Terms of Use

Welcome to LuminaWealth Insights. By accessing or using our investment education platform, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you must discontinue use of our website immediately. These terms constitute a legally binding agreement between you and LuminaWealth Insights, operating from 118 Fredman Drive, Sandton, Johannesburg, South Africa. We reserve the right to modify these terms at any time, and your continued use of our platform after changes are posted constitutes acceptance of those modifications. We recommend reviewing these terms periodically to stay informed of any updates.

LuminaWealth Insights provides investment education, portfolio strategies, and wealth management insights for informational and educational purposes only. Our content is not financial advice, investment recommendations, or solicitations to buy or sell securities. All information about South Africa investing, market analysis, and financial literacy materials should not be relied upon as the sole basis for investment decisions. We do not guarantee the accuracy, completeness, or timeliness of any information presented. Investment markets involve risk, including possible loss of principal, and past performance does not guarantee future results. You should consult with qualified financial advisors, tax professionals, and legal counsel before making any investment decisions based on information obtained from our platform.

As a user of LuminaWealth Insights, you agree to use our platform responsibly and lawfully. You must not engage in any activity that disrupts or interferes with our services, including hacking, transmitting malware, or attempting unauthorized access to our systems. You agree not to reproduce, duplicate, copy, sell, or exploit any portion of our content without express written permission. Any user-generated content you submit, such as comments or questions, must be respectful, relevant, and comply with applicable laws. You retain ownership of your submissions but grant us a non-exclusive license to use, display, and distribute your content. We reserve the right to remove any content and terminate user accounts that violate these terms or engage in inappropriate behavior.

All content on LuminaWealth Insights, including articles about investment education, portfolio strategies, financial literacy guides, logos, graphics, and software, is protected by South African and international copyright, trademark, and intellectual property laws. The compilation, organization, and presentation of content on our platform is the exclusive property of LuminaWealth Insights. You may view, download, and print content solely for personal, non-commercial use, provided you maintain all copyright and proprietary notices. Any commercial use, reproduction, modification, distribution, or public display of our content requires prior written authorization. Unauthorized use may violate copyright, trademark, and other laws and could result in civil and criminal penalties.

To the fullest extent permitted by South African law, LuminaWealth Insights, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our platform. This includes damages for investment losses, lost profits, data loss, or business interruption, even if we have been advised of the possibility of such damages. Our platform and content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure. Some jurisdictions do not allow limitation of liability for consequential damages, so these limitations may not apply to you in full.

These Terms of Use are governed by and construed in accordance with the laws of the Republic of South Africa, without regard to conflict of law principles. Any disputes arising from or relating to these terms or your use of LuminaWealth Insights shall be subject to the exclusive jurisdiction of the courts of Johannesburg, South Africa. Before initiating formal legal proceedings, we encourage you to contact us at [email protected] or call +27 11 303 5000 to resolve disputes amicably. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.