Terms and Conditions of Use

IMPORTANT — PLEASE READ CAREFULLY

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and LUMHE TECHNOLOGY LLP ("Lumhe", "we", "us", or "our"). By accessing, downloading, installing, or using the Lumhe platform, website, or any of its features, you agree to be bound by these Terms in their entirety.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY STOP USING THE LUMHE PLATFORM.

These Terms contain important provisions including limitations on Lumhe's liability, indemnification obligations, and a binding arbitration clause. Please read Sections 15, 16, 17, and 19 especially carefully.

Table of Contents

1. Acceptance of Terms
2. Eligibility and Age Requirements
3. Account Registration and Security
4. Description of Services
5. User Content
6. Prohibited Conduct
7. Celebration Marketplace — Vendor and Buyer Terms
8. Intellectual Property
9. Privacy and Data Protection
10. Third-Party Services and Links
11. Sale of Digital Assets
12. Fees, Subscriptions, and Platform Payments
13. Termination
14. Modifications to the Platform and Terms
15. Disclaimer of Warranties
16. Limitation of Liability
17. Indemnification
18. Force Majeure
19. Governing Law and Dispute Resolution
20. General Provisions
21. Contact Information

1. Acceptance of Terms

By accessing or using the Lumhe platform ("Platform") — including the website at www.lumhe.com, the Lumhe mobile application, and any associated services, features, content, or tools (collectively, the "Services") — you confirm that you have read, understood, and agree to be legally bound by these Terms and Conditions ("Terms") and our Privacy Policy, which is incorporated herein by reference.

These Terms apply to:

• All users who register an account on the Platform ("Registered Users");
• All visitors who access the Platform without registration;
• Hosts who create and manage celebration events on the Platform;
• Guests who receive invitations, RSVP, or participate in celebrations through the Platform;
• Vendors and sellers who list products or services on the Celebration Marketplace (where available);
• Any person or entity who interacts with the Platform in any capacity.

Electronic Agreement. Your use of the Platform constitutes your electronic signature and agreement to these Terms. You acknowledge that these Terms are as enforceable as any written, signed agreement. If you are using the Platform on behalf of a company, organisation, or other legal entity, you represent that you have the authority to bind that entity to these Terms, and in that case, "you" and "your" refer to that entity.

Continued Use. Your continued use of the Platform following any changes to these Terms constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. Eligibility and Age Requirements

2.1 Minimum Age

To register for or use the Platform, you must be at least 13 years of age. If you are under the age of 13, you are strictly prohibited from accessing, registering for, or using the Platform under any circumstances. Lumhe does not knowingly collect personal information from any person under the age of 13. If we become aware that a person under 13 has registered or used the Platform, we will terminate their account and delete any personal information we have collected from such person, in accordance with applicable law (including, where applicable, the Children's Online Privacy Protection Act ("COPPA") in the United States and equivalent legislation in other jurisdictions).

Notwithstanding the foregoing, where the law of your jurisdiction sets a higher minimum age for the provision of an information-society service or for the processing of personal data without parental consent (for example, where applicable, the GDPR / UK GDPR digital-consent age), you must meet that higher minimum age (or have obtained verifiable parental consent in the manner required by such law) before using the Platform.

2.2 Users Aged 13 to 17 (Minor Users)

Users who are at least 13 years of age but under the age of 18 are referred to in these Terms as "Minor Users". If you are a Minor User, by registering for or using the Platform you represent that:

• Your parent or legal guardian has reviewed, understood, and agreed to these Terms and our Privacy Policy on your behalf;
• You have your parent's or legal guardian's permission to use the Platform; and
• You will use the Platform only with their knowledge and supervision.

Where you are a Minor User, your parent or legal guardian agrees, on your behalf, to be bound by these Terms and assumes responsibility for your compliance with them and for any acts, omissions, or transactions occurring through your account. Lumhe reserves the right to require verifiable parental consent at any time, to restrict features available to Minor Users, or to suspend or terminate the account of any Minor User where it considers necessary to comply with applicable law.

2.3 Age-Tiered Feature Restrictions

To provide an age-appropriate environment, Lumhe applies feature restrictions to certain Minor Users based on a combination of the user's age and country of residence. As of the Effective Date of these Terms:

• Users aged 13 to 15, residing outside India: Access is limited. Restricted features include, without limitation, direct messaging and chat, friend or connection requests, and the algorithmic discovery feed. These users may continue to host and participate in celebrations within their invited celebration context but cannot interact with users outside that context.
• Users aged 13 to 15, residing in India: Subject to Section 2.4 below, full feature access is currently permitted.
• Users aged 16 and 17, any country: Full feature access, subject to the parental-consent and other requirements in Section 2.2 and applicable law.
• Users aged 18 and above: Full feature access.

Lumhe determines a user's age tier based on the date of birth and country of residence the user provides at registration, and you agree to provide accurate, current, and complete information for this purpose. Lumhe reserves the right, at its sole discretion and without prior notice, to modify the age-tier model, the list of restricted features, the list of countries to which any exemption applies, or any related rules, including in response to changes in applicable law, platform policy, app-store rating requirements, or user-safety considerations.

