Terms of Service

1. Acceptance of terms

By accessing or using the Lumina Risk Advisory website (luminarisk.io), you agree to be bound by these Terms of Service. If you do not agree, please do not use the site.

2. Website use

This website is provided for informational purposes. You agree not to:

• — Use the site for any unlawful purpose
• — Attempt to gain unauthorized access to any part of the site
• — Reproduce, distribute, or modify site content without written permission
• — Submit false or misleading information through any site form

3. Information on this site

The content on this website is provided for general informational purposes only. Nothing on this site constitutes legal, accounting, or professional advisory services. All engagements are governed by separate written agreements. We make no warranty that information on this site is current, complete, or accurate.

4. Intellectual property

All content on this site — including text, design, and graphics — is owned by or licensed to Lumina Risk Advisory and protected by applicable copyright law. Redistribution or commercial resale is not permitted.

5. Limitation of liability

To the maximum extent permitted by applicable law, Lumina Risk Advisory is not liable for any indirect, incidental, special, or consequential damages arising from use of this website or reliance on any information provided herein, even if we have been advised of the possibility of such damages.

6. Links to third parties

This site may link to third-party websites (including scheduling tools and social media). We have no control over those sites and accept no responsibility for their content, privacy practices, or availability.

7. Governing law

These terms are governed by the laws of India. Any dispute arising from or in connection with use of this website shall be subject to the exclusive jurisdiction of the courts of New Delhi, India.

8. Changes to terms

We may update these terms at any time. Continued use of the site after changes constitutes acceptance of the updated terms. Material changes will be reflected in the "last updated" date above.

9. Contact

Questions: hello@luminarisk.io