Terms and Conditions

 

Terms and Conditions

Last Updated: [Date]

Welcome to [https://lumora.mom/]. These Terms and Conditions (“Terms”) govern your use of our website, products, and services. By accessing or using our site, you agree to comply with these Terms. If you do not agree, please discontinue use immediately.

1. Definitions

  • Company/We/Us/Our – Refers to [Your Company Name], operator of this website.
  • User/You/Your – Refers to any individual or entity accessing or using our services.
  • Services – Refers to financial advice, insurance solutions, resources, and other offerings available on our website.

2. Eligibility

To use our services, you must:

  • Be at least 18 years old.
  • Have the legal capacity to enter into binding agreements.
  • Use our services in compliance with applicable laws and regulations.

3. Use of Website and Services

By using our website, you agree to:

  • Provide accurate and truthful information when requested.
  • Use the site only for lawful purposes.
  • Not engage in fraudulent, abusive, or harmful activities.
  • Not copy, reproduce, or distribute our content without written permission.

4. Financial and Insurance Disclaimer

  • We provide general financial and insurance information for educational purposes.
  • Our content does not replace professional legal, tax, or investment advice.
  • Decisions made based on our website or services are solely your responsibility.
  • We are not liable for financial losses, policy issues, or investment risks taken by users.

5. Account Registration

Some services may require creating an account. You agree to:

  • Keep your login credentials confidential.
  • Notify us immediately of unauthorized account use.
  • Be responsible for all activities conducted under your account.

We reserve the right to suspend or terminate accounts if suspicious or fraudulent activity is detected.

6. Payments and Billing

Where services involve payments (e.g., premium features, policy processing, or subscriptions):

  • You agree to provide valid billing information.
  • All charges are stated clearly before purchase.
  • Refunds, if applicable, will follow our Refund Policy.
  • Payment information is handled securely through third-party processors.

7. Insurance and Financial Products

  • Insurance and financial products displayed may be offered by third-party providers.
  • We do not guarantee acceptance, approval, or specific results from any financial or insurance product.
  • Product terms are subject to the provider’s conditions.
  • Users must carefully review and understand provider agreements before purchase.

8. Intellectual Property

  • All content, branding, graphics, and software on this website are the intellectual property of [Your Company Name] or its licensors.
  • Unauthorized copying, distribution, or modification of content is prohibited.
  • Users may download or print information for personal, non-commercial use only.

9. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to data practices described in the Privacy Policy.

10. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for indirect, incidental, or consequential damages.
  • We do not guarantee uninterrupted or error-free access to our website.
  • Users assume full responsibility for financial or insurance decisions made using our services.

11. Third-Party Links

Our site may contain links to third-party websites.

  • We are not responsible for the content, privacy practices, or services of these websites.
  • Accessing third-party sites is at your own risk.

12. Termination

We may suspend or terminate access to our services at our discretion if a user:

  • Violates these Terms.
  • Engages in fraud, abuse, or harmful activities.
  • Misuses our content or intellectual property.

Upon termination, all rights granted to you under these Terms will cease immediately.

13. Indemnification

You agree to indemnify and hold harmless [Your Company Name], its employees, and affiliates against any claims, damages, liabilities, or expenses arising from:

  • Your misuse of services.
  • Violation of these Terms.
  • Infringement of intellectual property or rights of others.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Country/State], without regard to conflict of law principles.

15. Dispute Resolution

  • In case of disputes, we encourage users to first contact us directly.
  • If unresolved, disputes shall be settled by arbitration or courts in [Your Jurisdiction].
  • Class actions are not permitted under these Terms.

16. Modifications to Terms

We reserve the right to update or change these Terms at any time.

  • The “Last Updated” date at the top of the page reflects the latest revision.
  • Continued use of our services after changes means you accept the revised Terms.

 

Final Note

By using [https://lumora.mom/], you acknowledge that you have read, understood, and agreed to these Terms and Conditions. Our goal is to ensure that every visitor feels secure and confident when engaging with our financial and insurance resources.