2.4 India — Digital Personal Data Protection Act, 2023

For users residing in India, the Digital Personal Data Protection Act, 2023 (the "DPDPA") and the Digital Personal Data Protection Rules, 2025 (the "DPDP Rules") govern the processing of personal data, including the personal data of users under the age of 18. The substantive provisions of Section 9 of the DPDPA and the related provisions of the DPDP Rules dealing with processing of children's personal data become enforceable on 12 May 2027.

Prior to that date, Lumhe will implement a verifiable parental-consent mechanism for Indian users under the age of 18 that is designed to comply with the standards prescribed under Rule 10 of the DPDP Rules. Until such mechanism is implemented:

• Indian users between the ages of 13 and 17 may access the Platform on the basis of the parental consent and supervision representations set out in Section 2.2;
• By registering, the user and the user's parent or legal guardian represent and warrant that the user has obtained such parental consent and supervision; and
• Lumhe reserves the right, at any time and at its sole discretion, to require additional verifiable parental consent, restrict features, suspend accounts, or take any other action it considers necessary to remain compliant with the DPDPA, the DPDP Rules, and any directions, regulations, or guidance issued by the Data Protection Board of India or any other competent Indian authority.

2.5 Capacity and Other Eligibility Requirements

By using the Platform, you also represent and warrant that:

• You have the legal capacity to enter into a binding contract or, where you are a Minor User, your parent or legal guardian has such capacity and has agreed to these Terms on your behalf;
• You are not prohibited from using the Services under any applicable law, including, without limitation, any applicable sanctions, export-control, or anti-money-laundering laws;
• You are not located in, under the control of, or a national or resident of any country or region against which Lumhe is prohibited from providing services under applicable law; and
• You have not had your account previously suspended or terminated by Lumhe for breach of these Terms.

2.6 Parental and Guardian Concerns

If you are a parent or legal guardian and you believe that your minor child has registered for or used the Platform without your knowledge or consent, or that any personal data of your minor child has been collected by the Platform without appropriate consent, please contact us immediately at [email protected]. We will take reasonable steps to investigate and, where appropriate, terminate the relevant account and delete any personal data we have collected in respect of such minor in accordance with applicable law.

2.7 Geographic Availability

The Platform is available globally. By using the Platform from any country or territory, you represent that your use complies with all applicable local laws and regulations in your jurisdiction. Lumhe makes no specific representation that every feature or service is available or legally permissible in every jurisdiction, and Lumhe reserves the right, at its sole discretion, to limit or refuse access to all or part of the Platform to any user or in any country or territory at any time. You are solely responsible for ensuring that your access to and use of the Platform is lawful in the jurisdiction from which you access it.

3. Account Registration and Security

3.1 Registration

To access certain features of the Platform, you must register for an account. When registering, you agree to provide accurate, current, and complete information. You are solely responsible for maintaining the accuracy of your account information and updating it as necessary.

3.2 Account Security

You are solely and entirely responsible for:

• Maintaining the confidentiality of your account credentials (username, password, and any associated authentication tokens);
• All activities that occur under your account, whether or not authorised by you;
• Any losses or damages arising from unauthorised access to your account.

You agree to notify Lumhe immediately at [email protected] upon becoming aware of any unauthorised use of your account or any other security breach. Lumhe will not be liable for any losses or damages arising from your failure to comply with this obligation.

3.3 One Account Per Person

Each user may maintain only one personal account. Creating multiple accounts for the same individual is prohibited. Lumhe reserves the right to merge or terminate duplicate accounts at its sole discretion.

3.4 Business Accounts

Where the Platform offers business or vendor accounts, additional terms may apply. Such accounts are subject to the Vendor Agreement set out in Section 7 below.

4. Description of Services

Lumhe is a unified celebration platform that provides the following services (the "Services"):

4.1 Invitation & RSVP Management

Lumhe allows Hosts to upload invitation content in various formats (image, video, PDF, or text), create event listings with details including date, time, and venue, set up per-function RSVP tracking for multi-function celebrations (where a celebration comprises several distinct event functions or sub-events such as pre-event ceremonies, main events, receptions, and any other functions determined by the Host), track guest confirmations in real time, and share invitations via Lumhe's People Discovery feature or a shareable link. Lumhe may also offer, at its sole discretion, built-in invitation design tools or templates as a current or future feature of the Platform.

IMPORTANT DISCLAIMER: Lumhe is a technology platform that facilitates the sharing of invitations, management of RSVPs, and celebration coordination. Where Hosts upload their own invitation content, all event details, invitation content, and guest lists are solely the responsibility of the Host. Where Lumhe offers invitation design tools or templates, the Host remains solely responsible for reviewing and approving the final content before sharing. Lumhe does not guarantee the attendance of guests, the delivery of invitations to all intended recipients, or the accuracy of any event details submitted by Hosts.

