# Terms of Service **Effective Date:** February 2026\ **Last Updated:** February 2026 *** ### 1. Acceptance of Terms Welcome to LUMI AI. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and LUMI AI ("we," "us," "our," or the "Platform") governing your access to and use of the LUMI AI website, platform, and services located at [www.lumiaicoin.com](http://www.lumiaicoin.com). **BY ACCESSING OR USING OUR PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM.** *** ### 2. Definitions
TermDefinition
$LUMIThe governance token of the LUMI AI ecosystem, generated exclusively through ecosystem rewards
$LETThe utility token used as fuel for transactions and mining within the LUMI AI ecosystem
NodeA participant status obtained through contribution to the ecosystem, entitling holders to ecosystem rewards
ContributionThe donation of USDT to participate in the Node Program
Ecosystem RewardsRewards distributed to participants based on their node status and ecosystem activity
Prohibited JurisdictionAny country or territory where participation in the Platform is restricted
*** ### 3. Eligibility and Geographic Restrictions #### 3.1 General Eligibility To use the Platform, you must: 1. Be at least 18 years of age or the age of legal majority in your jurisdiction 2. Have the legal capacity to enter into binding agreements 3. Not be prohibited from using the Platform under applicable laws 4. Not be located in, a resident of, or a citizen of any Prohibited Jurisdiction #### 3.2 Prohibited Jurisdictions **THE PLATFORM AND ALL ASSOCIATED SERVICES ARE STRICTLY PROHIBITED FOR USERS IN THE FOLLOWING JURISDICTIONS:** | Category | Jurisdictions | | ------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Absolute Prohibition** | United States of America (including all states, territories, and possessions), People's Republic of China (including Hong Kong SAR, Macau SAR, and Taiwan) | | **Sanctioned Countries** | North Korea (DPRK), Iran, Syria, Cuba, Sudan, South Sudan | | **Sanctioned Regions** | Crimea, Donetsk People's Republic, Luhansk People's Republic | | **Other Restricted** | Any jurisdiction where digital asset activities, token distributions, or similar activities are prohibited or require licensing that we do not possess | #### 3.3 User Representations By using the Platform, you represent and warrant that: 1. You are NOT a citizen, resident, or located in any Prohibited Jurisdiction 2. You are NOT accessing the Platform from any Prohibited Jurisdiction 3. You will NOT use any technology (including VPN, proxy servers, or similar tools) to circumvent geographic restrictions 4. You are NOT on any government sanctions list, including but not limited to OFAC SDN List, UN Security Council Sanctions List, or EU Consolidated List 5. You will immediately cease all Platform activity if you become subject to any Prohibited Jurisdiction **VIOLATION OF THESE RESTRICTIONS MAY RESULT IN IMMEDIATE TERMINATION OF ACCESS AND FORFEITURE OF ANY PENDING REWARDS.** *** ### 4. Nature of $LUMI Token #### 4.1 Governance Token $LUMI is the **governance token** of the LUMI AI ecosystem. It is important to understand the following: | Aspect | Description | | --------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Generation Method** | $LUMI is generated **exclusively through ecosystem rewards**. There is NO initial coin offering (ICO), NO token sale, and NO direct purchase mechanism for $LUMI | | **Purpose** | $LUMI is designed for governance participation, staking, and receiving ecosystem rewards | | **Distribution** | $LUMI is distributed as rewards to $LET holders, miners, traders, and fee contributors within the ecosystem | | **Not an Investment** | $LUMI is NOT an investment product, security, or financial instrument | #### 4.2 Reward Distribution $LUMI tokens are distributed to ecosystem participants as follows:
Recipient CategoryDescription
$LET HoldersUsers who hold $LET tokens receive $LUMI rewards based on their holdings
MinersParticipants in the mining mechanism receive $LUMI as part of block rewards
TradersActive traders within the ecosystem receive $LUMI rewards based on trading activity
Fee ContributorsUsers who contribute to ecosystem fees receive proportional $LUMI rewards
Node OperatorsNode participants receive $LUMI rewards based on their node tier and ecosystem activity
*** ### 5. Node Contribution Program #### 5.1 Nature of Contribution The Node Contribution Program allows users to participate in the LUMI AI ecosystem by **donating USDT** to obtain node qualification. It is essential to understand: | Aspect | Description | | ------------------------- | ------------------------------------------------------------------------------------------------------------------------ | | **Donation Nature** | Contributions are **donations** to support ecosystem development, NOT purchases, investments, or securities transactions | | **No Refunds** | All contributions are final and **non-refundable** | | **No Guaranteed Returns** | Node qualification does NOT guarantee any specific returns, profits, or rewards | | **Ecosystem Rewards** | Node participants are eligible for ecosystem rewards based on ecosystem performance and activity | #### 5.2 Node Tiers | Node Type | Description | Ecosystem Benefits | | ---------------- | --------------------------- | --------------------------------------------------------------------------- | | **Genesis Node** | Core governance node | Highest reward allocation, governance voting rights, priority participation | | **Nexus Node** | Ecosystem contribution node | Medium reward allocation, community governance participation | | **Pulse Node** | Active participation node | Base reward allocation, mining acceleration benefits | #### 5.3 Contribution Process 1. User connects a compatible cryptocurrency wallet 2. User selects desired node tier 3. User donates the required USDT amount 4. Upon confirmation, user receives node qualification 5. Node qualification entitles user to ecosystem rewards as distributed by smart contracts #### 5.4 Ecosystem Rewards Node participants receive ecosystem rewards from various sources within the LUMI AI ecosystem, including but not limited to: | Reward Source | Description | | ---------------------- | ----------------------------------------------------- | | **Transaction Fees** | Proportional share of ecosystem transaction fees | | **Block Rewards** | Share of $LET mining block rewards allocated to nodes | | **Governance Rewards** | Rewards for participation in ecosystem governance | **All rewards are subject to ecosystem performance and smart contract execution. No specific reward amounts are guaranteed.