Terms of Service

1. The service

LumeaPag is a technology platform that lets merchants create charges, receive payments by PIX and other available methods, track sales and request withdrawals. LumeaPag is not a bank or a financial institution; settlement is carried out by partner payment institutions and acquirers.

2. Registration and eligibility

• You must be over 18 with legal capacity, or legally represent the registered company.
• The information and documents you send must be true, complete and up to date.
• Approval depends on identity and risk review and may be denied or revisited at any time based on security and compliance criteria.
• You are responsible for keeping your password, API keys and webhook secrets confidential, and for all activity carried out with them.

3. Fees, balance and withdrawals

• Applicable fees are shown in the dashboard and deducted from each transaction. Fee changes apply to future transactions, with prior notice.
• Your available balance is confirmed sales minus fees, withdrawals and applicable adjustments.
• Withdrawals may go through a security review and follow the operational deadlines and limits shown on the platform.
• Each sub-account operates in one currency. Balances in different currencies are not added together or converted automatically.

4. Permitted use

You may not use the platform to:

• sell illegal or counterfeit products or services, or ones that infringe third-party rights;
• commit fraud, money laundering, finance illegal activity or engage in any conduct contrary to law;
• create charges without a real sale behind them, or simulate transactions to generate balance;
• try to access restricted areas, bypass technical limits or overload the infrastructure;
• use buyer data for any purpose other than the contracted sale.

5. Chargebacks, disputes and holds

You are responsible for sales made in your account, including refunds, disputes and claims opened by buyers or financial institutions. When a chargeback occurs, the corresponding amounts may be debited from your balance or held until the review is complete.

6. Suspension and termination

We may suspend, limit or close an account, and hold funds for as long as needed, in case of signs of fraud, breach of these Terms, a legal requirement or an authority's order. You may also close your account at any time after settling any pending items.

7. Availability and limits of liability

We make reasonable efforts to keep the platform available, but it depends on third parties (payment institutions, banking networks and infrastructure providers) and may experience instability and maintenance. To the extent permitted by law, LumeaPag is not liable for lost profits, lost opportunity or indirect damages, or for failures attributable to third parties or to the merchant.

8. Intellectual property

The brand, software, documentation and content of the platform belong to Lumeafy Tecnologia Ltda. or its licensors. We grant you a limited, revocable, non-exclusive license to use the platform under these Terms.

9. Data protection

Personal data is handled in line with our Privacy Policy. When you process buyer data you agree to comply with the LGPD and to inform your customers appropriately.

10. Changes to the Terms

We may update these Terms. Material changes will be communicated through the platform, and continued use after the effective date means you accept the new version.

11. Governing law and venue

These Terms are governed by the laws of the Federative Republic of Brazil. The courts of the district where Lumeafy Tecnologia Ltda. has its registered office will settle disputes, without prejudice to consumer rights provided by law.

12. Contact

Questions about these Terms can be sent through the support channels listed in this site's footer.