Last updated: 13 September 2026
These Terms of Use ("Terms") are a contract between you and the developer of the Lumio mobile application (the "App"), referred to here as "Lumio", "we" and "us", and identified by name in section 16. By creating an account or using the App you agree to them. If you do not agree, do not use the App.
You must be at least 18 years old, or the age of majority where you live, to create an account. The App is designed for adults and is not directed at children under 13.
Lumio teaches how to use AI tools, in plain language, through short lessons and a practice chat.
Lumio is educational. It is not professional advice. Lessons and AI replies touch on health, money, scams and legal topics because those are where AI is useful in ordinary life. Nothing in the App is medical, legal, financial, tax or professional advice, and nothing in it creates a professional relationship of any kind. Always consult a qualified professional before acting on anything you read or are told here.
The App uses artificial intelligence, provided by Anthropic, PBC, for the practice chat and for the "Is this real?" feature.
AI output can be wrong. It can be confidently wrong. It can be out of date. Verify anything that matters before you act on it.
This feature lets you choose a photograph or a video and receive a description of what is visible in it, together with suggestions for how to check it yourself.
It does not, and cannot, tell you whether an image is genuine or generated by AI. It deliberately gives no verdict, no score and no confidence percentage, because no tool can make that determination reliably, and least of all on an image that has been forwarded, compressed or screenshotted, which is how most images reach you.
Never treat this feature as confirmation that an image or video is authentic. If someone is asking you for money, for help, or for personal information, the checks that settle it are the ones the feature tells you to do: hang up and call the person back on a number you already have saved, use a family code word, and contact your bank or the authorities directly. Lumio accepts no responsibility for any decision you make on the basis of this feature, including any financial loss.
Do not use this feature on photographs of identity documents, payment cards, or anything else showing personal details, whether yours or another person's.
You are responsible for keeping your password confidential and for everything done through your account. Tell us at applumio9@gmail.com if you believe someone else has access to it.
You may delete your account at any time from Settings, or by writing to applumio9@gmail.com. Deleting your account permanently removes your progress.
Some lessons and all tool courses require a paid subscription.
You agree not to:
You keep ownership of what you write and of the images you choose to check. By submitting them you give us a limited licence to process them for the sole purpose of providing the feature you asked for, including sending them to Anthropic as described in our Privacy Policy.
You confirm that you have the right to submit anything you submit, and that doing so does not infringe anyone's rights.
You agree to indemnify and hold harmless Lumio, its owner and anyone working with it, from any claim, demand, loss, liability or expense, including reasonable legal fees, arising from:
This does not apply to the extent the claim arises from our own gross negligence, wilful misconduct, or breach of these Terms.
To the fullest extent permitted by law, the App is provided "as is" and "as available", without warranty of any kind, express or implied. We expressly disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the App will be uninterrupted, secure, error free, or free of harmful components, that defects will be corrected, or that content or AI output will be accurate, complete, current or suitable for your purposes.
Some jurisdictions do not allow the exclusion of implied warranties. Where that is so, this section applies only as far as the law allows, and you may have warranty rights that these Terms cannot remove.
To the fullest extent permitted by law:
We are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data, goodwill or opportunity, arising out of or connected to your use of or inability to use the App, even if we were told such damages were possible.
Our total aggregate liability to you, for all claims combined, is limited to the greater of: (a) the amount you paid us in the twelve months before the event giving rise to the claim; or (b) fifty Canadian dollars (CAD $50).
What this section does not cover. Nothing here limits liability that cannot be limited by law, including liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for gross negligence or wilful misconduct, or under consumer protection legislation that applies to you and that cannot be contracted out of.
We may suspend or terminate your account at any time, with or without notice, if we reasonably believe you have breached these Terms, if required by law, or to protect the App or its users.
We may also discontinue the App or any feature. If we discontinue the App entirely while you hold a paid subscription, we will provide a pro rata refund for the unused portion where the app store's process allows it.
You may stop using the App at any time and delete your account from Settings.
Sections 7 through 10 and 12 survive termination.
These Terms are governed by the laws of the Province of Quebec and the laws of Canada applicable there, without regard to conflict of laws rules.
12.1 Talk to us first. Before starting any formal proceeding, please write to applumio9@gmail.com and give us 30 days to resolve the matter. Most problems are settled this way.
12.2 Courts. Subject to 12.3, any dispute will be resolved by the courts of Quebec, and you and we consent to their exclusive jurisdiction.
12.3 Arbitration and class waiver, where the law allows it. Where you are not a consumer whose local law prohibits it, any dispute not resolved under 12.1 shall be finally settled by binding arbitration before a single arbitrator, administered under the rules of the ADR Institute of Canada, seated in Quebec, in English or French. You and we each waive any right to participate in a class, collective or representative proceeding.
12.4 Where this does not apply. Subsections 12.2 and 12.3 do not apply where the law of your place of residence prohibits them. In particular, and without limiting that, consumers resident in Quebec, Ontario and other Canadian provinces whose consumer protection legislation prohibits mandatory arbitration or class action waivers keep their full right to bring or join a court proceeding, including a class action, and keep the right to bring proceedings before the courts of their own province. Nothing in these Terms removes a right that legislation gives you and that you cannot waive.
If any provision of these Terms is held invalid or unenforceable, that provision is severed and the rest remains in full force. If a limitation in section 9 or 10 is held unenforceable in whole, our liability is limited to the smallest amount permitted by applicable law.
You acknowledge that these Terms are between you and us, not with Apple or Google. Apple and Google are not responsible for the App or its content, and have no obligation to provide support or maintenance for it. Apple and its subsidiaries are third party beneficiaries of these Terms and may enforce them against you. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
We may update these Terms. We will post the updated version here with a new date, and where the change is significant we will tell you in the App or by email before it takes effect. Continuing to use the App after that means you accept the change.
The App is operated by Noé Papaulin, an individual resident in Quebec, Canada. There is no company; the operator contracts in a personal capacity.
For any question, or to have your account deleted: applumio9@gmail.com