Terms of Service

Last updated: November 14, 2026

1. Who we are

Lumero Apps is a trading name of Hissa Kyrylo, individual entrepreneur (Ukraine), with the address 6 Klovskyi descent, apt. 16, Kyiv 01001, Ukraine (“Lumero Apps”, “we”, “us”). You can reach us at support@lumeroapps.com.

These Terms of Service (“Terms”) apply to lumeroapps.com and to every web app we operate that links to these Terms (each an “App”). By using an App or making a purchase in it, you agree to these Terms. If an App shows additional terms for a specific product, for example at checkout, those terms also apply to that product, and they take priority if they conflict with these Terms.

2. Age requirements

• You must be at least 13 years old to use our Apps. If you are under 18, or under the age of majority where you live, you may use an App only with the permission of a parent or legal guardian.
• Paid purchases follow the rules of the specific product. To make a purchase you must be able to enter into a binding contract where you live, or have a parent or guardian make the purchase for you. Some Apps set a higher minimum age, which is stated in that App.
• If we learn that an App is being used by someone below the required age, we may close the account and delete the related data.

3. Nature of the results

Our Apps generate quiz results, reports and plans automatically from the answers you give, using general rules and pre-written content. They are provided for entertainment, information and self-reflection only.

• Results are not medical, psychological, psychiatric, therapeutic, legal, financial or other professional advice, and they are not a diagnosis or treatment of any condition.
• Results do not replace a consultation with a qualified professional. Please do not rely on them for important decisions about your health, relationships, career or finances.
• If you are struggling or feel unsafe, contact a qualified professional or your local emergency services.

4. Your account and email

Some Apps ask for your email address to save your result, deliver a purchase or let you sign in. Please give an address you control and keep access to it secure. We send service emails to it, such as your result, receipts, reminders before a trial ends or a subscription renews, and important changes to the service. You are responsible for activity in your account unless it results from our fault.

5. Purchases and merchant of record

Payments in our Apps are processed by Paddle (Paddle.com Market Limited or one of its affiliates) or by Creem, depending on the App. The provider shown at checkout acts as the merchant of record for your order. This means:

• the merchant of record is the seller of the product to you under its own buyer terms, which also apply to your purchase and are shown at checkout;
• it processes your payment, calculates and collects applicable sales tax or VAT, issues your receipt or invoice and handles billing questions;
• we provide the product itself and support for it.

The price, currency, any taxes and the billing period are shown before you pay. Charges appear on your bank statement as LUMERO APPS, sometimes together with the name of the merchant of record. For billing questions you can contact the merchant of record directly or write to us, and we will help.

6. Subscriptions and automatic renewal

Some products are sold as subscriptions, sometimes with an introductory trial or discounted first period.

• What you agree to. Before you pay, the App shows the price, the billing period, the length and price of any trial or introductory period, and the regular price that applies after it. You confirm these terms before checkout.
• Automatic renewal. A subscription renews automatically at the end of each billing period, and the regular price is charged to your payment method, until you cancel.
• Trials. A trial or introductory period converts into a paid subscription at the regular price when it ends, unless you cancel before it ends.
• Reminders. We, or the merchant of record, send a reminder email before a trial converts to a paid subscription and before renewals where the law or card network rules require it.
• Price changes. If the regular price of your subscription changes, we will tell you in advance. The new price applies from the next billing period after the notice, and you can cancel before it takes effect.

7. Cancelling a subscription

You can cancel at any time, online and without giving a reason:

• using the cancellation or “manage subscription” link in your receipt or any billing email;
• in your account inside the App, where available;
• through the merchant of record (for Paddle orders, at paddle.net); or
• by emailing support@lumeroapps.com, and we will cancel it for you.

Cancellation stops all future charges. You keep access until the end of the period you have already paid for. If you cancel during a trial, you will not be charged. Cancelling does not by itself refund a payment already made; to get money back, request a refund as described below.

8. Refunds

You can get a full refund of any payment if you ask within 14 days of the date you were charged, no questions asked. How to request it is explained in our Refund Policy, which forms part of these Terms. Nothing in these Terms limits any refund or withdrawal rights you have under the law of your country.

9. Acceptable use

When using our Apps, you agree not to:

• break the law or infringe the rights of others;
• enter another person's personal information without their permission;
• copy, resell or publicly distribute paid content, or share paid access with others;
• scrape, reverse engineer or overload the Apps, or try to bypass payment or security features;
• use the Apps to send spam, malware or harmful content.

10. Intellectual property

The Apps, their design, text, questions, result descriptions and software belong to us or our licensors. When you use an App or buy a product, we give you a personal, non-exclusive, non-transferable licence to use it for your own non-commercial purposes. You may share your own result with friends or on social media. Your answers remain yours; you allow us to use them to provide the App, as described in our Privacy Policy.

11. Changes to the apps

We keep improving our Apps and may change, add or remove features. We may also stop offering an App. If we discontinue a product you have prepaid for, we will refund the unused part of your payment.

12. Disclaimer

To the extent permitted by law, the Apps are provided “as is” and “as available”. We do our best to keep them working and accurate, but we do not promise that they will always be available, error-free, or that results will match your expectations.

13. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special or consequential losses, such as loss of profits, data or opportunities, arising from your use of the Apps. Our total liability for any claim relating to an App is limited to the amount you paid for that App in the 12 months before the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including liability for fraud, for death or personal injury caused by negligence, or your statutory rights as a consumer.

14. Suspension and termination

You can stop using an App at any time and ask us to delete your account. We may suspend or close an account that seriously or repeatedly breaks these Terms, uses the App fraudulently or puts other users at risk. Where reasonable, we will tell you first and give you a chance to fix the problem. If we close an account without a breach on your part, we will refund the unused part of any prepaid period.

15. Governing law and disputes

These Terms are governed by the laws of Ukraine, and disputes are subject to the courts of Kyiv, Ukraine. If you are a consumer, you also keep the protection of the mandatory consumer laws of the country where you live, and you may bring a claim in the courts of that country.

If something goes wrong, please contact us first at support@lumeroapps.com. Most issues can be solved quickly by email.

16. Changes to these terms

We may update these Terms from time to time. The date at the top shows the latest version. If we make material changes, we will notify active customers by email or in the App before the changes take effect. Changes do not apply to purchases made before they take effect.

17. Contact

Hissa Kyrylo, individual entrepreneur (Ukraine), trading as Lumero Apps
6 Klovskyi descent, apt. 16, Kyiv 01001, Ukraine
Email: support@lumeroapps.com