LAST UPDATED: 01 JULY 2026 · EFFECTIVE IMMEDIATELY · v3.2

1 · Acceptance of Terms

These Terms of Service (“Terms”) form a legally binding agreement between you and Lunji Trading (“Lunji Trading”, “we”, “us”, or “our”), governing your access to and use of the website at lunjitrading.com (the “Website”) and any mobile, desktop, web, or other software applications published by Lunji Trading (collectively, the “Apps”), including any content, functionality, features, and services offered on or through the Website or the Apps.

By creating an account, downloading, installing, accessing, or otherwise using the Website or any of the Apps, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, you must not access or use the Website or the Apps.

These Terms apply to all visitors, users, and others who access or use the Website or the Apps (“Users” or “you”).

2 · Definitions

  • “Apps” means all software applications published by Lunji Trading, including but not limited to FlowScript, VaultWorth, PostureLog, DeedLock, Inkeep, Cadence, and any future applications.
  • “App Store” means the Apple App Store, Google Play Store, Huawei AppGallery, Samsung Galaxy Store, Amazon Appstore, Mac App Store, or any successor or alternative distribution platform.
  • “Content” means all text, graphics, images, music, software, audio, video, information, data, and other materials available through the Website or Apps.
  • “Subscription” means a recurring paid plan purchased via an in-app purchase that unlocks additional features or content within an App.
  • “User Content” means any content you create, upload, store, or transmit through the Apps.
  • “Free Tier” means the free, ad-supported version of an App.
  • “Premium Tier” means the paid version of an App, either via one-time purchase or Subscription.

3 · Eligibility & Age Requirements

To use the Website and the Apps, you must:

  • Be at least the age of digital consent in your jurisdiction (13 years in most jurisdictions; 14 in Italy, Spain, South Korea for certain processing; 16 in France, Germany, Netherlands for certain processing; 18 in Thailand).
  • Have the legal capacity and authority to enter into these Terms.
  • Not be barred from using the Apps under any applicable law.
  • If you are using the Apps on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

Where an App is specifically categorised in the App Store as “Kids Category” or “Designed for Families”, additional age verification and parental consent requirements apply. See our Privacy Policy §13 for full details.

We do not knowingly collect personal data from users under the applicable age threshold. If we learn that we have, we will delete the data as soon as possible. Parents who believe their child has provided us with personal data may contact us at contact@lunjitrading.com.

4 · Account & Registration

Some of our Apps allow or require account creation. When creating an account, you agree to:

  • Provide accurate, current, and complete information.
  • Maintain and promptly update your information to keep it accurate.
  • Maintain the security of your account credentials.
  • Accept responsibility for all activities that occur under your account.
  • Notify us immediately of any unauthorised use of your account.

Where supported, we may offer anonymous or device-local accounts that do not require email or personal information. You may delete your account at any time via the App’s settings panel or by contacting contact@lunjitrading.com.

We reserve the right to suspend, terminate, or refuse accounts that violate these Terms or that have been inactive for an extended period.

5 · Licence & Acceptable Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to:

  • Download, install, and use the Apps on devices that you own or control, for your personal, non-commercial use (or for the internal business use of the organisation you represent).
  • Access and use the Website for your personal, non-commercial use.

You may not, and may not permit any third party to:

  • Modify, adapt, translate, reverse engineer, decompile, or disassemble the Website or Apps, except to the extent that such activity is expressly permitted by applicable law.
  • Remove or alter any proprietary notices or labels.
  • Rent, lease, sublicense, distribute, or otherwise transfer the Apps to any third party.
  • Use the Apps to provide commercial services to third parties (unless expressly licensed).
  • Use the Apps in any manner that violates applicable law.
  • Interfere with or disrupt the integrity or performance of the Apps.

Beta, preview, or TestFlight builds are licensed for testing only and may contain bugs or unfinished features. They are provided “as is” without warranty.

6 · Intellectual Property

All Content available through the Website and Apps, including but not limited to designs, text, graphics, images, video, audio, software, code, algorithms, trademarks, logos, and the compilation thereof, is the property of Lunji Trading, its licensors, or other providers and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

The Lunji Trading name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Lunji Trading or its affiliates. You may not use such marks without the prior written permission of Lunji Trading. All other trademarks not owned by Lunji Trading that appear in the Apps are the property of their respective owners.

