Terms of Service
Last updated: 19 June 2025
Welcome to Lucrum Ltd! We're glad you stopped by. These Terms of Service ("Terms") explain the rules that apply when you use Lucrum Ltd's informational website at https://lucrumltd.com/ (including all sub-domains, the "Website"), our mobile applications, and all related software, content, and services (collectively, the "Services").
Please read these Terms carefully before accessing the Services.
"Lucrum Ltd," "we," "our," or "us" means Lucrum Ltd, a software company incorporated and operating in the Marshall Islands that designs, builds, and maintains the Services.
"Device" refers to any equipment — computer, smartphone, tablet, or otherwise — you use to reach the Services.
"You" and "your" mean the individual who visits or uses the Services.
By registering for, using, or otherwise accessing the Services, you confirm that you have read, understood, and agreed to these Terms and to comply with all applicable laws and regulations. If you do not accept the Terms, please do not use the Services.
Questions? Email us at [email protected]. All correspondence, including queries about these Terms or the Services, should be sent to that address.
PLEASE NOTE: THESE TERMS INCLUDE A BINDING ARBITRATION CLAUSE. EXCEPT AS SPECIFICALLY PROVIDED, YOU AND LUCRUM LTD AGREE THAT ANY DISPUTE RELATING TO THESE TERMS OR THE SERVICES WILL BE SETTLED BY FINAL, BINDING ARBITRATION, AND NOT IN COURT. YOU AND LUCRUM LTD EACH WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.
1. Our Services
Lucrum Ltd offers a self-guided wellness program delivered by a text- and voice-based chatbot.
1.1 Medical Disclaimer
Lucrum Ltd develops software and content intended to improve mood and emotional well-being. We are not a medical or mental-health provider, and the Services are not a substitute for professional care. Only licensed physicians or other health-care professionals can provide such care. Although independent research suggests that some conversational techniques used in Lucrum Ltd may aid recovery for various conditions, we do not guarantee that the Services will provide any therapeutic benefit.
1.2 Emergencies
The Services are not designed for emergencies. If you believe you have a medical or psychiatric emergency, call 911 (or your local emergency number) or go to the nearest emergency department immediately.
If you are considering self-harm or believe you may harm yourself or others, stop using the Services and call 911 or your local emergency services right away.
1.3 Changes to the Services
We may modify, suspend, or discontinue all or part of the Services at any time, with or without notice. We will not be liable to you or anyone else for any such change.
2. Membership & Subscriptions
2.1 Creating an Account
To use the Services, you must create an account ("Member"). You agree to provide true, accurate, current, and complete information during registration and to keep that information up to date. Registration data is handled according to our Privacy Policy.
2.2 Account Security
You are responsible for safeguarding your password and account and for any activities that occur under them. Notify us immediately of any unauthorized use or security breach, and log out after each session. We are not liable for any losses arising from your failure to protect your credentials.
2.3 Membership Benefits
Members receive access to content, features, and functionality unavailable to non-members.
By becoming a Member, you consent to receive occasional promotional e-mails, surveys, and service announcements. You may unsubscribe at any time via the link in those e-mails. Memberships and subscriptions are personal and may not be transferred, sold, or exchanged.
2.4 Subscriptions
2.4.1 Plans
- Free Use – complimentary access with limited features, intended for users who cannot pay. We may deny or terminate Free Use at our discretion.
- Pro – paid plan granting full access to the Services.
Paid Subscriptions can be purchased within our apps via the Apple App Store or Google Play Store where available.
2.4.2 Maintaining a Paid Subscription
Paid plans are billed monthly or annually by the marketplace where you subscribed. If payment is more than seven days late, your account will revert to Free Use.
Subscription fees will automatically be charged to the payment method on file until you cancel. Cancel before the next billing cycle to avoid further charges. Partial periods are non-refundable.
You can change or cancel a subscription only through the marketplace where you bought it. Web purchases can be canceled by e-mailing [email protected].
2.4.3 Refunds
Apple App Store or iOS in-app purchases are final and governed by Apple's policies; we do not issue refunds. Google Play Store purchases are final and governed by Google's policies. Website purchases (via Stripe, PayPal, etc.) may be refunded within seven days of purchase by e-mailing us. EU 14-day refund rules for digital goods do not apply to the Services.
2.5 Device Requirements
Your Device must meet the system requirements listed on the Website or in the Apple and Google app stores.
3. Canceling the Services
3.1 Your Cancellation
You may delete your account in the app at any time, permanently erasing all associated data. If you delete your account, any paid plan will end at the close of the current billing period.
You may also cancel a paid plan and switch to Free Use without deleting your account; the change takes effect at the next billing period.
Apple, Google, or web cancellations must be completed through the same channel you used for purchase.
3.2 Our Cancellation
We may suspend or terminate your access for fraud, breach of these Terms, or other misuse, with or without notice.
4. Usage & Storage Limits
We may set general rules about data retention and storage limits, including how long data is kept and how much storage is allocated. We are not liable for loss or deletion of data. We may delete inactive accounts. These rules may change at any time without notice.
