Terms of Use

Agreement to Terms

These Terms of Use ("Terms") govern your access to and use of the Luminous Bond website at luminous-bond.com ("the Site") operated by Luminous Bond Ltd ("we", "us", "our"). By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site.

About Our Services

Luminous Bond provides financial education and general guidance services. It is important to understand the nature and limitations of what we offer:

We are not regulated financial advisers. We do not provide regulated financial advice.
Our services are educational in nature. We help you understand financial concepts and develop skills to make your own informed decisions.
We do not recommend specific financial products, investments, or providers.
Information provided through our website or services should not be considered a substitute for professional financial advice tailored to your individual circumstances.

For personalised financial advice, you should consult a qualified, regulated financial adviser.

Use of the Site

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

Use the Site in any way that violates any applicable law or regulation
Use the Site to transmit any advertising or promotional material without our prior written consent
Impersonate or attempt to impersonate Luminous Bond, a Luminous Bond employee, or any other person or entity
Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site
Introduce any viruses, trojan horses, worms, or other malicious code
Attempt to gain unauthorised access to any part of the Site, other accounts, or computer systems connected to the Site
Use any automated means to access the Site or collect information from it

Intellectual Property

The Site and its entire contents, features, and functionality (including but not limited to all information, text, graphics, logos, icons, images, and software) are owned by Luminous Bond Ltd or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from our Site without our prior written consent, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing them
You may store files that are automatically cached by your browser for display enhancement purposes
You may print or download one copy of a reasonable number of pages for your own personal, non-commercial use

Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. Luminous Bond disclaims all warranties, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
Warranties that the Site will be uninterrupted, timely, secure, or error-free
Warranties regarding the accuracy, reliability, or completeness of any information on the Site

We do not warrant that defects will be corrected or that the Site or the server that makes it available are free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by applicable law, Luminous Bond Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or in connection with:

Your access to or use of (or inability to access or use) the Site
Any conduct or content of any third party on the Site
Any content obtained from the Site
Unauthorised access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all damages exceed the amount you have paid to us in the twelve months preceding the claim, or one hundred pounds (£100), whichever is greater.

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

Information Accuracy

We strive to ensure that information on the Site is accurate and up to date. However, we make no representations or warranties about the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics contained on the Site.

Financial information and educational content may become outdated due to changes in legislation, regulations, or market conditions. You should verify any information before relying on it.

Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by Luminous Bond. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Luminous Bond shall not be responsible or liable for any damage or loss caused by or in connection with the use of any third-party websites or services.

Service Terms

If you engage our paid services, additional terms and conditions may apply. These will be provided to you before you commit to any service and will govern our contractual relationship for those services. In case of any conflict between these Terms and service-specific terms, the service-specific terms shall prevail.

Modifications to the Site

We reserve the right to modify, suspend, or discontinue the Site (or any part thereof) at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site.

Changes to Terms

We may revise these Terms at any time by updating this page. The date of the most recent revision will appear at the top of this page. Your continued use of the Site following the posting of revised Terms means you accept and agree to the changes. You are expected to check this page periodically so you are aware of any changes.

Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales for resolution of any disputes.

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

Waiver

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 Luminous Bond.

Entire Agreement

These Terms, together with our Privacy Policy and any service-specific terms, constitute the entire agreement between you and Luminous Bond regarding your use of the Site and supersede all prior agreements and understandings.

Contact Information

If you have any questions about these Terms, please contact us:

Luminous Bond Ltd
47 Colmore Row
Birmingham, B3 2BS
United Kingdom
Email: [email protected]