Subject to your compliance with these Terms, we grant you a limited licence to use the Apps as set out in §5. No other rights are granted. All rights not expressly granted are reserved by Lunji Trading.

If you believe that any Content infringes your copyright, please contact us at contact@lunjitrading.com with the subject “DMCA Notice” or “Copyright Claim”, including the information required by 17 U.S.C. §512(c).

7 · User-Generated Content

Our Apps may allow you to create, upload, store, or transmit User Content. You retain all rights you already hold in your User Content. By submitting User Content, you grant Lunji Trading a worldwide, non-exclusive, royalty-free, sublicensable, and transferable licence to host, store, process, transmit, display, and reproduce your User Content solely for the purpose of operating, developing, and improving the Apps.

This licence terminates when you delete the relevant User Content or your account, except to the extent the User Content has been shared with others who have not deleted it, or to the extent we are required to retain it for legal, security, or operational reasons.

You represent and warrant that you own or have the necessary rights to your User Content, and that your User Content does not infringe any third party’s intellectual property rights, violate any law, or contain harmful content.

By default, all User Content is stored locally on your device. Where cloud synchronisation is offered, it is end-to-end encrypted with keys held on your devices only. We cannot read your User Content and do not access it except as technically necessary to provide the synchronisation service or as required by valid legal process.

8 · Subscriptions & In-App Purchases

Some of our Apps offer Subscriptions and one-time in-app purchases (“IAP”) that unlock additional features or content. By purchasing a Subscription or IAP, you agree to the following:

  • Payment is processed by the relevant App Store (Apple App Store, Google Play, etc.). All transactions are subject to the App Store’s terms and refund policies.
  • Pricing is displayed in the App before purchase and may vary by region and currency.
  • Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current billing period.
  • Your App Store account will be charged for renewal within 24 hours prior to the end of the current period.
  • You can manage Subscriptions and turn off auto-renewal in your App Store account settings.
  • If a free trial is offered, you will be charged the subscription price at the end of the trial period unless you cancel before the trial ends.

Family Sharing (Apple) and Family Library (Google) eligibility is determined by the App Store, not by Lunji Trading. Some Subscriptions may not be eligible for sharing.

9 · Billing, Renewals & Price Changes

By providing a valid payment method, you authorise us (via the App Store) to charge your payment method for all fees and taxes due.

  • Billing cycles: Subscriptions are billed in advance for the chosen period (monthly, annually, etc.).
  • Failed payments: If a payment fails, the App Store may retry or suspend your Subscription. We may downgrade your account to the Free Tier until payment is resolved.
  • Price changes: We may change Subscription prices from time to time. We will provide reasonable advance notice via in-App notification and / or email. Price changes apply at the start of the next billing period after the notice. Continued use of the Subscription after the change indicates acceptance.
  • Taxes: Prices may include or exclude VAT, GST, sales tax, or other applicable taxes depending on your jurisdiction.
  • Currency: Prices are displayed in your local currency as per the App Store’s regional settings.

10 · Refund Policy

All purchases made through the Apple App Store, Google Play Store, or other App Stores are subject to the App Store’s refund policy. Lunji Trading does not directly process refunds.

To request a refund, you should:

  • Apple App Store: Visit support.apple.com and follow the “Request a refund” instructions, or contact Apple Support directly.
  • Google Play: Visit support.google.com/googleplay and follow the refund instructions.
  • Other App Stores: Refer to the relevant platform’s refund policy.

In exceptional circumstances (e.g., demonstrable App malfunction preventing reasonable use), Lunji Trading may, at its sole discretion, issue a goodwill refund or a complimentary Subscription extension. Such requests should be sent to support@lunjitrading.com with your order receipt and a clear description of the issue.

For EU users, the EU Consumer Rights Directive (2011/83/EU) provides a 14-day right of withdrawal for digital content not delivered on a physical medium, subject to exceptions including where the user has expressly consented to immediate performance and acknowledged the loss of the withdrawal right.

For UK users, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provide similar rights.

11 · Advertising in Apps

Our Apps may display advertising through third-party advertising platforms. Where present, advertising is a core part of the Free Tier experience and supports our ability to keep the Apps accessible.

