Terms of Service
These Terms of Service ("Terms") govern your use of the Lumvest website at www.lumvest.com (the "Site"). "Lumvest" refers to the trading name of Lum Technologies (ABN 33 702 184 739). By accessing or using the Site, you agree to be bound by these Terms.
Nature of the Site
The Site is a marketing and information resource for Lumvest, a tax-loss harvesting analysis platform for financial advisers.
Lumvest is currently in pilot. Paid portfolio analysis is by invitation only. The Site does not provide portfolio analysis, data processing, or any paid services directly. Those services are accessed separately under specific pilot agreements.
No Advice
The Site provides general information about tax-loss harvesting concepts, research content, and examples. Nothing on the Site constitutes:
- Investment, tax, legal, or accounting advice
- A recommendation to buy, sell, or hold any security
- Financial planning or advisory services
No advisory, fiduciary, or client relationship is created by using the Site.
User Responsibility
You are solely responsible for how you interpret and use information on the Site. You should consult your own qualified investment, tax, legal, and financial professionals before making any financial decisions.
Any examples, case studies, or historical scenarios presented are for illustrative purposes only. Past performance or hypothetical analysis is not indicative of future results.
Intellectual Property
All content on the Site (text, graphics, logos, research articles, software, and design) is the intellectual property of Lumvest or its licensors.
You may not:
- Copy, reproduce, or distribute Site content for commercial purposes
- Use the Site or its content to build competing products
- Misrepresent Site content as your own work or advice
Availability and Modifications
The Site is provided on an "as is" and "as available" basis. We may modify, suspend, or discontinue any part of the Site at any time without notice.
We do not guarantee that the Site will be error-free, uninterrupted, or free from security vulnerabilities.
Third-Party Links
The Site may link to third-party websites or services. We are not responsible for the content, accuracy, or privacy practices of those third parties.
Limitation of Liability
To the maximum extent permitted by law, Lumvest shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site, including but not limited to financial losses, data loss, or reliance on Site content.
Indemnification
You agree to indemnify and hold harmless Lumvest from any claims, losses, liabilities, or expenses arising from your use of the Site or breach of these Terms.
Jurisdiction and Governing Law
These Terms are governed by the laws of New South Wales, Australia. You agree that any disputes arising from or relating to your use of the Site or these Terms will be resolved in the courts of New South Wales, Sydney, unless otherwise required by applicable law.
Changes to These Terms
We may update these Terms at any time. Continued use of the Site constitutes acceptance of the revised Terms.