Terms of Service
Last updated: September 2025
1. Acceptance of Terms
By accessing and using Luminth, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Use of Services
Our services, including the Sharpe Ratio Calculator and other financial tools, are provided for informational and educational purposes only. They should not be considered as financial advice.
3. Financial Disclaimer
The information provided on this website is for educational purposes only and should not be construed as financial advice. Always consult with a qualified financial advisor before making investment decisions.
- Past performance does not guarantee future results
- All investments carry risk
- Simulations are hypothetical and not predictive
4. Intellectual Property
All content on Luminth, including text, graphics, logos, and software, is the property of Luminth or its content suppliers and is protected by intellectual property laws.
5. User Conduct
You agree not to:
- Use our services for any illegal purpose
- Attempt to gain unauthorized access to our systems
- Interfere with the proper working of our services
- Scrape or copy content without permission
6. Limitation of Liability
Luminth shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.
7. Indemnification
You agree to indemnify and hold harmless Luminth from any claims resulting from your use of our services or violation of these terms.
8. Modifications
We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms.
9. Termination
We may terminate or suspend access to our services immediately, without prior notice, for any reason.
10. Governing Law
These terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.
11. Contact Information
For questions about these Terms of Service, please contact us at legal@luminth.com