Terms of Service

Last updated: April 15, 2026  ·  Effective immediately upon engagement

1. Agreement to Terms

By engaging Lumera for services, signing a Service Agreement, or using lumeraautomation.com, you agree to these Terms of Service. If you do not agree, do not use our services.

2. Description of Services

Lumera provides payment infrastructure consulting and management services including:

• Compliance audits of websites, social media, and marketing materials
• High-risk payment processor research, application assistance, and setup
• Chargeback protection tool installation and configuration
• Backup payment routing setup and configuration
• Ongoing account health monitoring and reporting

Lumera is a consulting and management service. We are not a payment processor, acquiring bank, or financial institution. We do not hold, transmit, or process your customer payments.

3. Client Responsibilities

As a client of Lumera, you agree to:

• Provide accurate and complete information about your business and products
• Operate your business in compliance with applicable laws and regulations
• Implement compliance recommendations provided by Lumera in a timely manner
• Notify Lumera of any material changes to your business, products, or marketing
• Not engage in cloaking, account misrepresentation, or other deceptive practices with processors
• Not use Lumera services to facilitate illegal activity of any kind

4. Fees and Payment

Service fees are outlined in your individual Service Agreement. General terms:

• Setup fees are due in full before work begins and are non-refundable once work has commenced
• Monthly retainer fees are due on the 1st of each month
• Late payments beyond 10 days may result in suspension of services
• All fees are in USD unless otherwise agreed in writing

5. No Guarantee of Results

Lumera cannot guarantee specific outcomes including but not limited to:

• Processor approval — approval decisions are made solely by processors and acquiring banks
• Prevention of account termination — processor policies can change without notice
• Specific chargeback ratios or approval rates
• Immunity from regulatory action related to your products or business practices

We commit to providing expert consulting services based on current industry knowledge and best practices. Past performance for other clients does not guarantee similar results.

6. Limitation of Liability

To the maximum extent permitted by law, Lumera shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of revenue, loss of profits, or loss of data arising from your use of our services. Our total liability for any claim shall not exceed the fees paid to Lumera in the 3 months preceding the claim.

7. Confidentiality

Both parties agree to maintain confidentiality of non-public information shared during the engagement. Lumera will not disclose your business information, processing volumes, or account details to third parties except as necessary to perform the agreed services.

8. Termination

Either party may terminate the service relationship with 30 days written notice. Lumera reserves the right to terminate immediately if a client is found to be engaged in illegal activity or material breach of these terms. Upon termination, all account access and documentation will be returned to the client.

9. Governing Law

These Terms shall be governed by the laws of the State of Tennessee. Any disputes shall first be addressed through good faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Nashville, Tennessee.

10. Changes to Terms

Lumera may update these Terms from time to time. Continued use of our services after changes constitutes acceptance of the updated Terms. We will notify active clients of material changes by email.

11. Contact

Questions about these Terms? Contact us at kory@lumeraautomation.com or call (630) 532-2811.