# Overview

Lumen Money is a decentralized lending and borrowing platform built on Neon EVM. 

The protocol operates in a peer-to-peer manner, eliminating the need for intermediaries such as banks or traditional financial institutions.

Lumen Money aims to be the prime lending platform within the Neon EVM Ecosystem by offering the highest competitive incentives for money markets and having the deepest liquidity.

At its launch, Lumen Money will support a selection of high-liquidity money markets, featuring incentives that dynamically adapt in response to market conditions:

* ETH
* SOL
* USDT
* USDC


# Neon EVM

**What is NEON EVM?**

Neon EVM is a fully compatible Ethereum environment solution built on the Solana blockchain. The platform allows developers to deploy Ethereum dApps with minimal reconfiguration required: allowing Ethereum developers to build without Rust.

**Why Neon EVM?**

Neon EVM integrates the superior features of both Ethereum and Solana, creating a robust ecosystem for seamless development, enhanced scalability, and unparalleled transaction efficiency.

Neon EVM can process multiple transactions simultaneously, which means that more users can interact with the network at the same time. This can enhance the user experience and reduce congestion on the network.

Neon EVM can verify and finalize transactions faster than a sequential execution, so users do not have to wait long to see their transactions reflected on the blockchain. This can also reduce gas fees and increase security.


# Lumen Loyalty Program

Lumen Loyalty Points will be used to determine each user's on-chain contribution to the Lumen ecosystem. Points Program leaderboard will be the main benchmark for incentive distribution.

**How to Earn Lumen Loyalty Points?**

For the initial phase of this program, users can earn points by supplying or borrowing assets available on the Lumen Money protocol.

Every $1 worth of assets deposited will earn you 1 Point per day, and every $1 worth of assets borrowed will earn you 4 Points per day.

Points will accrue based on daily snapshots of the user positions.

There will be more ways to earn points soon!


# FAQ

Coming Soon...


# Key Features

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2F14wazyEnXBwaYLgofFES%2Fk_f_3.png?alt=media&amp;token=c26ef240-376b-4012-b0a4-0f77652a19d8" alt=""><figcaption></figcaption></figure>

1. **Decentralized and Trustless:** Lumen Money leverages the power of blockchain technology, specifically smart contracts, to create a decentralized lending ecosystem. It operates on a public blockchain, ensuring transparency, immutability, and security of all transactions and user data.
2. **Borrowing and Lending:** Lumen Money allows users to borrow and lend a wide range of cryptocurrencies and tokens. Borrowers can request loans by pledging their existing digital assets as collateral, while lenders can offer loans by locking their assets into the protocol's liquidity pool.
3. **Collateralized Loans:** Lumen Money employs a collateralized lending model, where borrowers must deposit a certain amount of digital assets as collateral to secure their loans. This collateral reduces the risk for lenders and allows borrowers to access funds without a credit check or extensive documentation.
4. **Isolated Pools**: Isolated Pools are designed to overcome the limitations of a single-core pool. Each Isolated Pool is an independent collection of assets with custom risk management configurations. This setup allows users to better manage their risk and earn yield, while also preventing failures in one market from impacting others.
5. **Smart Contracts:** Lumen Money utilizes smart contracts to automate the lending process. These self-executing contracts act as agreements between borrowers and lenders, enforcing the terms and conditions of the loan. Smart contracts hold the collateral during the loan period and automatically release it upon loan repayment or liquidation.
6. **Interest Rates and Terms:** Lumen Money offers a flexible interest rate mechanism that is determined by the supply and demand dynamics of the platform. Lenders can set their desired interest rates based on market conditions, while borrowers can choose the loan offers that best suit their needs. Loan durations and repayment terms are also customizable, allowing users to tailor their borrowing experience.
7. **Liquidation Mechanism:** In the event of default or under-collateralization, Lumen Money employs an automated liquidation mechanism. If the value of the collateral falls below a certain threshold, the protocol can liquidate the collateral and repay the lender accordingly. This ensures the safety of lenders' funds and discourages borrowers from defaulting on their loans.
8. **Integration and Interoperability:** Lumen Money aims to integrate with other DeFi protocols and platforms, creating an interconnected ecosystem that enhances liquidity and expands the range of available assets for borrowing and lending. Integration with decentralized exchanges (DEXs) and other lending protocols can further enhance the usability and accessibility of the Segment Finance platform.


