General site disclaimer notice

Important notice

Always verify financial information before making decisions.

We do not claim results will be identical for all users; outcomes depend on individual circumstances.

This website offers guidance and resources intended to help users develop their financial skills and budgeting ability. All statements are provided in good faith. luminarora does not provide legal, tax, or investment services. Consult qualified professionals before acting on any advice from this site.

General notice

Information presented is based on public sources and standard practices relevant to Australia. We strive for accuracy but do not guarantee completeness. Some resources may not apply to every user; use discretion and seek professional advice if needed. Results may vary.

Liability limitations statement

Use of this website is at your own risk and discretion. luminarora disclaims liability for any damages or losses arising from reliance on the site's information.

luminarora is not responsible for actions, omissions, or interpretations based on content provided here.
Financial decisions carry inherent risks and should be considered carefully with independent advice.
No aspect of this site constitutes an offer for financial products or legal/tax services.
Users retain complete responsibility for their choices when utilising any resources or tools provided.

Accuracy of information

We frequently review and update our content for accuracy, but information may change due to external factors. luminarora encourages you to cross-reference sources. Any inaccuracies reported will be addressed quickly and transparently.

We cannot ensure all site materials will always be current or error‑free.

Professional advice required

Nothing on this site replaces the value of independent financial or legal advice specific to your needs. Always consult qualified professionals prior to taking action.

External links

Links provided to third-party websites are for your convenience. luminarora has no control over, and takes no responsibility for, content or actions of these external sites.

Results may vary disclaimer

All progress or results described depend upon your actions, engagement, and situation. There are no guarantees. Results may differ in each circumstance.

Past results not a predictor

Success achieved by others does not ensure similar outcomes for you. Each user’s experience is unique.

Not financial or investment advice

luminarora is not a licensed financial advisor or tax consultant. No part of this website should be viewed as tax or investment advice.

Consult a certified Australian financial or tax professional before any significant decision.
Resource and tool use should be considered alongside individual conditions and needs.
luminarora is not liable for choices made solely on the basis of website content.

Jurisdiction and compliance

This website is provided within Australian legal boundaries and is intended for Australian users.

All terms, conditions, and use policies conform to relevant Australian consumer law and privacy legislation.

Your use of luminarora is subject to the laws and regulations of Australia.

Users outside Australia should consult local rules before using our services.

Indemnification

By using this site you agree to hold luminarora harmless from claims or liabilities relating to website resources or content.

Severability

If any provision of this disclaimer is found invalid, other provisions remain independently effective.

Modifications

luminarora reserves the right to change this disclaimer and content at any time. Please check for updates.

Contact us

For any questions or concerns regarding this disclaimer, please use the details below.

Contact email: content@luminarora.com

Phone number: +61.3.8619.2398

Office location: 66 Clarence Street, Sydney, NSW 2000 Australia

Disclaimer effective date: October 9, 2025

Last updated: October 9, 2025