4.2 Moments — Shared Photo Timeline

The Moments feature enables guests and hosts to upload and share photographs and media from a celebration event. All content uploaded to Moments is user-generated. Lumhe acts solely as a passive conduit and storage platform for such content. Lumhe does not review, curate, endorse, or take responsibility for any photographs or media uploaded by users. The Moments feature is subject to the User Content provisions in Section 5 below.

4.3 Digital Lifafa — Cashless Money Gifting

The Digital Lifafa feature allows Guests to send money gifts ("shagun" or "digital lifafa") to Hosts in connection with a celebration. The feature works as follows:

• The Host adds their payment information (such as a UPI ID, PayPal address, bank account details, or other accepted payment identifiers) to their Lumhe profile or event page;
• A Guest makes a direct payment to the Host using their preferred payment application (such as GPay, PhonePe, Paytm, PayPal, Wise, bank transfer, or any other platform);
• The Guest uploads a payment receipt or confirmation to the Lumhe Platform;
• Lumhe presents the receipt in the form of a digitally styled "lifafa" (envelope) which the Host can "open" within the Platform.

4.4 Celebration Marketplace (Future Feature)

The Celebration Marketplace ("Marketplace") is a feature of the Platform through which third-party vendors, brands, and sellers ("Vendors") may list and sell celebration-related products and services to Guests and Hosts. The Marketplace terms in Section 7 form part of these Terms and govern your use of the Marketplace.

IMPORTANT — MARKETPLACE AVAILABILITY: The activation, availability, geographic scope, feature set, and continued operation of the Marketplace are determined exclusively at Lumhe's sole and absolute discretion. Lumhe makes no representation or commitment as to whether the Marketplace is or will be active in any particular region or at any particular time. Lumhe reserves the right to make the Marketplace available, restrict it, modify it, suspend it, or permanently discontinue it at any time, with or without notice, and without any liability to any user, Vendor, or third party.

4.5 People Discovery

The People Discovery feature allows users to find and connect with other Lumhe users by name, phone number, or email address, and to send celebration invitations directly within the Platform. This feature is subject to Lumhe's Privacy Policy. Users have the right to opt out of being discoverable by other users at any time through their account settings. Lumhe is not responsible for any misuse of the People Discovery feature by other users.

4.6 Service Availability

Lumhe does not guarantee that the Services will be available at all times, uninterrupted, error-free, or free from viruses or other harmful components. The Platform may be temporarily unavailable due to maintenance, system upgrades, technical faults, or circumstances beyond Lumhe's control. Lumhe shall not be liable for any loss or inconvenience arising from unavailability of the Services.

5. User Content

5.1 Definition

"User Content" means any and all content, information, data, text, photographs, videos, audio, graphics, messages, or other materials that you upload, post, submit, transmit, display, or otherwise make available on or through the Platform, including but not limited to invitation files, event details, photographs uploaded to Moments, payment receipts uploaded to Digital Lifafa, product listings (by Vendors), and any other communications or submissions.

5.2 Your Responsibility for User Content

You are solely and entirely responsible for all User Content you submit. You represent and warrant that:

• You own all rights to the User Content, or have obtained all necessary permissions, licences, and consents to submit the User Content and to grant Lumhe the rights set out in these Terms;
• The User Content does not infringe the intellectual property rights, privacy rights, or any other rights of any third party;
• The User Content is accurate, not misleading, and does not violate any applicable law or regulation;
• You have obtained the explicit consent of all individuals depicted in photographs or videos you upload;
• The User Content does not contain viruses, malware, or other harmful code;
• You have the right to share any personal data of third parties (including guest names, phone numbers, and email addresses) that you input into the Platform.

5.3 Licence Grant to Lumhe and Data Rights

By submitting User Content to the Platform and by using the Platform, you grant Lumhe a worldwide, perpetual, irrevocable, non-exclusive, royalty-free, sublicensable, and transferable licence to use, reproduce, distribute, prepare derivative works of, display, perform, analyse, and otherwise exploit the User Content and associated data in connection with operating, providing, improving, promoting, and commercialising the Platform and Services.

Data Sharing and Commercial Use. By using the Platform, you acknowledge and agree that Lumhe may, at its sole discretion, share, transfer, licence, or otherwise provide data (including aggregated data, anonymised data, pseudonymised data, usage data, behavioural data, demographic data, and other platform data derived from user activity) to third-party partners, affiliates, advertisers, analytics providers, data brokers, or other commercial partners for business, research, marketing, or any other lawful commercial purpose. Lumhe may receive consideration or compensation for such data sharing. Such data use will be conducted in a manner Lumhe considers appropriate and in accordance with its Privacy Policy.

5.4 Content Moderation

Lumhe reserves the right (but not the obligation) to review, monitor, remove, edit, refuse, or disable access to any User Content that, in Lumhe's sole discretion, violates these Terms, is objectionable, or exposes Lumhe or its users to any harm or liability. Lumhe is not obligated to store, maintain, or make available any User Content, and may delete User Content without notice.

5.5 No Endorsement

Lumhe does not endorse, approve, or take responsibility for any User Content submitted by users. The views and opinions expressed in User Content are those of the individual users and do not reflect the views of Lumhe. Lumhe expressly disclaims all liability for User Content.

