Website Terms of Use

Last Modified: October 10, 2025

Welcome to uma.money. Please read these Website Terms of Use (these “Terms”) to learn the rules and restrictions that govern your use of this website, including its subpages and subdomains (including uma.money) (the “Website”) and the products, services and applications provided or otherwise made available to you on, through or in connection with the Website or any mobile applications in any manner, including an uma.money account (an “Account,” and collectively, the “Services”). If you have any questions, comments, or concerns regarding these Terms, the Website or any of the Services, please contact us at:

info@uma.money

8605 Santa Monica Blvd, PMB 64461, West Hollywood, CA, 90069

These Terms are a binding contract between you and Lightspark Group, Inc. (“Lightspark”, “we”, and “us”). These Terms are entered into between you and Lightspark when you agree to them by using or accessing our Website or any Services in any way. These Terms will remain in full force and effect until terminated in accordance with the section below entitled “Termination”. If you do not agree with any of the provisions of these Terms, you should not use our Website, Services or an Account.

We or our affiliates may provide you with certain Services on a preliminary, evaluation, demo, sample or “beta” testing basis (“Demo Services”), which we provide to you for your internal demonstration, trial and evaluation purposes only. We will use care and skill to provide the Demo Services but you acknowledge that the Demo Services are not for production use and you use them at your own risk. We may discontinue any of the Demo Services at any time in our sole discretion. These Terms apply equally to the Demo Services, and by accessing or using such Demo Services, you agree to all of these Terms.

Where we or our affiliates provide you with the Services, the uma.money Terms of Service are incorporated herein by reference and are entered into between you and Lightspark when you agree to them by creating an Account or by accessing the Services. In the event of any conflict between these Terms and the Terms of Service, the Terms of Service will govern in relation to your use of such Services.

Please read these Terms carefully. They cover important information about the Website and the Services.

Will these Terms ever change?

We are constantly trying to improve the Website and the Services, so these Terms may need to change along with the Website or the Services or for any other reason in our discretion. We reserve the right to change these Terms at any time to reflect changes to the Website and/or Services or to comply with legal requirements, Any changes are effective immediately when we post them here and apply to all access to and use of the Services and the Website. If you use or access any of the Services or the Website after any changes to these Terms have been posted, that means you agree to all of the changes. If you do not want to agree to any changes to These Terms you should not continue to access or use the Services or the Website.

1. What about my privacy?

We take the privacy of our users very seriously. For our current Website Privacy Policy, please click here.

Children’s Online Privacy Protection Act

The Children’s Online Privacy Protection Act requires that online service providers obtain parental consent before they knowingly collect personal data online from children who are under 13 years of age. We do not knowingly collect or solicit personal data from children under 18 years of age; if you are a child under 18 years of age, please do not attempt to register for or otherwise use the Website or any Services or send us any personal data. If we learn we have collected personal data from a child under 18 years of age, we will take reasonable steps to delete that information as quickly as possible. If you believe that a child under 18 years of age may have provided us personal data, please contact us at privacy@uma.money

2. What are the basics of using the Website and the Services?

You represent and warrant that you are an individual over 18 years of age and of legal age in the jurisdiction where you reside to form a binding contract.

You will use the Website and the Services only for your own personal or business use, and not on behalf of or for the benefit of any third party, and only in a manner that complies with these Terms and all laws that apply to you. If your use of the Website or any Services is prohibited by applicable laws, then you aren’t authorized to use the Website or any Services. We can’t and won’t be responsible for your using the Website or any Services in a way that breaks the law.

The Website is operated and controlled by us in the United States, and is only available in certain jurisdictions (e.g., where we are legally able to provide the Website and Services and have chosen to do so). Despite the global nature of the Internet, we cannot guarantee the availability of the Website, the content, materials, documents, data, information, functionality and services displayed, performed or available on or through the Website or any of the Services, including text, graphics, data, articles, photos, images, illustrations, designs, icons, photographs, video clips and so forth (all of the foregoing, the “Content”) or any of the Services in all parts of the world. Access to the Website, the Content or the Services from countries or territories where such access is illegal is prohibited.

Lightspark does not provide financial, investment, tax, legal, regulatory, accounting, business, or other advice, including about whether and how to use the Bitcoin network, Lightning network or any other network. Lightspark is not responsible for the decisions you make to buy, sell, or hold Bitcoin or any digital or other asset, and the Services are not intended for any such purposes.

