The conditions governing your use of luminerato.com and our educational services.
By accessing or using the website luminerato.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this Site.
These Terms of Use apply to all visitors, users, and anyone who accesses or uses the Site or any of its associated services. Luminerato reserves the right to modify these terms at any time. Continued use of the Site after any modification constitutes your acceptance of the updated terms.
These Terms are governed by and construed in accordance with the laws of the United Mexican States, including the Código Civil Federal and applicable commercial and consumer protection legislation.
Luminerato provides educational and informational content related to personal finance, household financial planning, emergency funds, major expense planning, and introductory investment concepts. All content on this Site — including articles, guides, program materials, and session summaries — is provided for educational and informational purposes only.
Our service is financial orientation and financial literacy education. We explain concepts, frameworks, and approaches that individuals and families can use to better understand their financial situation.
Nothing on this Site constitutes financial advice, investment advice, tax advice, legal advice, or any other professional advisory service regulated under Mexican law. Luminerato is not a financial institution, investment advisor, broker-dealer, or any other regulated financial entity under the Ley del Mercado de Valores, the Ley de Instituciones de Crédito, or any other applicable Mexican financial regulation. We do not manage funds, execute transactions, or hold any form of financial license or authorization from the Comisión Nacional Bancaria y de Valores (CNBV) or any other regulatory body.
Any decisions you make regarding your personal finances, savings, or investments are entirely your own responsibility. We encourage you to consult with a licensed financial professional before making significant financial decisions.
You may use this Site for lawful, personal, and non-commercial purposes. Specifically, you are permitted to:
You are not permitted to:
All content on this Site, including but not limited to text, guides, program materials, graphics, logos, icons, and the overall design and layout, is the intellectual property of Luminerato or its licensors and is protected by applicable Mexican and international intellectual property laws.
The Luminerato name, logo, and brand identity are proprietary to Luminerato. You may not use them without prior written consent. Downloadable guides provided on this Site are licensed for personal, non-commercial use only. Redistribution, resale, or modification of these materials is not permitted without express written authorization.
The content on this Site is provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied. Luminerato does not warrant that the Site will be uninterrupted, error-free, or free from viruses or other harmful components.
To the fullest extent permitted by applicable law, Luminerato shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content. This includes but is not limited to any financial decisions made based on information found on this Site.
Luminerato does not control, endorse, or take responsibility for any third-party websites linked from this Site. Visiting any linked site is at your own risk.
When you submit information through our contact forms or session request forms, you represent that the information provided is accurate and that you are authorized to provide it. You agree not to submit false, misleading, or harmful content through our forms.
Submitting a form does not create a contractual obligation on the part of Luminerato to provide any specific service, schedule any specific session, or respond within any specific timeframe. We will make reasonable efforts to respond to all inquiries in a timely manner during business hours.
These Terms of Use are governed by the laws of the United Mexican States. Any disputes arising from or related to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the competent courts of Ciudad de México, Mexico. By using this Site, you consent to the personal jurisdiction of such courts.
If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect.
Luminerato reserves the right to modify, suspend, or discontinue any aspect of the Site or its services at any time without prior notice. We also reserve the right to restrict access to parts of the Site or the entire Site at our discretion.
We may update these Terms of Use at any time. The updated version will be posted on this page with a revised "Last Updated" date. Your continued use of the Site after any changes constitutes acceptance of the new terms. If you disagree with any updated terms, your remedy is to discontinue use of the Site.
For questions about these Terms of Use, please contact us at info@luminerato.com or at our office address: Central Sur 519, Ciudad de México, Mexico.