5.6 Guest Personal Data Uploaded by Hosts

When a Host inputs the names, phone numbers, or email addresses of their guests into the Platform, the Host represents and warrants that they have the legal right to share such personal data, and that they have obtained all necessary permissions, consents, or other lawful basis under applicable data protection law in their jurisdiction and in the jurisdiction of their guests. Lumhe processes such data to provide the Services and in accordance with its Privacy Policy, which may include sharing such data with third parties as described in Section 5.3. Lumhe is not responsible for any data protection liability arising from a Host's failure to comply with applicable data protection obligations in relation to their guests' personal data.

6. Prohibited Conduct

You agree that you will not, and will not permit any third party to:

• Use the Platform for any unlawful, fraudulent, or deceptive purpose;
• Upload, post, or transmit any content that is defamatory, obscene, pornographic, hateful, harassing, violent, or otherwise objectionable;
• Upload malware, viruses, Trojan horses, or any other harmful code;
• Attempt to gain unauthorised access to any part of the Platform, other user accounts, or Lumhe's systems or networks;
• Use automated tools, bots, scrapers, or data harvesting techniques to access or collect data from the Platform without Lumhe's prior written consent;
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity;
• Upload fraudulent or falsified payment receipts in connection with the Digital Lifafa feature;
• Use the People Discovery feature to collect personal data of other users for unauthorised purposes or to send unsolicited commercial communications;
• Interfere with or disrupt the integrity or performance of the Platform or its servers;
• Reverse engineer, decompile, or disassemble any aspect of the Platform;
• Reproduce, duplicate, copy, sell, or otherwise exploit any portion of the Platform for commercial purposes without Lumhe's express written consent;
• Upload content that infringes the intellectual property, privacy, or other rights of any third party;
• Violate any applicable local, national, or international law or regulation in connection with your use of the Platform;
• Use the Platform to collect, store, or process sensitive personal data of third parties in violation of applicable data protection laws;
• Engage in any conduct that Lumhe, in its sole discretion, deems inappropriate, harmful, or contrary to the spirit of a celebration platform.

Consequences. Violation of these prohibitions may result in immediate suspension or termination of your account, removal of your content, referral to law enforcement authorities, and/or civil legal action. Lumhe reserves all rights and remedies available under applicable law.

7. Celebration Marketplace — Vendor and Buyer Terms

The following terms apply to the Celebration Marketplace feature when it is made available on the Platform. Where these terms conflict with the general Terms, these Marketplace-specific terms shall prevail.

7.1 Lumhe as Marketplace Platform Only

LUMHE IS A MARKETPLACE PLATFORM AND IS NOT A SELLER, RETAILER, RESELLER, OR AGENT OF ANY VENDOR. Lumhe does not manufacture, stock, inspect, quality-test, warehouse, ship, or fulfil any product listed on the Marketplace. All products and services are listed, sold, fulfilled, and delivered solely by independent third-party Vendors.

7.2 Vendor Responsibilities

Vendors who list products on the Marketplace represent and warrant that:

• All product listings are accurate, complete, and not misleading;
• All products comply with applicable laws and regulations, including product safety standards, food safety regulations, import/export laws, and labelling requirements;
• All intellectual property used in listings is properly licensed;
• They will fulfil orders in a timely manner and as described;
• They will handle customer service, returns, and refunds for their products;
• They have all necessary permits, licences, and regulatory approvals to sell their products.

7.3 Lumhe's Disclaimer for Marketplace Products

7.4 Commission and Payments

Lumhe charges Vendors a commission on each completed transaction on the Marketplace. The applicable commission rate will be agreed in the Vendor Agreement. Marketplace payments from Buyers are processed through Lumhe's designated payment partners. Vendor payouts will be settled in accordance with the Vendor Agreement after deducting Lumhe's commission and applicable fees.

7.5 Returns, Refunds, and Disputes

Refund and return policies are set by individual Vendors and disclosed on their product listings. Lumhe may, at its sole discretion, operate a dispute resolution mechanism between Buyers and Vendors, but is under no obligation to do so. In the event of an unresolvable dispute, Buyers may seek recourse directly from the Vendor. Lumhe's liability in any Marketplace dispute is limited to the value of Lumhe's commission on the disputed transaction, and in no event shall exceed ₹5,000 (or equivalent in the applicable currency) per dispute.

8. Intellectual Property

8.1 Lumhe's Intellectual Property

The Platform and all its contents — including but not limited to the Lumhe name, logo, brand identity, software, code, design, graphics, text, user interface elements, databases, algorithms, features (including Digital Lifafa, Moments, and People Discovery), and all associated intellectual property — are owned by or licenced to LUMHE TECHNOLOGY LLP and are protected by applicable intellectual property laws in India and internationally.

Nothing in these Terms grants you any right, title, or interest in Lumhe's intellectual property. You may not use Lumhe's name, logo, trademarks, or other brand elements without Lumhe's prior written consent.