** *** ### 6. Risks and Disclaimers #### 6.1 General Risks **YOU ACKNOWLEDGE AND ACCEPT THE FOLLOWING RISKS:** | Risk Category | Description | | ------------------- | --------------------------------------------------------------------------------------------------------------------------- | | **Market Risk** | Digital asset values are highly volatile and may decrease significantly or become worthless | | **Technology Risk** | Smart contracts may contain bugs, vulnerabilities, or be subject to exploits | | **Regulatory Risk** | Laws and regulations regarding digital assets may change, potentially affecting the Platform or your ability to participate | | **Liquidity Risk** | There may be limited or no market for tokens, making it difficult or impossible to sell or exchange them | | **Loss Risk** | You may lose all or part of your contribution and any rewards received | #### 6.2 No Investment Advice The Platform does NOT provide investment, financial, legal, or tax advice. Nothing on the Platform should be construed as such advice. You should consult with qualified professionals before making any decisions related to digital assets. #### 6.3 No Guarantees We make NO guarantees regarding: 1. The value or price of any tokens 2. The amount or timing of any rewards 3. The continued operation of the Platform 4. The success of the LUMI AI ecosystem 5. Any specific outcomes from participation #### 6.4 Disclaimer of Warranties THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. *** ### 7. User Responsibilities #### 7.1 Wallet Security You are solely responsible for: 1. Maintaining the security of your wallet and private keys 2. All activities that occur through your wallet 3. Any losses resulting from unauthorized access to your wallet #### 7.2 Compliance You are responsible for: 1. Complying with all applicable laws and regulations in your jurisdiction 2. Determining whether your participation is legal in your jurisdiction 3. Reporting and paying any applicable taxes #### 7.3 Accurate Information You agree to provide accurate and truthful information and to update such information as necessary. *** ### 8. Intellectual Property All content, trademarks, logos, and intellectual property on the Platform are owned by or licensed to LUMI AI. You may not use, copy, modify, or distribute any Platform content without our prior written consent. *** ### 9. Limitation of Liability #### 9.1 Limitation TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUMI AI AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR: 1. Any indirect, incidental, special, consequential, or punitive damages 2. Any loss of profits, revenue, data, or goodwill 3. Any damages arising from your use of or inability to use the Platform 4. Any damages arising from unauthorized access to your wallet or data 5. Any damages exceeding the amount of your contribution #### 9.2 Acknowledgment You acknowledge that the limitations of liability in this section are essential terms of these Terms and that we would not provide the Platform without such limitations. *** ### 10. Indemnification You agree to indemnify, defend, and hold harmless LUMI AI and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: 1. Your use of the Platform 2. Your violation of these Terms 3. Your violation of any applicable laws or regulations 4. Your violation of any third-party rights *** ### 11. Termination #### 11.1 By User You may stop using the Platform at any time. However, contributions are non-refundable and node qualifications cannot be transferred or cancelled. #### 11.2 By LUMI AI We may terminate or suspend your access to the Platform at any time, without notice, for any reason, including but not limited to: 1. Violation of these Terms 2. Suspected fraudulent or illegal activity 3. Location in or connection to a Prohibited Jurisdiction 4. Any other reason we deem necessary to protect the Platform or its users *** ### 12. Dispute Resolution #### 12.1 Governing Law These Terms shall be governed by and construed in accordance with the laws of the British Virgin Islands, without regard to its conflict of law provisions. #### 12.2 Arbitration Any dispute arising from or relating to these Terms shall be resolved through binding arbitration in accordance with the rules of the International Chamber of Commerce (ICC). The arbitration shall be conducted in English in Singapore. #### 12.3 Waiver of Class Action YOU AGREE TO RESOLVE ANY DISPUTES ON AN INDIVIDUAL BASIS AND WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTIONS OR CLASS ARBITRATIONS. *** ### 13. Modifications We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on the Platform and updating the "Last Updated" date. Your continued use of the Platform after any changes constitutes acceptance of the modified Terms. *** ### 14. Severability If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. *** ### 15. Entire Agreement These Terms, together with our Privacy Policy, constitute the entire agreement between you and LUMI AI regarding your use of the Platform and supersede all prior agreements and understandings. *** ### 16. Contact Information For questions about these Terms, please contact us: * **Website:** [www.lumiaicoin.com](http://www.lumiaicoin.com) * **Email:** * **Twitter/X:** [@lumiaicoin](https://x.com/lumiaicoin) * **Telegram:** [t.me/lumiaicoin](https://t.me/lumiaicoin) *** ### 17. Acknowledgment **BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT:** 1. You have read and understood these Terms in their entirety 2. You agree to be bound by these Terms 3. You meet all eligibility requirements 4. You are NOT located in any Prohibited Jurisdiction 5. You understand the risks associated with digital assets and blockchain technology 6. You are participating voluntarily and at your own risk 7. Contributions are donations and are non-refundable 8. $LUMI is a governance token generated through rewards, not an investment product *** *© 2026 LUMI AI. 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