# Collaterals and Reserves

{% tabs %}
{% tab title="Collateral Factor" %}
The Collateral Factor serves as the upper limit for the amount you can borrow against a particular asset. It reflects the extent to which an asset can be used as collateral within the protocol, affecting the borrowing capacity of the user.

Assets with higher liquidity or larger market capitalization typically enjoy higher collateral factors. Conversely, smaller or less liquid assets tend to have lower collateral factors. When an asset possesses a collateral factor of 0%, it cannot be utilized as collateral for securing loans or be subject to seizure during a forced liquidation event. However, it's important to note that even assets with a 0% collateral factor can still be borrowed.

**Example**: if the collateral factor for USDT is 90%, the maximum amount of FDUSD you would be able to borrow in other assets (assuming a deposit of 1000 USDT) would be $900.
{% endtab %}

{% tab title="Reserve Factor" %}
The reserve factor is the percentage of Fee paid to Lumen Money Protocol. If the reserve factor is 10, then that would imply that 10% of the interest paid on the asset is for Lumen Money.
{% endtab %}
{% endtabs %}

| TOKEN | COLLATERAL FACTOR | RESERVE FACTOR |
| ----- | ----------------- | -------------- |
| ETH   | 40%               | 20%            |
| SOL   | 65%               | 20%            |
| USDT  | 70%               | 10%            |
| USDC  | 70%               | 10%            |
| NEON  | 40%               | 20%            |


# Liquidation

A liquidation is a process that occurs when a borrower's **Health Factor** is reduced to 1 or lower due to their collateral value not properly covering their loan/debt value. This might happen when the collateralized asset value decreases or the borrowed asset value increases.

Liquidation is determined by factors related to the collateral used to secure borrowed assets, which are used to calculate the initial borrowing capacity. ([Collaterals and Reserves](/protocol/collaterals-and-reserves))

When the outstanding borrowed amount in an account surpasses the predefined limits set by these collateral factors, that account becomes eligible for liquidation.&#x20;

Liquidation can be initiated by a liquidator, which can be a bot, smart contract, or individual user. This process involves invoking the "absorb" function, which transfers control of the account's collateral to the liquidator and returns the collateral's value to the user, minus a penalty known as the liquidation factor, in the form of the base asset.

In a liquidation, up to 50% of the borrowing debt is repaid and that value plus the liquidation fee is taken from the collateral available. After a liquidation, that amount liquidated from your debt is repaid.

Each absorption is paid for by the protocol’s reserves of the base asset. In return, the protocol receives the collateral assets. If the remaining reserves are less than the target, liquidators are able to buy the collateral at a discount using the base asset, which increases the protocol’s base asset reserves.&#x20;


# Interest Rate Model

**Overview**

Lumen Money offers variable interest rates for markets using two different models: the Jump Rate Model and the Whitepaper Rate Model. Each market operates under one of these models with specifically set risk parameters at the market's inception. Moreover, some markets feature a stable rate.

**Jump Rate Model**

The Jump Rate Model uses the following formulas to calculate the interest:

For Borrow rate:

***borrow\_rate(u)=b+a1⋅kink+a1⋅min⁡(0,u−kink)+a2⋅max⁡(0,u−kink)***

And, for Supply rate:

***supply\_rate(u)=borrow\_rate(u)⋅us⋅(1−reserve\_factor)***

Where,

***us=borrows/ (cash+borrows−reserves+badDebt)***

The borrow rate employs different formulas when the utilization rate falls into two distinct ranges:

If `u < kink`:

***borrow\_rate(u)=a1⋅u+b***

If `u > kink`:

***borrow\_rate(u)=a 1 ​ ⋅kink+a 2 ​ ⋅(u−kink)+b***

**Model Parameters**

* `a1`: Variable interest rate slope1.
* `a2`: Variable interest rate slope2.
* `b`: Base rate per block (`baseRatePerYear / blocksPerYear`).
* `kink`: Optimal utilization rate, at which the variable interest rate slope shifts from slope1 to slope2.
* `reserve_factor`: Part of interest income withdrawn from the protocol, i.e., not distributed to suppliers.

The utilization rate (`u`) is defined as:

***utilization\_rate=(borrows+bad\_debt)/(cash+borrows+bad\_debt−reserves)***

​Where:

* `borrows`: Amount of borrows in the market, in terms of the underlying asset, excluding bad debt.
* `cash`: Total amount of the underlying asset owned by the market at a specific time.
* `reserves`: Amount of the underlying asset owned by the market but unavailable for borrowers or suppliers, reserved for various uses defined by the protocol's tokenomics.
* `bad_debt`: After liquidators repay as much debt as possible, reducing collateral to a minimal amount, the remaining debt is tagged as bad debt. Bad debt doesn’t accrue interest.


