TERMS OF USE

Last updated: 2025

1. Acceptance of Terms

Welcome to 3xplain (“we,” “our,” “us”). These Terms of Use (“Terms”) govern your access to and use of our website at 3xplain.com and any content, materials, or services made available through it (collectively, the “Site”).

By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

2. Informational Purposes Only (Not Financial Advice)

Content on the Site is provided for general educational and informational purposes only.
Nothing on the Site is intended as, and must not be taken as:

  • financial advice

  • investment advice

  • tax, legal, or accounting advice

  • a recommendation to buy, sell, or hold any security, asset, or financial product

You are solely responsible for any decisions you make about your money, investments, or financial situation. You should consult a qualified professional before making financial or investment decisions.

We do not act as a financial advisor, investment manager, broker, or fiduciary.

3. No Professional or Client Relationship

Your use of the Site does not create any client, advisory, or professional relationship between you and 3xplain or Luma Labs LLC.

4. Accuracy, Completeness, and Updates

We aim to provide clear, accurate, and timely information, but:

  • markets, laws, and data change over time

  • errors or omissions can occur

  • third-party sources may be incomplete or updated without notice

We do not guarantee that any content on the Site is complete, accurate, or current. We may modify, update, or remove content at any time without notice.

5. User Responsibilities and Conduct

You agree not to:

  • use the Site for any unlawful or fraudulent purpose

  • attempt to interfere with the operation or security of the Site

  • copy, scrape, reproduce, or distribute content from the Site except as allowed by fair use or with our prior written permission

All content on the Site, including text, graphics, logos, images, and layouts, is owned by Luma Labs LLC or its licensors and is protected by intellectual property laws.

6. Third-Party Links and Tools

The Site may contain links to third-party websites, tools, or services. These are provided for convenience only.

We do not control and are not responsible for:

  • the content or practices of third-party sites

  • any products or services offered there

  • any losses or damages arising from your use of them

Use third-party sites at your own risk and review their terms and policies.

7. No Warranties

The Site and all content are provided on an “as is” and “as available” basis, without any warranties of any kind, express or implied, including but not limited to:

  • warranties of accuracy

  • fitness for a particular purpose

  • non-infringement

  • availability or reliability of the Site

We do not warrant that the Site will be uninterrupted, secure, or error-free.

8. Limitation of Liability

To the fullest extent permitted by law, 3xplain, Luma Labs LLC, and their owners, officers, employees, and partners are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to:

  • your use of or inability to use the Site

  • your reliance on any content on the Site

  • any errors or omissions in the content

  • any third-party links, tools, or services

If you are dissatisfied with any part of the Site or these Terms, your sole and exclusive remedy is to stop using the Site.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict-of-law principles.

10. Changes to These Terms

We may update these Terms from time to time. When we do, we will change the “Last updated” date at the top of this page.

Your continued use of the Site after changes are posted means you accept the revised Terms.

11. Contact

If you have questions about these Terms, you can contact us using the Contact page on the Site.