Draft for attorney review. Last updated: [PUBLICATION DATE]

Terms & Conditions — "21 Letters to Money"

A digital personal development program by Lumora Life × KILOS AI LLC

1. Who we are and who these Terms apply to

These Terms govern the purchase and use of "21 Letters to Money" (the "Program"), its bonuses, the Academy (academia.lumoralife.co), the session recordings, and the WhatsApp community.

By checking the acceptance box and completing your purchase, you accept these Terms and the Privacy Policy. If you don't agree, please don't buy or use the Program.

2. Requirements to buy

3. Nature of the Program: please read this carefully

  1. It is a personal development and reflection program. It consists of writing letters by hand, reflecting, doing symbolic rituals, and practicing gratitude and self-awareness exercises for 21 days.
  2. It is not financial, investment, tax, accounting, legal, psychological, psychiatric, or medical advice. Neither Cris nor the Company acts as your financial adviser, psychologist, physician, or attorney in connection with this Program, and neither offers investments, insurance, credit, or financial products within it.
  3. We do not guarantee results or income. We don't promise that you'll earn more money, pay off debt, get clients, or change your financial situation. Everyone is different, and results depend on personal and external factors we don't control. Testimonials are individual experiences and are not typical results.
  4. It does not replace professional care. If you are going through anxiety, intense grief, serious debt problems, or any health or legal situation, consult a qualified professional. If you are in emotional crisis, contact your local emergency services (in the US, call or text 988; in Mexico, Línea de la Vida: 800 911 2000).
  5. The rituals (candle, coin, incense, mantras, prayer) are optional and symbolic. Do them only if you feel comfortable. If you use fire or incense, do so carefully and at your own risk.
  6. You make your own money decisions. Don't stop paying obligations, take on debt, or invest based on this Program.

4. What each version includes

The exact content and the total price (including taxes, where applicable) are shown on the purchase page before you pay. Currently, the versions are:

VersionIncludes
Recorded Challenge21 video sessions, Daily Guide PDF, 21 mantra/declaration audios, Ritual Kit, access to the WhatsApp community, and the bonuses shown on the purchase page
CohortEverything in the Recorded Challenge + a group with set dates, daily check-ins, and the recordings of 3 group Zoom sessions with Cris (days 1, 11 and 21) with English subtitles. In the English edition, these sessions are held live in Spanish; English-speaking students receive the subtitled recordings, not live sessions in English.
VIPEverything in the Cohort + 2 one-on-one 45-minute sessions + a Personal Money Map (a reflective exercise, not advice) [PENDING: language of the 1:1 sessions]
Optional add-onsBlue Pen Workbook, The 21 Letters in audio and meditations, etc., are bought separately and shown before payment

Time-limited bonuses (for example, those that expire 72 hours after sign-up) say so visibly. We may improve, reorder, or replace content with other content of equivalent value.

5. Price, currency and payment

6. Guarantee and refund (7 days)

We offer the "Do your first 7 letters or we refund everything" guarantee: you can request a full refund within 7 calendar days of your purchase. The procedure and details are in the Refund Policy, which is part of these Terms. In short: you write to support@lumoralife.co, you don't need to give a reason, we refund 100% to the same payment method, and the account is deactivated.

If you are a consumer in the EU or the UK, your statutory right of withdrawal may apply under local law, and our 7-day guarantee is in addition to it wherever it favors you.

7. License: personal and non-transferable

When you pay, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Program content only for your own personal development, while your access is active.

You may not:

We may apply technical measures (watermarks, device and session limits). If we detect misuse, we may suspend or cancel your access without a refund and seek damages.

If you'd like to share the Program with someone, the best way is to recommend it; we may have an affiliate program [PENDING: confirm whether there will be affiliates].

8. Access to the Academy

9. Cohorts and group sessions

10. WhatsApp community: rules

Joining the community is voluntary and governed by these rules:

  1. Respect. No mockery, judgment, discrimination, harassment, insults, or hate speech.
  2. Confidentiality. What another student shares stays in the group. Don't take screenshots to post or spread other people's stories.
  3. No selling or spam. Don't offer products, services, investment schemes, cryptocurrencies, multi-level marketing opportunities, or commercial or affiliate links.
  4. No risky advice. Don't give investment, medical, or legal advice as if it were certain. Share your experience, not prescriptions.
  5. Protect your privacy. Don't share account numbers, bank details, passwords, or documents.
  6. No illegal, sexually explicit, violent, or misleading content.
  7. Your phone number is visible to other group members, depending on WhatsApp's settings. If you'd rather it weren't, let us know before joining.