3. Are there restrictions in how I can use the Website or the Services?

You represent, warrant, and agree that you will not provide or contribute anything, including any Content, to the Website or otherwise access, use or interact with the Website or any of the Services, including in connection with creating, accessing, using or interacting with your Account, in a manner that

infringes or violates the intellectual property, contractual, publicity, privacy or any other rights of anyone else (including Lightspark);
violates any law or regulation, including any applicable export control laws or privacy laws;
is inconsistent with the purposes reasonably intended by Lightspark;
is dangerous, harmful, fraudulent, deceptive, misleading, threatening, harassing, discriminatory, defamatory, obscene, illegal or otherwise objectionable;
attempts, in any manner, to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website or the Services, the server on which the Website is stored, or any server, computer or database connected to the Website or obtain the password, username, UMA address, account, key or other security information from any other user;
violates the security of any computer network, or cracks any passwords, keys or security encryption codes or introduces any viruses, trojan horses, worms, time bombs, logic bombs or other material which is malicious or technologically harmful;
runs Maillist, Listserv, any form of auto-responder or “spam” on the Website, or any processes that run or are activated while you are not logged into the Website or your Account, or that otherwise interferes with the proper working of the Website (including by placing an unreasonable load on the Website’s infrastructure);
“crawls,” “scrapes,” or “spiders” any page, data, or portion of or relating to the Website or Content (through use of manual or automated means);
could disable, overburden, damage, or impair the Website or any of the Services or interfere with any other person’s use of the Website or any of the Services, including their ability to engage in real time activities through the Website or any of the Services (if applicable);
copies or stores any significant portion of the Content; or
decompiles, decomposes, deletes, reverse engineers, disassembles, deconstructs or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the Website or any of the Services.

A violation of any of the foregoing is grounds for termination of your right to use or access the Website, the Content and the Services (see the “Termination” section below). We may monitor the Website and the Services for any unauthorized or objectionable conduct and take all appropriate actions in response. We may investigate any complaint regarding, or suspected violation of, these Terms, and may report any activity relating to the Website, the Content or the Services to regulators, law enforcement officials or other persons or entities that we deem appropriate.

4. What about messaging?

As part of the Website and the Services (including in connection with your Account), you may receive communications through or in connection with the Website or the Services, including messages that we send you (for example, via email or text message) containing operational and/or functional updates, such as confirmation of transactions or other updates relevant to you. We will only send you marketing communications where you have opted-in to receive such marketing messages via email and/or text. You can unsubscribe from marketing messages at any time by [clicking the “unsubscribe” button at the end of any emails we send you or responding with STOP to any texts we send you.

5. What are my rights in the Website and the Services?

You understand that Lightspark owns the Website, the Content and the Services. The Content and any and all trademarks, trade dress, logos, copyrights and other intellectual property in such Content are owned, controlled or licensed by Lightspark and are protected by copyright or other intellectual property laws. You promise to abide by all copyright and trademark notices and legends and other information and restrictions contained on the Website or in any Content or Services you access through the Website, and you may not remove, alter or obscure any copyright, trademark or other notices or legends contained in any Content or alter or modify any Content.

You may not use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, store, perform, upload, display, license, transfer, sell, create derivative works based on, commercialize or otherwise exploit for any purpose the Website, the Content or the Services (or any portion of any of the foregoing), or use any trademark, trade name, trade dress, service mark or logo of Lightspark or any third party that appears on the Website or in any of the Content or Services, (i) without the prior consent of Lightspark or (ii) in a way that violates someone else’s (including Lightspark’s) rights. The Website may allow you to copy or download certain Content, but please remember that even where these functionalities exist, all the restrictions in this section still apply. No right, title or interest in any copy or downloaded Content is transferred to you as a result of any such copying or downloading. You may not use any Content in connection with, or to develop or train, any large language model, neural network, or artificial intelligence (including any form of generative artificial intelligence). All rights, title and interest in and to the Website, the Content, the Services and any and all related intellectual property are hereby expressly reserved by Lightspark and its licensors, as applicable.

Any feedback, suggestions, communication or other content that you send to us is and will be deemed to be non-confidential as between you and us, and Lightspark will be free to use, modify, reproduce and distribute it for any purpose without compensation to you. Any personal data contained therein will be processed in accordance with our Website Privacy Policy.

6. Who is responsible for what I see and do on the Website?

Accessing certain areas or features of the Website may, or may in the future, require you to register or may otherwise ask for your information. You may choose not to provide such information, but your ability to access certain areas or features of the Website may be limited. You are responsible for the accuracy and validity of all information or other content you contribute, in any manner, to the Website (including any communication or materials you send us), and you represent and warrant you have all rights necessary to do so, in the manner in which you contribute it, and that all such information and content is correct, current and complete.

