1. Introduction

Welcome to the Luminex Payment Gateway. By accessing or using our payment platform, you agree to comply with and be bound by the following Terms & Conditions. The Terms and Conditions will govern your use of the Luminex Payment Gateway and outline your rights, responsibilities, and limitations.

2. Eligibility

• To use the Luminex Payment Gateway, you must be at least 18 years old or the legal age of majority in your jurisdiction.
• You must complete the Know Your Customer (KYC) process and provide accurate and valid information, as detailed in the KYC Compliance section below.
• Users must not be located in any country or region where the use of cryptocurrency or digital payment services is restricted or prohibited by law.

3. KYC Compliance

• Users are required to complete different levels of the Luminex KYC process to be able to use the full functionalities of the payment gateway.
• Any false or misleading information may result in the suspension or termination of your account.
• All data collected will be protected under the Data Protection and Privacy Law.

4. Permitted Uses

• The Luminex Payment Gateway may only be used for lawful purposes in compliance with all applicable local, state, national, and international laws and regulations.
• Users are prohibited from using the platform for:
  • Fraudulent activities
  • Money laundering, terrorism financing, or any other illegal activities.
  • Selling or purchasing illegal goods or services.

5. Fees and Charges

• Transaction fees may apply for certain services, including but not limited to conversions, withdrawals, and deposits. Fees will be disclosed prior to the completion of any transaction.
• Fees are subject to change without prior notice, but users will be informed of the updated fee structure on the platform.

6. Security Obligations

• Users are responsible for maintaining the confidentiality of their account credentials and for all activities conducted through their accounts.
• The Luminex Payment Gateway employs advanced encryption and security protocols to safeguard transactions, but users are responsible for securing their own devices and network connections.
• Any suspected unauthorized use of your account must be reported immediately to Luminex.

7. Liability and Indemnification

• Luminex is not liable for any losses resulting from:
  • User error, such as mistyped addresses or incorrect transaction details.
  • Network issues or delays beyond our control, including blockchain congestion.
  • Unauthorized access due to user negligence.
• Users agree to indemnify and hold Luminex harmless from any claims, damages, or expenses arising from their use of the platform or violation of these Terms.

8. Transaction Limits

• Withdrawal and transaction limits are subject to the user’s KYC verification level.
• Limits may vary based on regulatory requirements or internal policy changes.

9. Refunds and Disputes

• All transactions processed through the Luminex Payment Gateway are final and non-reversible.
• Refunds will only be processed in cases of demonstrable platform errors or unauthorized activity, subject to investigation.
• Disputes must be reported within 14 days of the transaction date and will be resolved at Luminex’s sole discretion.

10. Downtime and Maintenance

• The Luminex Payment Gateway may experience occasional downtime for maintenance or upgrades. Users will be notified in advance, except in emergency cases.
• Luminex is not liable for any losses incurred during periods of system unavailability.

11. Data Privacy

• By using the platform, users consent to the collection and processing of their personal data in accordance with our Privacy Policy.
• Luminex is committed to protecting user information and will not share data with third parties without user consent, except as required by law.

12. Termination of Service

• Luminex reserves the right to suspend or terminate accounts that violate these Terms or engage in prohibited activities.
• Users may voluntarily close their accounts, but all pending transactions must be completed before account closure.

13. Changes to Terms

• Luminex reserves the right to modify these Terms & Conditions at any time. Users will be notified of any significant changes via email or platform notification.
• Continued use of the platform constitutes acceptance of the updated Terms.

14. Governing Law and Dispute Resolution

• These Terms & Conditions are governed by the laws of Cayman Islands.
• Any disputes arising from the use of the Luminex Payment Gateway will be resolved through arbitration in accordance with Cayman Islands.

15. Contact Information

For questions or concerns about these Terms & Conditions, please contact our support team at support@luminex.vip