1. Introduction

Welcome to the website of Lumina Consulting Limited (“we,” “us,” or “our”). By accessing or using our website (the “Site”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). Please read them carefully before using our Site. If you do not agree to these Terms, please do not use our Site.

2. Website Use

You agree to use our Site only for lawful purposes. You must not use the Site in any way that may damage, impair, or compromise its functionality or interfere with other users’ access.

3. Intellectual Property Rights

All content on this Site, including text, logos, and original images, is the property of Lumina Consulting Limited and is protected by copyright and trademark laws. Some graphics and images used on our Site are sourced from third-party providers under royalty-free licenses. These materials remain the property of their respective owners and are used in compliance with their licensing terms. You may not reproduce, distribute, or create derivative works from any content on our Site without prior written consent.

4. No Professional Advice

The information provided on this Site is for general informational purposes only and does not constitute professional advice. Any reliance you place on the information found on this Site is strictly at your own risk.

5. External Links

Our Site may contain links to third-party websites that are not owned or controlled by Lumina Consulting Limited. We are not responsible for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and conditions of any website you visit.

6. Limitation of Liability

Lumina Consulting Limited shall not be liable for any damages arising from your use of, or inability to use, our Site. This includes, but is not limited to, direct, indirect, incidental, consequential, or punitive damages.

7. Disclaimer of Warranties

Our Site and its content are provided “as is” without any warranties of any kind, either express or implied. We do not warrant that the Site will be error-free, secure, or available at all times.

8. Privacy Policy

Your use of our Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you agree to the terms of our Privacy Policy.

9. Changes to the Terms

We may update these Terms from time to time. Any changes will be posted on this page, and the “Last Updated” date will be revised. Your continued use of the Site after any changes constitute your acceptance of the updated Terms.

10. Governing Law

These Terms are governed by the laws of Hong Kong. Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

11. Contact Us

If you have any questions or concerns about these Terms, please contact us at:

Lumina Consulting Limited
Email: mandy@lumina-consults.com