Terms of Service — Lunoria

1. General provisions

1.1. These Terms of Service set out the rules for using the Lunoria application (the "Application", the "Service"), provided by:

LUMA Sp. z o.o. (full name: LUMA Spółka z ograniczoną odpowiedzialnością, a Polish limited liability company), with its registered office in Warsaw, ul. Gawronia 15, 04-785 Warsaw, Poland, entered in the National Court Register (KRS) under number 0001244636, Tax Identification Number (NIP): 9522285489, National Business Registry Number (REGON): 544875680 (the "Provider", "we", "us").

1.2. Under Polish law, these Terms constitute terms of providing services by electronic means within the meaning of the Polish Act of 18 July 2002 on Providing Services by Electronic Means. This is a statement about how the Agreement is formed under the law that governs it (see Section 14); it does not by itself determine which country's mandatory consumer-protection law applies to you — that is addressed in Sections 14, 17, and 18.

1.3. Using the Application constitutes acceptance of these Terms. The Application may only be used by individuals who are at least 16 years old — see Section 3.

1.4. The processing of personal data is described in a separate Privacy Policy, which forms an integral supplement to these Terms. Detailed subscription terms are described in a separate document, Subscription Terms, which forms an integral part of these Terms. Note: the Subscription Terms document is published in an English version (linked above), alongside the original Polish version. The provisions of Section 17 (United States) and Section 18 (Australia) of these Terms already state, in English and in full, the auto-renewal, cancellation, and refund disclosures required by U.S. and Australian law, independently of the Subscription Terms document. The exact current reference prices in Polish złoty and euro remain published in the Polish-language version of that document only, so that a future price change cannot silently drift out of sync between language versions — but the concrete price in your own currency is always shown to you in the Application before you complete a purchase, and all other plan, top-up, and jurisdiction-specific detail is stated in the English Subscription Terms.

2. Description of the Service and its limitations (legal positioning)

2.1. Lunoria is an entertainment application — a conversational AI astrologer, tarot reader, and numerologist. The Application generates horoscopes, tarot readings, numerology analyses, and compatibility analyses (between two people, based on astrological and/or numerological data), and conducts conversation in the persona of a fortune-teller character.

2.3. Crisis situations. The Application is not a crisis support service, therapy, or mental-health support, and does not provide human care or supervision. We use automated mechanisms that, upon detecting signals of a mental-health crisis, interrupt the entertainment conversation and display information about available forms of help — where possible, information relevant to your region, and where a verified support line is not known to us for your region, the local emergency number and an international directory of support lines. These mechanisms are automated, imperfect, and may fail to recognize every situation — they do not constitute monitoring of your safety and should not be relied upon. If you are thinking about ending your life or are in immediate danger, call your local emergency number (911 in the United States and Canada; 000 in Australia; 112 in the European Union and the United Kingdom) or contact a local support line.

2.4. Intent to harm another person. If the content of a conversation indicates an intent to harm another, identified person, the Application ends the conversation thread and displays a neutral message together with the local emergency number. In that situation, the Application does not carry on a de-escalation conversation, does not assess the credibility or seriousness of the statement, does not ask for further details, and does not replace a report to law enforcement or other competent authorities. This mechanism is a deliberate safety measure authorized by these Terms, not a malfunction of the Service.

2.5. Limits on the accuracy of AI outputs: content generated by AI may contain errors, inaccuracies, or fail to account for all relevant circumstances. Lunoria does not guarantee the accuracy of predictions or interpretations.

3. Age requirement

3.1. The Application may only be used by individuals who are at least 16 years old. On first launch, the User makes a statement of their full date of birth, verified only locally (on the User's device, based on the date entered) — this is not an identity or age verification within the meaning of the age-assurance mechanisms used by app stores. Providing a false date of birth in order to circumvent the age threshold is a breach of these Terms.

3.2. Independently of the 16+ threshold as a condition of using the Application, app stores (Apple App Store, Google Play) may assign the Application their own age rating based on their own content-maturity questionnaires — both classifications apply in parallel and independently of one another.

