Legal
Legal documents
Every document that applies to Lumos, in one place.
Terms and ConditionsThe agreement for using the Lumos app
Key FactsPrices, fees, limits and risks on one page
Terms of UseRules for using this website
Privacy PolicyWhat data we collect and how we use it
Cookie NoticeWhat this website stores on your device
Risk DisclosureThe risks of buying gold and silver
Refund and CancellationWhen and how money is returned
DisclaimerWhat the information on this site is and is not
Conflicts of InterestHow we manage conflicts as seller and price-setter
Complaints PolicyHow to complain and what happens next
ShariahCertification status and product design
LicencesLicences, registrations and partners