8.2 Your Intellectual Property

You retain ownership of your User Content. The licence you grant to Lumhe in Section 5.3 does not transfer ownership of your content to Lumhe.

8.3 Copyright Infringement — DMCA / Takedown Requests

If you believe any User Content on the Platform infringes your copyright, please send a written notice to [email protected] with the following information: (a) identification of the copyrighted work claimed to be infringed; (b) identification of the allegedly infringing material and its location on the Platform; (c) your contact information; (d) a statement that you have a good-faith belief that the use is not authorised; (e) a statement made under penalty of perjury that the information in the notice is accurate and that you are the copyright owner or authorised to act on behalf of the owner.

Lumhe will respond to valid takedown requests in accordance with applicable law. Repeat infringers will have their accounts terminated.

9. Privacy and Data Protection

Your use of the Platform is also governed by Lumhe's Privacy Policy, available at www.lumhe.com/privacy, which is incorporated into these Terms by reference. By using the Platform, you expressly consent to Lumhe's collection, storage, processing, sharing, and commercialisation of your data as described in the Privacy Policy and in Section 5.3 of these Terms.

9.1 Global Privacy Compliance

Lumhe operates a global platform and processes personal data of users worldwide. Lumhe endeavours to comply with applicable data protection laws in the jurisdictions where it operates. Where mandatory local data protection laws apply to your use of the Platform, Lumhe will process your data in accordance with those laws to the extent required. You are responsible for informing yourself of your rights under applicable local data protection laws. To exercise any data subject rights, contact [email protected].

Applicable frameworks may include, without limitation, the Digital Personal Data Protection Act, 2023 and Rules, 2025 (India), the Information Technology Act, 2000 (India), UK GDPR and Data Protection Act 2018 (United Kingdom), the California Consumer Privacy Act (USA), and equivalent legislation in other jurisdictions. Nothing in these Terms limits any rights you may have under mandatory applicable data protection law that cannot be contractually waived.

9.2 Global Data Storage and Cross-Border Transfers

Lumhe operates globally and your personal data may be stored, processed, and transferred to servers or service providers located in any country worldwide, including countries that may not have data protection laws equivalent to those in your jurisdiction. By using the Platform, you expressly consent to the transfer of your personal data to any country globally for the purposes of providing the Services.

Lumhe makes no guarantee or commitment regarding the specific country or region in which your data is stored at any given time. Data storage locations may change at Lumhe's sole discretion as the Platform's infrastructure evolves. Lumhe will implement appropriate safeguards for cross-border transfers to the extent required by applicable mandatory law, but shall not be liable for any consequences arising from the international transfer or storage of your data.

9.3 Data Retention — Including Post-Deletion Retention

Lumhe retains your personal data for as long as your account is active and for such further period as Lumhe deems necessary for its business, legal, regulatory, or operational purposes.

9.4 Data Security

Lumhe implements commercially reasonable technical and organisational security measures. However, as set out in Section 5.3, Lumhe expressly disclaims all liability for any data breach, unauthorised access, or data compromise. No security system is impenetrable and you accept all risk in providing your data to the Platform.

9.5 Cookies and Tracking Technologies

Lumhe uses cookies, pixel tags, web beacons, and similar tracking technologies on its Platform globally. By using the Platform, you consent to the use of these technologies for purposes including analytics, advertising, personalisation, and platform improvement. You may adjust cookie settings through your browser or device, but this may affect Platform functionality.

10. Third-Party Services and Links

The Platform may contain links to, integrations with, or references to third-party websites, services, applications, platforms, or tools ("Third-Party Services"), including payment platforms (such as Google Pay, PhonePe, Paytm, PayPal, Wise, and bank transfer services), social media platforms, map services, photo sharing platforms, and messaging applications.

Lumhe does not endorse, control, or accept responsibility for any Third-Party Services. Your use of Third-Party Services is governed by the terms and privacy policies of those third parties. Lumhe expressly disclaims all liability for:

• The content, accuracy, or availability of any Third-Party Service;
• Any loss, damage, or harm arising from your use of any Third-Party Service;
• Any transaction, payment, or data transfer made through a Third-Party Service;
• The privacy practices of any Third-Party Service;
• Any failure, outage, or error of any Third-Party Service.

When you leave the Lumhe Platform through a link or integration, you do so entirely at your own risk.

11. Sale of Digital Assets

Lumhe offers for purchase certain digital products ("Digital Assets") directly through the Platform. Digital Assets may include, without limitation:

• Digital celebration cards — digitally designed cards for any occasion (which may be referred to by various names on the Platform from time to time, including but not limited to greeting cards, well-wish cards, celebration cards, or similar);
• Digital gift envelope designs — premium, occasion-specific digital envelope or gifting wrapper designs used in connection with the Digital Lifafa feature or other gifting features (which may be referred to by various names on the Platform from time to time, including but not limited to lifafa designs, gift envelopes, celebration envelopes, or similar);
• Invitation templates, design elements, and other digital content;
• Any other digital products or content introduced by Lumhe from time to time.