The basis for the 16+ threshold is the nature of the content: the classic tarot iconography (the Rider-Waite-Smith deck) contains symbolic artistic nudity (e.g., the Lovers, the Devil cards) and cards with dark symbolism (e.g., Death, the Tower, the Ten of Swords). These cards — in line with their traditional, symbolic meaning — are interpreted in the Application exclusively symbolically (as transformation, the ending of a stage, a cleansing shock), never as a literal prediction of death, illness, accident, or violence against a real person (see also Section 2.2). The Application does not contain pornography, gambling, or other content intended exclusively for adults.

4. Session and user data

4.1. Using the core functionality of the Application does not require registration or an account — the Application assigns the User an anonymous technical session (no email address, password, or login) in order to enforce the limits of the User's plan and to save settings on the device. Completing a purchase in the web channel may require providing an email address solely so that the payment processor can issue a payment confirmation/invoice (Section 6) — this does not create an account in the Application.

4.2. The anonymous session is tied to a specific installation of the Application on a given device. The User is responsible for the accuracy of their date-of-birth statement (Section 3.1) and for using the Application in accordance with these Terms within their session.

4.3. The User may delete their data at any time in the Application's settings, and if the User no longer has access to it, by submitting a request by email in accordance with the instructions described in the Privacy Policy, in the section on deleting data. The effects and timing of data deletion are described there.

5. Technical requirements

5.1. Using the Application requires: a device with internet access, an up-to-date web browser supporting the Progressive Web App (PWA) standard, and JavaScript and local data storage (local storage/cookies) enabled, as necessary for the Application to function.

5.2. The Provider does not guarantee correct operation of the Application on devices or browsers that do not meet the above technical requirements, or in the absence of a stable internet connection.

6. Subscription and payments

6.1. The Application offers a free plan (Free, with functional limits) and two paid subscription plans: Plus and Premium (monthly or annual). Current pricing, feature scope, and the limits of each plan are described in a separate document, Subscription Terms (available in English — see Section 1.4 for the scope of what remains Polish-only), which forms an integral part of these Terms.

6.2. Web billing: payments are processed by RevenueCat in conjunction with Stripe (Stripe Checkout — card details never reach our servers). Native-channel billing (the app distributed via the App Store / Google Play) is processed through the built-in in-app purchase (IAP) mechanism of the relevant store, also managed through RevenueCat. Some payment methods available through Google Play (for example, BLIK, used mainly by Polish consumers) require an additional confirmation step outside the Application, in your banking app — in that case, access to the purchased features is activated only once Google Play receives that confirmation, not at the moment you start the purchase. See Subscription Terms, Section 5.2 and point 6.8 below for details and for what happens if that confirmation is delayed.

6.3. Automatic renewal: a subscription renews automatically for the next billing period at the then-current price, unless cancelled before the end of the current period. The price, billing frequency, and how to cancel are disclosed to you before you complete your purchase, on the same screen on which you confirm payment.

6.4. Cancellation: in the web channel, a subscription can be cancelled at any time in the Application's settings, using a mechanism no more difficult than the one used to subscribe. In the native channel, cancellation is done through the Apple ID or Google Play account settings — the Application provides a direct link to the relevant subscription-management screen of that store. Cancellation does not automatically entitle you to a refund for the current, already-paid period.

6.5. Right of withdrawal (14 days): under Article 27 of the Polish Act on Consumer Rights (implementing Directive 2011/83/EU), a consumer has the right to withdraw from a distance contract within 14 days without giving a reason.

6.6. Refunds in the native channel: under the in-app purchase model (Apple/Google), refunds are managed directly by the relevant store (Apple: reportaproblem.apple.com; Google: Play Store → Orders). Regardless of the payment channel, you retain the right of withdrawal arising from EU consumer law where it applies to you, and the statutory rights described in Sections 17 and 18 where those apply to you instead — you may raise a request with us at [email protected].

