Terms and Conditions

These Terms and Conditions govern your use of Lumenzistudio financial planning services and website. By engaging our services, you agree to be bound by these terms. Please read them carefully before proceeding with any financial planning consultation or service agreement.

Acceptance of Terms

By accessing our website, requesting financial planning services, or entering into a service agreement with Lumenzistudio, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our services or website.

Description of Services

Lumenzistudio provides professional financial planning and investment advisory services to individuals and families in South Africa. Our services include but are not limited to:

• Personalized financial planning consultations including investment strategy development, retirement planning, and wealth management advice
• Portfolio analysis and asset allocation recommendations based on individual risk tolerance and financial objectives
• Ongoing financial advisory services including plan monitoring, performance review, and strategy adjustments as needed

Client Obligations

As a client of Lumenzistudio, you agree to the following obligations:

• Provide accurate and complete financial information necessary for effective financial planning and investment advice
• Maintain confidentiality of any proprietary financial strategies or methodologies shared during consultations
• Notify us promptly of any significant changes in your financial situation that may affect your financial plan
• Make payment for services according to the agreed schedule and terms outlined in your service agreement

Prohibited Uses

You agree not to use our services or website for any of the following prohibited purposes:

• Engaging in any illegal financial activities or using our advice to facilitate unlawful investment practices
• Sharing confidential financial planning strategies or proprietary methodologies with third parties without authorization
• Attempting to reverse engineer, copy, or replicate our financial planning processes for commercial purposes

Intellectual Property

All content, materials, financial planning tools, methodologies, and proprietary strategies provided by Lumenzistudio remain our exclusive intellectual property. Clients receive a limited license to use these materials solely for their personal financial planning purposes and may not reproduce, distribute, or commercialize any proprietary content.

Payment Terms

Payment for financial planning services is due according to the schedule specified in your individual service agreement. All fees are quoted in South African Rand and include applicable VAT.

Refund Policy

Refund eligibility depends on the specific service package and timing of the cancellation request. Detailed refund terms are provided in individual service agreements and must be requested within specified timeframes. Refunds are processed within 30 business days of approval.

Limitation of Liability

Lumenzistudio liability is limited to the amount paid for services. We are not liable for investment losses, market downturns, or financial outcomes beyond our direct control. All investment decisions carry inherent risks, and clients bear ultimate responsibility for their financial choices.

Indemnification

Clients agree to indemnify and hold harmless Lumenzistudio from any claims, losses, or damages arising from their use of our services, including decisions made contrary to our professional recommendations or advice.

Termination

Either party may terminate the service agreement with written notice. Upon termination, clients remain responsible for payment of services rendered, and confidentiality obligations continue to apply to both parties.

Governing Law

These Terms and Conditions are governed by South African law. Any disputes will be resolved through the courts of South Africa, and both parties consent to the jurisdiction of South African courts.

Policy Changes

Lumenzistudio reserves the right to modify these Terms and Conditions at any time. Changes will be posted on our website and become effective immediately. Continued use of our services constitutes acceptance of any modifications.

Contact Information

For questions about these Terms and Conditions, please contact us at info@lumenzistudio.com or call +27 82 820 5604