Last Updated: 30-06-2026
Welcome to Lumeya. These Terms and Conditions govern your use of the Lumeya website, pilot program, forms, communications, and related services.
By using this website or submitting your information, you agree to these Terms.
Lumeya is a community savings coordination platform designed to help organize Group Savings Units, also known in different communities as Susu, Tontine, Sol, Likelemba, Esusu, Chama, Hui, ROSCA, and similar savings models.
Lumeya provides tools for organization, tracking, reporting, communication, and administrative coordination.
Lumeya is not a bank, credit union, lender, investment adviser, broker, or licensed financial institution.
Lumeya does not currently provide banking, investment, deposit-taking, lending, or money transmission services.
Any future services involving payments, custody, transfers, or financial transactions may be handled through appropriate third-party providers and subject to additional terms.
Lumeya may offer pilot access to selected individuals or groups for testing and feedback purposes.
Participation in the pilot program does not guarantee permanent access, future pricing, financial benefit, or acceptance into later versions of the platform.
Lumeya may modify, pause, or end the pilot program at any time.
Users agree to provide accurate information when submitting forms or participating in Lumeya activities.
Group leaders and members are responsible for understanding and honoring the savings arrangements they voluntarily enter into with their group.
Lumeya is not responsible for disputes between group members unless otherwise stated in a separate written agreement.
Information provided by Lumeya is for educational, organizational, and informational purposes only.
Nothing on this website should be considered financial, legal, tax, investment, or banking advice.
Users should consult qualified professionals when needed.
Lumeya may collect information submitted through website forms, including names, contact information, group details, and communication preferences.
Lumeya will use this information to communicate with users, evaluate pilot participation, improve services, and develop the platform.
Lumeya will not intentionally sell personal information to third parties.
A separate Privacy Policy may provide additional details.
All Lumeya names, concepts, materials, documents, workflows, website content, branding, and platform designs are the property of Lumeya unless otherwise stated.
Users may not copy, reproduce, distribute, or commercially use Lumeya materials without written permission.
Users agree not to misuse the website or platform, including by:
Lumeya is not responsible for losses, disputes, missed contributions, unpaid amounts, group disagreements, or financial decisions made by users or group members.
Use of Lumeya is at the user’s own discretion and risk.
Lumeya may update these Terms from time to time. Updated Terms will be posted on the website with a revised “Last Updated” date.
For questions about these Terms, please contact:
Lumeya
Email: info@lumeyah.net
