TERMS AND CONDITIONS

FiduciaryHub

Provided by Luminaflo LLC

Effective Date: 07/22/25
Last Updated: 07/22/25

1. AGREEMENT TO TERMS

By accessing or using FiduciaryHub ("Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use our Service.

FiduciaryHub is owned and operated by Luminaflo LLC, a Florida Limited Liability Company.

2. SERVICE DESCRIPTION

FiduciaryHub is a web-based Customer Relationship Management (CRM) platform designed specifically for fiduciaries, trustees, and guardians to manage client information, documentation, and related administrative tasks.

2.1 Service Features

Our platform includes:

Secure client data storage and management
Document upload and organization tools
Reporting and analytics capabilities
Data export functionality in CSV format
User account management and access controls

2.2 Service Availability

Service is available 24/7, subject to maintenance and updates
We reserve the right to modify, suspend, or discontinue any aspect of the Service
Planned maintenance will be announced in advance when possible

3. BILLING AND PAYMENT TERMS

3.1 Subscription Fees

FiduciaryHub operates on a monthly subscription model
All fees are billed in advance through PayPal
Subscription fees are due on the same date each month ("Billing Date")
Fees are non-negotiable unless otherwise agreed in writing

3.2 Payment Processing

All payments are processed through PayPal
Users must maintain a valid PayPal account or payment method
Failed payments may result in immediate service suspension
Users are responsible for all payment processing fees

3.3 Price Changes

We reserve the right to modify subscription fees with 30 days written notice
Price changes will take effect on your next billing cycle
Continued use of the Service after notice constitutes acceptance of new pricing

4. NO REFUND POLICY

4.1 Strict No Refund Policy

ALL SUBSCRIPTION FEES ARE FINAL AND NON-REFUNDABLE UNDER ANY CIRCUMSTANCES. This includes but is not limited to:

Partial month usage
Service dissatisfaction
Technical difficulties or outages
Account termination for any reason
Duplicate payments or billing errors
Changes in business needs or circumstances
Regulatory or legal changes affecting your business

4.2 No Pro-Rated Refunds

No refunds will be provided for unused portions of subscription periods
Services remain available until the end of the current billing period after cancellation
No exceptions will be made to this policy regardless of circumstances

4.3 Billing Disputes

Payment disputes must be resolved through PayPal's dispute resolution process
We will cooperate with legitimate PayPal dispute investigations
Fraudulent dispute claims may result in account termination and legal action

5. CANCELLATION POLICY

5.1 User-Initiated Cancellation

Users may cancel their subscription at any time through their account settings
Cancellation must be completed before the next billing date to avoid charges
Canceled subscriptions remain active until the end of the current billing period
No partial refunds are provided for canceled subscriptions

5.2 Cancellation Process

To cancel your subscription:

Log into your FiduciaryHub account
Navigate to Account Settings > Billing
Select "Cancel Subscription"
Confirm cancellation through the verification process
You will receive email confirmation of cancellation

5.3 Post-Cancellation Access

Service access continues until the end of the current billing period
After expiration, account access is suspended but data is retained for 90 days
Users may reactivate within 90 days by resuming subscription payments
After 90 days, accounts and all data are permanently deleted

6. SERVICE PAUSE POLICY

6.1 Temporary Service Pause

Users may temporarily pause their subscription under the following conditions:

Minimum pause period: 1 month
Maximum pause period: 6 months per calendar year
Pause requests must be submitted at least 3 days before next billing date
Limited to 2 pause periods per calendar year

6.2 Pause Process

To pause your service:

Contact customer support at sebastian@fidhub.net
Provide reason for pause and desired duration
Confirm pause request and effective dates
Receive written confirmation of pause approval

6.3 During Service Pause

While service is paused:

No billing occurs for the pause period
Account access is suspended but data is preserved
No new data can be added or modified
Limited account access for administrative purposes only
Support is limited to pause-related inquiries

6.4 Resuming Service

To resume service after a pause:

Contact customer support to reactivate
Billing resumes on the reactivation date
Full service access is restored within 24 hours
All previous data and settings are preserved

7. ACCOUNT TERMINATION

7.1 Voluntary Termination

Users may terminate accounts at any time
Termination results in permanent account closure
All data is deleted immediately upon request or after 90-day retention period
Terminated accounts cannot be reactivated - new registration required

7.2 Involuntary Termination

We may terminate accounts for:

Non-payment of fees
Violation of these Terms and Conditions
Fraudulent or illegal activity
Abuse of our systems or support staff
Breach of acceptable use policies

7.3 Termination Effects

Upon termination:

Service access is immediately suspended
No refunds are provided for unused subscription time
Users may request immediate data deletion or standard 90-day retention
Payment obligations remain for all charges incurred before termination

8. DATA EXPORT AND ACCOUNT CLOSURE

8.1 Data Export Rights

Before account closure, users may:

Export all data in CSV format
Request data export processing within 5 business days
Receive data via secure download link
Export data multiple times before account closure

8.2 Account Closure Process

Cancel subscription through account settings
Request data export if desired
Confirm account closure intentions
Choose immediate deletion or 90-day retention
Receive final confirmation of account status

9. SERVICE MODIFICATIONS

9.1 Feature Changes

We reserve the right to:

Add, modify, or remove Service features
Update user interfaces and functionality
Implement new security measures
Change system requirements or compatibility

9.2 Notification of Changes

Major changes will be announced via email or in-platform notifications
Minor updates may be implemented without advance notice
Continued use constitutes acceptance of Service modifications

10. ACCEPTABLE USE POLICY

10.1 Permitted Uses

FiduciaryHub may only be used for:

Legitimate fiduciary, trustee, and guardian management activities
Storing and managing client information within legal authority
Professional business purposes related to fiduciary services

10.2 Prohibited Activities

Users may not:

Upload illegal, fraudulent, or unauthorized content
Share account access with unauthorized individuals
Attempt to reverse engineer or copy our software
Use the Service for any unlawful purposes
Interfere with other users' access to the Service
Exceed reasonable usage limits or abuse system resources

11. LIMITATION OF LIABILITY

11.1 Service Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTIES, INCLUDING:

Warranties of uninterrupted or error-free operation
Warranties of data accuracy or completeness
Warranties of merchantability or fitness for purpose
Warranties of security or data protection

11.2 Liability Limitations

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Our total liability shall not exceed the amount paid in the 12 months preceding any claim
We are not liable for indirect, consequential, or punitive damages
We are not liable for business losses, lost profits, or data loss
Users assume all risks associated with Service use

12. CUSTOMER SUPPORT

12.1 Support Availability

Customer support is provided via email and in-platform messaging
Standard response time: 5 business days
Support hours: Monday-Friday, 9 AM - 5 PM EST
Emergency support is not available

12.2 Support Limitations

Support is limited to Service-related technical issues
We do not provide fiduciary, legal, or regulatory advice
Complex technical issues may require extended resolution time
Support quality may vary based on subscription status

13. INTELLECTUAL PROPERTY

13.1 Our Rights

FiduciaryHub and all related technology is owned by Luminaflo LLC
Users receive only a limited license to use the Service
No rights are granted beyond those explicitly stated in these Terms

13.2 User Content

Users retain ownership of their uploaded data and content
Users grant us license to store, process, and display content as necessary to provide the Service
Users warrant they have rights to upload all content to our platform

14. GOVERNING LAW AND DISPUTES

14.1 Governing Law

These Terms are governed by the laws of Florida, without regard to conflict of law principles.

14.2 Dispute Resolution

All disputes must first be addressed through good faith negotiation
If negotiation fails, disputes will be resolved through binding arbitration
Arbitration will be conducted under American Arbitration Association rules
Each party bears their own legal costs unless otherwise awarded

15. GENERAL PROVISIONS

15.1 Entire Agreement

These Terms constitute the complete agreement between you and Luminaflo LLC regarding the Service and supersede all prior agreements.

15.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.

15.3 Amendment

We may modify these Terms at any time with 30 days written notice. Continued use of the Service constitutes acceptance of modified Terms.

15.4 Assignment

We may assign our rights and obligations under these Terms without restriction
Users may not assign their rights without our prior written consent

15.5 Waiver

Our failure to enforce any provision does not constitute a waiver of our right to enforce that provision in the future.

16. CONTACT INFORMATION

For questions about these Terms and Conditions:

Luminaflo LLC
Customer Service
Email: sebastian@fidhub.net Phone: 772-872-2229

BY USING FIDUCIARYHUB, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, INCLUDING OUR STRICT NO REFUND POLICY.

Effective Date: 07/22/25
Last Updated: 07/22/25