Terms of Service

Last updated 27 October 2026

These terms are the agreement between you and Lumivar Trading ("Lumivar Trading", "we", "us") for using www.lumivartrading.com and the Lumivar app. Please read them; by creating an account you agree to them.

1. Who we are

Lumivar Trading is operated by its owner in Ireland. You can contact us at lumivartrading@gmail.com.

2. What Lumivar is, and isn't

Lumivar is a trading journal, market information and education service. It helps you record and review your own trading and understand market events.

Lumivar does not give financial or investment advice. Nothing on the site, in the app, in courses, news, community posts or our social media is a recommendation to buy, sell or hold anything. We don't execute trades or connect to your broker to place orders. Trading carries a high risk of loss, and past results don't predict future returns. You're responsible for your own decisions.

Market data, economic calendars, earnings, company figures and news come from public and third-party sources. They can be delayed, incomplete or wrong. Always check figures with your broker or an official source before relying on them.

3. Your account

  • You must be at least 18 to use Lumivar.
  • Give accurate details, keep your password safe and don't share your account. You're responsible for what happens under it.
  • Tell us straight away at lumivartrading@gmail.com if you think someone else has accessed your account.

4. Plans and payment

  • Starter is free. It includes up to 30 new trades a month, broker import within that allowance, and 1 screenshot per trade. Some areas (such as Analytics, Portfolio, News, Companies, Earnings and Education) need a paid plan.
  • Pro costs €19.99 a month, or €191.88 a year. Educational costs €49.99 a month, or €479.88 a year. The pricing page shows what each plan includes.
  • Prices are in euro and include VAT where it applies.
  • Paid plans are subscriptions that renew automatically at the end of each month or year until you cancel. We charge the payment method you gave us at the start of each period.
  • You can cancel at any time. You keep access until the end of the period you've paid for and won't be charged again. See our Refund Policy.
  • If we change a price, we'll tell you at least 30 days before it applies to you, and you can cancel before it does.
  • If a payment fails, we may move your account to Starter until it's paid. Your journal stays; only paid features are paused.
  • Payments are handled by our payment provider (Stripe). We never see or store your full card details.

5. Your 14-day right to cancel

If you're a consumer in the EU, you can withdraw from a paid subscription within 14 days of buying it. Our Refund Policy goes further: it gives a full refund within that window.

6. Your content and data

  • Your journal (trades, notes, screenshots, portfolio and settings) belongs to you and is private to your account. We use it only to run the service for you, as described in our Privacy Policy.
  • You can export your journal at any time from Settings, and delete your account there too.
  • When you post to the community (posts, comments, shared trades, profile and leaderboard stats you opt into), other members can see it. You give us a non-exclusive, royalty-free licence to host and show that content on Lumivar for as long as it's posted. You can delete it at any time.
  • Only post things you have the right to share.

7. Acceptable use

Don't use Lumivar to:

  • break the law, or post anything misleading, abusive, hateful, sexual, or that invades someone's privacy;
  • promote pump-and-dump schemes, sell signals or "guaranteed returns", spam or advertise without our permission;
  • impersonate others, or harass other members;
  • scrape, copy or resell our content or data, or try to get around plan limits, security or access controls;
  • upload malware, or overload or interfere with the service.

We may remove content or suspend accounts that break these rules. Where it's reasonable, we'll tell you why first.

8. Courses and content

Courses, articles, explainers, news summaries and designs on Lumivar are protected by copyright. Your plan gives you a personal, non-transferable right to use them for your own learning. Please don't copy, share or resell them.

9. Availability and changes

We work to keep Lumivar running and your data safe, but we can't promise it will always be available or error-free. We may improve, change or retire features. If we make a change that significantly reduces what a paid plan includes, we'll tell you in advance and you can cancel for a pro-rata refund of the unused time.

10. Ending your account

You can delete your account at any time in Settings → Account. We may suspend or close an account that seriously or repeatedly breaks these terms. If we close a paid account without a breach on your part, we'll refund the unused part of your subscription.

11. Our responsibility to you

  • Nothing in these terms limits liability that can't be limited by law, including for death or personal injury caused by negligence, fraud, or your statutory rights as a consumer.
  • We aren't responsible for trading or investment losses, or decisions you make using information on Lumivar. Lumivar is a record-keeping and education tool.
  • We aren't responsible for losses we couldn't reasonably foresee, or for business losses.
  • Otherwise, our total liability to you is limited to the amount you paid us in the 12 months before the claim.

12. Changes to these terms

We may update these terms as the service develops. If a change matters, we'll let you know by email or in the app before it takes effect. If you don't agree, you can cancel before then.

13. Law and disputes

These terms are governed by the laws of Ireland, and the Irish courts can hear disputes. If you're a consumer living elsewhere in the EU, you also keep the protection of your own country's mandatory laws and can bring a claim there. Please contact us first; most problems are quickly sorted out by email.

Questions about this page? Email lumivartrading@gmail.com.