Terms and Conditions of Service

Acceptance of Terms

By accessing and using Lumorindavex's website and services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

If you do not agree with any part of these terms, please do not use our services or website.

Key Definitions

For the purpose of these terms, the following definitions apply:

  • "Services": Our subscription-based financial planning consultations, guidance, and related support services
  • "User" or "Client": Any individual who accesses our website or subscribes to our services
  • "Subscription": The monthly or annual service plan that provides access to our financial planning services
  • "Content": All information, materials, and resources provided through our website and services

Service Description

Lumorindavex provides subscription-based financial planning services including consultations, strategic guidance, and ongoing support to help clients achieve their financial goals.

Our services are consultative in nature and do not include direct management of funds or execution of financial transactions on behalf of clients.

User Responsibilities

As a user of our services, you agree to:

  • Provide accurate and truthful information about your financial situation
  • Maintain the confidentiality of your account credentials
  • Use our services in compliance with all applicable laws
  • Respect intellectual property rights of all content
  • Communicate respectfully with our team and other users

Prohibited Activities

You may not use our services to:

  • Engage in any fraudulent or illegal activities
  • Attempt to gain unauthorized access to our systems
  • Share false or misleading financial information
  • Violate any applicable laws or regulations
  • Harass or threaten our staff or other users

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services remain the exclusive property of Lumorindavex or our licensors.

Users may not reproduce, distribute, or create derivative works from our content without explicit written permission.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

For detailed information about how we handle your data, please review our Privacy Policy. Privacy Policy.

Payment Terms and Billing

The following terms apply to all subscription payments:

  • Subscription Fees: Monthly subscription fee of $250 CAD, billed in advance
  • Payment Method: Automatic billing to your designated payment method
  • Price Changes: We may adjust pricing with 30 days advance notice
  • Cancellation: Cancel anytime with no additional fees or penalties

Service Disclaimers and Warranties

Please understand the following important disclaimers about our services:

"As Is" Service Provision:

Our services are provided "as is" without warranties of any kind, either express or implied, regarding specific outcomes or results.

Limitation of Liability

Lumorindavex's liability for any damages arising from our services is limited to the amount of fees paid by you in the 12 months preceding the claim.

In no event shall our total liability exceed $3,000 CAD per client, regardless of the cause of action.

User Indemnification

You agree to indemnify and hold harmless Lumorindavex from any claims arising from your use of our services or violation of these terms.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through the following channels:

Dispute Resolution and Arbitration

Any disputes arising from these terms or our services will be resolved through binding arbitration in accordance with Canadian arbitration rules.

Arbitration proceedings will be conducted in English in Toronto, Ontario, by a single arbitrator agreed upon by both parties.

Alternative Dispute Resolution

Before pursuing arbitration, we encourage users to contact us directly to resolve any concerns or complaints.

Canadian residents may also contact the Financial Consumer Agency of Canada for assistance with financial service disputes.: Canadian Financial Services Ombudsman

Service Termination

Either party may terminate the service relationship at any time with appropriate notice. Termination does not affect obligations that arose before termination.

Upon termination, access to subscription services will cease, but these terms will continue to apply to any remaining obligations.

Governing Law

These terms are governed by the laws of Canada and the province of Ontario, without regard to conflict of law principles.

Severability

If any provision of these terms is found unenforceable, the remaining provisions will continue to be valid and enforceable.

Complete Agreement

These terms, along with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Lumorindavex regarding our services.

Terms Modifications

We reserve the right to modify these terms at any time. Significant changes will be communicated to active subscribers via email.

Continued use of our services after changes are posted constitutes acceptance of the modified terms.

Questions About Cookies

For questions about these terms or our services, please contact us:

Email: contact@lumorindavex.com

Phone: +1 416 766 87 04

Address: 92 Financial District, Toronto, ON M5H 2N2

These terms are effective as of: July 28, 2025

Last Updated: July 10, 2025