Terms of Use

Agreement to Terms

By accessing and using the Luminous Skill website (luminous-skill.com), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

Use of Website

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to our systems
• Transmit viruses, malware, or harmful code
• Engage in automated data collection without permission
• Impersonate Luminous Skill or its representatives
• Interfere with the proper functioning of the website

Educational Services

Our financial education programmes are designed for educational purposes only. We do not provide:

• Financial advice regulated by the Financial Conduct Authority
• Investment recommendations
• Specific tax guidance
• Legal advice

Participants should seek professional advice for specific financial, investment, or legal decisions.

Programme Enrolment

When enrolling in our programmes:

• You agree to provide accurate and complete information
• Payment is required before the first session unless alternative arrangements are made
• Cancellations made more than 7 days before the term starts receive a full refund
• Cancellations within 7 days of the term start receive a 50% refund
• No refunds are provided once the term has commenced
• We reserve the right to cancel programmes with insufficient enrolment

Intellectual Property

All content on this website, including text, graphics, logos, and materials, is the property of Luminous Skill and protected by copyright laws.

You may not:

• Reproduce our content without written permission
• Use our materials for commercial purposes
• Modify or create derivative works
• Remove copyright or proprietary notices

Programme participants may use provided materials for personal educational purposes only.

User Submissions

Any information or content you submit through our website (including enquiry forms) becomes non-confidential. By submitting content, you grant us the right to use it for providing our services and improving our programmes.

Third-Party Links

Our website may contain links to external websites. We do not control or endorse these sites and are not responsible for their content, privacy practices, or terms of use.

Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free from viruses or harmful components
• Information provided is complete or accurate

Limitation of Liability

To the fullest extent permitted by law, Luminous Skill shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Personal injury or property damage arising from website use
• Financial decisions made based on programme content

Our total liability for any claim shall not exceed the amount you paid for the relevant programme.

Indemnification

You agree to indemnify and hold harmless Luminous Skill from any claims, damages, or expenses arising from:

• Your use of the website
• Your violation of these terms
• Your violation of any rights of another party

Programme Conduct

Participants must:

• Treat instructors and other participants with respect
• Arrive punctually for sessions
• Refrain from disruptive behaviour
• Respect confidentiality of other participants

We reserve the right to remove participants who violate conduct standards without refund.

Privacy

Your use of our website is also governed by our Privacy Policy. Please review it to understand our data practices.

Modifications to Terms

We may revise these Terms of Use at any time. Changes will be posted on this page with an updated date. Continued use of the website after changes constitutes acceptance of the modified terms.

Modifications to Services

We reserve the right to:

• Modify or discontinue any aspect of our services
• Change programme content, schedules, or pricing
• Suspend or terminate the website temporarily or permanently

We will provide reasonable notice of significant changes affecting enrolled participants.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect.

Contact Information

For questions about these Terms of Use, contact us:

Email: [email protected]

Address: 47 Colmore Row, Birmingham B3 2BS, United Kingdom