11.1 · Advertising Consent

On iOS 14.5 and later, any tracking activity (as defined by Apple) is preceded by the App Tracking Transparency (ATT) prompt, and only proceeds with your explicit consent. On Android, advertising personalisation requires equivalent consent under Google’s EU User Consent Policy. You can withdraw consent at any time via your device settings.

11.2 · Advertising Platforms

The advertising platforms integrated into our Apps include, without limitation: Google AdMob, Google AdSense, Google Ad Manager, Meta Audience Network, Unity Ads, AppLovin MAX, Vungle, ironSource, Chartboost, Tapjoy, InMobi, Pangle (ByteDance), Mintegral, AdColony, MoPub/Xandr, Amazon Publisher Services, Smaato, Verizon Media, BidMachine, Ogury, DT Exchange, Liftoff Monetize, Moloco, Yandex Ads, Tencent Ads, Start.io, Wortise, and other ad networks and mediation platforms. A complete and current list is maintained in our Privacy Policy §7.1.

11.3 · Behavioural vs Contextual Advertising

Where you have consented, advertising may be personalised (behavioural). Where you have not consented, only contextual advertising is displayed. Contextual advertising uses the content of the screen, not your personal profile, to determine ad relevance.

11.4 · Children-Directed Advertising

Behavioural advertising is never served to users under the age of digital consent in their jurisdiction (typically 13, see §3). Apps categorised as child-directed serve only contextual, non-personalised advertising or no advertising at all.

11.5 · Sensitive Categories

Advertising partners are configured to exclude sensitive categories (health conditions, religion, political affiliation, sexual orientation, etc.) from targeting parameters.

11.6 · Sponsored Content

Any sponsored content within an App is clearly labelled “Sponsored”, “Promoted”, “Advertisement”, or equivalent. We do not allow sponsored content to masquerade as editorial.

12 · Ad Formats Behaviour & Controls

12.1 · Banner Ads

Banner ads are fixed-size or adaptive rectangular units displayed at the top or bottom of a screen. They load asynchronously and can be dismissed by closing the containing screen or navigating away. Banner ads do not interrupt user flow.

12.2 · Interstitial Ads

Interstitial ads are full-screen units presented at natural transition points between screens or content sections. They are clearly labelled “Advertisement”, include a countdown timer before the close button becomes active, and never appear back-to-back. Frequency caps are enforced.

12.3 · Rewarded Video Ads

Rewarded video ads are opt-in — the user chooses to watch in exchange for an in-App reward (feature unlock, bonus content, virtual currency). The reward is contingent on completion of the video. The reward, watch duration, and ad provider are disclosed before the user opts in.

12.4 · Native Ads

Native ads match the visual style of the surrounding content but are always labelled with a visible “Ad” or “Sponsored” badge. We use native ads sparingly to avoid deceiving the user.

12.5 · App-Open Ads

App-Open ads appear when the user re-opens the App after backgrounding it. They include a visible close button and never block core functionality for more than a few seconds.

12.6 · MREC & Other Formats

Other formats such as MREC (300×250 medium rectangle) are used within clearly demarcated in-feed sections.

12.7 · User Controls

You can control personalised advertising via:

  • iOS: Settings → Privacy & Security → Tracking → toggle “Allow Apps to Request to Track”.
  • Android: Settings → Privacy → Ads → “Opt out of Ads Personalisation”.
  • In-App: Each App’s settings panel exposes privacy controls and ad preferences.
  • Reset ID: Reset your advertising identifier via your device settings to disassociate past activity from future activity.

13 · App Store Specific Terms

13.1 · Apple App Store

The Apps are licensed, not sold, to you. Your licence to use each App is subject to your compliance with these Terms and the Apple Media Services Terms and Conditions (available at apple.com/legal/internet-services/itunes/). You acknowledge that Apple has no obligation to provide maintenance or support for the Apps. In the event of any failure of an App to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation.

Apple is not responsible for any claims relating to the Apps or your use of them, including product liability, legal compliance, or intellectual property infringement claims.

13.2 · Google Play Store

The Apps are provided by Lunji Trading. Google Play is a service provided by Google LLC. Your use of Google Play is subject to the Google Play Terms of Service. Lunji Trading, not Google, is solely responsible for the Apps, the content thereof, and any claims relating thereto.

13.3 · Other App Stores

Where our Apps are distributed through alternative channels (Huawei AppGallery, Samsung Galaxy Store, Amazon Appstore, Mac App Store, etc.), the relevant platform’s terms of service apply in addition to these Terms.