6.7. Top-ups: the Application may offer one-time top-up purchases that extend the message limit for the current billing cycle, available only to active subscribers of the Plus or Premium plan. Details are in the Subscription Terms.

6.8. Payment confirmed, access not activated. If the app store (Google Play) or payment processor has confirmed that a payment for a subscription or a top-up was collected, and access to the purchased features has not been activated within a reasonable time, you may choose either an extension of the current subscription period by the length of the delay, or a refund of the proportionate part of the fee paid, corresponding to the period of the delay. Raise this with us using the process described in Section 7 (Complaints procedure) below.

7. Complaints procedure

7.1. Complaints regarding the operation of the Application, including a lack of conformity of content or a digital service with the contract, may be submitted by email to [email protected], stating: a description of the problem, the date it occurred, and, if possible, a session or subscription identifier (visible in the Application's Settings) needed to locate billing data.

7.2. The Provider handles complaints promptly, and no later than within 14 days of receipt, and informs the User of the outcome at the email address from which the complaint was submitted (or another address indicated by the User).

7.3. This complaints procedure does not exclude or limit any rights available to a consumer for non-conformity of digital content or a digital service with the contract under Chapter 5b of the Polish Act of 30 May 2014 on Consumer Rights (including the right to have digital content or a digital service brought into conformity with the contract, a price reduction, or withdrawal from the contract), nor any other mandatory consumer-protection rules, including those described in Sections 17 and 18 for US and Australian consumers.

8. AI clause

8.1. Content in the Application (chat responses, horoscopes, tarot readings, numerology analyses, compatibility analyses) is generated in whole or in part by artificial intelligence models. It may contain errors, inaccuracies, or fail to account for all relevant circumstances.

8.2. In accordance with the EU Regulation on artificial intelligence (the AI Act, Regulation (EU) 2024/1689, Article 50(1)), the Application informs the User that they are talking to an AI system, not a human: on first launch (the introductory screen), through a persistent indicator visible in the interface (an "AI · fortune-teller" badge in the header of the chat, dashboard, tarot, numerology, and compatibility screens), in the Application's Settings, and on content shared outside the Application (e.g., a watermark on an exported reading image).

8.3. For users in California, this disclosure also satisfies the requirements of the California "B.O.T. Act" (Cal. Bus. & Prof. Code §§ 17940–17943, enacted as SB 1001, in force since 1 July 2019): the badge and introductory disclosure described above are clear, conspicuous, and reasonably designed to inform you that you are interacting with a bot, so that Lunoria's conversational persona is never mistaken for a human being for the purpose of that statute.

9. Prohibited uses and content moderation

9.1. It is prohibited to:

• Use the Application in a manner contrary to law or these Terms.
• Attempt to interfere with the Application's code or infrastructure, automatically scrape data, access the Application programmatically bypassing its standard interface, or circumvent the query limits assigned to a plan (including by creating new sessions, clearing local data, or using multiple devices in order to repeatedly obtain the free plan's limit).
• Attempt to manipulate the AI system in order to bypass its operating rules (so-called jailbreaking, prompt injection), including attempts to extract the model's system prompt.
• Post content that incites hatred, sexual content involving minors (zero tolerance), or other content clearly contrary to law.
• Post personal data of third parties without their consent, including for the purpose of publicizing it or harassing them (doxxing).
• Attempt to extract regulated advice (medical, financial, legal) from the AI as if it were fact, or attempt to bypass the crisis-detection mechanism by framing a question as part of a "reading."
• Use content generated by the AI to build competing models or services.

9.2. In the event of a breach of point 9.1, or upon detecting content that breaches the Service's safety rules (including the situations described in Sections 2.3–2.4), the Provider is entitled to: refuse to generate a response, replace it with a safety message, end the conversation thread, limit the number of queries available to a given session, and block access to the Service from a given device — to the extent and for the duration proportionate to the severity of the breach. These mechanisms operate on the basis of automated content analysis; conversations are not reviewed by a human in real time.

9.3. The Application is not intended for use in situations of acute risk to life or health — in such cases, contact emergency services or the crisis line indicated in the Application immediately.

10. Reporting content

10.1. A "Report content" feature is available under every AI message in a conversation with Lunoria, allowing the User to report content they consider inappropriate (e.g., offensive or harmful). Using this feature is voluntary.

10.2. Reporting is the only exception to the rule that the content of a conversation with Lunoria does not reach our servers (Section 4 and the Privacy Policy) — the reported excerpt of the conversation is, in that case, transmitted to the Provider for review. The retention period for reported content is described in the Privacy Policy, in the "How long we keep your data" section.

10.3. The Provider reviews reports without undue delay, in the order received — we do not, however, commit to a specific review deadline. Because of the anonymous nature of sessions (Section 4.1), we are generally unable to inform the User of the outcome of a report — unless the User voluntarily provides a contact address when submitting the report.

10.4. The "Report content" feature is a voluntary element of our internal content-safety policy, not a notice-and-action mechanism within the meaning of EU Regulation 2022/2065 (the Digital Services Act, DSA). Lunoria is not an online platform within the meaning of the DSA: content in the Application is generated by the Provider (an AI system), not by other users; the Application does not distribute content publicly or between users; and conversations — other than reports described in this section — are not stored on the Provider's servers.

11. Intellectual property

11.1. Data entered by the User (date of birth, message content) remains the User's property. The User grants the Provider a non-exclusive, limited licence to process that data solely to provide the Service (including transmitting it to the AI model to generate a response).

11.2. The code, design, trademarks (including the name "Lunoria"), and content generated by the Application's AI system are the property of LUMA Sp. z o.o. or are licensed from third parties. The User receives a non-exclusive licence to use generated readings solely for personal, non-commercial use.

12. Limitation of liability

12.2. The Provider is not liable for indirect or consequential damages, lost profits, or non-material damage arising from use of the Application, except for damage to life/health, intentional wrongdoing, and gross negligence.

12.3. The Provider does not guarantee uninterrupted, error-free operation of the Application or one-hundred-percent accuracy of AI-generated content.

13. Changes to these Terms

13.1. The Provider may amend these Terms for good cause (a change in law, in the Service's functionality, or in sub-processors' terms). Users will be notified of changes at least 30 days before they take effect.

13.2. A change affecting the rights or obligations of a User with an active subscription (including a change to the subscription price) takes effect only after the User's express acceptance of the new terms. If the User does not accept the change before it takes effect, the User has the right to terminate the subscription agreement with immediate effect and to a refund of the proportionate part of the fee for the unused part of the paid billing period. The User's silence is not treated as acceptance of the change. Changes that do not affect Users' rights and obligations (e.g., editorial clarification of the text, a change to the Provider's contact details) take effect after the period referred to in point 13.1, without requiring separate acceptance, and a User who disagrees may delete their data before the change takes effect (Section 4.3).

14. Governing law and dispute resolution

14.1. These Terms are governed by Polish law, subject to point 14.2.

14.2. Consumer protection (EU Regulation Rome I 593/2008, EU Regulation Brussels Ia 1215/2012): if the User is a consumer habitually resident in another EU Member State, the choice of Polish law does not deprive them of the protection afforded by the mandatory rules of the law of their country of residence. As a matter of general conflict-of-laws principle recognized in most jurisdictions worldwide, including the United States and Australia — even where no directly equivalent regulation to Rome I applies — a contractual choice of Polish law likewise does not deprive a consumer of the protection of mandatory consumer-protection rules of their country or state of habitual residence that cannot be excluded by agreement. Sections 17 and 18 give this principle concrete effect for United States and Australian consumers respectively by expressly preserving specific non-waivable rights, rather than leaving the point to abstract doctrine alone.