# Security

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FEFHuyGFvNUWRVjmMGh90%2Fsecurityyy.png?alt=media&amp;token=509b0f0a-79cd-4a82-aacd-aa92cbd6496e" alt=""><figcaption></figcaption></figure>

Lumen Money leverages the extensively audited and battle-tested codebase of Compound V2, establishing a robust foundation for security.

Additionally, Lumen Money operates a [bug bounty program](/protocol/security/bug-bounty) aimed at continuously enhancing the protocol's security measures.

**Protocol Operations**

To further bolster security, all contracts are equipped with a 48-hour transaction timelock, and administrative access is managed through a multisignature system.

**Price Feeds**

In order to help safeguard money market activities on Lumen, we needed to integrate accurate, reliable, and high-frequency price feeds.&#x20;

After evaluating various oracle solutions, we chose to integrate the permissionless pull-type oracles from the [Pyth Network](https://pyth.network/), which is one of the most reputable and reliable data providers in the industry.&#x20;

This integration allows us to precisely monitor asset values and initiate liquidations as necessary.


# Bug Bounty

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2Fn8eQFNyWawnWh72DDCqT%2Fbug_bounty.png?alt=media&amp;token=3ccc6842-fc88-4260-a7bb-b8a25896f9b5" alt=""><figcaption></figcaption></figure>

### Program Overview

The bug bounty program covers the Lumen smart contracts and is focused on preventing thefts and freezing of funds. The Lumen smart contracts are fully[ open source](https://github.com/Lumen-Money).

### Rewards

| Severity | Max Prize                                |
| -------- | ---------------------------------------- |
| Critical | 10% of value at risk, up to $100,000 USD |
| High     | $20,000 USD                              |
| Medium   | $2,000 USD                               |

Severity is classified by the following:

| Severity | Description                                                                                                                                                  |
| -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Critical | Empty or freeze the contract's holdings (e.g. economic attacks, flash loans, reentrancy, MEV, logic errors, integer over-/under-flow) - Cryptographic flaws  |
| High     | Token holders temporarily unable to transfer holdings - Users spoof each other - Theft of yield - Transient consensus failures                               |
| Medium   | Contract consumes unbounded gas - Block stuffing - Griefing denial of service (i.e. attacker spends as much in gas as damage to the contract) - Gas griefing |

The actual prize amount is determined by a combination of factors including but not limited to severity, value at risk, and likelihood of being exploited.

Payouts will be done in USDC on Neon EVM.

### Reporting

Email us a detailed description of the attack at <security@lumen.money>. Critical and High bug reports must come with a proof of concept.

### Scope

**Assets in Scope**&#x20;

[Smart contract code](https://github.com/Lumen-Money/lumen-protocol)

**Impacts in Scope**

Only the following impacts are accepted within this bug bounty program. All other impacts are not considered as in-scope, even if they affect the assets in the scope table.

**Smart Contracts**

* Loss of user funds staked (principal) by freezing or theft
* Loss of governance funds
* Theft of unclaimed yield
* Freezing of unclaimed yield
* Temporary freezing of funds for at least 1 hour
* Unable to call smart contract

**Known Issues (not qualified)**

Bug reports involving position limit, where a user can only have so many positions before actions fail due to the computation limit, are not accepted in this bug bounty program.

Bug reports involving borrow limit, where a user can borrow even when the limit is set, are not accepted in this bug bounty program.

**Prioritized Vulnerabilities**

We are especially interested in receiving and rewarding vulnerabilities of the following types:

**Smart Contracts and Blockchain**

* Re-entrancy
* Logic errors, including user authentication errors
* Trust/dependency vulnerabilities/ Composability vulnerabilities
* Oracle failure/manipulation
* Economic/financial attacks/ Flash loan attacks
* Congestion and scalability
* Consensus failures
* Cryptography problems
* Susceptibility to block timestamp manipulation
* Missing access controls / unprotected internal or debugging interfaces

### Out of Scope Rules

#### Out of Scope Rules

The following vulnerabilities are excluded from the rewards for this bug bounty program:

* Attacks that the reporter has already exploited themselves, leading to damage
* Attacks requiring access to leaked keys/credentials
* Attacks requiring access to privileged addresses (governance, strategist)