14 · Country-Specific Terms

14.1 · United States

These Terms are governed by the laws of the State of California (excluding its conflict of laws principles). For users in the United States, additional rights under state-specific privacy laws (CCPA/CPRA, CPA, VCDPA, CTDPA, UCPA, TDPSA, OCPA) apply as set out in our Privacy Policy §11.

14.2 · European Union & United Kingdom

Consumers in the EU and UK retain all mandatory rights granted by their national consumer protection laws. Nothing in these Terms limits such rights. The EU Online Dispute Resolution platform is available at ec.europa.eu/consumers/odr.

14.3 · Canada

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

14.4 · Australia

These Terms are governed by the laws of New South Wales, Australia. Nothing in these Terms excludes, restricts, or modifies any right or remedy you may have under the Australian Consumer Law or any other applicable law that cannot be excluded, restricted, or modified.

14.5 · Brazil

These Terms are governed by the laws of Brazil. Consumers retain all rights under the Brazilian Consumer Defense Code (Código de Defesa do Consumidor).

14.6 · Japan

These Terms are governed by the laws of Japan. Consumers retain all rights under the Japanese Consumer Contract Act and the Act on Specified Commercial Transactions.

14.7 · South Korea

These Terms are governed by the laws of South Korea. Consumers retain all rights under the Korean Consumer Protection Act and the Act on the Regulation of Terms and Conditions.

14.8 · Mainland China

Where Apps are distributed in Mainland China via Huawei AppGallery, Xiaomi GetApps, Tencent App Center, or similar platforms, these Terms are supplemented by the relevant platform’s terms and the provisions of the PRC E-Commerce Law, the PIPL, and the Cybersecurity Law.

14.9 · Other Regions

For users in regions not specifically enumerated, these Terms are governed by the laws of England and Wales, without regard to conflict of laws principles. Mandatory consumer protection laws of your jurisdiction apply in addition.

15 · Third-Party Services & Links

The Website and Apps may contain links to third-party websites or services that are not owned or controlled by Lunji Trading. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not endorse or make any representations about third-party websites, services, or any information, products, or materials found on them.

Your interactions with third-party services are solely between you and the third party. We encourage you to review the terms and privacy policies of any third-party websites you visit.

16 · Prohibited Conduct

You agree not to use the Website or Apps to:

  • Violate any applicable local, state, national, or international law or regulation.
  • Exploit, harm, or attempt to exploit or harm minors in any way.
  • Send, knowingly receive, upload, download, use, or re-use any material that does not comply with our content standards.
  • Transmit any advertising or promotional material, including any “junk mail”, “chain letter”, “spam”, or any other similar solicitation.
  • Impersonate or attempt to impersonate Lunji Trading, a Lunji Trading employee, another user, or any other person or entity.
  • Engage in any activity that interferes with or disrupts the Website or Apps (or the servers and networks connected to them).
  • Use the Website or Apps in any way that could disable, overburden, damage, or impair them.
  • Use any robot, spider, or other automatic device, process, or means to access the Website or Apps for any purpose without our prior written consent.
  • Introduce any viruses, trojan horses, worms, logic bombs, or other harmful material.
  • Attempt to gain unauthorised access to, interfere with, damage, or disrupt any parts of the Website or Apps or the servers on which they are stored.
  • Attack the Website or Apps via a denial-of-service attack or a distributed denial-of-service attack.
  • Use the Apps to develop competing products or to reverse-engineer our proprietary algorithms.

17 · Termination & Suspension

We may terminate or suspend your account and access to the Website or Apps immediately, without prior notice or liability, for any reason, including but not limited to:

  • Breach of these Terms.
  • Request by law enforcement or other government agency.
  • Unexpected technical or security issues.
  • Extended periods of inactivity.
  • Non-payment of fees (where applicable).

You may terminate these Terms at any time by discontinuing use of the Website and Apps, uninstalling the Apps, and (if applicable) deleting your account via the App’s settings panel.

Upon termination:

  • Your right to use the Website and Apps ceases immediately.
  • We may delete your account and User Content in accordance with our data retention practices.
  • Provisions of these Terms which by their nature should survive termination shall survive.

