Terms of Service

These terms govern your use of the Velia assistant, the Velia app and this website, provided by Hi Luma LLC (“Velia”, “we”, “us”). By using the service you accept them. If you disagree with anything below, do not use it.

They go together with the privacy policy, which forms part of this agreement.

Please read section 21 carefully. If you live in the United States, it requires most disputes to be resolved individually through binding arbitration rather than in court or as a class, and it explains how to opt out.

Contents

1. What Velia is
2. Who can use it
3. Your account and its members
4. The service is in pilot
5. Velia gets things wrong
6. What Velia does not do
7. Acting on your behalf
8. Messages to other people
9. Acceptable use
10. The accounts you connect
11. Your children’s data
12. The app, text messages and notifications
13. Availability and usage limits
14. Prices and payment
15. Content and intellectual property
16. Suspension and termination
17. Warranties
18. Liability
19. Indemnity
20. Changes to these terms
21. Disputes and arbitration
22. Governing law
23. General provisions
24. Contact

1. What Velia is

In short: a personal assistant that lives in your messaging app and acts in your accounts.

Velia talks to you over WhatsApp, Telegram or the Velia app and, with your authorisation, connects to accounts of yours to do what you ask: check and fill your calendar, read and answer email, record expenses, bring you what the school sent about your children, remind you of things and tell you about what you configured.

2. Who can use it

In short: people over 18.

The service is intended for people over 18 with capacity to enter into a contract. It is not for minors, and we do not provide it to anyone we know to be one.

If an account was created in your name without your authorisation, write to info@luma-agency.com and we will close it.

3. Your account and its members

In short: whoever creates the account answers for it and for who they invite.

An account can be individual, a couple, or a family. Whoever creates it is responsible for its use and for the people they invite. Members share certain data depending on the account’s settings, and each one talks to the assistant separately.

You are responsible for the security of the device and phone number you talk to Velia from: anyone with access to that conversation can instruct it as though they were you. If you lose that access, tell us immediately.

4. The service is in pilot

In short: this is a product under construction, and it shows.

Velia is currently provided as a pilot, to a limited number of households. That means features may change, appear or disappear; there may be interruptions; and we may suspend the service with reasonable notice. It is provided as is, with no guarantee that it fits any particular purpose.

Some features may be offered as experimental or early access. They are more likely to fail, may change without notice, and may be withdrawn. Use them knowing that.

5. Velia gets things wrong

In short: it is an AI system. Check anything that matters.

Velia runs on language models. Like all of them, it can misunderstand an instruction, get a fact wrong, or state something incorrect with confidence. We build guardrails so it cannot tell you it did something it did not do, but we cannot guarantee that everything it says is accurate.

This applies especially to:

• Reminders and alerts. We do not guarantee that a reminder will be delivered, or delivered at the exact time. Do not rely on it as the only mechanism for something whose forgetting has serious consequences — medication, a flight, a legal deadline.
• Calendar. It can create, move or misread an event. Check what it scheduled before relying on it.
• Transcriptions and summaries. Voice notes and summaries of email or conversations can contain errors. Verify before acting on them.
• School, bus or account data. Velia shows you what it read. If something matters, confirm it at the source.

Supervision is yours. Using Velia does not replace your own judgement.

6. What Velia does not do

In short: it does not pay, and it is not your doctor, lawyer or accountant.

It does not make payments and does not store payment methods. When there is something to pay, it hands you the link and you pay it yourself, on the provider’s site.

It does not give professional advice. Nothing Velia says constitutes medical, legal, tax, financial or psychological advice, and it does not replace a professional.

It is not an emergency or health service. Do not use it to diagnose, treat or manage a medical condition, or for an urgent situation of any kind. In an emergency, call your country’s emergency services. A chat assistant is not where someone’s health should be gambled.

7. Acting on your behalf

In short: you authorise Velia to act for you within what you ask. It shows you what it will do and waits for your yes. That yes is yours.

By connecting an account and giving an instruction, you authorise Velia to act on your behalf in that account, within the scope of what you asked: read, search, schedule, draft, and — with your confirmation — send or delete. Actions taken with your authorisation are yours, with their consequences, whether financial, legal or personal. Some of them, once done, cannot be undone.

Before performing an irreversible action or one directed at someone else — sending an email, writing to somebody, deleting something — the assistant shows you exactly what it would do and waits for your confirmation in a genuinely new message.

You are responsible for what you authorise. If you confirm sending an email, that email goes out in your name and on your responsibility, even if the assistant drafted it.

8. Messages to other people

In short: if Velia writes to someone for you, that message is yours.

Velia can send messages to people outside your account when you ask it to. When it does:

• It always identifies who the message is from.
• If the messages are recurring — a reminder you asked it to repeat to someone — every one of them includes how to stop them: replying STOP (or “baja”, “remove me”, “don’t message me again” and equivalent wordings, in Spanish or English). A one-off message, sent once, does not carry that line.
• That opt-out is permanent and cannot be reversed, by you or by us. Once requested, it stops every message your account would send that person: recurring ones, one-offs and outreach.
• There is a daily cap on messages to other people per account.

