Last updated: February 2026
Welcome to Lumina Fintech. By accessing or using our AI loan platform, website and related services, you agree to be bound by these Terms and Conditions. Please read them carefully.
By using our website, consulting services, or any related materials, you accept and agree to comply with these Terms and Conditions. If you do not agree, please do not use our services.
Lumina Fintech provides an AI loan platform that offers loan eligibility checks, AI credit assessments, smart loan matching and related loan advisory content for personal and SME borrowers in Malaysia. We help you understand and compare potential loan options from participating banks and licensed lenders; we do not ourselves approve, disburse or manage loans. The scope of any separate paid advisory engagement will be set out in a separate agreement or statement of work. Information on this website is for general information only and does not constitute financial, legal or tax advice.
You agree to use this website only for lawful purposes. You may not use it to transmit harmful code, attempt unauthorized access, or interfere with the site or other users. We reserve the right to suspend or terminate access at our discretion.
All content on this site, including text, logos, graphics, and design, is owned by Lumina Fintech or its licensors and is protected by copyright and other intellectual property laws. You may not copy, modify, or distribute our content without prior written consent.
To the fullest extent permitted by law, Lumina Fintech shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the website, our AI loan platform or our services. Our total liability shall not exceed the fees (if any) paid by you for the specific service giving rise to the claim.
We treat your information as confidential in accordance with our professional obligations and our Privacy Policy. You agree to keep any proprietary or confidential information we share with you confidential.
We may update these Terms and Conditions from time to time. The “Last updated” date at the top of this page will be revised. Continued use of the website or services after changes constitutes acceptance of the updated terms.
These terms are governed by and construed in accordance with the laws of Malaysia, without regard to conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia.
For questions about these Terms and Conditions, please contact us at hello@luminafintech.com or visit our Contact page.
