# 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.