**Smart Contracts and Blockchain**

* Incorrect data supplied by third party oracles
* Lack of liquidity
* Best practice critiques
* Sybil attacks

The following activities are prohibited by this bug bounty program:

* Any testing with mainnet contracts; all testing should be done on devnet or private testnets
* Any testing with live pricing oracles or live third party smart contracts
* Attempting phishing or other social engineering attacks against our employees and/or customers
* Any testing with third party systems and applications (e.g. browser extensions) as well as websites (e.g. SSO providers, advertising networks)
* Any denial of service attacks
* Automated testing of services that generates significant amounts of traffic
* Public disclosure of an unpatched vulnerability in an embargoed bounty\ <br>


# Roadmap

**Q2 - 2024**

* Lumen Money socials are launched.
* Lumen Money dapp launches with the initial money markets going live.
* Audit and/or Bug Bounty process goes live.

**Q3 - 2024**

* Isolated Pools goes live.
* Integration of additional core money markets.
* $LUMEN goes live at the end of the Points Program.

**Q4 - 2024**

&#x20;


# Deployed Contracts

<table><thead><tr><th width="192">Definition</th><th>Contract Address</th></tr></thead><tbody><tr><td>Unitroller</td><td>0x252dBa92827744e6d2b01f1c9D77dcD3CBAb4573</td></tr><tr><td>Oracle</td><td>0x26473E42ead2BCC2Ed6679a48a670a71C1B6Ce4a</td></tr><tr><td>Timelock</td><td>0x459f1A2fA6966Bff9351A66fe09662873595a7B2</td></tr><tr><td>Multisig</td><td>0x631c615d403ddf4ead7b6fec5b2b2d11664d71d2</td></tr><tr><td>luUSDC</td><td>0x529b0D6b4Affe7fee071Bd571180818892F6f24c</td></tr><tr><td>luUSDT</td><td>0x8Ce2AD7f4800AA9A41e8fE76F32aa45844928815</td></tr><tr><td>luETH</td><td>0xBCbfA48eA5b8C20aA843a610A64a9756DFd1B686</td></tr><tr><td>luSOL</td><td>0x5fAcD461Abba0C817E8e43Fb21B3C9D51bbC95FC</td></tr><tr><td>luNEON</td><td>0x3A81c854dCF6172cE3a7fFF024ECF20d8Ac2A1af</td></tr></tbody></table>


# $LUMEN

**LUMEN Token**

$LUMEN is the limited supply, utility token for the Lumen Money Protocol.

$LUMEN token holders will be able to participate in governance and shape the future of Lumen Money, as well as determine key parameters for the interest rate model, fee rates, and the distribution of protocol fees and reserves accrued to the Lumen Money Protocol.&#x20;

The total supply of $LUMEN is 100M.

**stakedLUMEN (uLUMEN/sLUMEN)**

uLUMEN and sLUMEN represent the staked version of LUMEN. Staking LUMEN allows investors to earn competitive yields while having single-sided exposure.&#x20;

[<br>](https://docs.segment.finance/protocol/deployed-contracts)


# Distribution

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FHRjQZBy5htIic7C7vY8k%2FInitial_Token_Distrubition.png?alt=media&amp;token=d1534d21-3def-435a-a59d-1388884ae28b" alt=""><figcaption><p>Initial Token Distribution</p></figcaption></figure>

| DISTRIBUTED TO       | TOKEN      | PERCENTAGE |
| -------------------- | ---------- | ---------- |
| Community Incentives | 45.000.000 | %45        |
| Initial Liquidity    | 2.000.000  | %2         |
| Protocol Growth Fund | 5.000.000  | %5         |
| Team Allocation      | 10.000.000 | %10        |
| Neon EVM Allocation  | 18.000.000 | %18        |
| Points Program       | 20.000.000 | %20        |


# Emission Schedule

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FzeQ9T6MplJRWpeZUsfDL%2FEmissionmonth.png?alt=media&amp;token=f4a270d7-fd37-4887-9bda-b97679b93bc3" alt=""><figcaption><p>Emission Schedule</p></figcaption></figure>

