Legal disclaimer for using lumeriqara.com

General notice

This Disclaimer governs use of the lumeriqara.com website and any information, tools, or materials made available on it. By accessing or using the website, the user acknowledges that they have read, understood, and agreed to the terms of this Disclaimer. If the user does not agree, they should refrain from using the website. The Company may update or amend this Disclaimer periodically, and continued use of the website after changes are published constitutes acceptance of the revised terms. Users are encouraged to review this page regularly to remain informed about current conditions of use.

Limitations of liability

Use of this website is at the user’s own risk. The Company aims to provide useful and accurate information, but cannot guarantee that content will always be complete, error free, or suitable for every purpose. Users should consider their own circumstances carefully before relying on any material published on lumeriqara.com.

To the fullest extent permitted by law, the Company excludes all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, in relation to the website and its content. This includes, without limitation, implied warranties of merchantability, fitness for a particular purpose, and non infringement, except where such warranties cannot lawfully be excluded.
The Company is not liable for any loss or damage arising out of or in connection with the use of, or inability to use, the website or any content, whether based on contract, tort, statute, or any other legal theory. This includes, without limitation, direct, indirect, incidental, consequential, special, or punitive damages, such as loss of profit, loss of opportunity, or business interruption, even if the possibility of such loss has been advised.
The Company is not responsible for any technical issues, including failures, interruptions, or delays in telecommunications or internet services, that may affect access to or use of the website. Users are responsible for implementing appropriate security measures, including up to date antivirus and other protective software, before downloading or relying on any material from the website.
Nothing in this Disclaimer is intended to exclude, restrict, or modify any rights, remedies, guarantees, or liabilities that cannot be excluded or limited under applicable consumer protection or other laws. Where such laws apply, and liability cannot be excluded, it is limited to the minimum extent required by law.

Information accuracy notice

The information on this website is provided on an “as is” basis for general information purposes related to home purchase financial planning in Australia. The Company takes reasonable steps to keep content current and useful, but does not warrant that information is complete, accurate, up to date, or suitable for every situation. Users remain responsible for verifying any figures, examples, or explanations before relying on them for decisions involving borrowing, property transactions, or other financial commitments.

Information may become outdated or incomplete without notice, and occasional errors or omissions may occur. The Company does not accept responsibility for any loss arising from reliance on website content without independent verification or professional advice.

No personalised professional advice

All content provided on this website is for general information only and does not take into account the personal objectives, financial situation, health status, or needs of any individual. It does not constitute financial, legal, tax, medical, or other professional advice. Users should obtain advice from appropriately qualified professionals, such as licensed financial advisers, legal practitioners, or medical practitioners, before making decisions based on information from this website. Where relevant, users should consult their physician before use of any health related product or service mentioned.

External links

The website may contain links or references to external websites or resources operated by third parties. These links are provided for convenience only and do not imply endorsement, approval, or control by the Company over the content, products, or services available on those external sites. The Company is not responsible for the availability, security, or accuracy of information on external websites, and users access such sites at their own discretion and subject to the terms and policies of those third parties.

No assurance of outcomes

Any references on this website to outcomes, such as improved financial understanding, changes to repayment structures, or other benefits, are illustrative in nature. They are not promises or assurances that any particular user will achieve the same or similar outcomes. Many factors beyond the control of the Company influence results, including individual behaviour, market conditions, and regulatory developments. Past performance does not guarantee future results, and results may vary from person to person.

Variation in individual results

Different users may apply similar information in different ways and at different times, leading to different results. Illustrative case studies, scenarios, or comparisons are designed to demonstrate possible approaches only. They do not represent typical or expected outcomes for all users. Each user remains responsible for assessing whether any approach is suitable for their own circumstances and for monitoring the ongoing suitability of any decisions they make.

Financial information disclaimer

Content on this website is of a general nature and is not tailored to the financial objectives, situation, or needs of any particular person. Nothing on lumeriqara.com should be interpreted as a personal recommendation, a request or invitation to enter into a financial transaction, or an offer of any financial product or service.

The Company does not act as a lender, mortgage broker, financial adviser, or legal representative. Any descriptions of deposits, interest rates, annual percentage rates, fees, or repayment terms are illustrative only and may not reflect options available to a particular user. Before entering into any loan or other financial arrangement, users should consult appropriately licensed professionals and review applicable product documentation.
Examples, scenarios, or comparisons presented on the website are intended to demonstrate possible outcomes under specific assumptions. They do not constitute forecasts or promises. Past performance does not guarantee future results, and results may vary based on individual behaviour, market conditions, and regulatory changes. Users should not rely on illustrative figures as a basis for committing to any financial decision without independent assessment.
Where reference is made to costs associated with property ownership, such as council rates, insurance, maintenance, or strata fees, these references are general and may differ significantly by location, property type, and provider. Users are responsible for confirming actual costs with relevant service providers, authorities, or advisers before entering into binding contracts or making long term commitments.

Governing law and jurisdiction

The operation of this website and the terms of this Disclaimer are influenced by the legal framework applicable in the jurisdiction where the Company is established. Users accessing the website from other locations are responsible for ensuring that their use complies with local laws and regulations.

To the extent permitted by law, this Disclaimer and any dispute arising out of or in connection with the use of this website are governed by the laws of Australia. Users agree to submit to the non exclusive jurisdiction of the courts and tribunals of that jurisdiction in relation to any such dispute. If a user accesses the website from outside Australia, they do so on their own initiative and are responsible for compliance with any applicable local laws to the extent they apply.

Regulatory requirements and industry practices relating to lending, property transactions, and financial services may change over time and can differ between regions. References on this website are primarily framed for an Australian context and may not be appropriate elsewhere. Users should check relevant local regulations and, where necessary, obtain advice from qualified professionals before acting on any information presented here.

Indemnification

To the maximum extent permitted by applicable law, the user agrees to indemnify and hold harmless the Company, its officers, employees, and contractors from and against any claims, liabilities, damages, losses, or expenses, including reasonable legal fees, arising out of or in any way connected with the user’s access to or use of the website, violation of this Disclaimer, or infringement of any rights of a third party. This indemnity applies except to the extent that any loss arises directly from the Company’s own fraud, wilful misconduct, or conduct that cannot be excluded under applicable law.

Severability

If any provision of this Disclaimer is found by a court or other competent authority to be invalid, unlawful, or unenforceable, that provision will be severed from the remaining terms, which will continue in full force and effect. Any invalid, unlawful, or unenforceable provision will be interpreted, where possible, in a manner consistent with applicable law and the original intent of the parties as reflected in this Disclaimer.

Changes to this Disclaimer

The Company reserves the right to modify, update, or remove any part of the website, including this Disclaimer, at any time without prior notice. Changes may reflect updates in services, legal requirements, or internal policies. The version of the Disclaimer that applies is the one published on this page at the time the website is used. Users are responsible for checking this page periodically to ensure they are familiar with the current terms.

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