Terms and Conditions for Lumina Vest

Welcome to Lumina Vest. These Terms and Conditions govern your use of our online platform and the financial services we provide, including personal pension planning and management, workplace pension scheme consultation, retirement income strategies, ethical investment advice, pre-retirement seminars, and post-retirement financial coaching. By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

1. Services Overview

Lumina Vest provides financial planning and advisory services centered around pensions and retirement. Our services are designed to offer comprehensive guidance and management for your financial future. While we strive to provide accurate and effective advice, all investment decisions inherently involve risk, and past performance is not indicative of future results.

2. User Obligations

As a user of our service, you agree to:

3. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our service will be uninterrupted, secure, or free from errors or viruses.

4. Limitation of Liability

To the fullest extent permitted by applicable law, Lumina Vest, its directors, employees, partners, agents, suppliers, or affiliates, shall not be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the service; (ii) any conduct or content of any third party on the service; (iii) any content obtained from the service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

5. Intellectual Property

All content, trademarks, service marks, logo, and other intellectual property displayed on our site are the property of Lumina Vest or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use any of our intellectual property without our prior written consent.

6. Governing Law and Jurisdiction

These Terms and Conditions shall be governed and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms and Conditions or your use of our service shall be exclusively brought in the courts located in London, United Kingdom.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our service after those revisions become effective, you agree to be bound by the revised terms.

8. Contact Information

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