Note on Naming. The specific names and descriptions of Digital Assets may change over time at Lumhe's sole discretion. These Terms apply to all Digital Assets regardless of how they are named or described on the Platform at any given time.

The sale of Digital Assets is conducted directly by LUMHE TECHNOLOGY LLP. In this context, Lumhe is the seller and you are the buyer. The provisions of this Section 11 govern all such transactions.

11.1 Purchase and Payment

To purchase a Digital Asset, you must:

• Have a valid, registered Lumhe account;
• Select the desired Digital Asset and complete the checkout process;
• Provide valid payment details via Lumhe's authorised payment processor(s);
• Confirm the purchase — your confirmation constitutes a binding offer to purchase.

Lumhe accepts payments through authorised payment gateways (such as Razorpay, Stripe, or other processors as displayed at checkout). All payment details are handled by the payment processor — Lumhe does not store your full card details or UPI credentials. By completing a purchase, you authorise Lumhe to charge the applicable amount to your selected payment method.

Pricing. All prices are displayed inclusive of applicable taxes where required by law. Prices may vary by region and are shown in your local currency at checkout (INR for India, GBP for UK, USD for USA). Lumhe reserves the right to change prices at any time. The price applicable to your purchase is the price displayed at the time you confirm your order.

11.2 Licence to Use Digital Assets

Upon successful payment and delivery of a Digital Asset, Lumhe grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to:

• Download, access, and use the Digital Asset for your own personal, non-commercial celebration purposes;
• Send the Digital Asset to recipients as a digital gift or greeting through the Lumhe Platform;
• Display the Digital Asset within the Lumhe Platform in connection with your event or celebration.

11.3 Intellectual Property Ownership of Digital Assets

All Digital Assets — including all celebration cards, digital envelope designs, invitation templates, and any other digital content sold on the Platform under whatever name — are the original creative works of LUMHE TECHNOLOGY LLP and/or its licensed content creators. All intellectual property rights in the Digital Assets, including copyright, design rights, and trademarks, are and remain exclusively owned by Lumhe (or its licensors).

Your purchase of a Digital Asset gives you a licence to use it as described in Section 11.2 above. It does not transfer any intellectual property rights to you. You may not claim ownership of any Digital Asset or the underlying design, artwork, or creative elements.

11.4 Digital Delivery

Digital Assets are delivered electronically through the Platform immediately upon successful payment confirmation. Delivery is deemed complete when the Digital Asset is made available in your account or sent to the designated recipient within the Platform. You are responsible for ensuring that your device and internet connection are capable of accessing and downloading the Digital Asset.

Lumhe will make reasonable efforts to ensure timely delivery. However, Lumhe is not liable for any delay in delivery caused by payment processing delays, technical issues on the buyer's device, internet outages, or any other circumstances beyond Lumhe's reasonable control.

11.5 No Refund Policy for Digital Assets

11.6 Failed Transactions and Duplicate Charges

If a payment is initiated but not completed due to a payment gateway error, the amount will not be charged or will be automatically reversed by the payment processor within the standard reversal timeline (typically 5–10 business days). Lumhe is not responsible for delays in reversal caused by your bank or payment provider.

If you believe you have been charged incorrectly or in duplicate, contact [email protected] within 1 working week (7 days) of the transaction date with your transaction reference number. Lumhe will investigate and, if a duplicate charge is confirmed, process a refund for the duplicate amount.

11.7 Taxes on Digital Asset Purchases

Lumhe will collect and remit applicable taxes on Digital Asset sales where required by law:

• India: Goods and Services Tax (GST) will be applied at the rate applicable to digital services/goods as determined by the GST Council. GST will be shown at checkout and included in the final price displayed.
• United Kingdom: VAT will be applied at the applicable UK rate. UK users will see VAT-inclusive prices at checkout.
• United States: Sales tax may apply depending on your state of residence. Where applicable, the applicable sales tax will be calculated and displayed at checkout.

You are responsible for any additional tax obligations arising from your purchase or use of Digital Assets that are not collected by Lumhe, including any income tax or gift tax implications.

11.8 Unauthorised Use and Enforcement

Lumhe actively monitors for unauthorised reproduction, redistribution, or commercial exploitation of its Digital Assets. If Lumhe detects or receives credible reports of misuse, Lumhe reserves the right to:

• Immediately revoke the licence granted to the infringing user without refund;
• Terminate the user's account;
• Seek injunctive relief and damages for copyright infringement;
• Report the infringement to relevant authorities.

11.9 Availability of Digital Assets

Lumhe reserves the right to add, modify, discontinue, or remove any Digital Asset from the Platform at any time without notice. Discontinuation of a Digital Asset does not affect licences already granted for purchases made before the discontinuation date. Where a Digital Asset is discontinued, Lumhe will use reasonable efforts to ensure continued access to already-purchased assets for a reasonable period.

12. Fees, Subscriptions, and Platform Payments

Certain features of the Platform may be subject to fees, subscriptions, or charges ("Fees"). Where Fees apply, they will be displayed before you commit to a purchase or subscription.

