Terms and Conditions for Site Use and Services

These terms govern your use of our website and all planning services provided through Lumoriazen.

February 12, 2026

Acceptance of Terms

By accessing this site or using our services, you agree to these terms. If you do not agree, please do not use the site. Continued use indicates acceptance of any updated or modified terms as well.

Definitions

The following definitions apply throughout these terms.

• ‘We’, ‘Us’, ‘Our’ refers to the Lumoriazen company providing financial planning services in South Africa.
• ‘You’, ‘User’, ‘Client’ refers to anyone using this website or engaging with our team.
• ‘Services’ refers to all financial planning activities, support, or advice provided through this site.
• ‘Content’ includes all material shared on lumoriazen.com, including text, graphics, and documents.

Use of Services

Services must be used lawfully, for personal purposes, and not for commercial exploitation or redistribution.

Eligibility

You must be at least 18 years old to use our services. By using this site, you confirm you meet age requirements.

Services are not available for minors under 18.

Your Responsibilities

You agree to provide true information and respect these terms while using the site.

• Keep your account credentials private and never share access with others.
• Use the site and services only as permitted by law and these terms.
• Notify us of any unauthorised use of your information or security concerns immediately.
• Inform us promptly if any of your personal or contact details change.

Prohibited Uses

You may not use the site or services for any unlawful or harmful purposes.

• Distributing or posting misleading, dangerous, or unauthorized content.
• Engaging in any fraudulent, abusive, or disruptive conduct.
• Uploading malicious code or attempting security breaches.
• Misrepresenting affiliation with our company or impersonating others.
• Violating intellectual property rights or privacy of others.

Intellectual Property

All content on lumoriazen.com is owned or licensed by us. You may not copy, reproduce, or distribute site materials without written permission, except as allowed by law. Respect all intellectual property notices.

User Content

Content you share must comply with these terms. We reserve the right to moderate or remove inappropriate materials.

Privacy and Data Protection

Your data is handled according to our Privacy Policy. Review the policy for full details on collection, use, and rights. Privacy Policy

Disclaimer and Limitations

Please read the site disclaimer and note that results may vary for individuals.

Limitation of Liability

We will not be liable for any damages, losses, or claims, except as required by law, arising from use of this website or related services.

Indemnification

You agree to indemnify and hold us harmless from any claims arising from your use of the site or services, except as limited by South African law.

Dispute Resolution and Jurisdiction

Efforts will be made to resolve disputes amicably first.

Applicable Law and Jurisdiction

These terms are governed by the laws of South Africa. Legal proceedings must occur under South African jurisdiction.

Termination

We may suspend or terminate access for violation of these terms or legal obligations.

Modifications

We may update terms or services at any time. Continued use means you accept any changes.

Severability

If any section is found invalid, it does not affect the remainder of the terms.

Entire Agreement

These terms and related policies represent the entire agreement between you and us for site use and services.

Contact for Questions

For any questions about these terms, please contact us directly.