| **Interval** | **Days** | **Emission/ month** | **Emission/ day** | **Protocol Liquidity Incentives/ day** | **Token Liquidity Incentives/ day** |
| ------------ | -------- | ------------------- | ----------------- | -------------------------------------- | ----------------------------------- |
| 1            | 30       | 3496309             | 116544            | 93235                                  | 23309                               |
| 2            | 30       | 3430957             | 114365            | 91492                                  | 22873                               |
| 3            | 30       | 3300254             | 110008            | 88006                                  | 22002                               |
| 4            | 30       | 3038848             | 101295            | 81036                                  | 20259                               |
| 5            | 30       | 2657630             | 88588             | 70870                                  | 17718                               |
| 6            | 30       | 2232845             | 74428             | 59542                                  | 14886                               |
| 7            | 30       | 1906087             | 63536             | 50829                                  | 12707                               |
| 8            | 30       | 1699140             | 56638             | 45310                                  | 11328                               |
| 9            | 30       | 1568438             | 52281             | 41825                                  | 10456                               |
| 10           | 30       | 1470410             | 49014             | 39211                                  | 9803                                |
| 11           | 30       | 1405058             | 46835             | 37468                                  | 9367                                |
| 12           | 30       | 1339707             | 44657             | 35726                                  | 8931                                |
| 13           | 30       | 1274355             | 42479             | 33983                                  | 8496                                |
| 14           | 30       | 1209004             | 40300             | 32240                                  | 8060                                |
| 15           | 30       | 1143652             | 38122             | 30498                                  | 7624                                |
| 16           | 30       | 1078301             | 35943             | 28754                                  | 7189                                |
| 17           | 30       | 1023841             | 34128             | 27302                                  | 6826                                |
| 18           | 30       | 958490              | 31950             | 25560                                  | 6390                                |
| 19           | 30       | 904030              | 30134             | 24107                                  | 6027                                |
| 20           | 30       | 849570              | 28319             | 22655                                  | 5664                                |
| 21           | 30       | 806003              | 26867             | 21494                                  | 5373                                |
| 22           | 30       | 751543              | 25051             | 20041                                  | 5010                                |
| 23           | 30       | 707975              | 23599             | 18879                                  | 4720                                |
| 24           | 30       | 664407              | 22147             | 17718                                  | 4429                                |
| 25           | 30       | 631732              | 21058             | 16846                                  | 4212                                |
| 26           | 30       | 599056              | 19969             | 15975                                  | 3994                                |
| 27           | 30       | 566380              | 18879             | 15103                                  | 3776                                |
| 28           | 30       | 533704              | 17790             | 14232                                  | 3558                                |
| 29           | 30       | 511920              | 17064             | 13651                                  | 3413                                |
| 30           | 30       | 490136              | 16338             | 13070                                  | 3268                                |
| 31           | 30       | 468353              | 15612             | 12490                                  | 3122                                |
| 32           | 30       | 446569              | 14886             | 11909                                  | 2977                                |
| 33           | 30       | 435677              | 14523             | 11618                                  | 2905                                |
| 34           | 30       | 413893              | 13796             | 11037                                  | 2759                                |
| 35           | 30       | 403001              | 13433             | 10746                                  | 2687                                |
| 36           | 30       | 392109              | 13070             | 10456                                  | 2614                                |
| 37           | 15       | 190616              | 12708             | 10166                                  | 2542                                |


# Staking and Revenue Sharing

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FVC2xAe2eGODtTGyx2Ori%2Fsxasdss.png?alt=media&amp;token=74139460-be98-4a2b-82a9-d1513721e434" alt=""><figcaption><p>Revenue Sharing</p></figcaption></figure>

Staking $LUMEN provides a secure and efficient mechanism for users to earn passive income. This staking process allows users to actively participate in and contribute to the stability and security of the Lumen Money ecosystem while maximizing returns on their holdings.&#x20;

$LUMEN stakers will enjoy the following benefits:

**Receive 100% of the DEX tokens earned through farming activities on LUMEN/USDT LP tokens.**

After the launch of $LUMEN, the team will deploy the initial liquidity to the Partner DEX to ensure a smooth trading experience for the users.

LP tokens will be staked on the Partner DEX to earn DEX tokens. 100% of the earned tokens will be distributed to $LUMEN stakers.

**Receive 80% of the protocol revenue.**

The protocol's revenue is accumulated from fees tied to the [reserve factors](/protocol/collaterals-and-reserves) connected to different pools. In essence, pools with higher risk profiles tend to generate more revenue from fees.

The remaining 20% of the protocol revenue will be allocated to the [Protocol Growth Fund](/tokenomics/distribution) and shall serve to promote the long-term growth of the Lumen Money Protocol. In addition, the Protocol Growth Fund bolsters the protocol's resilience and provides a robust safety net for its ongoing operations.


