1. Acceptance of Terms

By accessing Lumivest, creating an account, or purchasing any of our products or services, you agree to be legally bound by these Terms & Conditions. If you do not agree with any part of these terms, you should discontinue using our platform immediately. Your continued use of Lumivest constitutes acceptance of any future updates.

2. Educational Purpose

Lumivest is an educational platform created to help individuals learn about real estate investing through courses, mentorship, templates, and practical resources. All information provided is intended solely for educational and informational purposes. Nothing on our platform should be interpreted as financial, legal, tax, or professional investment advice.

3. Eligibility

You must be at least 18 years of age or have the permission of a parent or legal guardian to use our services. By creating an account, you confirm that the information you provide is accurate and that you meet the eligibility requirements. We reserve the right to suspend accounts that provide false or misleading information.

4. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and all activities that occur under your account. Please ensure that your login information remains secure and notify us immediately if you suspect unauthorized access. Lumivest is not responsible for losses resulting from compromised account credentials.

5. Payments

All course fees and subscription prices are displayed before purchase and are processed securely through trusted third-party payment providers. Access to premium content is granted only after successful payment confirmation. Prices may change over time, but existing purchases will remain unaffected unless otherwise stated.

6. Refund Policy

Refund eligibility varies depending on the specific course, membership, or program purchased. Unless a refund guarantee is explicitly mentioned on the product page, all purchases are considered final. Please review the refund policy before completing your purchase.

7. Intellectual Property

All content available on Lumivest, including videos, documents, graphics, templates, branding, logos, and course materials, is protected by intellectual property laws. You may not copy, distribute, reproduce, modify, or resell any part of our content without prior written permission. Unauthorized use may result in legal action.

8. Personal Use Only

Your purchase provides a personal, non-transferable license to access Lumivest's educational materials. Sharing your account, login credentials, or purchased resources with others is strictly prohibited. Any misuse may result in immediate suspension or termination of access without a refund.

9. Investment Disclaimer

Real estate investing carries financial risks, and every investment decision involves uncertainty. Lumivest does not promise guaranteed profits, investment returns, or financial success. Users are solely responsible for conducting their own research and seeking professional advice before making investment decisions.

10. Community Guidelines

We strive to maintain a respectful, professional, and supportive learning environment for every member. Harassment, abusive behavior, spam, discrimination, or illegal activity will not be tolerated. Lumivest reserves the right to remove content or suspend accounts that violate these community standards.

11. Third-Party Services

Our platform may integrate with third-party services such as payment processors, analytics providers, or external educational tools. These services operate under their own terms and privacy policies. Lumivest is not responsible for the availability, functionality, or content provided by third-party platforms.

12. Limitation of Liability

To the fullest extent permitted by law, Lumivest shall not be held liable for any direct, indirect, incidental, or consequential damages arising from the use of our platform or educational materials. Your use of the platform is entirely at your own risk.

13. Changes to Services

We may update, improve, modify, or discontinue courses, memberships, website features, or services at any time without prior notice. While we aim to provide uninterrupted access, we cannot guarantee that every feature will remain available indefinitely.

14. Changes to These Terms

These Terms & Conditions may be updated periodically to reflect changes in our services or legal requirements. Updated versions will become effective immediately upon publication. Continued use of Lumivest after updates indicates your acceptance of the revised terms.

15. Contact

If you have any questions regarding these Terms & Conditions or require assistance, please feel free to contact our support team. We are committed to providing timely assistance and ensuring a smooth learning experience for all members.

Email: danixostudio@gmail.com