The Website may contain links or connections to third-party websites or services that are not owned or controlled by Lightspark. Such links are provided for your convenience only. The Services may also require or direct you to use services, content, or other functionality developed, provided, or maintained by third-party service providers. When you access or use third-party websites or services, you accept that there are risks in doing so, and that we are not responsible for those risks. These Terms do not apply to or govern the practices of third-party companies or websites that can be accessed through links or connections contained on the Website or that we do not own or control. Lightspark has no control over, and assumes no responsibility for, any third-party websites, any products or services offered or provided by third parties, or the content, accuracy, privacy policies, practices of or opinions expressed in any third-party websites or by any third party that you interact with through the Website. In addition, we will not and cannot monitor, verify, censor or edit the content of any third-party website or service. We encourage you to be aware when you leave the Website and to read the terms and conditions and privacy policy of each third-party website or service that you access, use, visit or utilize. Your use of such third-party sites is subject to the privacy practices and terms and conditions established by the specific linked third-party site, and we disclaim all liability for such use. The availability of such links does not indicate any approval or endorsement by us.

Your interactions with organizations or individuals found on or through the Website, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organizations or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. You agree that Lightspark will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.

If there is a dispute between participants on the Website or users on uma.money, or between users and any third party, you agree that we are under no obligation to become involved. In the event that you have a dispute with one or more other users, you hereby release and hold harmless Lightspark from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes. If you reside in California, you shall and hereby do waive California Civil Code Section 1542, which says in substance: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

7. Will Lightspark ever change the Website?

We’re always trying to improve the Website and the Services, so we may change the Website, the Content or the Services from time to time. We may suspend or discontinue any part of the Website, the Content or the Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Website, the Content or the Services. We reserve the right to remove any Content or Services from the Website at any time, for any reason (including if someone alleges you contributed that Content in violation of these Terms), in our sole discretion, and without notice. If our actions lead to a material change to the Terms, we will provide notice to you, as may be required under applicable laws.

8. Termination

These Terms will remain in full force and effect while you use or access our Website, Services, an Account or UMA Address, unless terminated in accordance with this section.

You may stop using the Website and/or our Services, close your Account and UMA Address at any time. Certain provisions of these Terms will, by their nature, apply even when you no longer use or access the Website and/or Services, your Account or UMA Address (see the “Survival” section below).

We may terminate these Terms immediately and restrict your access to the Website and/or the Services if:

you have violated any provision of these Terms in a serious or repeated manner, including by breaching any of the restrictions in the “Are there restrictions in how I can use the Website or the Services?” section above;
if we reasonably believe that you are using (or are allowing someone else to use) the Website, Services, your Account or your UMA Address in breach of any applicable laws, rules or regulations, or in furtherance of illegal, fraudulent or prohibited activities; or
if we are required to do so by any law, regulation, court order or instruction from an ombudsman, regulator or government body.

In these scenarios we will notify you, if required by applicable laws, unless there are serious grounds for termination which mean that we are unable to provide notice.

We may also terminate these Terms without cause, including if we decide to cease providing the Website and/or Services, by notifying you in advance, as may be required under applicable laws.

Survival: Upon termination of these Terms for any reason:

sections 1, 3 to 6, 8 to 10 will survive termination: and
you must immediately cease use of the Website, Services, any Account and/or UMA Address.

9. Disclaimers and liability.

Disclaimers. It is your responsibility to check whether the Website, Services, Account and/or UMA Address meet your purposes or needs. We do not promise or guarantee that the Website, Services, Account or UMA Address will fulfil any particular purposes or needs that you may have.

Except for the descriptions set out in these Terms and any other documents we have provided to you, we do not promise or guarantee that the Website, Services, Account or UMA Address will meet any specific requirements or specifications.

While we will use reasonable care and skill to keep the Website and/or Services online and Accounts and UMA Addresses functioning, we do not promise or guarantee that the Website, Services, Account or UMA Address will be uninterrupted or always accessible. We do not accept liability for any losses you may suffer due to such interruptions or inaccessibility.

Please note, Lightspark does not at any time:

provide a deposit or other financial account, or other financial or transaction services;
act as an escrow agent with respect to any money sent to you on uma.money;
act as your agent or trustee;
guarantee the identity of any uma.money user;
determine if you are liable for any taxes; or
collect or pay any taxes that may arise from use of any Services.