• All Fees are exclusive of applicable taxes unless otherwise stated. Users are responsible for any applicable GST, VAT, sales tax, or other applicable taxes.
• Fees are non-refundable except as expressly stated in these Terms or required by applicable law.
• Lumhe reserves the right to change its Fee structure at any time upon reasonable notice to users.
• Where Lumhe processes payments directly (e.g., for Digital Asset sales, Marketplace transactions, or premium subscriptions), such processing is conducted by authorised third-party payment processors. Lumhe is not liable for any errors or failures by payment processors.
• In the event of a billing dispute, please contact [email protected] within 1 working week (7 days) of the charge. Disputes raised after 30 days may not be considered.

Note: The Digital Lifafa feature does not involve any payment processing by Lumhe. See Section 4.3 and the payment disclaimer therein. Digital Asset sales are governed by Section 11.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting [email protected] or through the account deletion option in your profile settings. Upon termination, your access to the Platform will be revoked and your User Content may be deleted at Lumhe's discretion. Termination does not entitle you to a refund for any Digital Assets already delivered or Fees already paid.

Data Retention on Termination. Notwithstanding your account deletion, Lumhe reserves the right to retain any and all data associated with your account — including personal data, usage data, transaction records, User Content, and any other information — for such period as Lumhe determines necessary for business, legal, fraud prevention, regulatory, or any other legitimate purpose, as further described in Section 9.3. Account deletion does not guarantee the erasure of your data from all Lumhe systems, archives, or backups.

13.2 Termination by Lumhe

Lumhe reserves the right to suspend, restrict, or terminate your account, access, or use of the Platform at any time, without notice and without liability, in the event that:

• You violate any provision of these Terms;
• Lumhe reasonably suspects fraudulent, abusive, or illegal activity;
• Lumhe is required to do so by law or a regulatory authority;
• Your account has been inactive for an extended period;
• Lumhe discontinues the Platform or any part thereof.

13.3 Effect of Termination

Upon termination: (a) all rights and licences granted to you under these Terms immediately cease, including any licence to use purchased Digital Assets; (b) you must stop using the Platform; (c) Lumhe may delete your account data subject to its data retention obligations; (d) provisions of these Terms that by their nature should survive termination will continue to apply, including Sections 5.3, 8, 11.2, 11.3, 16, 17, 18, and 21.

14. Modifications to the Platform and Terms

Lumhe reserves the right, at its sole discretion and at any time, to:

• Modify, update, suspend, or discontinue all or any part of the Platform (including any feature, content, or Service) with or without notice;
• Modify these Terms at any time by posting the revised Terms on the Platform. The revised Terms will take effect on the date of posting unless a later effective date is specified;
• Change the Fees or payment structure for any paid features, with reasonable advance notice where practicable.

Lumhe will not be liable to you or any third party for any modification, suspension, or discontinuation of the Platform or any Service. It is your responsibility to review these Terms periodically. Your continued use of the Platform after the posting of revised Terms constitutes your acceptance of those changes.

15. Disclaimer of Warranties

PLEASE READ THIS SECTION CAREFULLY — IT LIMITS LUMHE'S LEGAL OBLIGATIONS TO YOU

16. Limitation of Liability

PLEASE READ THIS SECTION CAREFULLY — IT SIGNIFICANTLY LIMITS LUMHE'S LIABILITY TO YOU

16.1 Exclusion of Consequential Damages

16.2 Aggregate Liability Cap

16.3 Basis of the Bargain

YOU ACKNOWLEDGE THAT LUMHE HAS SET ITS PRICES AND ENTERED INTO THESE TERMS IN RELIANCE UPON THE LIABILITY LIMITATIONS AND DISCLAIMERS SET OUT IN SECTIONS 15 AND 16. THESE LIMITATIONS ARE AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND LUMHE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY — IN SUCH CASES, THE LIMITATION APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.

17. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless LUMHE TECHNOLOGY LLP and the Lumhe Parties (as defined in Section 16) from and against any and all claims, actions, proceedings, demands, damages, losses, costs, liabilities, and expenses (including reasonable legal fees and attorneys' fees) ("Claims") arising out of or relating to:

• Your access to or use of the Platform;
• Any User Content you submit, post, transmit, or otherwise make available through the Platform;
• Any violation by you of these Terms or any applicable law, regulation, or third-party right (including intellectual property rights, privacy rights, or data protection obligations);
• Your negligence, fraud, willful misconduct, or illegal act;
• Any payment made or received through the Digital Lifafa feature, including disputes, fraudulent receipts, or payment failures;
• Any product you sell as a Vendor on the Marketplace, including product liability claims, consumer complaints, or regulatory actions;
• Any dispute between you and any other user, Vendor, or third party arising from your use of the Platform;
• Any harm caused to any third party by your actions on the Platform;
• Your uploading of any guest personal data in violation of applicable data protection laws;
• Any misrepresentation by you in connection with the Platform.

