Policy & Trust Center
Your trust is our foundation. Here you'll find all our policies, terms, and legal information designed to protect both you and our commitment to privacy-first innovation.
Legal entity. Lumavel LLC is a Virginia limited liability company (established 2026). Lumavel LLC is the legal entity responsible for the Lumavel services and policies described on this page. Governing law for these documents is the Commonwealth of Virginia, USA. 3CL Holdings is a portfolio brand only and is not a contracting party — see Holdings portfolio notice.
Policies are published by Lumavel LLC and updated as our products and features evolve. Some high-risk features (children under 13, Plaid bank linking, Plaza seller onboarding) remain paused until matching processes are ready — see each policy for details.
Primary: Privacy, Terms, Cookies, Subscription & Refunds. Supporting notices: Accessibility, Plaza (paused), Business Hub, Toolkit, Child & Family (paused), AI, Holdings brand notice.
Our Commitment to Transparency
At Lumavel, transparency is an operational standard. Full policy text is published so you can read what Lumavel LLC commits to, with effective dates and version history kept on file.
Privacy Policy
Learn how we collect, use, and protect your personal information.
Terms of Service
The rules and guidelines for using Lumavel services and platforms.
Cookie Policy
Information about how we use cookies and tracking technologies.
Subscription & Refund Policy
Pricing, renewal, cancellation, and refunds for open paid products.
Disclaimer
Important legal notices and limitations of liability.
End User License Agreement (EULA)
License terms and conditions for using our software and services.
Acceptable Use Policy
Guidelines for appropriate and prohibited use of our platform.
Accessibility Statement
Our commitment to accessible design. Zoom, keyboard nav, screen readers, reduced motion.
Plaza Terms
Seller onboarding is paused. Browse terms pointer for Plaza.
Business Hub Terms
Hub subscriptions and tools. Bank linking (Plaid) remains paused.
Toolkit Terms
Ordinary Business Toolkit calculators and utilities.
Platform Privacy Notice
Shared identity and infrastructure privacy across sister products.
Child & Family Privacy
Child profiles and under-13 collection are paused until COPPA-ready.
AI Services Notice
How AI features (including Gemini) process content you submit.
Holdings Portfolio Notice
3CL Holdings is a brand umbrella only — not a legal entity.
Questions About Our Policies?
If you have any questions about our policies, privacy practices, or how we handle your data, please don't hesitate to reach out.
Manage your privacy preferences
Policies are updated as Lumavel products evolve. Cookie choices are stored by Lumavel on this browser.