Last updated: September 1, 2025 | Version 1.4
These Terms of Use ("Terms") govern your access to and use of the website operated by Lumino Capital Ltd ("Lumino Capital", "we", "us", "our") at luminomaltd.com and any associated subdomains or pages (the "Website"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.
Lumino Capital Ltd is a private limited company incorporated in England and Wales (Company Number: 12183740). Our registered office is at 14 Cornhill, Fourth Floor, London EC3V 3ND, United Kingdom. Lumino Capital is not authorised or regulated by the Financial Conduct Authority to provide investment advice to the general public. The information on this Website does not constitute investment advice, a solicitation to invest, or an offer of any kind.
By accessing the Website, you confirm that:
We reserve the right to change these Terms at any time. Changes will be effective from the date of posting on the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. We will update the "Last updated" date at the top of this page to indicate when changes were made.
The Website and all content on it are provided for informational and promotional purposes only. Nothing on the Website constitutes:
Any information about portfolio companies or investment returns is provided solely to illustrate Lumino Capital's activities and should not be relied upon as indicative of future performance.
Lumino Capital Ltd operates as a registered small UK Alternative Investment Fund Manager (AIFM) under the Alternative Investment Fund Managers Regulations 2013, as notified to the Financial Conduct Authority. The information on this Website is intended for professional investors and sophisticated investors as defined under applicable financial services legislation. If you are a retail investor, the content on this Website may not be appropriate for you, and you should seek independent financial advice before making any investment decisions.
Certain statements on the Website may constitute forward-looking statements, including statements about market trends, technology developments, and the potential of our portfolio companies. Forward-looking statements are inherently subject to uncertainty and risk. Actual outcomes may differ materially from those described in forward-looking statements. We undertake no obligation to update or revise forward-looking statements to reflect subsequent events or circumstances.
The Website and all content on it, including but not limited to text, articles, graphics, logos, photographs, audio and video material, user interface design, and code, are owned by or licensed to Lumino Capital Ltd and are protected by copyright, trademark, database rights, and other intellectual property rights under the laws of England and Wales and applicable international treaties.
The Lumino Capital name, logo, and related marks are trade marks of Lumino Capital Ltd. Nothing in these Terms grants you any right to use our trade marks without our prior written consent.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for your own personal, non-commercial purposes. This includes the right to:
You must not, without our prior written consent:
When using the Website, including when submitting any information through forms or communications, you agree that you will not:
We welcome founders and entrepreneurs to submit pitch materials and business information for our review. By submitting such information, you acknowledge that:
The Website may contain links to third-party websites, including the websites of portfolio companies, co-investors, academic institutions, and other organisations. These links are provided for informational convenience only. Lumino Capital does not control, endorse, or take responsibility for the content, privacy practices, or terms of use of any third-party website. Your access to and use of third-party websites is at your own risk and subject to the terms and conditions of those websites.
We may also display content sourced from third parties, including news articles, research publications, and social media posts. Such content is the property of the respective owners and is displayed under fair use or applicable licences. We do not endorse third-party views expressed in such content.
We aim to keep the Website available at all times, but we cannot guarantee uninterrupted access. We may suspend, withdraw, or modify the Website at any time without notice for operational, security, maintenance, or legal reasons. We will not be liable for any loss or inconvenience arising from unavailability of the Website.
We take reasonable care to ensure that information on the Website is accurate and up to date at the time of publication. However, we do not make any representation or warranty, express or implied, regarding the accuracy, completeness, timeliness, or fitness for purpose of information on the Website. Information about portfolio companies, investment theses, and market conditions may become outdated and should not be relied upon without independent verification.
To the fullest extent permitted by applicable law, the Website and all content on it are provided on an "as is" and "as available" basis without any warranty of any kind, whether express or implied. We exclude all implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and freedom from error or interruption.
To the fullest extent permitted by applicable law, Lumino Capital Ltd, its directors, employees, partners, agents, and advisors shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or relating to your use of, or inability to use, the Website, even if we have been advised of the possibility of such damages.
Our total aggregate liability to you in connection with these Terms or the Website, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the greater of (a) one hundred pounds sterling (GBP 100) or (b) the amount paid by you, if any, for access to the Website in the 12 months preceding the claim.
Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, for fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law, including consumer rights under UK consumer protection legislation.
You agree to indemnify, defend, and hold harmless Lumino Capital Ltd and its directors, employees, partners, agents, and licensors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or relating to:
These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.
Subject to clause 10.3, you agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter.
Before commencing legal proceedings, both parties agree to attempt to resolve any dispute through good faith negotiation for a period of 30 days following written notice of the dispute. If negotiation fails to resolve the dispute, either party may refer it to mediation through the Centre for Effective Dispute Resolution (CEDR) before commencing litigation. Participation in mediation shall be without prejudice to either party's legal rights.
To the extent permitted by applicable law, any dispute arising in connection with the Website must be brought by you in your individual capacity and not as part of any class or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Our collection and use of personal data in connection with the Website and our business activities is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Website, you consent to the collection and use of your personal data as described in the Privacy Policy. Our use of cookies is governed by our Cookie Policy.
Lumino Capital shall not be liable for any failure or delay in the performance of its obligations under these Terms (excluding payment obligations) where such failure or delay is caused by events beyond our reasonable control, including acts of God, fire, flood, earthquake, epidemics, pandemics, acts of terrorism, cyber attacks, failure of third-party services or infrastructure, industrial action, governmental actions, or changes in law.
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, it shall be severed from the Terms. Such invalidity, illegality, or unenforceability shall not affect the remaining provisions of the Terms, which shall continue in full force and effect.
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Lumino Capital in relation to your use of the Website and supersede all prior agreements, representations, and understandings relating to the same subject matter. Nothing in these Terms is intended to create any partnership, agency relationship, or employment relationship between you and Lumino Capital.
No failure or delay by Lumino Capital in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. A waiver of any right must be given in writing and signed by an authorised representative of Lumino Capital. A waiver of a right in a particular instance does not waive that right in any future instance.
You may not assign, transfer, or sub-licence your rights or obligations under these Terms without our prior written consent. We reserve the right to assign our rights and obligations under these Terms to any affiliate, successor entity, or third party in connection with a merger, acquisition, or sale of our business.
Lumino Capital Ltd is a small registered UK Alternative Investment Fund Manager. For information about our regulatory status, please contact us at contact@luminomaltd.com or check the FCA Register at register.fca.org.uk. Investments in venture capital funds involve significant risk, including the risk of total loss of invested capital. Past performance is not a reliable indicator of future results. The value of investments may go down as well as up.
Any legal notices under these Terms should be sent in writing to:
Lumino Capital Ltd
Legal Team
14 Cornhill, Fourth Floor
London EC3V 3ND
United Kingdom
Email: legal@luminomaltd.com
Lumino Capital Ltd • 14 Cornhill, Fourth Floor, London EC3V 3ND • Registered in England and Wales No. 12183740 • These Terms were last reviewed on September 1, 2025