Limitation of Liability. This section limits the liability that we accept, and the types of damages that you may be able to recover from us. Please read it carefully.

We don’t exclude or restrict our liability in any way that would be unlawful (including our liability for any death or personal injury caused by our negligence, or for any fraud or fraudulent misrepresentation by us, our employees or directors). The exclusions and limitations below are all subject to this statement. References to liability in this section include every kind of liability arising under or in connection with these Terms, including liability in contract, tort (including negligence), or otherwise.

We are not responsible and do not accept liability for loss or damage that is not ‘foreseeable’. Loss or damage is ‘foreseeable’ if either it is obvious that it will happen or if, at the time you agree to these Terms, both you and we are aware that it might occur.

We are not liable to you for any failure to perform our responsibilities:

due to any abnormal or unforeseeable event outside our reasonable control (including but not limited to acts of terrorism, significant weather-related events such as major floods, general strikes, general internet outages, or epidemics or pandemics) and despite us having taken reasonable precautions against such events; or
where performing our responsibilities would put us in breach of applicable law (e.g., where we have reasonable grounds to suspect that the Website, Services, an Account or UMA Address are being used for fraud).

Subject to the foregoing, Lightspark’s total liability to you arising from or in connection with these Terms shall not exceed one thousand euros (EUR 1000). We encourage you to check and inform us, to the best of your ability, of any issues or problems at the earliest opportunity and take prompt action as soon as you become aware of any problem.

10. What else do I need to know?

Prevailing Language. The English language version of these Terms will be the binding version. In the event of any discrepancy between the English language version of these Terms and any foreign language translation, the English version prevails. Any other language version of these Terms is provided for convenience only.

Assignment. The Website and Services are personal to you and you may not assign, delegate or transfer these Terms or your rights or obligations hereunder in any way (by operation of law or otherwise) without our prior written consent. This is necessary, including for reasons relating to our compliance with applicable law. We may delegate our responsibilities under these Terms, to any third party that is capable of performing these Terms competently and in accordance with these Terms, our Website Privacy Policy and applicable law. We may assign our rights under these Terms to another business without your consent, but we will notify you of the assignment, as may be required under applicable laws, and ensure that you are not adversely affected as a result.

Choice of Law; Dispute Resolution. These Terms, and any suit, action, proceeding, dispute, claim or controversy arising out of or relating to the Website, the Content, the Services or these Terms (each, a “Dispute”), are governed by and will be construed under applicable federal law and the laws of the State of California, without regard to the conflicts of laws provisions thereof. Any additional, mandatory consumer rights and protections that you are entitled to under the laws of the country in which you reside will also apply (for example, if you reside in the European Economic Area (“EEA”) or the United Kingdom (“UK”)).

Any Dispute will be instituted exclusively in the federal courts of the United States, or the courts of the State of California, in each case located in the County of Los Angeles, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms in your country of residence or any other relevant country. If you don’t reside in the United States, you may be able to bring a claim in the local courts in the country where you reside (for example, if you reside in the EEA or the UK). If you reside in the United States, you: (a) waive any and all objections to the exercise of jurisdiction over you by any of the foregoing courts and to venue in such courts, and (b) YOU HEREBY EXPRESSLY WAIVE THE RIGHT TO TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED ON, OR ARISING OUT OF, UNDER OR IN CONNECTION WITH, THESE TERMS, THE WEBSITE OR THE CONTENT. YOU AGREE NOT TO PARTICIPATE IN A CLASS ACTION FOR ANY CLAIMS COVERED BY THESE TERMS.

Miscellaneous. [These Terms, the Privacy Policy and the uma.money Terms of Service (if applicable to you)] (together the “Agreement”) constitute the entire agreement between you and Lightspark regarding your use of our Website, Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding our Services. You and Lightspark acknowledge that in entering into these Terms, you and/or Lightspark do not rely on any statement, representation, warranty or understanding other than those expressly set out in these Terms. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of Lightspark, and you do not have any authority of any kind to bind Lightspark in any respect whatsoever. The failure to require performance of any provision of these Terms or assert a right or provision under these Terms will not affect our right to require performance at any time thereafter, or constitute a waiver of such right or provision of these Terms. Use of paragraph headers in these Terms is for convenience only and will not have any impact on the interpretation of particular provisions. In the event that any provision of these Terms is held to be invalid or unenforceable, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining parts will remain in full force and effect.