Terms and Conditions

1. Acceptance of Terms

By accessing and using the Lumonel platform, website, and services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. These terms constitute a legally binding agreement between you and Lumonel LTD ("Lumonel", "we", "us", or "our").

2. Eligibility and Account Registration

Age Requirement

You must be at least 18 years old to use our Services. By using the Services, you represent and warrant that you meet this age requirement.

Account Creation

To access certain features of our platform, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

3. Investment Services

Nature of Services

Lumonel provides a platform for fractionalized energy investments. Our Services allow investors to participate in renewable energy projects through our innovative investment platform.

Investment Risks

All investments carry inherent risks. By using our Services, you acknowledge and understand that:

• Investment values may fluctuate and you may lose some or all of your investment
• Past performance does not guarantee future results
• Energy markets are subject to regulatory, economic, and environmental factors
• Returns are not guaranteed and may vary significantly
• You should consult with qualified financial advisors before making investment decisions

No Investment Advice

The information provided on our platform is for informational purposes only and does not constitute financial, investment, or legal advice. Lumonel is not a registered investment advisor, and you should seek professional advice tailored to your specific circumstances.

4. User Obligations and Conduct

When using our Services, you agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Provide false, misleading, or fraudulent information
• Engage in money laundering, terrorist financing, or other illegal activities
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use automated tools or bots to access the Services without permission
• Interfere with or disrupt the integrity or performance of the Services
• Copy, modify, distribute, or reverse engineer any part of our platform
• Use the Services for any unlawful or unauthorized purpose

5. Intellectual Property Rights

Our Content

All content, features, and functionality on the Lumonel platform, including but not limited to text, graphics, logos, images, software, and data compilations, are the exclusive property of Lumonel or its licensors and are protected by international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use, subject to these Terms and Conditions.

Restrictions

You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any material from our Services without prior written consent from Lumonel.

6. Payment and Fees

Investment Amounts

Minimum investment amounts, payment methods, and processing times are specified on our platform and may vary by investment opportunity.

Fees and Charges

Lumonel may charge platform fees, management fees, or other charges as disclosed in the investment documentation. All fees will be clearly communicated before you complete any transaction.

Payment Processing

Payments are processed through secure third-party payment processors. You agree to comply with their terms and conditions. Lumonel is not responsible for delays or errors caused by payment processors.

7. Withdrawals and Returns

Investment returns and withdrawal procedures are governed by the specific terms of each investment opportunity. Withdrawal requests are subject to availability, lock-up periods, and applicable terms outlined in the investment documentation.

8. Privacy and Data Protection

Your use of the Services is subject to our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

9. Disclaimers and Limitation of Liability

Service Availability

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUMONEL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your use or inability to use the Services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from the Services
• Any bugs, viruses, or other harmful code that may be transmitted through the Services
• Investment losses or poor investment performance
• Any errors or omissions in content or information

10. Indemnification

You agree to indemnify, defend, and hold harmless Lumonel, its affiliates, officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your violation of these Terms and Conditions
• Your violation of any rights of another party
• Your use or misuse of the Services
• Your breach of any applicable laws or regulations

11. Termination

Termination by You

You may terminate your account at any time by contacting us at support@lumonel.com. Active investments will remain subject to their respective terms even after account termination.

Termination by Us

We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms and Conditions
• Fraudulent or illegal activity
• Failure to provide required documentation
• Extended periods of inactivity

12. Regulatory Compliance

Lumonel operates in compliance with applicable securities laws and regulations. Certain investment opportunities may only be available to qualified or accredited investors as defined by applicable regulations. You agree to provide accurate information regarding your investor status when required.

13. Dispute Resolution

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Finland, without regard to its conflict of law provisions.

Arbitration

Any dispute arising out of or relating to these Terms and Conditions or the Services shall be resolved through binding arbitration in accordance with the rules of the Finnish Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

14. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to the platform with an updated "Last Updated" date. Your continued use of the Services after any changes constitutes your acceptance of the new Terms and Conditions.

15. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or agreements published by us on the Services, constitute the entire agreement between you and Lumonel regarding the Services.

17. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

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Email: legal@lumonel.com

Support: support@lumonel.com

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Mailing Address:

Lumonel LTD

Torikatu 78

90120 Oulu, Finland

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Last Updated: January 2025