Term of service

Welcome to Lumenor Advisory Group (“Lumenor,” “we,” “our,” or “us”). These Terms of Service (“Terms”) outline the rules and conditions for using our website and engaging with our professional services.

By accessing our website or working with Lumenor, you agree to these Terms.

1. Use of This Website

This website is provided for general information and educational purposes only. Content on this site does not constitute legal, tax, accounting, or financial advice. Using this website does not create a client advisor relationship with Lumenor.

2. Professional Services

A professional relationship with Lumenor is established only after:

- A written engagement letter or subscription agreement is signed, and

- All required onboarding steps are completed

- Any services provided will be limited to what is outlined in the written agreement.

3. Client Responsibilities

If you engage Lumenor for services, you agree to:

- Provide accurate, complete, and timely information

- Respond promptly to requests for documents or clarification

- Review deliverables and raise questions when needed

- Make final decisions for your business based on our recommendations

- Lumenor is not responsible for outcomes affected by incomplete, inaccurate, or delayed information.

4. No Guarantees

While we provide strategic guidance and professional expertise, we do not guarantee specific financial results, tax savings, or business outcomes. Results depend on individual circumstances, execution, and changes in laws or regulations.

5. Fees & Payments

Fees are outlined in your engagement letter or subscription agreement. Unless otherwise stated:

- Fees are billed monthly or per project

- Payments are due according to agreed terms

- Services may be paused if payments are overdue

- Pricing may change for future service periods with advance notice.

6. Confidentiality

We take confidentiality seriously. Client information is treated as private and protected using reasonable security measures. We may share information only:

- With your consent

- As required by law

- With trusted partners involved in delivering agreed services

7. Third Party Tools & Links

Our website and services may reference or use third party platforms or tools. Lumenor is not responsible for the content, performance, or policies of third-party services. Use of third-party tools is subject to their own terms and conditions.

8. Compliance & Ethics

Lumenor operates under professional and ethical standards. We will not participate in illegal, fraudulent, or unethical activities.

We reserve the right to decline or terminate services that conflict with professional standards or legal requirements.

9. Limitation of Liability

To the extent permitted by law, Lumenor is not liable for indirect, incidental, or consequential damages, including lost profits or business interruption. Our total liability is limited to the fees paid for the specific services involved.

10. Termination

Either party may terminate services according to the terms in the engagement agreement. Upon termination:

- Outstanding balances remain due

- Access to systems and portals may be removed

- Services will conclude as outlined in the agreement

11. Intellectual Property

All website content, branding, materials, and proprietary frameworks belong to Lumenor Advisory Group and may not be copied, reproduced, or distributed without written permission.

12. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page. Continued use of our website or services indicates acceptance of the revised Terms.

13. Contact Us

If you have questions about these Terms of Service, please contact Lumenor Advisory Group through our official communication channels.