Legal Disclaimers

Lunaeum Fund operates exclusively as a reward-based and donation-based crowdfunding venue. Campaign creators offer perks, acknowledgments, or other non-financial rewards in exchange for contributions. Contributors do not receive any financial return, interest, dividends, profit share, or equity as a result of their contribution.

Because no securities are offered or sold, contributions on this platform are not governed by the Securities Act of 1933, the Securities Exchange Act of 1934, or Regulation Crowdfunding (17 CFR Part 227). No SEC registration statement has been filed nor is required for campaigns listed on this platform under the current reward-only structure.

• You are not purchasing stock, equity, or ownership in any company.
• You are not making a loan or purchasing debt.
• You are not entitled to any future revenue, profits, or financial return.
• Your contribution may be entirely consumed by the project with no tangible output delivered.
• There is no guarantee the project will be completed or that any reward will be delivered.
• Contributions are generally non-refundable once a campaign funding target is reached and the milestone is released.

Contributing to crowdfunding campaigns carries significant risks, including but not limited to:

• Project failure: The project may fail to achieve its stated goals.
• Creator insolvency: The campaign creator may become insolvent or cease operations.
• Reward non-delivery: Rewards may not be delivered on time or at all.
• Misrepresentation: Campaign descriptions may contain inaccurate or misleading information that we cannot fully verify.
• Illiquidity: Contributions are not transferable and cannot be resold or exchanged.
• Regulatory change: Laws governing crowdfunding may change in ways that adversely affect this platform or campaigns.
• Technology risk: Platform outages, cybersecurity events, or data breaches may occur.

Before a milestone funding target is reached: You may request cancellation of your contribution within 48 hours of the original transaction by contacting us directly. We will use commercially reasonable efforts to process eligible refunds.

After a milestone funding target is reached: Contributions are released to campaign creators and are generally non-refundable. Lunaeum Fund is not liable for any failure by a creator to deliver promised rewards after funds have been released.

Subscriptions: Recurring membership subscriptions may be cancelled at any time. Cancellation takes effect at the end of the current billing cycle. No partial refunds are issued for unused subscription periods.

Lunaeum Fund is not registered with the SEC as a broker-dealer or funding portal under Section 4(a)(6) of the Securities Act (Regulation Crowdfunding / Reg CF). Accordingly, no equity or debt securities may be offered or sold through this platform.

If at any future date Lunaeum Fund or any affiliated entity intends to facilitate offerings of securities (including revenue-sharing arrangements, convertible notes, SAFEs, or equity interests), such offerings will:

• Be conducted exclusively through an SEC-registered broker-dealer or FINRA-registered funding portal;
• Include a full Form C filing or other applicable disclosure document;
• Comply with all applicable investment limits under 17 CFR § 227.100;
• Be subject to a 21-day minimum offering period with full cancellation rights; and
• Comply with all applicable state blue sky laws.

Until such registration is obtained, any representation suggesting that contributions on this platform constitute a securities investment is incorrect and should be disregarded.

Lunaeum Fund is not a member of the Financial Industry Regulatory Authority (FINRA) and is not a registered broker-dealer. No person associated with this platform is acting as a broker or dealer in connection with any campaign on this platform. Compensation received by Lunaeum Fund is limited to platform service fees and does not constitute transaction-based compensation for the sale of securities.

Nothing on this platform constitutes financial, investment, legal, or tax advice. The GREAT PUNCH framework, GPCS scores, VAL(x) calculations, SNI scores, and any other proprietary metrics displayed on campaigns are informational and analytical tools only — they are not valuations, appraisals, or investment recommendations. Past performance and analytical scores do not guarantee future results. Contributors should perform their own due diligence and consult qualified professionals before making any financial decisions.

Backer rewards and perks offered by campaign creators are not pre-ordered products or guaranteed deliverables. They are incentives offered by creators to thank supporters. Delays, changes, or unforeseen complications may prevent creators from fulfilling their intended rewards. Lunaeum Fund is not responsible for the delivery, quality, or timing of any reward offered by a campaign creator. By contributing, you acknowledge and accept this risk.