Anyone who breaks the rules may be muted or removed from the community, without a refund. The Lumora Life team moderates the group and may remove messages. WhatsApp is a Meta service with its own terms. You can leave at any time.

11. Intellectual property

All Program content (videos, audios, texts, Daily Guide, Ritual Kit, model letters, mantras, declarations, meditations, designs, logos, and the "Lumora Life" and "21 Letters to Money" brands) belongs to Cristina Ouilhet, Lumora Life, or the Company, or is used under license, and is protected by copyright and trademark laws of Mexico, the US, and international treaties. [PENDING: define exact ownership between Cris and KILOS AI LLC in the co-production agreement.] These Terms don't transfer any rights to you except the license in section 7.

Your letters are yours. What you write by hand or in your workbook is yours and private. If you choose to share excerpts in the community or as a testimonial, you give us permission only within what you share and the consent you sign.

If you believe someone is infringing a copyright (including a DMCA notice), write to legal@lumoralife.co describing the content and your ownership.

12. Conduct and suspension

We may suspend or cancel your access, with prior notice when possible, if you: (a) breach these Terms, (b) share your account, (c) make fraudulent chargebacks or payment disputes, (d) harass other people or the team, or (e) use the Program for illegal purposes. In cases (a) to (e) there is no refund, unless the law says otherwise.

13. Testimonials and advertising

The testimonials we show are published with the written consent of the people who gave them, reflect personal experiences, were originally given in Spanish and translated, and do not guarantee you'll get the same. We never use income figures as a promise.

14. Communications

With your separate consent, we'll send you emails and, if you choose, text or WhatsApp messages about the Program (access, reminders, sessions) and, if you accept separately, promotions. You can unsubscribe at any time (reply STOP to texts; use the link in every email). Operational messages about your purchase (receipt, access, date changes) are needed to provide the service.

15. Limitation of liability

To the fullest extent permitted by applicable law:

  1. The Program is provided "as is," with the reasonable care of an educational and personal development service. We do not guarantee financial, emotional, or other results.
  2. The Company and Cris are not liable for financial, work, health, or personal decisions you make on your own, or for indirect losses, lost profits, or consequential damages.
  3. Our total liability to you for any claim related to the Program is limited to the amount you actually paid for it.
  4. This does not limit (a) the non-waivable rights your country's law gives you as a consumer (for example, US state consumer protection laws, EU or UK consumer law, or Mexico's Federal Consumer Protection Law), (b) liability for fraud or gross negligence, or (c) anything the law doesn't allow us to limit.

16. Governing law and dispute resolution

  1. First, let's talk. Before any action, write to support@lumoralife.co or legal@lumoralife.co with your complaint. We commit to responding within 10 business days and to seeking a solution in good faith.
  2. Consumers: you keep the mandatory consumer rights of your country or state of residence and, where the law requires it, the jurisdiction of your local courts. You may also contact your consumer protection authority (in the US, the FTC or your state attorney general; in Mexico, PROFECO).
  3. For everything else (and where your local law allows), these Terms are governed by the laws of the State of Wyoming, USA, excluding its conflict-of-laws rules. If a dispute isn't resolved within 30 days of negotiation, it goes to mediation and, failing that, to the courts of the State of Wyoming. [REVIEW WITH ATTORNEY: alternative of virtual arbitration (ICC/ICDR) in English or Spanish to reduce costs for both sides.]
  4. Class actions: where the law allows, claims are brought individually. This doesn't prevent you from going to a consumer authority or bringing a class action where your local law doesn't allow you to waive it.
  5. If any clause is held invalid, the rest remains in effect.

17. Changes to these Terms

We may update these Terms. Changes apply going forward and don't affect what you already bought on terms less favorable to you. We'll publish the new version with its date and, if the change is significant, let you know by email. The version in force when you bought is kept and available on request.

18. Contact

By purchasing, you confirm that you have read and accepted these Terms, the Refund Policy, and the Privacy Policy.