⚠️ DRAFT — PENDING COUNSEL REVIEW. This document is a working draft prepared to accelerate qualified legal review. It is not legal advice, is not final, and must not be published, relied upon, or presented to any User until reviewed, revised, and approved by licensed counsel in each jurisdiction in which Lumora Luxe operates. Bracketed items (e.g., [EFFECTIVE DATE], [STATE]) are placeholders for counsel to complete. All capitalized defined terms, liability caps, arbitration mechanics, and jurisdictional elections are subject to counsel's revision.

Lumora Luxe — Terms of Service

Effective Date: [EFFECTIVE DATE] Last Updated: [EFFECTIVE DATE]

1. Agreement to These Terms

These Terms of Service (the "Terms") form a binding legal agreement between you and Lumora Luxe (the "Company," "Lumora Luxe," "we," "us," or "our") governing your access to and use of our websites, mobile experiences, applications, invitations, and all related features, content, and services (collectively, the "Platform").

Read these Terms carefully before using the Platform. By creating an account, accepting an invitation, booking or offering a service, clicking "I agree" (or a similar control), or otherwise accessing or using any part of the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not access or use the Platform.

These Terms contain provisions that materially affect your rights, including a disclaimer of warranties (Section 15), a limitation of liability (Section 17), an indemnification obligation (Section 18), and a binding individual arbitration agreement and class-action waiver (Section 20). Please review them closely.

If you are entering into these Terms on behalf of a company, entity, or other organization, you represent that you have the authority to bind that entity, and "you" refers to that entity.

2. Definitions

For clarity, the following terms have the meanings set out below:

• "Member" means an individual who accesses the Platform to discover, request, book, or receive Services.
• "Professional" means an independent, licensed non-medical beauty or wellness practitioner who lists, offers, or performs Services through the Platform. Professionals are independent contractors and are not employees, agents, partners, or representatives of the Company.
• "User," "you," or "your" means any person who accesses or uses the Platform, including Members and Professionals.
• "Services" means the non-medical beauty and wellness services offered and performed by Professionals — including, without limitation, lash, brow, makeup, esthetics/skincare, hair, and massage services — delivered on a mobile basis (at a Member's home, hotel, office, or other agreed location) or at a Professional's or third party's premises ("in-office").
• "Platform Services" means the technology, discovery, matching, scheduling, communication, and payment-facilitation functions that the Company makes available. The Platform Services do not include the performance of any Service.
• "Booking" means a confirmed appointment for Services arranged through the Platform.
• "Deposit" means an amount authorized or captured at the time of a Booking as described in Section 9.
• "Content" means any text, photographs, images, reviews, ratings, messages, profile information, or other material submitted to, or made available through, the Platform.
• "Waiver" means the Assumption of Risk, Release, and Waiver of Liability applicable to Services, as presented to and accepted by Members in connection with a Booking, and incorporated by reference under Section 16.

3. Eligibility

The Platform is offered on a by-invitation basis and is intended solely for adults. To access or use the Platform, you must:

1. Be at least eighteen (18) years of age, or the age of legal majority in your jurisdiction if higher;
2. Have the legal capacity to enter into a binding contract and not be barred from doing so under any applicable law;
3. Not have been previously suspended or removed from the Platform; and
4. If a Professional, hold and maintain all licenses, permits, registrations, and insurance required to lawfully perform the Services you offer, in each location where you offer them.

The Platform is not directed to, and may not be used by, anyone under 18. We do not knowingly collect information from minors. Services must not be requested for, or performed on, any person under 18 except where expressly permitted by us in writing, by applicable law, and with the verified consent of a parent or legal guardian who assumes full responsibility.

4. Accounts and Security

To access most features, you must register for an account and provide accurate, current, and complete information. You agree to keep your information up to date. You are responsible for:

• Maintaining the confidentiality of your login credentials;
• All activity that occurs under your account, whether or not authorized by you; and
• Notifying us promptly at [trust@lumora.luxe] of any suspected unauthorized access or security breach.

You may not share, sell, transfer, or license your account, impersonate any person or entity, create an account using another person's identity, or maintain more than one account without our written permission. We may refuse, suspend, or revoke access to any account at our discretion, including where required to protect the safety or integrity of the Platform, our Users, or the Company. Access to the Platform may also be governed by the terms of an invitation, and invitations are personal, non-transferable, and revocable.

5. The Company's Role — Technology Platform and Payment Facilitator Only

This Section is fundamental to your use of the Platform. Please read it carefully.

Lumora Luxe operates a technology platform and online marketplace that helps Members discover, communicate with, and book independent Professionals, and that facilitates related payments. The Company is a neutral intermediary and technology facilitator. We are not a beauty, wellness, spa, salon, or medical services provider, and we do not perform, and are not responsible for performing, any Service.

Specifically, and without limitation:

1. We do not provide the Services. All Services are performed by independent Professionals in their own name and on their own behalf. The Company does not perform, supervise, direct, control, evaluate, or guarantee any Service, and exercises no professional judgment over any Service.

2. We are not a party to the service relationship. The contract for any Service is formed directly and exclusively between the Member and the Professional. The Company is not a party to that contract and assumes no responsibility or liability arising from it.

3. No employment or agency. Professionals are independent contractors. Nothing in these Terms or in the operation of the Platform creates an employment, agency, partnership, joint venture, or franchise relationship between the Company and any Professional or Member. Professionals set their own services, pricing, availability, methods, standards, and locations.

4. No endorsement or verification guarantee. While we may operate Trust & Safety processes — including invitation, screening, attestation, and reporting mechanisms — the presence of a Professional on the Platform is not a certification, guarantee, endorsement, or warranty by the Company of that Professional's identity, licensure, insurance, skill, qualifications, quality of work, or the safety, legality, or suitability of any Service. You are responsible for exercising your own judgment before engaging any Professional or accepting any Booking.

5. Non-medical scope. The Platform is designed for non-medical beauty and wellness Services only. Professionals must not offer, and Members must not request, any service that constitutes the practice of medicine or nursing, requires a medical license, or involves prescription products, injectables, infusions, or other medical procedures. Any future medical verticals are not active and will not be available until and unless the Company launches a separate, distinct medical-compliance program under separate terms and required regulatory safeguards. Nothing on the Platform is medical advice, diagnosis, or treatment.

6. Independent decisions. Decisions about whether to accept a Booking, provide a Service, disclose information, or proceed with any appointment rest solely with the Member and the Professional.

6. Member Responsibilities

As a Member, you agree to:

1. Provide accurate information when creating an account and requesting Services, including a safe and accurate service location for mobile Bookings;
2. Disclose to the Professional, in advance, any allergies, sensitivities, conditions, or circumstances relevant to the safety or suitability of a Service, and follow the Professional's reasonable instructions and any aftercare guidance;
3. Understand that Professionals are independent and that the Company does not warrant their work (see Sections 5, 15, and 16);
4. Provide a safe, lawful, and appropriate environment for any mobile Service, and treat Professionals with respect and professionalism (see the Community & Acceptable Use Standards, incorporated by reference);
5. Pay all applicable amounts, including Deposits, Service fees, platform fees, taxes, and any lawful cancellation or no-show charges, through the Platform's payment system;
6. Not circumvent the Platform's payment system or solicit or arrange off-Platform payment for Services first discovered or arranged through the Platform (see Section 10); and
7. Complete any Waiver, consent, intake, or acknowledgment required in connection with a Booking.

7. Professional Responsibilities

As a Professional, you represent, warrant, and agree, on a continuing basis, that:

1. Licensure and legality. You hold, and will maintain in good standing, all licenses, certifications, permits, and registrations required to lawfully offer and perform each Service you list, in each jurisdiction and location where you offer or perform it, and you will perform Services only within your lawful scope of practice.

2. Insurance. You maintain, at your own expense, professional liability and any other insurance appropriate to your Services and required by law, and you will provide proof upon our reasonable request.

3. Independent operation. You operate as an independent business. You determine your own methods, tools, products, pricing (subject to the fee structure disclosed on the Platform), availability, and standards, and you are solely responsible for your work.

4. Compliance. You will comply with all applicable laws, regulations, and professional, sanitation, and health-and-safety standards, including licensing-board rules, local permitting, and tax obligations. You are solely responsible for reporting and remitting your own taxes.

5. Accuracy. All information in your profile and listings — including credentials, experience, services, and pricing — is truthful, current, and not misleading.

6. Standards of conduct. You will perform Services professionally, safely, hygienically, and consistent with the Community & Acceptable Use Standards, and you will maintain the boundaries and safety expectations described therein, particularly for mobile Services performed in a Member's home, hotel, or private space.

7. Non-medical scope. You will not offer or perform any medical service or any service outside the non-medical scope described in Section 5.

8. Consent to attestation and screening. You consent to the Company's Trust & Safety processes and agree to cooperate with reasonable requests for verification, documentation, and investigation.

The Company does not assume any of the Professional's obligations, and the Professional remains solely responsible for the Services.

8. Communications and the Concierge

The Platform may facilitate communications between Members and Professionals and may offer concierge assistance to help coordinate Bookings. Concierge assistance is a convenience and coordination function only; it does not make the Company a party to any Service, does not constitute professional or medical advice, and does not shift responsibility for the Services away from the Professional. Messages sent through the Platform may be transmitted, stored, and reviewed consistent with our Privacy Policy and applicable law, including for safety, quality, and compliance purposes.

9. Bookings, Deposits, Cancellations, No-Shows, and Refunds

9.1 Booking and confirmation. A Booking is a request for Services that becomes confirmed when accepted through the Platform. Pricing, Deposit amounts, fees, service location, and cancellation terms applicable to a Booking are disclosed at or before the time of Booking.

9.2 Deposits. To reserve an appointment, a Deposit may be authorized or captured through our third-party payment processor (Stripe) at the time of Booking. By confirming a Booking, you authorize the applicable Deposit, Service charges, taxes, and platform fees, and any lawful cancellation or no-show charges, to be processed through the payment method on file. Deposits may be applied toward the total price of the Service, held to secure the appointment, or forfeited as described below and as disclosed at Booking.

9.3 Cancellation windows. Each Booking is subject to a cancellation policy disclosed at the time of Booking. As a general framework, and subject to the specific terms shown to you:

• Cancellation outside the applicable cancellation window — the Deposit may be refunded or released, or applied to a rescheduled appointment, as disclosed.
• Cancellation inside the applicable cancellation window (a "late cancellation") — some or all of the Deposit may be forfeited to compensate the Professional for reserved time.
• No-show — if a Member is not present or reasonably reachable at the confirmed time and location, or if a mobile Service cannot be safely performed for reasons attributable to the Member, the appointment may be treated as a no-show and the Deposit (and any disclosed no-show fee) may be forfeited.

9.4 Professional cancellations. If a Professional cancels a confirmed Booking or fails to appear, the Member's Deposit for that Booking will be refunded or released, and we may assist the Member in rebooking. Repeated cancellations by a Professional may result in enforcement action under Section 19.

9.5 Refunds. Because Services are performed by independent Professionals, the Company does not itself provide, guarantee, or perform the Services and is not the merchant of the underlying Service. Refund eligibility depends on the applicable cancellation policy, the circumstances of the Booking, and applicable law. Where a refund is due, it is processed to the original payment method through Stripe and may take time to appear depending on your financial institution. Disputes about the quality or performance of a Service are between the Member and the Professional; we may, at our discretion, assist in good faith but are not obligated to issue refunds for the acts or omissions of Professionals.

9.6 Chargebacks. Initiating a chargeback or payment dispute for a legitimately incurred charge (including a properly disclosed and forfeited Deposit or no-show fee) may result in suspension of your account pending resolution. We reserve the right to contest chargebacks we believe to be unwarranted.

10. Payments and Platform Commission

10.1 Payment processing (Stripe Connect). Payments are processed by Stripe, Inc. and its affiliates ("Stripe") through Stripe Connect. By using the Platform's payment features, you agree to the applicable Stripe terms, including the Stripe Connected Account Agreement and Stripe Services Agreement, as they may be updated. The Company does not store full payment-card numbers; card data is handled by Stripe. Professionals receiving payouts must onboard to Stripe Connect and provide the identity, tax, and banking information Stripe requires.

10.2 Platform commission and fees. The Company charges a platform commission and/or service fees in connection with Bookings and payments facilitated through the Platform, as disclosed on the Platform or in your Professional or Member terms. Unless stated otherwise, commissions and fees are deducted or collected at the time of payment or payout. We may change our fees prospectively; changes will be disclosed before they apply to a future Booking.

10.3 Taxes. Prices may be exclusive of applicable taxes. Each Professional is responsible for determining, collecting (where required), reporting, and remitting all taxes arising from their Services. The Company is responsible only for taxes on its own fees where applicable.

10.4 Authorization. You authorize the Company and Stripe to charge your designated payment method for all amounts you incur, including Service charges, Deposits, fees, taxes, and lawful cancellation or no-show charges.

11. Prohibited Conduct

You agree that you will not, and will not permit others to:

1. Violate any law, regulation, licensing requirement, or third-party right;
2. Offer, request, or perform any medical service or any service outside the non-medical scope described in Section 5;
3. Circumvent, disable, or interfere with the Platform's payment system, or solicit, arrange, or accept payment off-Platform for Services introduced or arranged through the Platform, or otherwise attempt to avoid applicable fees or commissions ("disintermediation");
4. Harass, threaten, defame, discriminate against, stalk, or harm any User, or engage in any conduct prohibited by the Community & Acceptable Use Standards;
5. Provide false, misleading, or fraudulent information, including false credentials, reviews, or identity information;
6. Post or transmit Content that is unlawful, infringing, obscene, hateful, harassing, or that depicts or facilitates non-consensual or illegal activity;
7. Use the Platform to solicit or facilitate any sexual service or any activity that is illegal or that violates the safety or dignity of any person;
8. Scrape, crawl, harvest, or index the Platform or its data, or use bots, automated means, or unauthorized integrations, except as expressly permitted;
9. Reverse engineer, decompile, or attempt to derive source code, circumvent security or access controls, or introduce malware or harmful code;
10. Interfere with or disrupt the integrity or performance of the Platform, or impose an unreasonable load on our infrastructure;
11. Infringe or misappropriate the intellectual property or proprietary rights of the Company or any third party;
12. Use the Platform to send spam or unsolicited communications, or to violate telemarketing, anti-spam, or privacy laws; or
13. Create additional accounts to evade a suspension or removal, or otherwise misuse the Platform.

12. Content and Reviews

12.1 Your Content. You retain ownership of Content you submit. You are solely responsible for your Content and represent that you have all rights necessary to submit it and that it does not violate these Terms or any law or third-party right.

12.2 License to the Company. You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to host, store, use, reproduce, modify (for formatting and display), adapt, publish, translate, distribute, and display your Content in connection with operating, promoting, and improving the Platform. This license continues as reasonably necessary for backups, records, legal compliance, and dispute resolution after your Content is removed.

12.3 Reviews and ratings. Reviews and ratings must be honest, based on genuine first-hand experience, and free of unlawful, defamatory, or deceptive content. You may not offer or accept incentives for reviews, post reviews on behalf of another, or manipulate ratings. We may screen, decline to post, moderate, or remove Content — including reviews — at our discretion, but we are not obligated to monitor Content and do not endorse any User-submitted Content.

12.4 Feedback. If you provide suggestions or feedback about the Platform, you grant the Company an unrestricted, perpetual, irrevocable right to use it without obligation or compensation to you.

13. Intellectual Property

The Platform, including its software, design, text, graphics, logos, the "Lumora Luxe" name and marks, and all related intellectual property, is owned by the Company or its licensors and is protected by intellectual-property and other laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform for its intended purposes. All rights not expressly granted are reserved. You may not use our names, marks, or branding without our prior written permission.

14. Third-Party Services

The Platform relies on and integrates third-party services, including, without limitation, Stripe (payments and payouts), Supabase (data infrastructure and hosting), and Mapbox (mapping and location features), as well as other vendors and processors described in our Privacy Policy. Your use of certain features may be subject to those third parties' terms and privacy practices. The Company does not control and is not responsible for third-party services, and the availability of a third-party service is not guaranteed. Links to third-party sites are provided for convenience and do not constitute endorsement; your use of them is at your own risk and subject to their terms.

15. Disclaimer of Warranties

PLEASE READ THIS SECTION CAREFULLY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM AND THE PLATFORM SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. THE COMPANY, ITS AFFILIATES, AND ITS LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, THE COMPANY MAKES NO WARRANTY OR REPRESENTATION REGARDING ANY PROFESSIONAL OR ANY SERVICE, INCLUDING THE QUALITY, SAFETY, LEGALITY, LICENSURE, INSURANCE, QUALIFICATIONS, RELIABILITY, TIMELINESS, OR RESULTS OF ANY SERVICE OR PROFESSIONAL. Professionals are independent, and the Company does not perform, supervise, or guarantee their work. Any dealings between a Member and a Professional — including the performance of Services — are solely between them.

WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT OR INFORMATION IS ACCURATE OR COMPLETE. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you; in that case, such warranties are limited to the minimum extent permitted by law.

16. Assumption of Risk

Beauty and wellness Services carry inherent risks. By requesting or receiving Services, each Member acknowledges and voluntarily assumes those risks and agrees to the Assumption of Risk, Release, and Waiver of Liability (the "Waiver") presented in connection with a Booking, which is incorporated into these Terms by reference. In the event of a conflict between the Waiver and these Terms with respect to assumption of risk and release, the Waiver controls as to the Services it covers, to the extent permitted by law. Nothing in this Section or the Waiver limits any liability that cannot be limited or excluded under applicable law, including for a party's own gross negligence, willful misconduct, or fraud.

17. Limitation of Liability

PLEASE READ THIS SECTION CAREFULLY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, OR LICENSORS (THE "COMPANY PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, OR FOR PERSONAL INJURY, EMOTIONAL DISTRESS, OR PROPERTY DAMAGE ARISING OUT OF OR RELATED TO A SERVICE PERFORMED BY A PROFESSIONAL, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT THE COMPANY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, THE COMPANY PARTIES ARE NOT LIABLE FOR THE ACTS, OMISSIONS, CONDUCT, NEGLIGENCE, MISREPRESENTATIONS, OR SERVICES OF ANY PROFESSIONAL OR MEMBER, OR FOR ANY INJURY, HARM, LOSS, OR DAMAGE ARISING FROM A SERVICE, A MOBILE VISIT, OR ANY INTERACTION BETWEEN USERS, all of which are the responsibility of the independent parties involved.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY PARTIES ARISING OUT OF OR RELATING TO THESE TERMS, THE PLATFORM, OR THE PLATFORM SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL PLATFORM FEES AND COMMISSIONS ACTUALLY RECEIVED AND RETAINED BY THE COMPANY FROM YOU (OR, FOR A PROFESSIONAL, FROM YOUR BOOKINGS) IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THE LIMITATIONS IN THIS SECTION APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE, LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

18. Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless the Company Parties from and against any and all claims, demands, actions, investigations, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your access to or use of the Platform; (b) your Content; (c) your violation of these Terms, the Community & Acceptable Use Standards, or any law or third-party right; (d) for Professionals, the Services you offer or perform, including any claim relating to licensure, insurance, scope of practice, injury, or quality; (e) for Members, your conduct at or condition of any service location, and your interactions with Professionals; and (f) any dispute between you and another User. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate. This Section survives termination.

19. Independent-Contractor Relationship; Suspension and Termination

19.1 Independent contractors. Professionals are independent contractors and not employees, agents, joint venturers, or partners of the Company for any purpose. Professionals have no authority to bind the Company, and the Company does not control the manner or means by which Services are performed.

19.2 Suspension and enforcement. We may investigate suspected violations and may, at our discretion and with or without notice, limit, suspend, deactivate, or terminate your account or access; remove Content; withhold or reverse payments where permitted; and take other action we consider appropriate to protect Users, the public, or the Company, including where required by law, safety, or the Community & Acceptable Use Standards.

19.3 Termination by you. You may stop using the Platform and request account closure at any time, subject to completing any pending Bookings and obligations.

19.4 Effect of termination. Upon termination, your right to use the Platform ceases. Sections that by their nature should survive — including Sections 5, 12–18, 20, and 21 — survive termination.

20. Dispute Resolution — Binding Arbitration and Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO SUE IN COURT AND TO PARTICIPATE IN A CLASS ACTION.

20.1 Informal resolution first. Before initiating arbitration, you and the Company agree to try to resolve the dispute informally by sending written notice to [legal@lumora.luxe] (or, for the Company, to your registered contact) describing the dispute and the relief sought. The parties will negotiate in good faith for at least sixty (60) days before commencing arbitration. This period tolls any applicable limitations period.

20.2 Agreement to arbitrate. Except as set out below, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or the Platform Services will be resolved by final and binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court if it qualifies. The arbitration will be administered by [ARBITRATION PROVIDER — e.g., a nationally recognized arbitration organization] under its then-current consumer/commercial rules, as modified by this Section. The arbitrator has exclusive authority to resolve disputes about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court decides questions of arbitrability regarding the Class-Action Waiver in Section 20.4.

20.3 Arbitration procedure. Unless the parties agree otherwise, arbitration will take place in the county of the Member's or Professional's residence or another mutually agreed or convenient location, or be conducted by video or telephone where permitted. The arbitrator may award the same individual relief a court could, and the award is final and binding. Judgment on the award may be entered in any court of competent jurisdiction. Allocation of arbitration fees is governed by the applicable rules and applicable law.

20.4 Class-action and jury-trial waiver. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding. YOU AND THE COMPANY WAIVE ANY RIGHT TO A JURY TRIAL. If the Class-Action Waiver is found unenforceable as to a particular claim or request for relief, that claim or request will proceed in a court of competent jurisdiction, but the remainder of this Section 20 remains in effect.

20.5 Exceptions. This Section does not require arbitration of: (a) individual small-claims-court actions; or (b) claims to enforce or protect, or concerning the validity of, a party's intellectual-property rights, for which either party may seek injunctive or equitable relief in court.

20.6 Right to opt out. You may opt out of this arbitration agreement (Sections 20.2–20.4) by sending written notice to [legal@lumora.luxe] within thirty (30) days of first accepting these Terms, stating your name, account, and intent to opt out. Opting out does not affect any other provision of these Terms.

20.7 Governing law. These Terms and any dispute are governed by the laws of the State of [STATE], without regard to its conflict-of-laws rules, and, as to arbitration, by the Federal Arbitration Act. Subject to the arbitration agreement above, the state and federal courts located in [STATE / COUNTY] have exclusive jurisdiction over any matter not subject to arbitration, and you consent to that jurisdiction and venue. These elections are subject to any mandatory consumer-protection law of your place of residence that cannot be waived.

21. General Provisions

21.1 Changes to these Terms. We may modify these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by posting the updated Terms with a new "Last Updated" date or by other reasonable means). Changes are effective when posted unless stated otherwise. Your continued use of the Platform after changes take effect constitutes acceptance. If you do not agree, you must stop using the Platform.

21.2 Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary or severed, and the remaining provisions will remain in full force and effect.

21.3 No waiver. Our failure to enforce any provision is not a waiver of our right to do so later. Any waiver must be in writing to be effective.

21.4 Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.

21.5 Force majeure. The Company is not liable for any failure or delay caused by events beyond its reasonable control, including acts of God, natural disasters, outages, labor disputes, third-party service failures, or governmental action.

21.6 Notices. We may provide notices to you by email, through the Platform, or by other reasonable means. You consent to receive electronic communications and agree they satisfy any legal requirement that communications be in writing. Legal notices to the Company must be sent to [legal@lumora.luxe] and, where required, to [Company legal mailing address].

21.7 Relationship of documents. These Terms, together with the Privacy Policy, the Community & Acceptable Use Standards, the Waiver, and any additional terms applicable to Members or Professionals presented on the Platform, constitute the entire agreement between you and the Company regarding the Platform and supersede all prior agreements on that subject. If there is a conflict, the more specific, service-level document controls for the matter it addresses, to the extent permitted by law.

21.8 Interpretation. Headings are for convenience only. "Including" means "including without limitation." These Terms are drafted in English; any translation is for convenience, and the English version controls.

21.9 Contact. Questions about these Terms may be directed to [legal@lumora.luxe]. For Trust & Safety matters, contact [trust@lumora.luxe]. For privacy matters, contact [privacy@lumora.luxe].

End of Draft — Terms of Service. Prepared for counsel review. Not for publication until finalized.