Legal Disclaimer
Important legal information regarding the use of lumorivantrex's budget optimization services and educational materials
Last Updated: March 15, 2025
General Disclaimer
The information provided by lumorivantrex ("we," "us," or "our") on lumorivantrex.pro and through our budget optimization services is for general informational and educational purposes only. All information on the site and our services is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site or our services.
Important Notice
Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or our services or reliance on any information provided on the site and through our services.
Your use of our website and our services and your reliance on any information on the website and our services is solely at your own risk. The content of this website does not constitute financial, legal, or professional advice.
Educational Purpose Limitation
All budget optimization materials, tools, strategies, and recommendations provided by lumorivantrex are strictly for educational purposes only. These materials are designed to help users understand financial concepts and budgeting principles but should not be considered as personalized financial advice.
Educational Content Includes:
- Budget planning templates and worksheets
- Financial literacy courses and webinars
- Spending analysis tools and calculators
- Savings strategy recommendations
- Debt management educational resources
- Investment education materials
Users are encouraged to conduct their own research and consult with qualified financial professionals before making any financial decisions based on the educational content provided.
Professional Advice Limitations
lumorivantrex and its representatives are not licensed financial advisors, accountants, or legal professionals. The budget optimization services and educational materials provided do not constitute professional financial, accounting, tax, or legal advice.
We Strongly Recommend Consulting:
- Licensed financial advisors for investment decisions
- Certified public accountants for tax planning
- Qualified attorneys for legal matters
- Banking professionals for loan decisions
- Insurance agents for coverage planning
- Estate planning specialists for wealth management
Each individual's financial situation is unique, and what works for one person may not be appropriate for another. Professional consultation is essential before implementing any significant financial strategies.
Information Accuracy and "As Is" Provision
While we strive to keep the information up to date and correct, we make no representations or warranties of any kind about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on our website for any purpose.
Information Provided "As Is" Includes:
- Financial calculators and their results
- Market data and economic information
- Budget optimization recommendations
- Educational content and course materials
- Third-party resource links and references
- User-generated content and testimonials
Information may become outdated, and we are under no obligation to update such information. Users should verify all information independently before relying on it for any decision-making purposes.
Limitation of Liability
lumorivantrex, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of our website or services.
Liability Limitations Apply To:
- Financial losses resulting from budgeting decisions
- Investment losses or missed opportunities
- Tax implications of financial strategies
- Technology failures or data loss
- Third-party service interruptions
- Misunderstanding of educational content
This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if lumorivantrex has been advised of the possibility of such damage.
Third-Party Links and Resources
Our website may contain links to third-party websites or services that are not owned or controlled by lumorivantrex. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that lumorivantrex shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
Canadian Jurisdiction
lumorivantrex operates from Quebec, Canada, and our services are provided in accordance with Canadian laws and regulations. Users accessing our services from other jurisdictions do so at their own risk and are responsible for compliance with local laws.
Any disputes arising from the use of our services shall be governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles.
Your Responsibility
By using lumorivantrex's services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. You accept full responsibility for any decisions made based on the educational information provided and agree to seek professional advice when needed.
Questions About This Disclaimer
If you have any questions about this disclaimer or need clarification on any of our policies, please don't hesitate to contact us.