LICENSE

Lumiwealth Inc. Proprietary Software License and Disclaimer
IMPORTANT NOTICE: By using Lumiwealth Inc.'s Investment Algorithm Software ("Software"), you, the licensee, agree to be bound by the terms of this Proprietary Software License ("License"). If you do not agree to these terms, do not use the Software.

1. Grant of License
Subject to the terms of this License, Lumiwealth Inc. grants you a non-exclusive, non-transferable, limited license to use the Software solely for research and educational purposes. This License does not grant you any rights to use the Software for commercial purposes, redistribution, or modification.

2. No Investment Advice
The Software is a research tool and not intended to provide investment advice. Lumiwealth Inc. is not a licensed investment advisor. The Software should not be the sole basis for any investment decisions. You are solely responsible for assessing the suitability of using the Software for any investment decision.

3. Disclaimer of Warranties
THE SOFTWARE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. Lumiwealth Inc. makes no warranties regarding the Software's accuracy, reliability, or correctness. Use of the Software is at your own risk.

4. Limitation of Liability
Lumiwealth Inc. shall not be liable for any damages, including but not limited to, direct, indirect, special, or consequential damages arising out of the use or inability to use the Software, even if advised of the possibility of such damages.

5. Indemnification
You agree to indemnify, defend, and hold harmless Lumiwealth Inc., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the Software.

6. Governing Law
This License is governed by the laws of the State of Delaware, without regard to its conflict of law principles.

7. Termination
This License is effective until terminated. Your rights under this License will terminate automatically without notice from Lumiwealth Inc. if you fail to comply with any of its terms.

8. Acknowledgment
BY USING THE SOFTWARE, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS LICENSE, UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS.

9. Contact Information
For questions about this License, please contact Lumiwealth Inc. at rob@lumiwealth.com.

10. Non-Advisory Notice
Lumiwealth Inc.'s Software is for informational purposes only and not intended as investment advice. The use of the Software does not imply a recommendation or endorsement of any investment strategy.

11. Intellectual Property
All rights, title, and interest in and to the Software remain with Lumiwealth Inc. Unauthorized use, distribution, or reproduction of the Software is prohibited.

12. Entire Agreement
This License constitutes the entire agreement between you and Lumiwealth Inc. regarding the Software's use, superseding any prior agreements.

13. Modifications to the License
Lumiwealth Inc. reserves the right to modify or replace this License at any time, at its sole discretion, without any obligation to provide notice of such changes to users. Your continued use of the Software after any changes to the License constitutes your binding acceptance of such changes. It is your responsibility to review this License periodically for any modifications.

Disclaimer:

This strategy and code are for educational purposes only. Lumiwealth Inc. is not a licensed investment advisor. The strategy and code are not intended to be used with real money or as investment advice. They are tools for financial analysis and not a recommendation for any specific investment or financial strategy. Users must consult with a qualified financial professional before making any investment decisions. Lumiwealth Inc. makes no warranties about the Software's correctness or effectiveness and is not liable for any financial losses or damages resulting from its use.