Terms of Service

Last updated: [PLACEHOLDER]

These terms govern your use of Lumo and the websites we build, host, and maintain for you.

1. The service — what Lumo provides (build, hosting, optional ads) and what's included.
2. Payments & billing — the one-time build fee, monthly hosting, cancellation, and refunds.
3. Your content — ownership of the text, images, and logo you provide.
4. Acceptable use — what sites we will and won't build or host.
5. Liability & warranties.
6. Changes to these terms and how we'll notify you.