Terms of Service

Effective: 4 March 2026 · Last updated: 6 March 2026

Please read these Terms of Service (“Terms”) carefully before using PanLuma. By creating an account or using any part of the Service, you agree to be bound by these Terms.

1. Definitions

  • “PanLuma”, “we”, “our”, “us” — PanLuma Inc (a Delaware company), and its operators.
  • “Service” — the PanLuma platform, including the web application at panluma.ai, mobile applications (iOS, Android), desktop applications, APIs, and any related services.
  • “You”, “your” — the individual or legal entity accessing or using the Service.
  • “Account” — your registered PanLuma account and all associated data.
  • “Business Data” — data you or your team enter into the Service (contacts, invoices, tasks, etc.).
  • “Tenant” — the organizational unit (company or business) under which your Account operates.

2. Eligibility

You must be at least 16 years of age (or the minimum age required by applicable law in your jurisdiction) to use the Service. By using PanLuma, you represent that you meet this requirement and have the authority to bind the entity you represent (if applicable) to these Terms.

3. Account Registration & Security

  • You must provide accurate and complete information when creating an Account.
  • You are responsible for maintaining the confidentiality of your login credentials and for all activity under your Account.
  • You must notify us promptly at security@panluma.ai if you suspect unauthorized access to your Account.
  • We reserve the right to suspend or terminate Accounts that violate these Terms or pose a security risk.

4. The Service

What PanLuma Provides

PanLuma is a multi-module AI-powered business platform offering task management, CRM, accounting, recruiting, support ticketing, people management, inventory, procurement, AI agents, AI chat, contacts & companies, products & pricing, forms & business processes, email, messaging, file management, website hosting, shipments & logistics, and related tools. The Service is available via web browser, mobile apps, and desktop apps.

Pricing & Plans

The core Service (the software platform, all modules, all features, unlimited users) is provided free of charge.

AI Usage Billing. Certain features of the Service — including AI agents, AI chat, and AI-powered automations — use large language model (LLM) inference. AI usage is billed at the cost of the underlying LLM tokens plus a 20% markup. Token costs reflect the rates charged by the LLM provider. Usage details and costs are visible in your account dashboard. AI usage charges are billed monthly in arrears.

We may modify, discontinue, repackage, or place limits on any part of the Service at any time, including introducing paid plans, changing plan tiers, or changing the AI usage markup. If we make changes that affect your access or pricing:

  • We will give you at least 30 days’ notice before any pricing or access change takes effect.
  • Paid features and AI usage costs will always be clearly identified before you incur any cost.
  • If you do not agree with the changes, you may export your data and close your Account before they take effect.

Service Availability

We aim to keep the Service available and reliable, but we do not guarantee uninterrupted or error-free access. We may perform maintenance, updates, or modifications that temporarily affect availability. We will make reasonable efforts to provide advance notice of planned downtime.

5. Your Data

Ownership

You retain full ownership of your Business Data. PanLuma does not claim any intellectual property rights over the data you enter into the Service.

License to Operate

By using the Service, you grant PanLuma a limited, non-exclusive license to store, process, and display your Business Data solely to provide and improve the Service. This license terminates when you delete your data or close your Account.

Data Portability

You may export your Business Data in standard formats (CSV, JSON) at any time from your account settings.

Data Handling

Our collection, use, and protection of personal data is governed by our Privacy Policy, which forms part of these Terms.

Data Processing Addendum

Business customers who require a Data Processing Addendum (DPA) for compliance purposes may request one by contacting privacy@panluma.ai.

6. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable law or regulation
  • Upload or transmit malicious code, viruses, or any material that could harm the Service or other users
  • Attempt to gain unauthorized access to the Service, other Accounts, or our infrastructure
  • Interfere with or disrupt the Service or place unreasonable load on our systems
  • Use the Service to send unsolicited bulk communications (spam)
  • Reverse-engineer, decompile, or disassemble any part of the Service
  • Resell, sublicense, or redistribute the Service without our written consent
  • Use the Service to store or process data subject to specific regulatory requirements (e.g. HIPAA-protected health data, payment card data under PCI-DSS) unless PanLuma has explicitly confirmed compliance with those requirements
  • Circumvent any usage limits, rate limits, or security measures

We reserve the right to investigate violations and take appropriate action, including suspension or termination of your Account.

7. AI Features & Agents

PanLuma includes AI-powered features and configurable AI agents. Regarding these features:

  • AI outputs are generated assistance, not professional advice. You are responsible for reviewing and validating any AI-generated content, decisions, or actions before relying on them.
  • AI agents and automated workflows may take real-world actions (such as sending emails, modifying data, or interacting with third-party services) based on the rules and permissions you configure. You are responsible for the configuration and resulting actions of agents under your Account.
  • AI features may process third-party data that could be incomplete, outdated, or inaccurate. PanLuma does not guarantee the accuracy or completeness of data obtained from external sources.
  • Decisions with legal, financial, regulatory, or compliance implications should not rely solely on AI-generated outputs. You should apply appropriate human review and professional judgment.
  • We do not use your identifiable Business Data to train AI models without your explicit consent. See our Privacy Policy for details.

