1. Information only
The content on lumospay.app is general information about Lumos and about gold and silver. It is not an offer or invitation to buy or sell, and it does not form part of any contract. Your agreement with us is set out in the Terms and Conditions you accept in the app.
2. Not advice
Nothing on this website is investment, financial, tax or legal advice, or a recommendation that metal is right for you. Please read the Risk Disclosure, and speak to an independent adviser if you are unsure.
3. Prices on this website
3.1 Prices shown here are indicative. They follow the market and can change at any moment.
3.2 The price you pay or receive is the one in the quote the app shows you before you confirm. It may differ from the price shown on this website.
3.3 Rates shown for gold purities other than 24 karat are worked out for comparison only. Lumos buys and sells 24 karat gold only.
4. Examples and illustrations
App screens, balances, names, card details, calculator results and charts on this website are examples. They show how the product works, not real accounts or results.
5. Features coming next
Features marked "coming next" or similar, such as paying with your gold and borrowing against it, are not yet available. They may change, arrive later than planned, need their own terms, or not be offered at all.
6. No guaranteed returns
The value of gold and silver can go down as well as up. Past prices are not a guide to the future. Nothing here promises a gain.
7. Information from others
Market prices come from third-party data providers. We take care to use reliable sources, but we cannot guarantee that third-party data is always complete, correct or up to date. Links to other websites are for your convenience; we are not responsible for their content.
8. Availability
We aim to keep this website available and accurate, but it may sometimes be unavailable, contain errors, or be out of date. We may change it at any time without notice.
9. Our regulatory status
Licensing, Shariah certification and ISO 27001 are in progress. Lumos does not yet hold a licence for the services described on this website, and we will publish the details here as each is completed.