# Official Links

Website: [https:/lumen.money/](https://www.lumen.money/)

Twitter: <https://twitter.com/Lumen_Money>

Discord: <https://discord.gg/E74q6Cur44>

Medium: <https://medium.com/@Lumen.Money>


# Legal Disclaimer

Please read this disclaimer carefully before using <https://lumen.money> and/or any of its sub-domains (hereinafter referred to as the "Website"). By using the Website, you confirm that you accept this legal disclaimer and agree to comply with it. If you do not agree, you must not use the Website.

**Information Published Is Not Advice**

The information provided on the Website does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and you should not treat any of the Website's content as such. Our team provides the Website as a service to the public, and is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within the Website. While the information contained within the website is periodically updated, no guarantee is given that the information provided in the Website is correct, complete, and up-to-date.

**Usage Risks**

The Website will not be responsible for any losses, damages, or claims arising from events falling within the scope of events like, but not limited to: mistakes made by the user (e.g., payments sent to wrong addresses), software problems of the Website or any related software or service (e.g., malware or unsafe cryptographic libraries), technical failures (e.g., hardware wallets malfunction), security problems experienced by the user (e.g., unauthorized access to wallets), actions or inactions of third parties (e.g., bankruptcy of service providers, information security attacks on service providers, and fraud conducted by third parties).

**Investment Risks**

The investment in cryptocurrencies can lead to loss of money and prices having large range fluctuations. The information published on the Website cannot guarantee no money loss. The Website user is responsible for understanding these risks, doing own due diligence, and making own decision on how to interface with the Website.

**Compliance With Tax Obligations**

The users of the Website are solely responsible to determinate what, if any, taxes apply to their cryptocurrency holdings. The owners of, or contributors to, the Website are NOT responsible for determining the taxes that apply to user transactions.

**No Warranties**

The Website is provided on an "as is" basis without any warranties of any kind regarding the Website and/or any content, data, materials and/or services provided on the Website. The Website functionality is not guaranteed and could be disabled fully or in part without prior notice.

**Security**

Security audits don't eliminate risks completely. The Website is not guaranteed to be secure or free from bugs or viruses.

**Limitation of Liability**

Unless otherwise required by law, in no event shall the owners of, or contributors to, the Website be liable for any damages of any kind, including, but not limited to, loss of use, loss of profits, or loss of data arising out of or in any way connected with the use of the Website.

**Arbitration**

The user of the Website agrees to arbitrate any dispute arising from or in connection with the Website or this disclaimer, except for disputes related to copyrights, logos, trademarks, trade names, trade secrets or patents.


# Branding Kit

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FBDO7y35nxkRmviOowaZL%2FLumen%20Brand%20Identity%20F%C4%B1nal-1.png?alt=media&amp;token=918dded2-9bbe-4e5a-a5da-ca1a910dcd77" alt=""><figcaption><p>Brand Identity</p></figcaption></figure>

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2Fqdeu3BKuwpQ9kFXClmla%2FLumen%20Brand%20Identity%20F%C4%B1nal-2.png?alt=media&amp;token=e974cc8c-4c13-49bb-b0f4-78e03a519c21" alt=""><figcaption><p>Fonts</p></figcaption></figure>

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FmuNpTTytNXNcEOp2gg0o%2FLumen%20Brand%20Identity%20F%C4%B1nal-3.png?alt=media&amp;token=0d97b0bd-2a80-4deb-9553-da8ea4076476" alt=""><figcaption><p>Logo Instructions</p></figcaption></figure>

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FqsGI76skJt0uYFowkhBn%2FLumen%20Brand%20Identity%20F%C4%B1nal-4.png?alt=media&amp;token=9718c6a6-0541-4bb2-be8f-9b65246bab34" alt=""><figcaption><p>Logo Options</p></figcaption></figure>

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2FTM5GonyvAhMCOPUvehUt%2FLumen%20Brand%20Identity%20F%C4%B1nal-5.png?alt=media&amp;token=4f8574e6-80bb-438f-ad75-3194da7e132d" alt=""><figcaption><p>Color Palette</p></figcaption></figure>

<figure><img src="https://725131110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FNoREfavRszqDcTmBRDv2%2Fuploads%2F9vfvRzmPR1oltopioIHb%2FLumen%20Brand%20Identity%20F%C4%B1nal-6.png?alt=media&amp;token=5b719df2-f16a-47ed-979e-324568af9d2a" alt=""><figcaption><p>Banner</p></figcaption></figure>