Lumhe reserves the right to assume exclusive control of the defence and settlement of any Claim subject to indemnification by you, at your expense. You agree not to settle any such Claim without Lumhe's prior written consent. This indemnification obligation will survive the termination of these Terms and your use of the Platform.

18. Force Majeure

Lumhe shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from any cause beyond Lumhe's reasonable control, including but not limited to acts of God, natural disasters, floods, fires, earthquakes, pandemics, civil unrest, acts of terrorism, war, governmental actions or restrictions, power failures, internet outages, failure of third-party services or payment platforms, cyberattacks, or any other circumstances beyond Lumhe's reasonable control ("Force Majeure Event").

In the event of a Force Majeure Event, Lumhe's obligations will be suspended for the duration of the Force Majeure Event. Lumhe will use commercially reasonable efforts to resume normal operations as soon as practicable.

19. Governing Law and Dispute Resolution

19.1 Governing Law

These Terms and any dispute arising out of or in connection with them or the Platform shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.

19.2 Jurisdiction

Subject to the arbitration clause below, you agree to submit to the exclusive jurisdiction of the courts located in Indore, Madhya Pradesh, India, for the resolution of any disputes that are not subject to arbitration. You irrevocably waive any objection to such jurisdiction based on inconvenient forum or otherwise.

19.3 Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, the Platform, or the breach, termination, or invalidity thereof ("Dispute") shall be resolved by binding arbitration, except where prohibited by applicable law. The arbitration shall be conducted:

• Under the Arbitration and Conciliation Act, 1996 (as amended) of India;
• By a sole arbitrator mutually appointed by the parties, or if the parties cannot agree, appointed by the competent court;
• In the English language;
• In Indore, Madhya Pradesh, India (or virtually if the parties agree);
• The arbitration proceedings shall be confidential.

The arbitral award shall be final and binding on both parties. Each party shall bear its own costs of arbitration unless the arbitrator determines otherwise.

19.4 Waiver of Class Action

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU WAIVE YOUR RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION AGAINST LUMHE. Disputes must be brought on an individual basis only.

19.5 Mandatory Local Law

These Terms are governed by the laws of India as stated in Section 19.1. However, if you are a consumer or user in any jurisdiction where certain provisions of these Terms are invalid, unenforceable, or conflict with mandatory local law that cannot be excluded by contract, those mandatory local law provisions shall apply to the minimum extent required by law. This does not affect the validity of the remaining provisions of these Terms.

If you are in a jurisdiction that requires a local language version of these Terms, specific disclosures, or particular consumer protections, you are responsible for informing Lumhe at [email protected]. Lumhe will make reasonable efforts to comply with clearly applicable mandatory legal requirements but makes no general representation that the Platform complies with every local law in every jurisdiction in the world.

20. General Provisions

20.1 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and any other policies or agreements incorporated by reference, constitute the entire agreement between you and Lumhe relating to your use of the Platform and supersede all prior agreements, representations, or understandings.

20.2 Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if it cannot be modified, severed from these Terms. The remaining provisions shall continue in full force and effect.

20.3 Waiver

Lumhe's failure to enforce any provision of these Terms at any time shall not be construed as a waiver of that provision or any other provision. No waiver by Lumhe of any breach shall constitute a waiver of any subsequent breach.

20.4 Assignment

You may not assign or transfer any rights or obligations under these Terms without Lumhe's prior written consent. Lumhe may assign its rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

20.5 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship between you and Lumhe. You have no authority to bind Lumhe in any way.

20.6 Notices

Any notices to Lumhe under these Terms should be sent by email to [email protected] or by post to LUMHE TECHNOLOGY LLP at our registered office address. Lumhe may send notices to you by email to the address registered to your account. Email notice is deemed received on the date sent.

20.7 Language

These Terms are written in English. In the event of any conflict between the English version and any translation, the English version shall prevail.

20.8 Accessibility

If you have difficulty accessing these Terms due to a disability or other reason, please contact [email protected] and Lumhe will make reasonable efforts to provide these Terms in an accessible format.

20.9 Beta Features and Previews

Lumhe may offer certain features as beta, preview, or early access releases. Such features are provided on an experimental basis without any warranty, and Lumhe may modify or discontinue them at any time. Lumhe's liability for beta features is further limited beyond what is set out in these Terms.

21. Contact Information

LUMHE TECHNOLOGY LLP

• For general support: [email protected]
• For legal/compliance: [email protected]
• For privacy & data matters: [email protected]
• For Marketplace/Vendor: [email protected]
• For Digital Asset queries: [email protected]

Website: www.lumhe.com

Lumhe's Grievance Officer (all jurisdictions globally):

• Contact: [email protected]
• Response time: Within 1 working week (7 days) of receipt

For all data subject requests (access, deletion, correction, objection):

• Contact: [email protected]
• Note: Deletion requests are subject to Lumhe's data retention rights as set out in Section 9.3 of these Terms.

These Terms were last updated on April 20, 2026. By continuing to use the Platform, you acknowledge that you have read, understood, and agreed to these Terms in full.

© 2026 LUMHE TECHNOLOGY LLP. All rights reserved.