Effective Date: 14 May, 2026 (last updated)

Welcome to Luna3.ai. By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

1. No Financial Advice (Critical Disclosure)

Luna3.ai is an informational and educational platform only. We are not licensed financial advisors, brokers, or tax professionals.

• None of the content on this site—including market news, technical analysis, or reviews—constitutes personalized investment advice.
• Investment Risk: All trading and investing involve significant risk of loss. You should perform your own due diligence and consult with a licensed professional before making any financial decisions.

2. Use of Artificial Intelligence

Luna3.ai uses artificial intelligence tools across our content and publishing workflow. This includes using AI to help draft article summaries, key-points boxes, and research briefs from publicly available financial data, and to power site features such as the stock screener and interactive charts.

• Editorial review: All AI-assisted content is reviewed and revised by our editorial team before publishing. No AI-generated text goes live without a human check.
• Accuracy: While we strive for precision, AI models can occasionally produce errors or “hallucinations.” We provide content on an “as-is” basis and do not guarantee its completeness, timeliness, or accuracy.
• Liability: Ayr 122 Pty Ltd is not liable for any financial losses resulting from errors or omissions in our AI-assisted content.
• AI provider: We use Claude, developed by Anthropic, as our primary AI writing and research assistant. Luna3.ai is not affiliated with Anthropic.

3. Intellectual Property

All original analysis, branding, and proprietary research on Luna3.ai are the property of Ayr 122 Pty Ltd.

• Limited License: You may share “snippets” of our content on social media, provided you include a direct, clickable link back to Luna3.ai.
• Prohibited Use: You may not scrape, redistribute, or sell our full reports or data without prior written consent.

4. Limitation of Liability

To the maximum extent permitted by Australian law, Ayr 122 Pty Ltd and its directors shall not be liable for any direct, indirect, or consequential damages arising from your use of this website. This includes, but is not limited to, trading losses, data loss, or business interruption.

5. External Links

We frequently link to external financial platforms, brokers, or news sources. We do not endorse or take responsibility for the content, security, or products found on these third-party sites. Use them at your own risk.

6. Affiliate Disclosures and Monetization

Luna3.ai earns part of its revenue through affiliate marketing partnerships with online brokers, trading platforms, financial education providers, and data tools. When you click certain links on Luna3.ai and complete an action with a third-party partner — such as opening a brokerage account or subscribing to a paid tool — that partner may pay Ayr 122 Pty Ltd a referral commission. There is no additional cost to you; the commission is paid by the partner.

• Identification: Affiliate links carry the HTML attribute rel="nofollow sponsored" per Google’s Webmaster Guidelines. Prominently placed affiliate links — such as “Trade” buttons on our stock screener or partner logo bars — are visually labelled as broker or partner recommendations.
• Partners: We may earn affiliate commissions from online brokers, trading and charting platforms, financial education products, and financial data providers. Where a specific partner is featured in an individual article, the relationship is disclosed within that article.
• Editorial independence: Our editorial decisions are not influenced by affiliate relationships. We do not feature partners we have not evaluated. We do not adjust ratings or analysis based on commissions. We do not accept payment for placement. If a partner discontinues their commission program, our coverage of that partner does not change.

7. Governing Law

These terms are governed by the laws of Victoria, Australia. Any disputes arising from these terms shall be settled in the courts of Victoria.

8. Changes to Terms

We reserve the right to update these terms at any time. Your continued use of the site following any changes constitutes your acceptance of the new terms.

9. Voluntary Tips & Payment Processing

Luna3.ai accepts optional, one-time tips as a way for readers to support the platform. Tips are entirely voluntary and do not entitle the tipper to any goods, services, content, or preferential access. All tips are non-refundable once submitted. You must be at least 18 years old to make a tip payment.

Payments are processed securely by Stripe. By completing a tip, you also agree to Stripe’s Terms of Service and acknowledge Stripe’s Privacy Policy. Luna3.ai does not store your card details — all payment data is handled by Stripe in accordance with PCI-DSS standards.