Terms & Conditions

Mia Share Inc. (DBA Lumion)
Effective Date: May 1, 2025

1. Agreement Scope

This Agreement incorporates the following by reference:

• Lumion's Privacy Policy
• Any product-specific terms, ordering, and payment terms
• Disclosures required under applicable federal and state laws

Note: Users may also be subject to third-party terms for integrated services.

2. Rights to Use the Services

Services are protected by copyright and intellectual property laws. You are granted a limited, nonexclusive, nontransferable right to use the Services for personal or authorized institutional use.

You agree not to:

• Share or sublicense access to unauthorized third parties
• Modify, reverse-engineer, or copy the Services
• Violate applicable laws, including student loan servicing regulations or software use restrictions

3. Consent to Electronic Communications

By accepting these terms, you consent to receive all disclosures, communications, and legal notices electronically in accordance with the E-SIGN Act.

You may withdraw consent by contacting us. Your ability to use the Services may be impacted if you do so.

4. Accessibility

Lumion strives to comply with applicable accessibility requirements, including Section 508 and the Americans with Disabilities Act (ADA). If you require assistance accessing content, please contact support.

5. Data Privacy and Protection

Our handling of your data complies with applicable privacy laws, including the California Consumer Privacy Act (CCPA/CPRA), Virginia Consumer Data Protection Act (VCDPA), and other relevant state laws.

We do not sell personal data. You have the right to:

• Request access or deletion of your data
• Opt-out of certain processing
• Correct inaccurate personal data

6. User Conduct and Content

You are responsible for all content uploaded or shared via the Services. Prohibited content includes anything unlawful, defamatory, abusive, or infringing upon third-party rights.

You grant Lumion a license to use aggregated, non-personally identifiable data for analytics, product development, and benchmarking.

7. Financial Compliance

As a student loan servicing and financial technology provider, Lumion complies with:

• Truth in Lending Act (TILA)
• Fair Credit Reporting Act (FCRA)
• Electronic Fund Transfer Act (EFTA)
• CFPB regulations
• Applicable state lending and servicing laws

We provide required disclosures and consumer rights information for financial transactions and recurring payments.

8. Communications & Marketing

You may receive transactional communications via SMS, email, or phone. Marketing messages will only be sent with proper consent under the Telephone Consumer Protection Act (TCPA).

You may opt-out at any time.

9. Software Licensing & Export Controls

Our software is subject to U.S. export laws. You agree not to export or use the software in violation of embargoes or restrictions.

You may not:

• Copy or resell our software
• Circumvent license controls or use automation tools to scrape content

10. Limitation of Liability

To the extent permitted by law, Lumion disclaims all warranties. We are not liable for indirect, incidental, or consequential damages. Total liability is limited to the amount paid by you in the past 12 months.

11. Dispute Resolution and Arbitration

Disputes will be resolved by binding individual arbitration under the rules of the American Arbitration Association. You waive rights to class action or jury trial. Arbitration location and fees will align with legal guidelines.

12. Termination

We may suspend or terminate your access if you violate this Agreement. Provisions related to data rights, limitations of liability, dispute resolution, and compliance will survive termination.

13. Changes to the Agreement

We may revise these Terms at any time. Continued use of the Services after changes are posted indicates your agreement to the updated terms.

14. Governing Law

This Agreement is governed by the laws of the State of New York, excluding conflict of law rules. Services are intended for use in jurisdictions where lawful.

15. Contact Information

To contact us regarding this Agreement or your rights: