These Terms of Service ("Terms") govern your access to and use of the services provided by Luminar Invest Capital DMCC ("Luminar Invest", "we", "us"). By creating an account or using the platform, you agree to be bound by these Terms.
1. Eligibility
You must be at least 18 years old, legally capable of entering into binding contracts in your jurisdiction, and not a person prohibited from receiving services under applicable sanctions regimes (including UN, OFAC, EU, UK and UAE lists).
2. Account opening and KYC
Opening an account requires identity verification (KYC) and proof of address. Luminar Invest reserves the right to refuse to open an account or to suspend an account at any time, in accordance with applicable anti-money laundering (AML) and counter-terrorist financing (CFT) regulations.
3. Investment mandate
By funding your account, you grant Luminar Invest a discretionary management mandatewithin the boundaries of the risk profile you have selected at onboarding. Luminar Invest allocates capital across the three asset classes (precious metals, equities, digital assets) according to its internal investment policy.
4. Fees
Luminar Invest charges an all-inclusive annual management fee of 1.00% per annum on assets under management, billed monthly in arrears. No entry, exit or performance fees apply. Network and execution fees may be deducted at the venue level and are passed through at cost.
5. Deposits and withdrawals
Deposits are accepted in EUR, USD and AED via wire transfer, as well as in BTC, ETH and major stablecoins. Withdrawals are processed within 3 business days subject to compliance review.
6. Risks
Investments carry risk including the potential loss of capital. Past performance is not indicative of future results. You acknowledge that you have read and understood our full Risk Disclosure.
7. Liability
Luminar Invest's liability is limited to direct damages caused by gross negligence or wilful misconduct in the exercise of its discretionary management mandate. Luminar Invest is not liable for market losses, force majeure events, or third-party custodian failures.
8. Termination
You may close your account at any time by requesting a full withdrawal. Luminar Invest may terminate your account with 30 days' notice, or immediately for breach of these Terms or regulatory reasons.
9. Governing law and jurisdiction
These Terms are governed by the laws of the Dubai International Financial Centre (DIFC). Any dispute shall be submitted to the exclusive jurisdiction of the DIFC Courts.