In short: Lumos Tools costs £20 a month or £220 a year, paid before your account is created. There is no free trial. Your subscription covers unlimited use of every tool; the only extra is scan credits for scanned or photographed pages. It renews until you cancel, which you can do online at any time. If you are an individual and cancel within 14 days, you get a refund less what you have used. Lumos CRM and Lumos Finance are not available yet, and reserving early access is free. Always check results against the original document.
1. About us and these terms
Lumos is a trading name of [Company legal name] Ltd ("we", "us"), a company registered in England and Wales under number [company number], with its registered office at [registered office address]. Our VAT number is [VAT number]. You can contact us at hello@lumoshub.com or by post at [postal address for complaints and notices].
These terms apply when you buy a Lumos Tools subscription or scan credits, use Lumos, or reserve early access to Lumos CRM or Lumos Finance through lumoshub.com. Please read them with our cancellation and refund policy, acceptable use and fair use policy and privacy notice. Business customers also agree to our data processing agreement.
The contract between us is in English. We keep a record of the version of these terms you accepted and when, and we email you confirmation of each purchase. You can save or print this page at any time.
2. Business customers and individuals
You can use Lumos as a business (for example an accountancy practice, bookkeeper, company or charity) or as an individual for your own personal use. Some terms differ depending on which you are:
- Individuals ("consumers") have legal rights that these terms do not affect, including the right to cancel within 14 days and to a service provided with reasonable care and skill. Sections 9 and 16 explain these.
- Business customers do not have the 14-day cancellation right, and section 17 applies to them instead of section 16.
3. How you buy Lumos Tools
You can only have a Lumos account once you have subscribed and paid. There is no free trial.
- On the Get started page you choose Lumos Tools, monthly or annual billing, and give your name, email address and (if you are a business) your business name. You confirm whether you are buying as a business or an individual, and that you are 18 or over.
- Before you pay, we show the key information: the price, that the subscription renews automatically until you cancel, how to cancel, and your cancellation rights. You tick to accept these terms. You can go back and change your choices at any point before paying.
- You enter your card details on our payment provider Stripe's secure page, where you can check and correct them before you pay.
- The contract is formed when your payment is accepted. Your account is created at that moment, and we email you a receipt, the key information and a link to set your password.
Buying scan credits works the same way, as a one-off purchase from inside your account.
4. Reserving Lumos CRM or Lumos Finance
Lumos CRM and Lumos Finance are in development and not available yet. You can reserve early access, or join a waiting list, from our website.
- Reserving is free. We do not ask for payment details and you are not agreeing to buy anything.
- We will email you when the product opens, with its price and terms. You only have a contract for it if you then choose to subscribe, and we will never charge you without your agreement.
- Features, prices, offers (such as the first three months of Lumos CRM being free) and launch dates described on our website are our current plans and may change before launch. The terms published at launch will apply.
- You can ask us to remove your reservation at any time by emailing hello@lumoshub.com.
5. Your account
- You must be 18 or over to have an account.
- Give accurate details and keep your password secure. Tell us straight away if you think someone else has used your account.
- A Lumos Tools subscription is for one person. A business with several people using Lumos Tools needs a subscription for each person.
- You are responsible for what happens under your account.
6. Lumos Tools subscriptions
- Price. £20 a month or £220 a year, paid in advance by card. Prices include VAT at the current rate.
- What's included. Unlimited use of every Lumos Tools tool: the Bank Statement Converter for downloaded PDF statements, PDF to Excel or Word, PDF Merge, PDF Split, Handwritten Notes, E-Signature, and any other tools we add to the subscription, subject to our fair use policy. The only thing not included is reading scanned or photographed pages, which uses scan credits (section 7).
- Starting straight away. When you subscribe, you ask us to start providing the service immediately. If you are an individual, this affects what you pay if you cancel within 14 days (section 9).
- Automatic renewal. Your subscription renews automatically at the end of each month or year, and we take the same payment, until you cancel. We send renewal reminders by email as the law requires, including before each annual renewal.
- Price changes. We give you at least 30 days' notice by email of any price change. It applies from your next renewal after the notice period, and you can cancel before it takes effect.
- Failed payments. If a payment fails, Stripe retries it and we email you. If it still can't be taken, your access to Lumos Tools stops until your payments are up to date.
7. Scan credits
Scan credits are used only for scanned or photographed pages: paper bank statements, which we read with OCR (optical character recognition), and pages of handwritten notes, which an AI model reads and organises. Nothing else uses credits. Credits are sold in packs:
- One credit reads one scanned page. Reading the same page again uses another credit.
- Before any credits are used, we show how many are needed and ask you to confirm.
- Credits are used only when the pages are read successfully. If nothing can be read, no credits are used.
- Credits are a one-off purchase and do not renew. They do not expire while your account is open, and you need an active subscription to use them.
- Used credits can't be refunded. Unused credits can be refunded within 14 days of buying them, as our cancellation and refund policy explains. If your account is closed, any unused credits are lost, so ask us for any refund you are entitled to first.
8. Cancelling at any time
You can cancel a subscription at any time online, from Billing in your account, in a few clicks. You can also email us a clear statement that you want to cancel. Cancelling stops future payments, and you keep access until the end of the month or year you have already paid for. We email you to confirm.
9. Your 14-day right to cancel (individuals)
If you are an individual, you can also cancel within 14 days of subscribing, and within 14 days after each annual renewal. Because you asked us to start the service straight away, we refund what you paid less a proportionate amount for the days you had the service and the value of any scan credits you used. Our cancellation and refund policy explains this with worked examples and includes a form you can use.
Business customers do not have a 14-day right to cancel, and payments already made are not refundable except as our refund policy or the law says.