By asking Velia to write to someone, you represent that you have a legitimate reason to contact them and their consent where the law requires it. The WhatsApp line is shared across all users: misuse damages it for everyone, which is why we treat it strictly.

It is forbidden to use Velia for bulk messaging, unsolicited advertising, abusive debt collection, or any communication the recipient does not want.

9. Acceptable use

In short: personal, lawful and good-faith use.

You are granted a limited, personal, revocable and non-transferable licence to use Velia. You may not:

• Use it for unlawful activity or to harm anyone.
• Resell it, sublicense it, or provide the service to third parties as though it were yours.
• Impersonate another person.
• Attempt to extract credentials, other users’ data, or the system’s internal workings.
• Manipulate the assistant to bypass the confirmations, caps or restrictions in these terms.
• Automate access, reverse-engineer, or build a derivative product without our written permission.

10. The accounts you connect

In short: they are yours, with their own rules, and we do not answer for them.

Velia operates on third-party services (Google, Apple, Microsoft, WhatsApp, school portals, among others). You represent that you are authorised to connect every account you connect.

Their terms still apply to you, and we are not responsible for their availability, their changes, their decisions, or for them ceasing to work with Velia. If a provider changes its interface or cuts off access, the corresponding feature may stop being available, and that is not a breach by us.

You can revoke access at any time, from Velia or directly at the provider.

Velia may show you links to sites we do not control — a payment page, a school notice, a provider’s site. We are not responsible for their content or practices; visiting them is under their terms.

11. Your children’s data

In short: if you connect the school, you authorise it as their guardian.

If you connect the school portal, Velia will process data about your under-age children. In doing so you represent that you are their legal guardian and authorise that processing, and you undertake to inform whoever else should be informed given your family situation. The details are in the privacy policy.

12. The app, text messages and notifications

In short: the app signs you in with a code by SMS. We do not send you marketing texts.

Sign-in codes. To sign in to the Velia app, you give us your phone number and we text it a one-time code. By requesting it you agree to receive that message. We send one per sign-in attempt, and they are not marketing. Message and data rates from your carrier may apply; carriers are not liable for delayed or undelivered messages. Reply HELP for help or write to info@luma-agency.com; reply STOP to stop them, in which case you will not be able to sign in by SMS.

Notifications. If you allow it, the app sends you notifications with what you configured — reminders, alerts, replies. You can switch them off at any time in your phone’s settings.

App stores. If you download the app from the Apple App Store or Google Play, their terms also apply to that download. These terms are between you and us, not Apple or Google, who are not responsible for the app or its support. If you use an Apple device, Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you with respect to the app. The licence to use the app is limited to devices you own or control, as the store’s rules allow.

13. Availability and usage limits

In short: we do our best, we promise no continuity, and there are caps.

We work to keep the service continuously available, but we do not guarantee it will be free of interruptions or errors. We may suspend it temporarily for maintenance, security, or causes outside our control.

Each account has reasonable usage limits, including a monthly consumption cap and caps on messages to other people. If you exceed them we may temporarily limit the service; we will tell you before cutting anything off.

14. Prices and payment

In short: the pilot is free today. If that changes, we tell you first.

During the pilot, the service is provided at no cost unless we have agreed otherwise with you in writing.

When paid plans exist:

• We will tell you the price and the terms before you subscribe.
• Charges will be processed by a specialised payment provider; we neither see nor store your card details.
• If a plan renews automatically, we will say so clearly and you will be able to cancel before it renews.
• Prices may change with reasonable prior notice, and a change never applies to a period already paid for.
• Prices are in United States dollars, plus any taxes that apply where you are.
• You can cancel at any time; the cancellation takes effect at the end of the period already paid, and you keep the service until then.
• If a plan starts with a free trial, we will tell you when it ends and what it will cost, and you can cancel before then without being charged.
• Payments are not refundable, except where we say otherwise when you subscribe or where the law requires a refund.
• If you subscribe through an app store, that store handles the billing, and its refund rules apply.

15. Content and intellectual property

In short: yours stays yours. The software is ours.

The software, the Velia brand, the design and this site’s content are ours or our licensors’.

The content you provide remains yours. You authorise us to process it solely to provide the service, on the terms of the privacy policy. We do not use it to train models.

Aggregated data. We may use statistics about how the service is used that cannot reasonably be linked to you — to run it and improve it — as described in the privacy policy.

Suggestions. If you send us ideas or feedback about the product, we may use them freely and without compensation. Do not send anything you consider confidential through that channel.

16. Suspension and termination

In short: you leave whenever you want; we give notice before we do.