14.3. Disputes will first be resolved amicably. Consumers may also use out-of-court consumer dispute resolution (ADR) through the competent national ADR body in the consumer's country of residence (in Poland, among others, the Provincial Trade Inspectorates, municipal/county consumer ombudsmen, or an ADR entity listed by the President of the Office of Competition and Consumer Protection (UOKiK), available at uokik.gov.pl). For US and Australian consumers, out-of-court and in-court remedies are further addressed in Sections 17 and 18.

14a. Language of this Agreement

Today, this Agreement and the Privacy Policy are published in five language versions: Polish, English, German, French, and Spanish. Each of these five versions is an authentic, legally binding text of this Agreement. None is a mere translation of another provided for informational purposes only, and none takes automatic precedence over the others simply by virtue of being the language in which the Agreement was originally drafted.

Resolved gap, kept here for the record: an earlier version of this Agreement noted that French, German, and Spanish versions did not yet exist, so a German- or Spanish-speaking user of the Application's in-app interface (already available in those languages) had to read this binding legal document in English or Polish. That gap is closed — French, German, and Spanish versions are now published, linked above, and each governs your agreement with us in the language you were presented with and accepted, subject to the non-waivable rights described below and in Section 14.

If you are a resident of the Province of Quebec, Canada, you have the right to receive, and to enter into, this Agreement in French, and the French version is now published (linked above) and available to you at any time. What is not yet in place is the geography-based (not browser-language) mechanism that would automatically present the French version to a Quebec resident before any other language version, as required by the Charter of the French Language (CQLR c. C-11), as amended — see the flagged note below. Until that routing mechanism exists, a Quebec resident who reaches this website or the Application without deliberately navigating to /fr/terms/ may be shown a different language version first. If you expressly choose to proceed in another available language after having independently located the French version, that choice — and the language version you chose — governs your individual agreement with us for interpretation purposes, without affecting any right the Charter grants you.

For all other Users, the language version in which you were presented with, and accepted, this Agreement (whether through the Application or on our website) governs your individual agreement with us for interpretation purposes. If you are a consumer resident in the European Union or the United Kingdom, or in any jurisdiction whose law grants you a non-waivable right to receive contractual documents in an official language of your place of habitual residence, nothing in this clause limits or displaces that right, and the version of this Agreement in that official language (where published) will be used to assess our compliance with it.

If a genuine, material discrepancy is identified between two language versions of a provision, and it cannot be resolved by reference to the version you individually accepted under the paragraphs above, we will correct the discrepant version and will not enforce the discrepant term against you to your detriment for the period before the correction.

15. Apple App Store minimum EULA terms

15.1. To the extent the Application is distributed through the Apple App Store, these Terms serve as the end user licence agreement ("EULA") in place of Apple's standard licence (Apple Licensed Application End User License Agreement), in accordance with the Apple Media Services Terms and Conditions. The following provisions apply in addition to, and independently of, the other provisions of these Terms:

• Parties to the agreement. This licence agreement is entered into solely between the User and LUMA Sp. z o.o. — Apple is not a party to it and bears no responsibility for the Application or its content.
• Scope of the licence. The licence is non-exclusive, non-transferable, and limited to use of the Application on Apple-branded devices owned or controlled by the User, in accordance with the Usage Rules set out in the Apple Media Services Terms and Conditions.
• Maintenance and support. Maintenance and technical support for the Application are the sole responsibility of LUMA Sp. z o.o., to the extent required by applicable law — not Apple.
• Warranty. Apple has no warranty obligation whatsoever with respect to the Application. In the event the Application fails to conform to any applicable warranty, the User may notify Apple, and Apple will refund the purchase price of the Application (if paid) — this is the sole warranty obligation Apple has to the User; any other claims relating to non-conformity with a warranty are governed by these Terms.
• Product claims. LUMA Sp. z o.o., not Apple, is responsible for addressing any claims by the User or a third party relating to the Application or its use, including: (i) product liability claims, (ii) any claim that the Application fails to conform to any applicable legal or regulatory requirement, and (iii) claims arising under consumer-protection law.
• Intellectual property. In the event of a third-party claim that the Application, or the User's use of it, infringes that party's intellectual property rights, LUMA Sp. z o.o. is solely responsible for the investigation, defence, settlement, and discharge of any such claim.
• Export-law compliance. The User represents that they are not located in a country subject to a US government embargo, and is not listed on any US government list of prohibited or restricted parties.
• Developer contact details. Questions, complaints, and claims relating to the Application should be directed to: LUMA Sp. z o.o., ul. Gawronia 15, 04-785 Warsaw, Poland, [email protected] (see also Section 16, Contact).
• Third-party beneficiary. Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms with respect to this Section 15 and, upon the User's acceptance of these Terms, are entitled to enforce these provisions against the User as a third-party beneficiary.

15.2. This section does not apply to the version of the Application distributed as a PWA (outside the App Store) or to the version distributed through Google Play.

15.3. The Application is currently distributed through Google Play (Android). The provisions of this Section 15 — which concern only the Apple App Store — do not currently apply, because the Application is not yet distributed through the Apple App Store; they will begin to apply once the Application is actually made available in that store.

16. Contact

LUMA Sp. z o.o., ul. Gawronia 15, 04-785 Warsaw, Poland (KRS: 0001244636, NIP: 9522285489, REGON: 544875680) · email: [email protected]

17. United States-specific terms

This Section 17 applies only to Users who are consumers residing in the United States, and supplements — without replacing — the rest of this Agreement. In the event of a conflict between this Section and any other provision of this Agreement as applied to a US consumer, this Section controls.

17.1 Non-waivable consumer rights preserved. Nothing in this Agreement — including Section 14 (Governing Law) — is intended to, and shall not be construed to, waive, limit, or displace any consumer-protection right that applicable state or federal law makes non-waivable by contract, including (without limitation) rights under the California Consumers Legal Remedies Act (Cal. Civ. Code § 1750 et seq.). Where a provision of this Agreement would otherwise limit such a non-waivable right, that provision is void to that limited extent only, and the remainder of this Agreement remains in full force.

17.2 Entertainment purpose; no professional advice; no medical or psychological practice. Lunoria's content (chat responses, horoscopes, tarot readings, numerology and compatibility analyses) is generated by artificial intelligence for entertainment purposes only. It does not diagnose, treat, or provide medical, psychological, financial, or legal advice, and does not create any professional relationship. You should not rely on Lunoria's output for any decision affecting your health, finances, or legal rights, and should consult a licensed professional instead.

17.3 Subscriptions — automatic renewal disclosure (ROSCA / state Automatic Renewal Laws). If you purchase a Plus or Premium subscription, it will automatically renew at the then-current price for successive periods of the same length (monthly or annual, as selected) unless you cancel before the end of the current period. The price, billing frequency, and cancellation method are disclosed to you before you complete your purchase, on the same screen where you confirm payment. You may cancel at any time: (a) if you purchased through the Apple App Store or Google Play, by using that store's own subscription-management interface (a link to which is provided in the Application's Settings), which does not require contacting us; (b) if you purchased through our website, in the Application's Settings, using a mechanism no more difficult than the one used to subscribe. Cancellation takes effect at the end of the then-current billing period and does not entitle you to a refund of amounts already paid for that period, except as required by law or as stated in our Subscription Terms.

17.3a Free access window ("welcome window") is not a paid free trial. The Application may offer a time-limited period of complimentary access to premium features ("welcome window") that does not require payment-card details and does not automatically convert into a paid subscription — it simply lapses to the Free plan at the end of the window. Because no card is collected and no charge is ever made without your own, separate, affirmative purchase action, this feature does not trigger the additional pre-conversion reminder obligations that some US state laws (for example California's 2025 Automatic Renewal Law amendments, AB 2863) impose specifically on trials that are converted automatically into a paid subscription by charging a card collected at trial sign-up. If we ever introduce a card-collected paid trial that auto-converts, we will update this Agreement and our purchase flow to add the applicable pre-conversion reminder before doing so.

