Terms and Conditions of Service

These Terms and Conditions outline the agreement for all consultations and use of this website. Please read them to understand your responsibilities and rights before engaging with our advisors.

Updated on January 4, 2026

Acceptance of Terms

By using this website or engaging our consultation services, you agree to these Terms and all applicable regulations in Australia. Continued use constitutes binding acceptance. Do not use the service if you disagree with any part of these conditions.

Definitions

This section clarifies terminology for your understanding of our agreement.

• "Service" means the consultative and analytical guidance provided by Lumoraqis, excluding endorsement or promotion of financial products.
• "User" means any individual accessing or engaging the site and its services under these Terms.
• "Content" includes all written material, images, and resources made available through this website.
• "Consultation" refers to a personal, interactive review conducted by our team.

Service Usage

Use of our service is intended for individuals seeking objective, analytical review and does not include product recommendations or personal finance management.

Eligibility

You must be at least 18 and a resident of Australia to use our consultation services. Professional use is limited to authorised representatives only.

Service provided to adults only. Proof of age may be requested.

User Responsibilities

All users must ensure the information they provide is accurate and comply with relevant regulations.

• Provide truthful and complete information during the consultation.
• Use the site and services only for lawful purposes.
• Respect confidentiality and proprietary practices throughout.
• Refrain from unauthorised use of site content or branding.

Prohibited Uses

Users must avoid activities stated below to maintain the integrity of our service.

• Do not attempt to obtain unauthorised access to data or systems.
• Avoid distributing or promoting misleading or false information.
• Do not use the consultation or site for illegal activities or fraud.
• Never misuse personal data obtained from the site.
• No impersonation of staff or other users during any interaction.

Intellectual Property Rights

All website content, including logos, images, and written material, is owned by Lumoraqis and protected by copyright. No part may be reproduced or used without prior written consent.

User Content

Any material you share or upload through contact forms must be lawful and not infringe any third-party rights. We reserve the right to moderate, edit, or remove such content.

Privacy Commitment

Your privacy is fundamental. All information you provide is managed according to our Privacy Policy and relevant Australian law. Access is limited to authorised staff. Read Privacy Policy

Important Disclaimer

Our service is consultative only. We do not guarantee results or future outcomes. All use of information is at your own discretion. Results may vary. Past performance doesn’t guarantee future results.

Limits of Liability

Lumoraqis is not liable for any indirect or consequential loss arising from your use of our service, unless prohibited by Australian law.

Indemnification

You agree to indemnify Lumoraqis against claims or damages if you breach these Terms or misuse the site.

Dispute Resolution Process

In case of disputes, we encourage you to contact us for an amicable resolution. Formal processes may follow as necessary.

Jurisdiction and Applicable Law

All terms are governed by the laws of Australia. Any dispute will be settled under Australian jurisdiction.

Termination

Lumoraqis may suspend access or service for violations of these Terms. You may discontinue use at any time. Outstanding obligations remain enforceable.

Updates

Terms may change. Updates will be clearly provided. Continued use after updates means you accept the new Terms.

Severability

If a section is found invalid by law, the rest remains effective, ensuring continued protection.

Complete Agreement

These Terms represent the full agreement between you and Lumoraqis regarding service use.

Contact for Terms Queries

Reach out for clarification on these Terms and any related obligations.