Terms of Service

1. Agreement to Terms

By accessing or using Lume’s website and services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you do not have permission to access our services.

2. Pre-Launch Notice

Lume is currently in development. By joining our waiting list, you understand that:

• Services are not yet available for purchase
• Features and pricing may change before launch
• Early access and promotional offers are subject to availability
• We will notify you via email when services become available

3. Insurance Services

Once operational, Lume will provide specialist watch insurance services. Our insurance products will be:

• Subject to underwriting criteria
• Regulated by the Financial Conduct Authority (FCA)
• Governed by separate insurance policy terms and conditions
• Available to UK residents aged 18 and over

4. User Obligations

You agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Comply with all applicable UK laws and regulations
• Not use our services for any unlawful purpose

5. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Lume or its content suppliers and is protected by UK and international copyright laws.

6. Limitation of Liability

To the fullest extent permitted by UK law, Lume shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.

7. Privacy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the site and informs users of our data collection practices.

8. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through our website. Your continued use of the service after changes constitutes acceptance of the new terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Contact Information

For questions about these Terms of Service, please contact us at: