Terms of Service

1. Who we are

LUMORIA is the trading name of Mohammed Ayan Hayat, a UK sole trader. Our business address is 80 Craddock Street, Cardiff, CF11 6EW, United Kingdom. We provide photography, film, design, websites, stores and the systems behind them. Reach us at hello@lumoriamedia.com. These terms cover every service listed in the catalogue: bookings, fixed-quote projects, retainers and instant purchases. We may use subcontractors, most shoots are covered by a photographer working with us, and where we do, the work is still ours to answer for.

2. What you’re buying

Each service page states what is included, the turnaround, and the price. Prices are shown in pounds sterling (GBP). A price marked “from” is an anchor, not a quote, the number you are held to is the one in your written scope. A price marked fixed is the price. Prices exclude VAT. We are not VAT-registered today, so no VAT is added and the price you see is the price you pay; if that changes we will add VAT at the rate then in force, and we will tell you before it affects anything you have already agreed.

3. Bookings, deposits and changes

For new UK property bookings, the deposit is 50% of the agreed total, or 30% for active LUMORIA Black members. The deposit is part-payment, not an extra fee. Your invoice shows the deposit and remaining balance. Any different arrangement, including a deposit waiver, must be agreed in writing. Terms already agreed for existing bookings remain in place.

Selecting an instant date creates a provisional hold for twelve minutes. Your booking is confirmed when the required payment is verified while that hold remains valid, or when we explicitly confirm an agreed waiver. If payment arrives after the hold expires, we will contact you to agree an available date or a refund; payment alone does not restore the expired slot.

Tell us as soon as you need to cancel or reschedule. We try to make changes free where possible, but photographer arrangements, travel or work already undertaken may create unavoidable costs. Any amount retained must reflect our reasonable, evidenced net loss after steps to reduce it; we do not charge a penalty or recover the same loss twice. We explain any retained amount and return the rest. If we cancel and cannot agree a replacement, we refund payments for the work we will not provide. Black members can discuss additional flexibility with us; it is not an automatic exemption. Consumer cancellation rights in the next clause take priority.

4. Your right to cancel (consumers)

If you are a consumer and you booked online or away from our premises, you can cancel until the end of the 14th day after the day the contract is made, for any reason, with no charge. Tell us at hello@lumoriamedia.com, a clear statement is enough, you do not have to use a form.

Services starting inside the cancellation period. We cannot start early unless you expressly ask us to. The unticked acknowledgement shown for an early appointment records your request to start and your acknowledgement that your cancellation right ends once the full service is completed. For a photography booking, full completion includes the agreed finishing and delivery of the photographs. An appointment arranged after quote acceptance uses the original contract date to check the cancellation period. If you cancel after we have started but before we finish, you pay a proportionate amount for what was already done, and nothing more.

Digital products. Where you buy something delivered digitally and immediately, the Store Teardown, for example, you consent at checkout to us supplying it straight away and acknowledge that you lose the right to cancel once it has been supplied.

This clause sets out rights the law gives you. Nothing elsewhere in these terms cuts it down.

5. Projects, scope and payment

Nothing starts until the scope is agreed in writing. Projects run on a deposit and a balance on delivery, or on the milestones set out in the scope. One round of changes is included in every project, further rounds are quoted, not refused.

Retainers are billed monthly in advance. Unless your own agreement says otherwise, either of us may end a retainer on 30 days’ written notice, and any minimum term is the one stated in that agreement. We reserve capacity for a retainer, which is what the notice period is for.

Invoices are due on the date stated on them. On a late business account we may charge statutory interest and compensation under the Late Payment of Commercial Debts (Interest) Act 1998. On a late consumer account we may charge interest at 4% a year above the Bank of England base rate. We would rather send a reminder, and usually do.

6. The guarantee

Our like-for-like property price-match guarantee applies before a new property photography or property film booking when another supplier confirms a lower total for the same full package. Its conditions cover equivalent scope, finish, delivery, usage rights, travel and applicable tax.

If the first deliverable misses the agreed brief, we redo it. If the redo still misses it, you don’t pay for it. That applies at every price point on this site. It covers the brief you agreed, not a change of mind about what the brief should have been, which we’ll happily quote instead. If you are a consumer, this sits on top of your statutory rights to repeat performance or a price reduction, and does not replace them.

