Terms of Service

Acceptance of Terms

These Terms of Service (the 'Terms') govern your access to and use of the website noorimasjid.org, including all content, features, and services offered thereon (collectively, the 'Site'). The Site is operated by Luminous Ledger, owned by Rebecca Andrews, 2615 Medical Center Pkwy, Murfreesboro, TN 37129, United States of America ('Luminous Ledger', 'we', 'us', or 'our'). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Site.

Definitions

'Content' means all text, data, articles, reviews, analyses, graphics, images, and other materials available on or through the Site. 'User' or 'you' means any person or entity who accesses or uses the Site. 'Services' means the informational and educational resources provided by Luminous Ledger, including cryptocurrency research, token analysis, exchange reviews, airdrop listings, and trading guides.

Eligibility and Geographic Restrictions

You represent and warrant that you are at least 18 years of age or the age of majority in your jurisdiction, whichever is higher, and have the legal capacity to enter into these Terms. You may not use the Site if you are barred from doing so under applicable law, including but not limited to U.S. sanctions and export control laws. Access to certain Content or Services may be restricted based on your location, regulatory status, or other eligibility criteria.

Account Registration and Security

We may offer or require user accounts for certain features. If you create an account, you agree to provide accurate, current, and complete information and to maintain the security of your credentials. You are responsible for all activities that occur under your account. You must promptly notify us of any unauthorized access or suspected breach of security.

Services and Content

Luminous Ledger provides educational and informational Content related to blockchain, cryptocurrency, Web3, DeFi, coin listings, token analysis, exchange reviews, and airdrop information. We do not provide brokerage, investment advisory, legal, tax, or accounting services, and we do not custody, transmit, or execute transactions in any digital assets.

Financial and Investment Disclaimer

All Content is provided for general informational and educational purposes only and does not constitute financial, investment, trading, legal, or tax advice. You should not base any investment decision on the Content. Consult your own qualified professional advisors before making any financial decisions. Luminous Ledger is not a registered broker-dealer, investment adviser, commodity trading advisor, or money transmitter, and no fiduciary relationship is created by your use of the Site.

Airdrops, Tokens, and Regulatory Compliance

Listings of airdrops, tokens, and other crypto opportunities are provided for informational purposes only and do not constitute an endorsement, recommendation, solicitation, or guarantee. Participation in airdrops or token offerings may be subject to eligibility criteria, KYC/AML screening, tax obligations, and legal restrictions in your jurisdiction. You are solely responsible for understanding and complying with all applicable laws, including U.S. federal, state, and local laws and regulations.

Digital assets involve a high degree of risk, including potential loss of principal, extreme volatility, illiquidity, regulatory changes, smart contract failures, hacking, fraud, and market manipulation. You assume all risks associated with using or relying on the Content.

Third-Party Services and Affiliates

The Site may reference third-party services, platforms, exchanges, wallets, or applications. We do not control and are not responsible for any third-party products, services, or websites. Your interactions with third parties are solely between you and the third party, and subject to their terms and policies.

We may receive compensation (including through affiliate relationships) when you engage with certain third parties referenced on the Site. Such relationships do not influence our commitment to providing clear and unbiased research; however, you should assume we may have a financial interest in certain content and conduct your own independent evaluation.

User Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law or regulation.
• Infringe or violate the intellectual property, privacy, or other rights of Luminous Ledger or any third party.
• Attempt to gain unauthorized access to the Site or related systems, or disrupt, interfere with, or negatively affect the operation of the Site.
• Introduce viruses, malware, or other harmful code.
• Scrape, crawl, harvest, or use automated means to access the Site except as permitted by robots.txt or our written consent.
• Misrepresent your identity or affiliation or submit false or misleading information.

Intellectual Property Rights

The Site and all Content are owned by or licensed to Luminous Ledger and are protected by U.S. and international copyright, trademark, and other intellectual property laws. Except as expressly permitted in these Terms, you may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any Content without our prior written consent.

License to Use the Site

Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Site for your personal, non-commercial use. Any use of the Site or Content not expressly permitted by these Terms is a breach and may violate intellectual property laws.

User-Generated Content

If the Site enables you to submit, post, or transmit content ('User Content'), you represent that you own or have the necessary rights to such User Content and that it does not violate any laws or third-party rights. By submitting User Content, you grant Luminous Ledger a worldwide, royalty-free, perpetual, irrevocable, transferable, and sublicensable license to use, host, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in connection with the Site and our business. We reserve the right to remove or modify any User Content at our discretion.

Market Data, Accuracy, and Availability

Content may include market data, pricing information, listings, forecasts, or analyses that are obtained from third-party sources or based on methodologies that may change without notice. We do not warrant the accuracy, completeness, timeliness, or reliability of any Content. The Site may be updated, corrected, suspended, or discontinued at any time without notice.

Payment, Subscriptions, and Refunds

We may offer paid features, subscriptions, or premium content. Prices, billing cycles, and terms will be disclosed at the point of purchase. Unless otherwise stated, all fees are non-refundable to the fullest extent permitted by law. You authorize us and our payment processors to charge your designated payment method for all fees incurred. You are responsible for any taxes associated with your purchases.

Privacy and Data Protection

Your use of the Site is subject to our privacy practices, which describe how we collect, use, disclose, and safeguard personal information. By using the Site, you consent to the collection and processing of information as described therein. We may use cookies and similar technologies to operate and improve the Site.

Security and Responsible Disclosure

We implement reasonable administrative, technical, and physical safeguards designed to protect the Site and Content. However, no method of transmission or storage is completely secure. If you believe you have discovered a security vulnerability, please contact us at [email protected] and provide sufficient details to help us investigate.

Copyright Infringement and DMCA Notice

We respect intellectual property rights and will respond to clear notices of alleged infringement under the Digital Millennium Copyright Act ('DMCA'). If you believe that Content on the Site infringes your copyright, please send a written notice including: (1) your physical or electronic signature; (2) identification of the copyrighted work claimed to be infringed; (3) identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it; (4) your contact information; (5) a statement that you have a good-faith belief that use of the material is not authorized; and (6) a statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the owner.

Send DMCA notices to: Rebecca Andrews, Attn: DMCA Agent, 2615 Medical Center Pkwy, Murfreesboro, TN 37129, United States of America; Email: [email protected].

Termination and Suspension

We may suspend or terminate your access to the Site, remove Content, or disable features at any time for any reason or no reason, including if we believe you have violated these Terms or applicable law. Upon termination, your right to use the Site will cease immediately, but the following sections will survive: Intellectual Property Rights, Disclaimers, Limitation of Liability, Indemnification, Governing Law, Dispute Resolution, and any other provisions that by their nature should survive.

Disclaimers of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LUMINOUS LEDGER, REBECCA ANDREWS, OR THEIR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

Indemnification

You agree to defend, indemnify, and hold harmless Luminous Ledger, Rebecca Andrews, and their affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Site, your violation of these Terms, or your violation of any rights of another.

Export Controls and Sanctions Compliance

You represent and warrant that you are not located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive U.S. embargoes, and that you are not a person subject to U.S. government sanctions. You agree to comply with all applicable export control, sanctions, and anti-boycott laws and regulations of the United States and other applicable jurisdictions.

Governing Law and Venue

These Terms and any dispute, claim, or controversy arising out of or related to them or the Site shall be governed by and construed in accordance with the laws of the State of Tennessee and the United States of America, without regard to conflict of laws principles. Subject to the Binding Arbitration section, the state and federal courts located in or serving Rutherford County, Tennessee shall have exclusive jurisdiction and venue for any permitted court proceedings.

Binding Arbitration and Class Action Waiver

To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or relating to these Terms or the Site shall be resolved by binding arbitration on an individual basis. The arbitration shall be administered by a reputable arbitration provider and conducted in English in Rutherford County, Tennessee, under applicable consumer arbitration rules. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

YOU AND LUMINOUS LEDGER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

Opt-Out: You may opt out of this arbitration provision by sending written notice to [email protected] within 30 days of first accepting these Terms, stating your full name, contact information, and your clear intent to opt out. If you opt out, you agree to the exclusive jurisdiction and venue provisions above.

If the class action waiver is found unenforceable, the entirety of this arbitration provision shall be null and void, and disputes shall be resolved in court as set forth under Governing Law and Venue.

Electronic Communications and Notice

By using the Site, you consent to receive communications from us electronically, including emails and notices posted on the Site. You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.

Changes to the Services and Terms

We may modify, update, or discontinue the Site or any Content at any time without notice. We may also revise these Terms from time to time. The 'Last Updated' date indicates when these Terms were last revised. Your continued use of the Site after any changes to the Terms constitutes acceptance of the revised Terms.

Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision under these Terms shall not constitute a waiver of such right or provision.

Entire Agreement

These Terms constitute the entire agreement between you and Luminous Ledger regarding the Site and supersede all prior or contemporaneous understandings and agreements, whether written or oral, relating to the subject matter hereof.

Contact Information

Luminous Ledger (Owner: Rebecca Andrews)

2615 Medical Center Pkwy, Murfreesboro, TN 37129, United States of America

Email: [email protected]

If you have questions about these Terms, please contact us using the information above.