Terms and conditions of use
Please read these terms carefully before using our website or services. Your access indicates acceptance of these conditions.
August 27, 2025
Acceptance of terms
By accessing lumecarvia.com, you agree to comply with these terms and our privacy policy. If you do not agree, please discontinue use of our website.
Definitions
Key terms in these terms and conditions are defined below for clarity.
- "Website" refers to lumecarvia.com and all related subdomains.
- "Services" means financial planning consultations and analytical reviews as described.
- "User" refers to any person accessing or using the website and services.
- "Content" means all information and materials on this website.
Use of services
You agree to use our services only for lawful purposes and in accordance with these terms.
Eligibility
You must be at least 18 years old to use our website or request our services.
Not for users under 18 years.
User responsibilities
Users must provide accurate information and comply with all applicable laws.
- Do not misrepresent your identity or provide false information.
- Do not use our website for unlawful or prohibited purposes.
- Respect the rights and privacy of others.
- Comply with all applicable regulations.
Prohibited uses
The following uses are not permitted:
- Uploading or transmitting harmful or unlawful content.
- Attempting to gain unauthorised access to the website.
- Disrupting website security or operations.
- Violating intellectual property or third-party rights.
- Using the website in a way that harms others.
Intellectual property rights
All content, trademarks, and intellectual property on this website belong to lumecarvia or its licensors. You may not reproduce or distribute any material without written consent.
User content
Users may submit information or enquiries for service purposes only. Do not submit confidential or proprietary information.
User content rights:
By submitting content, you grant us a non-exclusive right to use it for service delivery.
Privacy and data protection
Our privacy policy explains how we handle your data. By using our website, you consent to our data practices. View privacy policy
Disclaimers and limitations
This website and its services are provided as-is, without warranties.
No guarantees:
We do not guarantee results or offer refunds. Results may vary for each user.
Limitation of liability
We are not liable for damages, losses, or claims arising from your use of our website or services.
Indemnification
You agree to indemnify us from claims or damages resulting from your violation of these terms.
Dispute resolution process
We aim to resolve disputes quickly and fairly. Please contact us for resolution.
Arbitration
If disputes cannot be resolved, binding arbitration will be used in accordance with Australian law.
Arbitration replaces court proceedings.
Online dispute resolution
You may access online dispute resolution through our designated contact page.
Dispute contact page: Dispute contact page
Governing law and jurisdiction
These terms are governed by Australian law. Jurisdiction is in Australia.
Termination
We reserve the right to suspend or terminate access for violations of these terms.
Changes
We may update these terms at any time. Continued use indicates acceptance.
Severability
If any part is invalid, the rest remains in effect.
Entire agreement
These terms constitute the full agreement between users and lumecarvia.
Contact for terms queries
For questions about these terms, please contact our team.
Email address: content@lumecarvia.com
Phone: +61 8 7136 6579
Address: 95 Pitt Street, Australia Square Plaza Building, Sydney, NSW 2000 Australia
Effective date: August 27, 2025
Version: 1.3