You. You may stop using the service and request deletion of your account at any time. When you do, we delete your data in accordance with the privacy policy.

Us. We may suspend or terminate your access if you breach these terms, if your use puts the service or other people at risk, or if the law requires it. Except in serious or urgent cases, we will tell you first and give you a chance to fix it.

If we discontinue the service as a whole, we will give reasonable notice and time to take your data with you.

If we terminate your account for a serious breach, you may not open a new one without our permission.

Sections 15, 17, 18, 19, 21, 22 and 23 survive termination.

17. Warranties

In short: the service is provided as is.

To the extent permitted by law, the service is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement.

We do not warrant that the service will be uninterrupted, secure or error-free, or that the results it produces will be accurate or reliable.

None of this limits the rights that the mandatory law of your country of residence gives you as a consumer.

18. Liability

In short: there is a cap, and it does not cover indirect damages.

To the extent permitted by law:

• We are not liable for indirect, incidental, special or punitive damages, or for lost profits, lost data or lost opportunity.
• Our total liability to you, on any cause of action, is limited to the greater of: what you paid for the service in the twelve months before the event giving rise to the claim, or one hundred United States dollars (USD 100).

These limitations do not apply to wilful misconduct or gross negligence, or to anything the law does not allow to be excluded.

19. Indemnity

You will hold us harmless against third-party claims arising from your breach of these terms, your misuse of the service, or messages you authorised us to send to people who did not want them.

20. Changes to these terms

We may change these terms. If a change is material, we will tell you through the same channel you use the assistant on at least thirty days in advance, and it takes effect on that date. If you disagree, you can close your account before it applies.

Minor changes — corrections, clarifications — are published here with their date.

21. Disputes and arbitration

In short: tell us first; if we cannot fix it, arbitration, one person at a time. You can opt out, and if your country’s law does not allow this clause, it does not apply to you.

Talk to us first. Before starting any claim, write to info@luma-agency.com with your name, your phone number and what you are asking for. We both commit to trying to resolve it in good faith for 30 days. Most problems end here.

Binding individual arbitration. If it is not resolved, any dispute arising from these terms or the service will be resolved by binding arbitration before JAMS, under its Streamlined Arbitration Rules and its Consumer Arbitration Minimum Standards, and governed by the Federal Arbitration Act. It will be conducted in English, by video call or at a location reasonably convenient to you. For claims below USD 10,000, we pay the arbitration fees beyond what you would pay to file in court, unless the arbitrator finds your claim frivolous.

No class actions. Claims are brought only individually, never as a plaintiff or class member in a class, collective or representative proceeding, and the arbitrator may not combine the claims of different people. Both of us waive the right to a jury trial.

Exceptions. Either of us may bring an individual claim in small claims court if it qualifies, and either of us may go to court to stop infringement or misuse of intellectual property.

How to opt out. You can reject this section by writing to info@luma-agency.com within 30 days of first accepting these terms, with your name, your phone number and a clear statement that you reject arbitration. Opting out does not affect anything else in these terms.

If you live outside the United States. This section applies only to the extent the mandatory law of your country allows it. Where that law prohibits pre-dispute arbitration agreements or class-action waivers in consumer contracts, they do not apply to you, and you may take your claim to the courts or authorities your law gives you.

If a later change to these terms modifies this section, it does not apply to a dispute we were already aware of before the change.

22. Governing law

These terms are governed by the laws of the State of Wyoming, United States, and by the Federal Arbitration Act, without regard to conflict-of-law rules. Any dispute that does not go to arbitration will be submitted to the competent state or federal courts of that state.

The above does not deprive you of the rights that the mandatory law of your country of residence gives you as a consumer, nor of the ability to go to your country’s authorities where that law allows it.

23. General provisions

Electronic communications. You agree that we may communicate with you through the channel you use Velia on, by email or in the app, and that notices, agreements and disclosures we provide that way satisfy any requirement that they be in writing.

Export and sanctions. You may not use the service from a country subject to comprehensive United States sanctions, nor if you appear on a US government list of prohibited or restricted parties.

Assignment. You may not transfer these terms without our written consent. We may transfer them as part of a merger, acquisition or sale of assets, and we will tell you.

Force majeure. We are not responsible for failures caused by events beyond our reasonable control — outages at our providers, network failures, natural disasters, acts of authority.

Severability and waiver. If a clause is found unenforceable, it is limited to the minimum necessary and the rest remain in force. Not enforcing a clause at a given moment does not mean we waive it.

Entire agreement. These terms, together with the privacy policy, are the entire agreement between you and us on the service, and replace any earlier understanding.

Language. These terms are published in Spanish and English, and both versions are equally valid. If they differ, the one more favourable to you applies.

California residents. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs can be reached at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.

24. Contact

info@luma-agency.com

Hi Luma LLC · Registered Agents Inc., 30 N Gould St Ste R, Sheridan, WY 82801