7. The Store Teardown

The teardown is a recorded walkthrough plus a ranked fix list, delivered digitally, paid up front. We guarantee at least five specific, prioritised, actionable fixes; if a teardown surfaces fewer, you get a full refund and keep the recording. The fee is credited in full against a LUMORIA build booked within 30 days of delivery, once, against a single build, not exchangeable for cash. Because it is supplied digitally on completion, and because you consent to that at checkout, it is otherwise non-refundable. This does not affect your statutory rights.

8. Drone flights

Where a job includes drone work, the flight is subject to law and weather, not to the booking. The pilot holds the CAA registrations and certificates the flight requires and their own insurance for it, and the decision to fly is the pilot’s alone. We need the landowner’s permission to take off and land, which you confirm you can give or obtain. If airspace, permissions, weather or safety mean the flight cannot go ahead lawfully, we will not fly it, we will re-plan it, or take the drone element off the invoice. Nothing is charged for a flight that did not happen.

9. What you own

On final payment the work is yours. For everything except photography and film that means outright ownership, files, code, accounts. For photography and film it means a licence, granted on final payment, unlimited in time and territory, to use the images for any purpose connected with the property or business they were made for, including by your agent and by the seller or landlord. We keep the copyright so that we can license the same set to the agent and the vendor without asking you each time. If you want the copyright assigned to you outright, we will quote for it, say so and it is a normal thing to buy.

Our own methods, frameworks, templates and the engines we build on remain ours.

Our portfolio. For business work we may show finished work in our portfolio unless you ask us not to, which is always fine to ask. For a home photographed for a private client we will only show it if you have said we may.

How long we keep files. Delivered files stay available to you for 12 months. Original unedited files we keep for 90 days and then delete. Ask inside those windows and we will re-send at no charge.

10. Your side

Give us a working brief, the access we need, and feedback inside the window agreed. If a project stalls on your side for more than 30 days we may re-quote the remaining work at current rates. You confirm you own, or are authorised to commission work on, whatever you send us. For a property shoot, please make sure anyone living there knows we are coming and that anything you would not want photographed is put away.

11. Things outside our control

Weather, illness, a road closed, an aircraft grounded, a supplier down. If something genuinely outside our control stops us delivering on a date, we will tell you as soon as we know and re-plan at no charge. If it cannot be re-planned we refund what you paid for the part we did not deliver. Neither of us is liable to the other for a delay caused that way.

12. LUMORIA Black

Membership is granted by the studio at its discretion, is never sold, and cannot be applied for. Member benefits are goodwill, not contractual entitlements, and may change or be withdrawn. Membership is reviewed quarterly and may lapse, most often because invoices stopped being paid on time.

13. Referrals

Referral credit is open to LUMORIA clients. You earn 20% of the amount we actually collect on everything the person you introduce spends in their first 12 months from the date the introduction is recorded, rising to 25% once your 3rd referral has become a paying client.

Credit, not cash. It is issued as studio credit against LUMORIA services, is not exchangeable for money, and is not transferable. It clears 30 days after the invoice that earned it is paid, and expires 12 months after it clears. It is redeemed against a draft invoice and is scheduled around booked work.

Who counts. The person introduced must be new to us, not already an active enquiry, quote or client, and not another address for a business we already work with. You cannot refer yourself. Where a referral is disputed or unclear, the studio decides acting reasonably, records the decision, and will explain it if you ask. Credit is income in your hands, and any tax on it is yours to account for.

Conduct. Do not send anything that is, or implies it is, from LUMORIA; do not bid on our name in paid search; do not list us on coupon or discount sites; use our name and marks only as supplied and unmodified; do not present our clients' work as your own. Breach ends participation and voids credit not yet spent.

If the invoice that earned credit is later credited or refunded, unspent credit is reduced or withdrawn to match. We may change or end the programme; credit already cleared is honoured to its expiry date.

14. Liability

We advise and we build; deciding what to implement is your call. We do not guarantee a specific revenue or conversion result, and we say so plainly rather than in a footnote. To the fullest extent permitted by law, our total liability in connection with a service is limited to the fee you paid for it. Nothing here limits liability that cannot be limited by law, including death or personal injury caused by negligence, fraud, and, if you are a consumer, our duty to carry out the service with reasonable care and skill.

15. Changes

We may update these terms. The version in effect when you ordered governs your order. For a rolling agreement such as a retainer, we will give you 30 days’ notice of a change, and if it does not suit you, you may end the agreement within that notice without penalty.

16. Governing law

England and Wales, and the courts of England and Wales. If you are a consumer living elsewhere in the UK, you keep the protection of your local law and may bring proceedings there.

Contact hello@lumoriamedia.com.