Terms and conditions for site use

Please review these terms carefully, as your use of luminarora constitutes acceptance of these policies and guidelines. Designed to meet Australian requirements.

October 14, 2025

Agreement to terms required

By visiting or using luminarora, you agree to comply with these conditions. If you do not accept any part, do not use this website. These terms apply to all visitors, users, and others accessing the service.

Key definitions

To ensure understanding, we clarify some important terms as used on this site.

• "luminarora" refers to luminarora.com and any platforms under this brand where services are provided.
• "Service" means the budgeting support, consultation, and planning resources we offer onsite or by contact.
• "User" is any person accessing content or interacting with luminarora services.
• "Content" includes all data, guides, articles, and communications made available on the site.

How site and services may be used

This site and its content are meant for informational and consultative purposes. Not for resale or redistribution. Use only as permitted herein.

Eligibility

You must be at least 18 years old to use luminarora. Access is limited to those with capacity under Australian law.

If under 18, use is not permitted.

Your responsibilities as user

All users must ensure their actions are legal, respectful, and in line with the policies below.

• Observe all Australian laws and applicable regulations.
• Protect your account and confidential information at all times.
• Use luminarora resources honestly—no misleading representation or unsanctioned distribution.
• Report any security issues or misuse quickly to support staff.

Prohibited uses

It is forbidden to use this website in the following ways:

• For fraudulent, illegal activities, or any action violating applicable law.
• To solicit, distribute, or promote unauthorised commercial content.
• To upload or transmit viruses or harmful code that impacts users.
• For harassment, threats, or abuse of any kind towards others.
• For automated data mining or scraping of site content.

Intellectual property rights

All content, designs, and resources on luminarora are owned by or licensed to luminarora and protected by intellectual property laws. Any use beyond personal consultation requires prior written approval.

User content

Comments or communications submitted become property of luminarora, with personal data handled as detailed in the privacy policy.

Privacy policy reference

By using luminarora, you also acknowledge the privacy policy and accept the described data practices. For more details see our dedicated privacy page. See privacy policy

Disclaimer summary

luminarora strives for accuracy and transparency. Please read the full disclaimer for details on liability and limitations.

Limitation of liability

luminarora is not responsible for any damages, direct or indirect, arising from use of website materials or advice. Use at your own risk.

Indemnification

You agree to hold luminarora harmless for claims, costs, damages, or losses related to your use or misuse of this site.

Resolving disputes and complaints

For concerns or disputes, contact our support team for review and resolution per Australian standards.

Governing law and jurisdiction

These terms are governed by Australian law. Courts in Australia have exclusive jurisdiction.

Termination

luminarora may suspend or terminate access at any time for violation of terms or legal requirements.

Modifications

luminarora reserves the right to revise these terms at any time. Please review regularly for changes.

Severability

If a court finds any part of these terms unenforceable, the remainder will continue in effect.

Entire agreement statement

These terms, privacy policy, and disclaimer constitute the full agreement between user and luminarora.

Contact details

If you have questions about these terms, please contact our team below.