Terms of Service

Last updated: 13 November 2026

These Terms of Service ("Terms") govern your access to and use of Lumivo Ads (the "Platform"), including the advertiser and publisher services. By creating an account or using the Platform you agree to these Terms. If you do not agree, do not use the Platform.

1. Eligibility and accounts

You must be at least 18 years old and able to enter a binding agreement. You must give accurate information and keep it up to date. You are responsible for your account, your password and all activity under it. Keep your login details private and tell us promptly if you suspect misuse. One person or business may not operate multiple accounts to avoid a restriction or ban.

2. Content policy: what is not allowed

By signing up you confirm that you will not publish, promote or advertise any of the following, on your websites, in your ads or on pages your ads link to:

• Adult content: pornography, sexually explicit or suggestive material, and escort or adult-dating services.
• Illegal content and activity: anything unlawful in your country or ours, including illegal drugs, weapons trafficking, counterfeit or pirated goods, stolen data, fraud and scams, phishing, malware or unwanted software, money laundering, and any content that exploits or endangers children.
• Inappropriate or harmful content: hate speech, harassment, graphic violence, terrorism or extremism, promotion of self-harm, and deceptive or misleading content such as fake prizes, fake virus or system alerts, and false claims.
• Invalid traffic: bots, scripts, incentivized or forced clicks, self-clicking, hidden or deceptive ad placement, or any attempt to manipulate impressions, clicks or earnings.

You are responsible for all content you publish or advertise through the Platform.

3. Advertisers

Your ads and landing pages must be lawful, accurate and comply with section 2. You fund a prepaid wallet and are charged per click or per thousand views at the bid you set, up to your balance and daily limits. We may review, reject, pause or remove any campaign at any time. Deposits fund ad spend and are generally non-refundable once spent. Unspent balances are handled case by case. You are responsible for any taxes that apply to your purchases.

4. Publishers

You may only place the ad code on websites you own or control. Your sites must comply with section 2 and any applicable law, including requirements about privacy notices and consent for advertising. You earn a share of the charges for valid views and clicks after our commission. We may withhold, adjust or reverse earnings for invalid traffic or breaches of these Terms. Payouts require identity verification and the minimum balance shown in your dashboard, and are made by the method you provide.

5. Fees and commission

We retain a commission on each charge, set by us and applied before publisher earnings are credited. Payment processing is handled by Stripe, and its terms apply to card payments. We may change fees, minimum deposits and minimum payouts, with the change applying going forward.

6. Enforcement

If we find or reasonably suspect a breach of these Terms we may, at our discretion and without prior notice: reject, pause or remove ads and websites; suspend, ban or permanently delete your account; block your email address, related websites and domains, and in some cases your network address from registering again; withhold or reverse earnings and hold account balances while we investigate; and report unlawful activity to the authorities. A banned or deleted user may not create a new account, and any account we link to a banned user may be closed.

7. Intellectual property

The Platform, its software, design and branding belong to us or our licensors. You receive a limited, revocable right to use the Platform under these Terms. You keep ownership of your content and give us permission to display, store and process it as needed to run the Platform.

8. Communications and support

We do not use email. Support and account notices are delivered through the built-in Messages / Support inbox in your dashboard. By using the Platform you agree to receive service messages there, and you are responsible for checking it.

9. Privacy

Our Privacy Policy explains how we handle data and forms part of these Terms.

10. Disclaimers

The Platform is provided "as is" and "as available". We do not guarantee uninterrupted service, any level of traffic, clicks, conversions or earnings, or that ads will be shown at any particular time.

11. Limitation of liability

To the extent permitted by law, we are not liable for indirect, incidental or consequential losses, or for loss of profits, revenue or data. Our total liability for any claim is limited to the amount you paid to, or earned through, the Platform in the three months before the claim arose.

12. Termination

You may stop using the Platform at any time. We may suspend or end your access if you breach these Terms or if required by law. Sections that by their nature should continue (including 2, 6, 10 and 11) survive termination.

13. Changes

We may update these Terms. The updated version applies once published on this page, and continued use after that means you accept it. The date at the top shows the latest update.

14. Governing law

These Terms are governed by the laws of Singapore, and the courts of Singapore have jurisdiction over disputes, unless mandatory law in your country says otherwise.

15. Contact

Use the Messages / Support inbox in your dashboard. Log in or sign up to contact us.