8. Network & Connected Businesses

PanLuma’s platform may allow you to connect with other businesses (e.g. customers, suppliers) on the network. When you use these features:

  • You control which businesses you connect with and what data is shared.
  • Data shared with connected businesses is governed by the sharing settings you configure.
  • We are not responsible for how connected businesses use data you choose to share with them.

9. Website Hosting

If you use PanLuma’s website hosting module to create and host a website:

  • You are responsible for the content published on your hosted website and must ensure it complies with applicable laws.
  • We may remove or disable content that violates these Terms or applicable law.
  • Websites are hosted on shared infrastructure; we reserve the right to enforce reasonable resource limits.

10. Intellectual Property

Our Rights

The Service, including its design, code, features, documentation, and branding (but excluding your Business Data), is owned by PanLuma and protected by intellectual property laws. These Terms do not grant you any rights to our trademarks, logos, or brand assets.

Feedback

If you provide suggestions, ideas, or feedback about the Service, we may use them without obligation or compensation to you.

11. Third-Party Services

The Service may integrate with third-party services (e.g. Google, payment processors, shipping carriers). Your use of those services is governed by their own terms and privacy policies. We are not responsible for the availability, accuracy, or practices of third-party services.

12. Disclaimer of Warranties

The Service is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limiting the above, we do not warrant that:

  • The Service will meet your specific requirements
  • The Service will be uninterrupted, timely, secure, or error-free
  • Any results obtained from the Service will be accurate or reliable
  • Any defects in the Service will be corrected

13. Limitation of Liability

To the maximum extent permitted by applicable law, PanLuma shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business, or goodwill, regardless of the theory of liability and even if we have been advised of the possibility of such damages.

Our total aggregate liability for any claims arising from or related to the Service shall not exceed the greater of: (a) the amount you have paid to PanLuma in the 12 months preceding the claim, or (b) USD $1,000.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liability. In those jurisdictions, our liability is limited to the greatest extent permitted by law.

14. Indemnification

By You

You agree to indemnify, defend, and hold harmless PanLuma and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law; or (d) content you publish through the Service (including hosted websites).

By PanLuma (IP Indemnity)

PanLuma will defend you against any third-party claim that the Service as provided by PanLuma infringes that third party’s patents, copyrights, or trademarks, and will indemnify you against any damages finally awarded (or settlements approved by PanLuma), provided that you: (a) promptly notify us of the claim; (b) give us sole control of the defense and settlement; and (c) provide reasonable cooperation at our expense.

This indemnity does not apply to claims arising from: (i) your Business Data or content; (ii) modifications you make to the Service; (iii) your combination of the Service with non-PanLuma products or services; or (iv) your use of the Service in violation of these Terms.

PanLuma’s total liability under this IP indemnity is subject to the liability cap in Section 13.

15. Term & Termination

By You

You may close your Account at any time from your account settings or by contacting us at support@panluma.ai.

By Us

We may suspend or terminate your Account immediately if:

  • You materially breach these Terms
  • Your use poses a security risk to the Service or other users
  • We are required to do so by law
  • Your Account has been inactive for more than 12 consecutive months (with 30 days’ prior notice)

Effect of Termination

Upon termination, your right to use the Service ceases immediately. We will retain your data for 90 days after termination to allow data export, after which it will be permanently deleted in accordance with our Privacy Policy.

16. Changes to These Terms

We may update these Terms from time to time. When we make material changes:

  • We will update the “Last updated” date at the top of this page
  • We will notify you via in-app notification or email at least 30 days before material changes take effect
  • Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms

If you do not agree with the updated Terms, you may close your Account before they take effect.

17. Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Service shall first be attempted to be resolved informally by contacting us. If informal resolution is unsuccessful within 60 days, the dispute shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall be conducted in English, in Wilmington, Delaware (or remotely by mutual agreement). Each party shall bear its own attorneys’ fees and costs unless the arbitrator determines otherwise.

Small Claims Exception: Either party may bring an individual action in small claims court in lieu of arbitration, provided the claim falls within the court’s jurisdictional limits.

Injunctive Relief: Either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information.

Class Action Waiver: You agree to resolve disputes with us on an individual basis and waive any right to participate in a class action, class arbitration, or representative proceeding.

For EU/UK Users

If you are located in the European Union or United Kingdom, nothing in this section limits your rights under mandatory consumer protection laws in your country of residence, including your right to bring proceedings in local courts.

18. General Provisions

  • Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.
  • Waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
  • Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and PanLuma regarding the Service.
  • Assignment: You may not assign your rights under these Terms without our consent. We may assign our rights without restriction.
  • Force Majeure: We are not liable for delays or failures caused by circumstances beyond our reasonable control (e.g. natural disasters, war, government actions, pandemics, infrastructure failures).
  • Translation: If these Terms are translated into other languages, the English version prevails in case of conflict.

19. Contact Us

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