Terms & Conditions

These Terms & Conditions (these "Terms") are entered into between you and Lumen Futures LLC, a Texas limited liability company ("Lumen Futures," "we," "our," or "us"). They govern your access to and use of lumenfutures.com (the "Site"), our evaluation and funded trading programs, and all related content, functionality, products, tools, and services (collectively, the "Services"), whether you access them as a visitor or a registered user. Our Privacy Policy, Risk Disclosure, and Refund Policy, available on this Site, are incorporated into these Terms by reference.

Please read these Terms carefully. By registering for, accessing, browsing, purchasing, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, including the arbitration provision and class action waiver below. If you do not agree, do not access or use the Services.

Everything published by Lumen Futures is general information only and is not investment, legal, tax, or accounting advice. Lumen Futures is not a broker-dealer, futures commission merchant, or financial advisor, and does not accept client deposits; amounts paid to Lumen Futures are program fees, not deposits. See our Risk Disclosure for important information about the risks of futures trading and the simulated nature of our programs.

1. Changes to These Terms

We may revise these Terms from time to time in our sole discretion. Changes are effective when posted on the Site, and material changes may also be communicated by notice on the Site or by email. Your continued use of the Services after changes are posted constitutes acceptance of the revised Terms. Please check this page periodically.

2. Eligibility

You represent and warrant that:

• You are at least 18 years of age (or the higher minimum age required in your jurisdiction) and have the legal capacity to form a binding contract.
• You have not been convicted of a felony, disciplined by the National Futures Association or the U.S. Commodity Futures Trading Commission, and you do not have an outstanding balance with any trading firm.
• You are not located in, under the control of, or a national or resident of any jurisdiction where use of the Services is prohibited, and you are not listed on the U.S. Treasury Department's Specially Designated Nationals list or any similar restricted list.
• Your use of the Services is lawful in every jurisdiction from which you access them. It is solely your responsibility to verify this; we make no representation that the Services are appropriate or available in any particular location, and we may limit availability of the Services to any person or jurisdiction at any time in our sole discretion.

You may not access the Services if you are a competitor of Lumen Futures, or for benchmarking, monitoring, or other competitive purposes, without our prior written consent.

3. Accounts and Security

To use certain features you must register an account. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your login credentials, for all activity under your account, and for promptly notifying us of any unauthorized access or suspected security breach. Your account is personal to you: it may not be sold, transferred, shared, or combined with any other account, and each individual is permitted only one Lumen Futures account (as distinct from the multiple evaluation or funded program accounts you may hold under it). If we determine you have opened multiple accounts, we may suspend or terminate all associated accounts. We may refuse, disable, or reclaim any username or account at our discretion, and we are authorized to act on instructions received through your account.

4. Programs and Simulated Trading

Our evaluation and funded programs are conducted in simulated trading environments using live market data. Your order for a program is placed when you submit a purchase and is completed upon payment of the applicable one-time fee, at which point a contract between you and Lumen Futures is formed and login credentials will be delivered to the email address you provide. To pass an evaluation, you must meet all published profit targets and comply with the program rules and account parameters applicable to your account, which may be adjusted from time to time; the current schedule of rules is published on this Site. If you do not comply with program conditions, the evaluation will be evaluated as unsuccessful without refund, and continuing will require a reset or a new account at then-current rates.

An account with no trading activity for seven (7) consecutive calendar days may be deactivated and closed without refund. This applies to evaluation and funded accounts alike, and a single trade resets the period.

You acknowledge that the funds in program accounts are fictitious: you have no right to the simulated funds beyond their use within the Services, they may not be used for actual trading, and, unless expressly agreed otherwise in a separate written agreement, you will not be paid remuneration based on simulated results nor be required to cover simulated losses. If you successfully pass an evaluation, you may be offered the opportunity to advance to a funded program account, which is governed by a separate or supplemental written agreement (the "Funded Trader Agreement"). In the event of a conflict between these Terms and the Funded Trader Agreement, the Funded Trader Agreement governs your funded account.