18 · Disclaimers & Warranties

The Website and Apps are provided on an “as is” and “as available” basis, without any warranties of any kind, express or implied, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, non-infringement, or quiet enjoyment.
  • Warranties that the Website or Apps will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
  • Warranties as to the accuracy, reliability, timeliness, or completeness of any Content.
  • Warranties that defects will be corrected or that the Website or Apps or the servers that make them available are free of viruses or other harmful components.

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the exclusions above apply to the maximum extent permitted by applicable law.

Nothing in these Terms is intended to exclude or limit warranties that cannot be excluded or limited under applicable consumer protection law.

19 · Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Lunji Trading, its affiliates, directors, employees, partners, agents, suppliers, or licensors be liable for any:

  • Indirect, incidental, special, consequential, or punitive damages.
  • Loss of profits, revenue, data, use, goodwill, or other intangible losses.
  • Damages resulting from (a) your access to or use of (or inability to access or use) the Website or Apps; (b) any conduct or content of any third party on the Website or Apps; (c) any content obtained from the Website or Apps; or (d) unauthorised access, use, or alteration of your transmissions or content.

In no event shall Lunji Trading’s total aggregate liability for all claims relating to the Website or Apps exceed the greater of (a) the amount you have paid to Lunji Trading in the twelve (12) months preceding the claim, or (b) one hundred pounds sterling (£100).

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

20 · Indemnification

You agree to defend, indemnify, and hold harmless Lunji Trading, its affiliates, and their respective directors, officers, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from:

  • Your access to or use of the Website or Apps.
  • Your violation of these Terms.
  • Your violation of any third-party right, including intellectual property or privacy rights.
  • Any claim that your User Content caused damage to a third party.

21 · Changes to the Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

  • Update the “Last Updated” date at the top of these Terms.
  • For material changes, notify you via in-App notification and / or email at least 30 days before the changes take effect.
  • Where required by law, seek your renewed consent.

Your continued use of the Website or Apps after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, please discontinue use and uninstall the Apps.

22 · Governing Law & Jurisdiction

Subject to §14 (Country-Specific Terms) and §23 (Dispute Resolution), these Terms are governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, save that consumers in the EU, UK, and other jurisdictions may also bring proceedings in the courts of their place of residence.

23 · Dispute Resolution

23.1 · Informal Resolution

If you have a dispute with us, please first contact us at contact@lunjitrading.com and attempt to resolve the dispute informally. We will try to resolve the dispute by contacting you via email. If a dispute is not resolved within 30 days of submission, you or Lunji Trading may pursue formal resolution.

23.2 · Mediation

Before initiating any court proceedings (other than for injunctive relief), the parties agree to attempt to resolve any dispute through good-faith mediation administered by a mutually agreed mediator.

23.3 · EU Online Dispute Resolution

For consumers in the European Union, the European Commission provides an Online Dispute Resolution platform accessible at ec.europa.eu/consumers/odr.

23.4 · Consumer Rights

Nothing in this section limits your right as a consumer to bring proceedings in the courts of your place of residence, or to seek redress through any applicable consumer protection scheme.

24 · Miscellaneous

24.1 · Entire Agreement

These Terms, together with the Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between you and Lunji Trading regarding the Website and Apps.

24.2 · Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, such provision shall be severed. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions.

24.3 · Waiver

No waiver by Lunji Trading of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition, or a waiver of any other term or condition. Any failure of Lunji Trading to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

24.4 · Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may assign, transfer, or delegate our rights and obligations without restriction.

24.5 · Force Majeure

Lunji Trading shall not be liable for any failure or delay in performance under these Terms due to causes beyond its reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network or power failures, strikes, or shortages of transportation, facilities, fuel, energy, labour, or materials.

24.6 · Notices

Notices to you may be made via email, in-App notification, or postal mail to the address you provided. Notices to Lunji Trading must be sent to contact@lunjitrading.com or to the studio address set out in our Privacy Policy.

24.7 · Headings

Section headings are for convenience only and have no legal effect.

24.8 · Language

The original language of these Terms is English. Any translated version is provided for convenience only. In case of any discrepancy, the English version prevails.

25 · Contact

If you have any questions about these Terms, please contact us:

Lunji Trading
University of Stirling Innovation Park
Stirling, Scotland, United Kingdom
Email: contact@lunjitrading.com
Support: support@lunjitrading.com

We aim to respond to all enquiries within 48 business hours.

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