Terms of Use

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and luminexoraqi (ABN 123456789), operating from 18-20 Kemble Ct, Mitchell ACT 2911, Australia. By accessing our platform at luminexoraqi.sbs, creating an account, or using any of our financial modeling services, you agree to comply with and be bound by these terms.

We reserve the right to modify these terms at any time without prior notice. Continued use of our platform after such modifications constitutes your acceptance of the updated terms. It is your responsibility to review these terms periodically for changes.

If you are using our services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms, and your agreement to these terms will be treated as the agreement of the organization.

2. Service Description and Educational Purpose

luminexoraqi provides educational financial modeling tools, resources, and training materials designed to enhance your understanding of financial analysis and modeling techniques. Our platform offers interactive learning modules, practice exercises, and educational content related to financial modeling, valuation, and analysis.

All services provided are for educational purposes only and should not be construed as financial advice, investment recommendations, or professional consulting services. We do not guarantee any specific financial outcomes, career advancement, or employment opportunities as a result of using our platform.

3. User Accounts and Registration

To access certain features of our platform, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

• You must be at least 18 years of age to create an account
• You agree to provide truthful, accurate, and complete information during registration
• You must promptly update your account information if any changes occur
• You are prohibited from creating multiple accounts or sharing account access with others
• You must notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these terms or engage in suspicious activity. Account termination may result in loss of access to purchased content and materials.

4. Acceptable Use Policy

You agree to use our platform only for lawful purposes and in accordance with these terms. Prohibited activities include, but are not limited to:

• Attempting to gain unauthorized access to our systems or other user accounts
• Distributing viruses, malware, or other harmful software
• Engaging in any activity that disrupts or interferes with our services
• Using automated tools or scripts to access or interact with our platform
• Copying, distributing, or reverse-engineering our proprietary content without permission
• Harassing, threatening, or impersonating other users
• Using our services for any illegal or fraudulent activities

5. Intellectual Property Rights

All content, materials, software, and intellectual property on the luminexoraqi platform are owned by us or our licensors and are protected by Australian and international copyright, trademark, and other intellectual property laws.

Any unauthorized use of our intellectual property may result in immediate termination of your access and potential legal action under applicable copyright and trademark laws.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

You have the right to access, correct, or delete your personal information in accordance with applicable privacy laws. Contact us at info@luminexoraqi.sbs for privacy-related inquiries or requests.

7. Payment Terms and Refunds

Payment for our services is due in advance and must be made through our approved payment methods. All fees are non-refundable unless otherwise specified in writing or required by applicable consumer protection laws.

Price changes for subscription services will be communicated at least 30 days in advance. Continued use of our services after a price change constitutes acceptance of the new pricing.

8. Disclaimers and Limitation of Liability

Our platform and services are provided "as is" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, luminexoraqi shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising from your use of our services.

9. Governing Law and Dispute Resolution

These terms are governed by the laws of Australia and the Australian Capital Territory. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts located in Canberra, ACT.

10. Termination

Either party may terminate this agreement at any time. We reserve the right to suspend or terminate your access to our services immediately, without prior notice, if you violate these terms or engage in prohibited activities.

Upon termination, your right to use our services will cease immediately. Provisions regarding intellectual property, disclaimers, limitation of liability, and dispute resolution will survive termination of this agreement.