You acknowledge that trading platforms, data feeds, and related services are operated by third parties whose own terms and privacy policies apply to your use of them, and that you are responsible for obtaining, at your own risk and expense, the equipment, software, and internet access needed to use the Services. Availability of the Services is not guaranteed; the Services may be unavailable due to maintenance, upgrades, or other reasons, and we are not responsible for interruptions, delays, or inaccuracies in market information displayed through your account.

You agree to follow good market-standard rules and practices for trading, including risk-management standards. We have access to information about the trading you perform in the Services, and you grant us the right to use and share that data with our affiliates and service providers for legitimate business purposes, automatically and without further consent or compensation to you.

5. Fees, Payments, and Refunds

Program fees are one-time fees per account, charged at the prices displayed at checkout. Prices and availability are subject to change without notice, and obvious errors may be corrected even after an order is submitted (with an appropriate credit issued if your payment was already processed). Payments must be made with a payment method that is personal to you, and you represent that you are an authorized signatory of that payment method. Payments are processed by third-party payment processors, whose terms apply to the processing of your payment. Fees are inclusive of applicable service charges; you are responsible for any taxes arising from your use of the Services.

Except where required by law, all fees are final, non-cancelable, and non-refundable once your account credentials have been delivered or trading has begun, including where an evaluation is failed or an account is terminated for violation of these Terms. We may, in our sole discretion, consider refund requests in exceptional circumstances. If you initiate an unjustified chargeback or payment dispute with your bank or payment provider, we may suspend or terminate the Services provided to you and refuse future services.

6. Promo Codes and Rewards

We may offer promo codes, discounts, or rewards from time to time at our sole discretion. Unless otherwise stated, each promo code is a single-use offer, personal to the user it was provided to, has no monetary value, and may be subject to additional terms. You may not share, sell, purchase, trade, or commercially exploit promo codes, use them across multiple accounts, or exploit loopholes in any promo or rewards system. Rewards or incentives we offer may have their own goals, rules, expiration dates, and eligibility requirements, are personal and non-transferable, and may be altered or canceled if we determine, in our sole discretion, that these Terms have been violated. Abuse of promotions may result in cancellation of the promotion and suspension or termination of your account.

7. Prohibited Conduct

The following constitute "Prohibited Conduct." We reserve the right to determine, in our sole discretion, whether particular trades, practices, strategies, or situations constitute Prohibited Conduct:

• Violating these Terms, program rules, or applicable law, or providing false or misleading information to us.
• Exploiting the simulated environment to gain an advantage not achievable in live markets, including exploiting errors in price display or update delays, trading outside the best bid or offer, or using external or delayed data feeds.
• Disruptive or abusive practices as determined by us, including spoofing, latency arbitrage, tick scalping, and high-frequency or mass-data-entry techniques, or using software, artificial intelligence, or automation to gain an unfair advantage.
• Holding opposing positions on the same or a correlated instrument, whether within a single account or across accounts, and whether acting alone or in concert with others; and acting in concert with others to pool risk, mirror or oppose positions, or otherwise manipulate results. Replicating your own trades in the same direction across accounts you personally own is permitted.
• Trading on behalf of others, or allowing any third party to access or trade your account.
• Holding more than five funded accounts per household, opening or controlling accounts registered to another person, or circumventing geographic or technical restrictions.
• Using VPNs, proxy services, or any other means of masking or misrepresenting your location, including to circumvent household limits, regional restrictions, or identity verification.
• Gambling-style behavior inconsistent with market-standard risk management, such as position sizing wildly disproportionate to your other trading.
• Interfering with the Services, including hacking, password mining, denial-of-service attacks, introducing malicious code, scraping or harvesting data, or reverse engineering, disassembling, or decompiling any portion of the Services.
• Impersonating Lumen Futures, any of our staff, or any other user, including through email addresses, display names, social media accounts, or messages sent in our community spaces, or otherwise representing yourself as authorized to speak or act for us.
• Sending, or arranging for anyone else to send, unsolicited promotional messages through the Services or our community spaces, and approaching our users to advertise, recruit, or sell anything without our written permission.
• Behaving in a way that spoils the Services for another user, or that leaves Lumen Futures or anyone using the Services open to harm or legal claims.
• Any use of the Services that endangers a person under 18, including showing them material unsuitable for their age, requesting personal details from them, or attempting to contact them for those purposes.
• Using the Services in violation of any applicable law or regulation, including export control, sanctions, anti-money laundering, and data protection laws of the United States or any other country.

