Terms of Use
The terms governing your use of the Luminarento website and its content.
Please read these Terms of Use carefully before using luminarento.com. By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, please do not use this website.
1. Website Operator
This website is operated by Luminarento, located at C. Sta. María de los Reyes, 6, Local A, 41008 Sevilla, Spain (NIF: D35710445). For enquiries, contact info@luminarento.com or +34 954 929 292.
2. Purpose of the Website
This website provides informational and educational content about financial orientation services, including group workshops, private consultations, and educational materials. The content is intended for general information purposes only and does not constitute financial, legal, or investment advice.
3. Educational Nature of Content
All content on this website, including savings simulators, guides, and descriptions of services, is educational in nature. The calculators and tools provided are illustrative only and do not represent personalised financial advice. Users should seek qualified professional advice for their specific financial circumstances.
4. Acceptable Use
You may use this website for lawful personal purposes only. You must not:
- Use the website for any unlawful purpose
- Attempt to gain unauthorised access to any part of the website
- Transmit harmful, offensive, or disruptive content
- Reproduce or redistribute our content without prior written permission
5. Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of Luminarento or its licensors and is protected by Spanish and European intellectual property law. Reproduction, distribution, or modification without express written consent is prohibited.
6. Limitation of Liability
Luminarento makes no representations or warranties about the accuracy or completeness of the information on this website. To the extent permitted by applicable law, Luminarento shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this website or its content.
7. External Links
This website may contain links to third-party websites for informational purposes. Luminarento does not endorse, control, or accept responsibility for the content of external websites. Accessing external links is at your own risk.
8. Privacy and Cookies
Your use of this website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms of Use by reference.
9. Modifications
Luminarento reserves the right to modify these Terms of Use at any time. Changes will be effective upon publication on this page with an updated date. Continued use of the website after changes are published constitutes acceptance of the revised terms.
10. Governing Law and Jurisdiction
These Terms of Use are governed by Spanish law. Any disputes arising from the use of this website shall be subject to the jurisdiction of the courts of Sevilla, Spain, unless mandatory consumer protection law provides otherwise. This website complies with Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSI-CE) and applicable consumer protection regulations.