Terms of Use

The website and its operator

This website is operated for Lumos Finance LTD under the Lumos brand. References to “Lumos”, “we” or “us” on these pages refer to that company.

These terms concern use of the website. A separate loan or brokerage arrangement may have its own terms, disclosures and rights. Read those documents before agreeing to a service or borrowing money.

Our role and the information provided

Lumos acts as a credit broker, not a lender. We do not provide loan funds or make a lender’s decision. General explanations, advertised ranges and examples on this website are not a personalised recommendation or a binding offer of credit.

Information about rates, amounts and terms must be read together with the lender’s actual offer. Availability is subject to the relevant lender’s criteria and applicable rules. Do not assume the service is available in a particular country solely because the website can be accessed there.

Enquiries and communications

An initial contact enquiry is not a loan agreement and does not guarantee that you will receive an introduction or an offer. Provide accurate contact details and do not submit information about someone else without an appropriate basis to do so.

Do not send bank passwords, card security codes or unnecessary personal documents through the contact form. If submission is unavailable or fails, the website will display a message. A failed submission must not be treated as receipt of an enquiry by our team.

For time-sensitive matters or an existing loan, contact the relevant provider directly. This website is not a payment service.

Rates, illustrations and charges

All dollar amounts displayed on this website are US dollars (USD). The advertised range is $100–$500, over 12–24 months, with APR of 15%–18% and a maximum APR of 18%.

Illustrative calculations explicitly state their assumptions. An assumed fee of $0 in an example is not a promise that all lenders or brokerage services charge no fees. Any actual fee, its amount, timing, refund conditions and effect on the borrowing cost should be disclosed before you agree to the relevant service.

Read the lender’s terms for early repayment, cancellation, late payment and financial difficulty. Website examples do not amend those terms or remove statutory rights.

Responsible use

You may use this website to read information and make genuine enquiries. Do not attempt to interfere with its operation, submit malicious material, overload its services, impersonate another person or obtain information to which you are not entitled.

We may restrict access where necessary to protect the service and its users. Such measures do not remove any rights you have under applicable law.

Website availability and external resources

Websites can be interrupted by maintenance, faults or events outside the operator’s control. A page or form may be temporarily unavailable. If you cannot complete an enquiry, use the published contact details.

External links are provided for relevant information. An external organisation controls its own content and services. A link does not mean that it endorses Lumos or that Lumos guarantees its content.

Content, privacy and your rights

The Lumos brand, site layout and original content must not be used to impersonate the business or mislead other people. You may keep information reasonably needed for your personal records and decision-making.

Personal information is addressed in the Privacy Notice. Browser technologies are described in the Cookie Notice.

Nothing in these website terms excludes rights or liabilities that cannot lawfully be excluded. Any mandatory consumer protections applicable to you continue to apply. These terms do not establish a loan’s governing law or remove a right to raise a complaint.

Questions and changes

If you do not understand an aspect of these terms, contact us before relying on the website or entering an agreement. If you wish to raise a concern about Lumos, follow the complaints information.

These terms may be updated as the website and its services change. Last updated: 13 October 2026.