If you engage in Prohibited Conduct, we may (a) treat it as a failure of the applicable program, (b) remove the offending transactions from your trading history and exclude their results, and/or (c) suspend or terminate your access to any or all Services, including your account, without compensation or refund.

8. Intellectual Property

The Services and their entire contents, features, and functionality are owned by Lumen Futures, its licensors, or other providers and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. You are granted a personal, non-exclusive, non-transferable, revocable, limited license to access and use the Services for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, transmit, sell, or exploit any portion of the Services except as these Terms expressly permit. The Lumen Futures name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Lumen Futures; you may not use them without our prior written permission. All rights not expressly granted are reserved.

9. User Content and Feedback

If the Services or our community spaces (including Discord) allow you to post or submit content, you are solely responsible for what you post. You agree not to post content that is unlawful, defamatory, obscene, abusive, harassing, deceptive, infringing, invasive of privacy, or that impersonates any person, constitutes unauthorized advertising, or contains malicious code. You agree to disclose any conflict of interest when posting about any financial instrument. By submitting content, you grant Lumen Futures a worldwide, non-exclusive, irrevocable, perpetual, royalty-free license to host, use, reproduce, distribute, display, and modify that content for any purpose, and you represent that you have the rights necessary to grant that license. Feedback and suggestions you send us become the property of Lumen Futures, and you assign to us all right, title, and interest in them. We may remove or refuse any user content, monitor and enforce these standards, disclose information as required by law, and cooperate with law enforcement. However, we have no obligation to pre-screen content and assume no liability for user content.

10. Copyright Infringement Notices

We respect the intellectual property rights of others. If you believe content on the Services infringes your copyright, send a notice to support@lumenfutures.comincluding: (a) a physical or electronic signature of a person authorized to act on behalf of the rights owner; (b) identification of the work claimed to be infringed; (c) identification and location of the allegedly infringing material; (d) your contact information; (e) a statement of your good-faith belief that the use is not authorized by the owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on the owner's behalf.

11. Third-Party Services and Links

The Services may reference or link to third-party websites, platforms, and services, including trading platforms, data feeds, payment processors, and community platforms. These are provided for your convenience only; we do not control them, do not endorse them, and are not responsible for their content, products, services, privacy practices, or terms. If you access any third-party service, you do so at your own risk and subject to that party's terms. You are responsible for your own due diligence before transacting with any third party.

12. Modification, Suspension, and Termination

We reserve the right at any time, in our sole discretion, to modify, suspend, or discontinue the Services or any feature of them, with or without notice, and we will not be liable for any modification, suspension, or discontinuance. We may suspend or terminate your access to the Services at any time, with or without cause or notice, including for violation of these Terms; if your access is terminated, you agree not to open a new account under any name. You may terminate your account at any time by contacting support; the relationship ends as of our email confirmation, and no refund of fees is owed on termination. Provisions of these Terms that by their nature should survive termination (including ownership, warranty disclaimers, indemnities, and limitations of liability) survive.

13. Disclaimer of Warranties

Your use of the Services is at your own risk. The Services and all content, products, and services provided through them are provided on an "as is" and "as available" basis, with all faults, and without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or availability. We do not warrant that the Services will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Services or the servers that make them available are free of viruses or other harmful components. The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.

14. Limitation of Liability

To the fullest extent permitted by law, in no event will Lumen Futures, its affiliates, or their respective owners, officers, directors, employees, agents, licensors, or service providers be liable for damages of any kind, under any legal theory, arising out of or in connection with your use of, or inability to use, the Services, any linked website, or any content or services obtained through them, including any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, lost profits, lost or corrupted data, trading or investment losses, business interruption, or loss of goodwill, even if foreseeable or if we were advised of the possibility of such damages.

