is a platform that facilitates the trading of gift cards for cash. Our Service allows users to:

Sell unused gift cards for cash
Trade gift cards for other gift cards
Access real-time market rates for various gift card brands
Manage their trading history and account

We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

4. User Accounts

To use our Service, you must create an account. You agree to:

Provide accurate, current, and complete information
Maintain and update your information to keep it accurate
Keep your password secure and confidential
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized use

We reserve the right to refuse service, terminate accounts, or remove content at our sole discretion.

5. Trading Rules and Restrictions

When using our Service, you agree to:

Only trade legitimate gift cards that you legally own
Not trade stolen, fraudulent, or counterfeit gift cards
Not engage in money laundering or other illegal activities
Comply with all applicable laws and regulations
Not attempt to manipulate or exploit our pricing system
Not create multiple accounts to circumvent restrictions

Violation of these rules may result in immediate account termination and legal action.

6. Value Transfer Terms

Value transfer processing is handled by third-party processors. You agree to:

Provide accurate transfer information
Authorize transfers for completed transactions
Accept responsibility for all transfer-related fees
Understand that all trades are final unless otherwise specified

We reserve the right to hold value for verification purposes and may require additional documentation for large transactions.

7. Prohibited Uses

You may not use our Service:

For any unlawful purpose or to solicit others to perform unlawful acts
To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
To infringe upon or violate our intellectual property rights or the intellectual property rights of others
To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
To submit false or misleading information
To upload or transmit viruses or any other type of malicious code
To spam, phish, pharm, pretext, spider, crawl, or scrape
For any obscene or immoral purpose
To interfere with or circumvent the security features of the Service

8. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Lumiswap and its licensors. The Service is protected by copyright, trademark, and other laws.

Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

9. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

By using our Service, you consent to the collection and use of information in accordance with our Privacy Policy.

10. Disclaimers

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

Excludes all representations and warranties relating to this Service and its contents
Excludes all liability for damages arising out of or in connection with your use of this Service
Does not guarantee the accuracy, completeness, or timeliness of information
Reserves the right to modify or discontinue the Service without notice

11. Limitation of Liability

In no event shall Lumiswap, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

12. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

14. Governing Law

These Terms shall be interpreted and governed by the laws of the United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

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