Contributions made on Lunaeum Fund are not tax-deductible as charitable donations unless the receiving entity is a registered 501(c)(3) nonprofit organization and the campaign explicitly states so with supporting documentation. The receipt of a reward or perk in exchange for a contribution may further reduce or eliminate any deductible amount. Please consult a qualified tax professional regarding your specific situation.

Lunaeum Fund complies with applicable Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) obligations as administered by the Financial Crimes Enforcement Network (FinCEN). We reserve the right to implement Know Your Customer (KYC) identity verification for campaign creators and contributors as required by law or as necessary to maintain platform integrity.

We may suspend, freeze, or terminate accounts and campaigns suspected of facilitating money laundering, fraud, terrorist financing, or other illegal activity. Suspicious activity may be reported to relevant law enforcement authorities.

All payments are processed through secure, PCI-DSS-compliant third-party payment processors. Lunaeum Fund does not store payment card numbers or sensitive financial credentials. Funds are held and distributed in accordance with our milestone-based campaign terms. Contributions are subject to the terms and conditions of our payment processor. In the event of a payment dispute or chargeback, Lunaeum Fund reserves the right to suspend or terminate the associated account.

We collect personal and financial data necessary to operate this platform in accordance with applicable privacy laws including the California Consumer Privacy Act (CCPA), the General Data Protection Regulation (GDPR), and CAN-SPAM. We do not sell your personal data to third parties.

California residents have the right to request disclosure, deletion, and opt-out of the sale of personal information under CCPA. EU/UK residents have rights including access, rectification, erasure, and portability under GDPR. To exercise these rights, contact us directly.

The following campaign types are strictly prohibited on Lunaeum Fund:

• Any campaign offering securities, equity, debt, or financial returns of any kind
• Campaigns promoting illegal activity
• Campaigns involving weapons, controlled substances, or prohibited materials
• Misleading, fraudulent, or deceptive campaigns
• Campaigns violating Apple App Store Review Guidelines or Google Play Developer Policy
• Campaigns targeting vulnerable populations with exploitative messaging

This application is designed to comply with Apple App Store Review Guidelines and Google Play Developer Policy. We prohibit misleading, deceptive, or non-compliant fundraising activity on this platform. All in-app purchases and subscriptions comply with Apple and Google billing policies where applicable. Campaigns found to violate these standards will be removed immediately.

These disclosures and your use of Lunaeum Fund are governed by the laws of the United States and the State of [Applicable State], without regard to conflict-of-law provisions. Any disputes arising from use of this platform shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), except where prohibited by law. Nothing herein waives any rights under applicable consumer protection statutes.

Lunaeum Fund is actively evaluating a path toward becoming a SEC-registered Reg CF Funding Portal and FINRA member to enable lawful startup equity and seed funding campaigns. Until that registration is complete and publicly confirmed, no securities of any kind may be offered or sold through this platform.

Required steps before any equity/seed offering goes live:

• File Form Funding Portal with the SEC via EDGAR
• Obtain FINRA Funding Portal membership (application + fees)
• Establish a qualified third-party escrow agent (investor funds never held by platform)
• Implement Form C filing workflow for each issuer startup
• Build investor limit enforcement (non-accredited: 10% of income/net worth if both ≥$124K; otherwise $2,500 or 5%)
• Implement issuer "bad actor" background check procedures
• Produce Written Supervisory Procedures (WSP) manual per FINRA Funding Portal Rule 300
• Enforce 21-day minimum offering period and 48-hour investor cancellation rights
• File annual gross revenue report with FINRA by March 1 each year

⚠ None of the above steps have been completed as of June 2026. All current campaigns are strictly reward-based.

When and if Lunaeum Fund completes Reg CF registration, the following SEC-mandated investor limits will apply to non-accredited investors across all Reg CF offerings in any 12-month period:

Securities purchased under Reg CF generally cannot be resold for one year. These limits apply per calendar year across all Reg CF platforms combined, not just Lunaeum Fund.