Terms and conditions governing your use of our website and services
Last updated: November 18, 2025
Welcome to Lumina Advisory Limited (“Lumina Advisory”, “we”, “our”, or “us”). By accessing or using our website at www.luminaadvisory.im (the “Website”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Website.
You may use the Website for lawful purposes only, including:
You agree not to:
All content on the Website, including text, graphics, logos, images, methodology frameworks, and software, is the property of Lumina Advisory or its licensors and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal and business evaluation purposes. You may not modify, reproduce, distribute, or create derivative works from our content without explicit written permission.
“Lumina Advisory”, our logo, “The Lumina Wrapper”, and other marks used on the Website are trademarks of Lumina Advisory Limited. You may not use these marks without our prior written consent.
The information provided on the Website about our services is for informational purposes only and does not constitute an offer or contract for services. Actual service engagements require a separate written agreement.
We strive to provide accurate descriptions of our services, but we reserve the right to modify our service offerings, methodologies, and approaches at any time without notice.
When you submit information through our contact form or communicate with us via email, you grant us the right to use that information to respond to your inquiry and for the purposes described in our Privacy Policy.
Any feedback, suggestions, or ideas you provide to us about the Website or our services become our property and may be used without compensation or attribution.
THE WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
We do not warrant that the Website will meet your requirements or that defects will be corrected.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUMINA ADVISORY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
Our total liability to you for any claim arising from the use of the Website shall not exceed the amount you have paid us, if any, in the six months prior to the claim.
You agree to indemnify, defend, and hold harmless Lumina Advisory, its affiliates, and their respective directors, officers, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:
The Website may contain links to third-party websites or services that are not owned or controlled by Lumina Advisory. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
You acknowledge and agree that Lumina Advisory shall not be liable for any damage or loss caused by your use of any third-party content, goods, or services.
Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Website, you consent to our data practices as described in the Privacy Policy.
We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice or liability.
We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on the Website and updating the “Last updated” date. Your continued use of the Website after changes become effective constitutes acceptance of the revised Terms.
We reserve the right to terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including if you breach these Terms.
Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of the Isle of Man, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of the Isle of Man.
If any provision of these Terms is found to be invalid or unenforceable by a court, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be replaced by a valid, enforceable provision that most closely matches the intent of the original.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lumina Advisory regarding the use of the Website and supersede all prior agreements and understandings.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by Lumina Advisory.
If you have questions about these Terms, please contact us:
The content on this Website is for informational purposes only and does not constitute professional advice. While we strive for accuracy, you should not rely solely on information from the Website for making business decisions. For specific advice related to your situation, please contact us directly to discuss a formal engagement.
BY USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