10. Using Lumos fairly
You must follow our acceptable use and fair use policy. In short: use Lumos for your own work or your clients' work, don't share your login, don't automate or resell it, and only upload documents you are entitled to use.
11. Your documents and data
- You must have the right to upload the documents you use with Lumos, including your clients' statements, and to have them processed as our privacy notice describes.
- Bank statements you convert are processed in memory to produce your results and are not stored by us. Scanned pages are read by our OCR provider in the UK and not kept. Pages of handwritten notes are read by our AI provider, which does not use them to train its models; Lumos does not store them. PDF to Excel or Word, PDF Merge and PDF Split work on your own device. Documents you send for signing are stored until they are deleted, as section 12 explains.
- If you use Lumos for a business and upload personal data about other people, we process it on your behalf under our data processing agreement, which forms part of these terms.
12. E-Signature
E-Signature lets you send documents to other people to sign electronically. You are the sender; Lumos provides the tool. We are not a party to your documents and don't check what is in them.
- Your responsibilities. You must have the right to send each document, enter the correct names and email addresses, and decide whether an electronic signature is right for the document. Electronic signatures are valid in England and Wales for most documents, but some need a handwritten signature, a particular form, or a witness who is physically present. Our acceptable use policy lists documents you shouldn't send. If in doubt, take legal advice.
- How signers are identified. Each signer gets a link sent to the email address you entered, plus an access code if you set one. We record when each signer opened and signed, their IP address and device, and that they agreed to sign electronically, and add this to a signing certificate on the signed document. We don't check signers' identity documents, and Lumos signatures are not "qualified electronic signatures".
- Emails to signers. We send signing requests, reminders and the signed copy on your behalf. Don't use E-Signature to send unsolicited or marketing messages.
- How long we keep documents. Documents sent for signing are stored encrypted in the UK. Signed documents and their activity records are deleted 12 months after everyone has signed; we email you 30 days before. Requests that are declined, cancelled or expire are deleted 30 days after they close. You can delete a request sooner. Lumos is not a records archive: download each signed document and keep it with your own records.
- If your subscription ends. You can't send new requests, but requests already sent can still be signed, and you can still view, download and delete them until they are deleted as above.
13. Checking the results
Lumos reads documents automatically. It can make mistakes, particularly with scanned, damaged or unusual documents and with handwriting. Summaries from Handwritten Notes are produced by an AI model and may leave out or misread details. The balance check helps catch errors but can't guarantee every figure. You must check the output against the original document before relying on it, for example before filing accounts or tax returns. Lumos is a tool to save you time; it does not give accounting, tax or legal advice.
14. Availability and changes to the service
We aim to keep Lumos available at all times but can't promise it will never be interrupted, for example for maintenance or problems with our suppliers. We may improve or change the tools. If we make a change that significantly reduces what your subscription includes, we will tell you in advance and you can cancel and receive a refund for any period you have paid for but not received.
15. Ownership
We own the Lumos software, website and content. While your subscription is active, you may use them as these terms allow. You own your documents and the files Lumos produces from them, and we claim no rights over them.
16. Our responsibility to individuals
If you are an individual, we must provide the service with reasonable care and skill and as described. If we don't, you can ask us to put it right, or have some or all of your money back. We are responsible for loss or damage you suffer that is a foreseeable result of our breaking these terms or failing to use reasonable care and skill. We are not responsible for business losses, as we supply Lumos to individuals for personal use only. Nothing in these terms limits your legal rights or our liability for death or personal injury caused by our negligence, or for fraud. Citizens Advice can tell you more about your rights.
17. Our responsibility to business customers
- Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law does not allow us to limit.
- We are not liable for loss of profits, revenue, business, goodwill or anticipated savings, for loss or corruption of data, or for any indirect or consequential loss.
- We are not liable for loss caused by relying on output you did not check against the original document, as section 13 requires.
- Otherwise, our total liability in any 12-month period is limited to the amount you paid us in that period, or [£100] if greater.
- The service is provided as described in these terms, and other terms implied by law are excluded as far as the law allows.
18. Suspending or closing accounts
We may suspend or close your account if you seriously or repeatedly break these terms, don't pay, or use Lumos unlawfully. We will usually warn you first and give you a chance to put things right. If we close your account without you being at fault, we will refund any period you have paid for but won't receive and any unused scan credits.
19. Complaints
If you are unhappy, please tell us. Our complaints procedure explains how, how quickly we respond, and what you can do if we can't put things right.
20. Changes to these terms
We may update these terms, for example to reflect changes in the law or in Lumos. We will email you at least 30 days before any change that affects you significantly. If you don't agree, you can cancel before the change takes effect. The date at the top of this page shows when the terms were last changed.
21. General
- We may transfer this contract to another organisation and will tell you if we do. If you are an individual and unhappy with the transfer, you can cancel and get a refund for any period you have paid for and won't receive. You may only transfer your account with our written agreement.
- Nobody else has any rights under this contract.
- If a court decides part of these terms is unlawful, the rest still applies.
- If we don't enforce a term straight away, we can still enforce it later.
- For business customers, these terms and the documents they refer to are the whole agreement between us.
22. Law and courts
These terms are governed by the law of England and Wales. If you are an individual living in Scotland or Northern Ireland, you can bring proceedings in your local courts, and the law of your home country also protects you. Business customers agree that the courts of England and Wales have exclusive jurisdiction.
Other companies' products
Payments are handled by Stripe under its own terms. Lumos can produce files for Xero and QuickBooks and documents for Microsoft Excel and Word. These are trademarks of their owners, and Lumos is not affiliated with, endorsed or sponsored by them.