17.4 Dispute resolution; no mandatory arbitration in this version. This Agreement does not currently include a binding arbitration clause or a class-action waiver. We may introduce one in a future version of this Agreement; if we do, it will be adopted only after review by US consumer counsel to ensure it meets the conspicuousness and opt-out requirements of applicable arbitration-provider rules (e.g., AAA, JAMS) and the Federal Arbitration Act, and you will be notified and asked to accept it in accordance with Section 13. Until then, disputes proceed as described in Sections 7 and 14 above.

17.5 Limitation of liability — US-specific restatement. To the maximum extent permitted by law, and without limiting Section 17.1 above, our total liability to you arising out of or relating to this Agreement or the Application is limited to the greater of (a) the amounts you paid us in the 12 months preceding the event giving rise to the claim, or (b) USD 100. This limitation does not apply to liability that cannot be limited under applicable law, including liability for gross negligence, willful misconduct, fraud, or death or personal injury caused by our negligence. This USD 100 figure is a restatement appropriate to the US market of the EUR 100 floor in Section 12.1 of the general Terms above, not a currency conversion of it; only one of the two floors — the one that corresponds to the country whose mandatory law governs your specific claim — applies to any given US consumer's claim.

17.6 Forum. We do not require a US consumer to bring a claim arising under a non-waivable US federal or state consumer-protection statute exclusively before the courts of Poland. Nothing in Section 14 is intended to deny a US consumer access to a remedy that applicable law makes available to them in their own state or federal courts.

18. Australia-specific terms

This Section 18 applies only to Users who are consumers residing in Australia, and supplements — without replacing — the rest of this Agreement. In the event of a conflict between this Section and any other provision of this Agreement as applied to an Australian consumer, this Section controls.

18.1 Australian Consumer Law guarantees cannot be excluded. Our services come with guarantees that cannot be excluded under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth), the "ACL"), including guarantees that services will be provided with due care and skill and will be reasonably fit for any purpose you told us about. Section 12 (Limitation of liability) and Section 17.5 above are not intended to, and do not, limit, restrict, or modify any guarantee, right, or remedy conferred on you by the ACL, and any wording elsewhere in this Agreement that could otherwise be read to do so is void to that extent under ACL section 64. This is because ACL section 64A — which in some circumstances allows a supplier to limit its liability for breach of a consumer guarantee to the cost of re-supplying the service — is not available to us: it does not apply to services, like Lunoria, that are of a kind ordinarily acquired for personal, domestic, or household use, regardless of price.

18.2 What Section 12/17.5 does still cover for Australian consumers. The liability floor described in Section 12.1 and restated in Section 17.5 continues to apply, for Australian consumers, only to claims that do not amount to a failure to meet a consumer guarantee under the ACL — for example, an ordinary claim for breach of a contract term that is not also a statutory guarantee, where such a limitation is not otherwise prohibited by law. For clarity and consistency with the rest of this Agreement, we treat the applicable floor for such claims as AUD 150, restated from the EUR/USD figures above on the same non-conversion basis described in Section 17.5, and subject to the same carve-outs (no limitation for gross negligence, willful misconduct, fraud, or death or personal injury).

18.3 Unfair contract terms. Under Part 2-3 of the ACL, a term of a standard form consumer contract is void if it is "unfair" — broadly, if it causes a significant imbalance in the parties' rights and obligations, is not reasonably necessary to protect our legitimate interests, and would cause detriment to you if relied on. We do not intend any term of this Agreement to operate as an unfair contract term, and no term of this Agreement should be relied on by us to the extent a court or tribunal determines it is unfair within the meaning of the ACL.

18.4 Complaints and dispute resolution. In addition to the complaints procedure in Section 7, Australian consumers may also raise unresolved disputes with the Australian Competition and Consumer Commission (ACCC) or, for privacy-related concerns, the Office of the Australian Information Commissioner (OAIC) — see the Privacy Policy for details relevant to privacy complaints specifically. We do not require an Australian consumer to bring a claim arising under the ACL exclusively before the courts of Poland.