Refund Policy

This Refund Policy applies to all purchases from Lumen Futures LLC ("Lumen Futures," "we," "our," or "us") and is incorporated into our Terms & Conditions. Prices and availability of our programs are subject to change without notice. It is your responsibility to read and understand this policy, the Terms & Conditions, and the published program rules before purchasing.

Refunds

Each Lumen Futures program is a one-time fee for an attempt at an evaluation (or, for Zenith instant-funding programs, access to a funded-program account). The provision of that access is a service, and the service is considered rendered in full when your account credentials are delivered, regardless of whether or how much you use the account.

All sales are final. Program accounts are non-refundable whether or not they have been traded, and regardless of the number of trades placed, trading results, or any technical issues experienced. By completing a purchase you expressly waive any right to a refund.

We may, in our sole discretion, consider a refund for a genuine administrative error, such as the same account being charged twice or a duplicate order placed within a short period of the first, where we failed to provide access to an account you paid for, or where a material service failure on our side went unresolved. Any other request is assessed case by case, and eligibility and approval rest exclusively with Lumen Futures. Refund eligibility never applies to accounts involved in rule violations, disqualifications, or breaches of the Terms & Conditions.

Isolated Technical Issues

Lumen Futures shall not be responsible or liable, whether in contract, tort, or otherwise, for any loss, damage, cost, or expense arising from isolated technical issues experienced by an individual participant, and no refunds, adjustments, credits, or other compensation are owed for such matters. Such issues include, without limitation:

• Individual disruptions, malfunctions, or errors in data feeds or trading platforms.
• Issues, errors, or malfunctions relating to third-party applications, including automated trading systems, custom indicators, or other third-party software.
• Platform instability, errors, or disconnections caused by your internet connectivity or related network conditions.
• Slippage, whether positive or negative, occurring around news events, periods of high volatility, or ordinary market fluctuations.

You are solely responsible for the maintenance, stability, and adequacy of your own technical environment, including internet connectivity, hardware, software, and third-party integrations. This section is to be read together with the Limitation of Liability provisions in our Terms & Conditions, which cap our aggregate liability as described there.

Chargebacks and Fraudulent Claims

By purchasing any program or service from Lumen Futures, you agree not to initiate a chargeback or payment dispute with your bank, card provider, or payment processor for any transaction you properly authorized. If you believe a charge is incorrect, contact us first at support@lumenfutures.com; genuine billing errors are corrected promptly.

Any chargeback, dispute, or reversal determined by Lumen Futures, the payment processor, or an investigating body to be fraudulent, unfounded, or in violation of this policy constitutes a material breach of your agreement with us. Initiating a chargeback or dispute on a transaction you properly authorized results in the immediate closure of every evaluation and funded account you hold, the cancellation of any pending payout request, the forfeiture of any simulated profits in those accounts, and a permanent ban from all current and future Lumen Futures services. We reserve the right to suspend services and refuse future services while a dispute is pending. We further reserve the right to recover disputed funds, along with any fees, costs, or damages incurred, including reasonable attorneys' fees, through legal action, arbitration, or collection proceedings consistent with our Terms & Conditions. Determinations made by Lumen Futures with respect to chargebacks and fraudulent claims are final and binding.

Acceptance of This Policy

It is your responsibility to familiarize yourself with this Refund Policy. By placing an order for any of our programs or services, you indicate that you have read this policy and fully accept its terms. If you do not agree with this policy, please do not place an order with us.

Questions

Questions about this policy or a specific charge should be directed to support@lumenfutures.com before purchasing or disputing. We would rather resolve it directly, and quickly, than through your bank.