Terms and conditions for lumiverosia.com
Please read these terms carefully as they govern your access to and use of all services, content, and communications provided via lumiverosia.com. By using our site, you agree to comply with these terms.
Last revised on October 14, 2025
Acceptance of terms
By visiting or using lumiverosia.com, you confirm you have reviewed and accepted all terms outlined here. If you disagree with any provision, please refrain from using our services.
Definitions
Key terms used in these conditions are defined below for your understanding.
'Services' refer to all recommendations, reviews, and consultations provided through lumiverosia.com.
'User' refers to any individual, entity, or representative who accesses lumiverosia.com and its services.
'Content' covers text, reports, graphics, analyses, or communications delivered by the site or team.
'Third parties' are external service providers or authorities, where relevant.
Use of services
Use of our services must comply with local laws and respect the integrity of the site and team. Unauthorised or illegal activity is strictly prohibited.
Eligibility
You must be at least 18 years old or have legal capacity under Australian law to use our services.
Not available where prohibited by law.
Your responsibilities
Users must always supply accurate details and follow good conduct when using our site.
Prohibited uses
Users must not abuse our platform or services in any way.
Intellectual property
All site content, materials, and reports remain the property of lumiverosia, except where otherwise accredited. Use is restricted to personal, non-commercial purposes in line with these terms.
User content
You retain ownership of any content you submit but grant us a limited right to use it in delivering our services.
Your content rights
You may request the removal or correction of your content at any time, subject to legal limitations.
Privacy and data security
We handle your data in line with our Privacy Policy and relevant Australian legislation. See our Privacy Policy for details on collection, storage, and use.
View Privacy PolicyDisclaimer statement
Our content is provided for informational purposes, not as a substitute for licensed financial advice.
Important note on outcomes
Results may vary and past performance does not guarantee future outcomes. Individual circumstances and market volatility can affect results.
Limitation of liability
To the fullest extent permitted by law, lumiverosia is not liable for actions or losses related to use of our site, reports, or consultation content.
Indemnification
You agree to indemnify and hold harmless lumiverosia and its associates against claims or liabilities resulting from your use of our services.
Resolving disputes
Efforts will be made to resolve disagreements amicably. Unresolved matters may require formal resolution, as outlined below.
Arbitration
Disputes may be settled via binding arbitration under Australian law, unless another forum is mutually agreed.
This section does not limit statutory rights under law.
Online dispute resolution
We participate in online dispute resolution channels as required by regulation. Further information is available upon request.
Learn more about ODRSeverability
If any provision is held invalid, the rest remain in force to the greatest extent allowed by law.
Entire agreement
These terms, together with linked policies, represent the whole agreement between users and lumiverosia regarding site use.
Governing law and jurisdiction
These terms are governed by Australian law. Exclusive jurisdiction applies to relevant courts under these terms.
Termination
We reserve the right to limit or terminate services for breach of terms, misconduct, or unlawful activity.
Changes
We may amend these terms. Changes take effect upon notice on our website. Continued use signifies acceptance.
How to contact us
Questions about these terms may be directed to our service team by email, phone, or our website contact form.
Email address: content@lumiverosia.com
Phone: +61 3 4764 2389
Address: 95 Pitt Street, Australia Square Plaza Building, Sydney, NSW 2000 Australia
Effective date: October 14, 2025
Version: 3.0