Notwithstanding the foregoing, in no event will our aggregate liability for any claim arising out of or relating to these Terms or the Services exceed the greatest of (a) the total fees you paid to Lumen Futures for the account or program to which the claim relates, (b) where the claim does not relate to a specific account or program, the total fees you paid to Lumen Futures in the twelve (12) months preceding the event giving rise to the claim, or (c) one hundred U.S. dollars ($100).

Because some jurisdictions do not allow the exclusion or limitation of certain damages, some of the above limitations may not apply to you; in such jurisdictions, our liability is limited to the maximum extent permitted by law. If you are dissatisfied with the Services or these Terms, your sole and exclusive remedy is to discontinue using the Services.

15. Indemnification

You agree to defend, indemnify, and hold harmless Lumen Futures, its affiliates, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Services, (b) your violation of these Terms or applicable law, (c) your user content, (d) your infringement of any right of any third party, or (e) any payment method or funding source you use. We reserve the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense and not to settle any such matter without our prior written consent.

16. Governing Law, Arbitration, and Class Action Waiver

Please read this section carefully. Except where prohibited by applicable law, it requires arbitration instead of litigation and affects legal rights you may otherwise have.

These Terms and any dispute arising from them or the Services are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any dispute, claim, or controversy arising out of or relating to these Terms (including their breach, termination, enforcement, interpretation, or validity, and the arbitrability of any dispute) shall be resolved by final and binding arbitration before a single arbitrator under the rules of the American Arbitration Association, seated in Harris County, Texas, with the parties sharing the costs of arbitration equally. This clause does not preclude either party from seeking provisional remedies in aid of arbitration from a court of competent jurisdiction. For any matter not subject to arbitration, you irrevocably consent to the exclusive jurisdiction of the state and federal courts located in Harris County, Texas, and waive any objection based on venue or forum non conveniens. In any proceeding, the prevailing party shall be entitled to recover its reasonable costs and attorneys' fees except as limited below.

The parties agree to resolve disputes on an individual basis only. No proceeding shall be certified as, consolidated with, or proceed as a class, collective, or representative action, and each party waives the right to participate in any class or representative action and, to the fullest extent permitted by law, the right to a trial by jury.

Any cause of action or claim you may have arising out of or relating to these Terms or the Services must be commenced within one (1) year after the cause of action accrues; otherwise it is permanently barred.

17. Force Majeure

We will not be liable for any failure or delay in performing our obligations under these Terms caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, governmental action, power or telecommunications failures, or failures of third-party providers. Our obligations are suspended, and time for performance extended, for the duration of any such event.

18. Miscellaneous

• Electronic communications. You consent to receive communications from us electronically, and you agree that all agreements, notices, and disclosures we provide electronically satisfy any legal requirement that they be in writing.
• No partnership. Nothing in these Terms creates a partnership, agency, trust, fiduciary relationship, or joint venture between you and Lumen Futures.
• Equitable relief. You agree that a breach of these Terms would cause irreparable harm that damages alone could not remedy, and that we may enforce these Terms by injunction, specific performance, or other equitable relief without posting a bond.
• Assignment. You may not assign or transfer these Terms or any rights under them without our prior written consent; we may assign these Terms at any time.
• Waiver and severability. Our failure to enforce any provision is not a waiver of it. If any provision of these Terms is held invalid or unenforceable, it will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
• Entire agreement. These Terms, together with the Privacy Policy, Risk Disclosure, published program rules, and any Funded Trader Agreement or other written agreement between you and us, constitute the entire agreement between you and Lumen Futures regarding the Services and supersede all prior understandings.

19. Contact

Questions about these Terms, the Site, or the Services, including copyright notices and support requests, should be directed to support@lumenfutures.com.

Lumen Futures LLC, a Texas limited liability company.
2401 Fountain View Dr, Ste 464 # 2794, Houston, TX 77057