5. Mobile Services
Some Services are available on mobile devices ("Mobile Services"). Standard carrier data charges apply and the Services may not work on all devices or networks. By using Mobile Services, you consent to receiving communications (including SMS/MMS) from us. Update your account if you change or deactivate your mobile number.
6. Conditions of Use
6.1 User Conduct
You agree not to:
- Upload unlawful, infringing, harmful, hateful, defamatory, invasive, obscene, or otherwise objectionable content.
- Upload viruses or unsolicited promotions.
- Disrupt the Services or violate laws.
- Impersonate others or solicit minors.
- Harvest user data, advertise without permission, promote illegal activity, or access the Services in unauthorized ways.
We may investigate violations, remove offending content, suspend or terminate accounts, and notify law enforcement.
6.2 Commercial Use
Unless expressly permitted, the Services are for personal use only. You may not reproduce, sell or exploit them for commercial purposes.
6.3 Minors
If you are under 18, you may not use the Services.
7. App Store / Play Store Terms
The following additional terms apply to our iOS and Android apps:
- This agreement is between you and Lucrum Ltd, not Apple or Google.
- The apps are licensed for personal, non-commercial use on your Apple or Android devices.
- Apple and Google have no duty to provide support services.
- For non-conformity, your sole remedy is a refund from the marketplace.
- Lucrum Ltd is responsible for any product claims or intellectual-property disputes.
- You confirm you are not in a U.S.-sanctioned country or on a prohibited list.
- Apple, Google, and their affiliates are third-party beneficiaries and may enforce these Terms.
8. Intellectual Property
8.1 Service Content and Software
The Services and their content are protected by intellectual-property laws. Except for User Content you legally upload, you may not copy, modify, distribute, or create derivative works. You may not reverse-engineer our software. We reserve all rights.
"Lucrum Ltd" and associated logos are our trademarks. Other marks are the property of their owners.
8.2 Third-party Content
We are not liable for third-party content. We may remove any content at our discretion.
8.3 User Content
You retain ownership of your User Content but grant us a worldwide, royalty-free, perpetual license to use it to operate and promote the Services. Feedback you provide is non-confidential and may be used without compensation.
We may preserve or disclose content to comply with law, enforce Terms, respond to claims or protect safety.
8.4 DMCA
If you believe material on the Services infringes copyright, send a DMCA notice to [email protected] with the required information.
9. Third-Party Sites
Links to external sites are provided for convenience; we do not endorse them and are not responsible for their content. Dealings with third parties are solely between you and them.
10. Social Networking Services
Connecting your account to social networks is optional. We access information from such networks as permitted by their policies. We are not responsible for their accuracy or practices.
11. Warranty, Indemnity & Liability
11.1 Indemnity
You agree to indemnify Lucrum Ltd and its affiliates against claims arising from your use of the Services or violation of these Terms, except to the extent caused by our negligence.
11.2 Disclaimers
The Services are provided "as is" without warranties of any kind, express or implied. We do not warrant that the Services will meet your needs, be uninterrupted or error-free, or that results will be accurate.
11.3 Limitation of Liability
To the maximum extent allowed by law, Lucrum Ltd will not be liable for indirect or consequential damages. Our total liability will not exceed the amount you paid in the past six months or USD 100, whichever is greater. Some jurisdictions do not allow certain exclusions; in such cases, the limitations apply to the fullest extent permitted.
12. Arbitration
12.1 Agreement
Any dispute between you and Lucrum Ltd will be resolved by binding arbitration under the Federal Arbitration Act, except for individual small-claims court cases.
12.2 No Class Actions
Disputes must be brought individually; class or representative actions are not permitted.
12.3 Pre-arbitration
Send a written Notice of Dispute to [email protected] before commencing arbitration. If unresolved after 60 days, either party may begin arbitration.
12.4 Procedures
Arbitration will follow the AAA Consumer Rules. Hearings will be in a mutually convenient location or, for claims under USD 10 000, by telephone or documents only. The arbitrator must provide a reasoned decision.
12.5 Costs
We will cover arbitration fees for claims under USD 75 000 or where costs would otherwise be prohibitive.
12.6 Confidentiality
Arbitration proceedings and awards are confidential.
12.7 Severability
If any part of the Arbitration Agreement is unenforceable, the remainder remains in effect, except that the class-action waiver is essential; if it is invalidated, the entire Arbitration Agreement is void.
12.8 Future Changes
You may reject future changes to the Arbitration Agreement within 30 days by written notice; otherwise, they will apply.
13. General
13.1 Termination
We may terminate your account or access for any reason, including inactivity or breach. Termination may occur without notice and data may be deleted.
13.2 User Disputes
You are responsible for interactions with other users; we may, but are not obliged to, intervene.
13.3 Entire Agreement
These Terms constitute the entire agreement between you and us regarding the Services.
13.4 Governing Law
These Terms are governed by the laws of the Marshall Islands. For disputes not subject to arbitration, you and Lucrum Ltd consent to the courts of Majuro, Marshall Islands. Claims must be filed within one year. You may not assign these Terms without our consent; we may assign them freely.
14. Privacy
See our Privacy Policy for details on how we collect and use personal data. By using the Services, you agree to those practices.