Terms of Use

Agreement to Terms

By accessing or using the Luminous Cruise website and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our website or services.

These terms apply to all visitors, users, and clients of our website and services.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of material changes by posting an updated version on our website with a revised date. Your continued use of our website or services following the posting of changes constitutes acceptance of those changes.

We encourage you to review these terms periodically to stay informed of any updates.

Use of Website

Permitted Use

You may use our website for lawful purposes related to learning about our services, contacting us, and accessing information we provide. You agree to use the website in a manner consistent with all applicable laws and regulations.

Prohibited Activities

You must not:

• Use the website in any way that causes or may cause damage to the website or impairs its availability or accessibility
• Use the website in any fraudulent, unlawful, or harmful manner
• Use the website to transmit or send unsolicited commercial communications
• Use the website for data mining, scraping, or similar data gathering activities
• Attempt to gain unauthorized access to our systems or networks
• Interfere with the security features of the website
• Use automated systems or software to extract data from the website without our permission
• Reproduce, duplicate, copy, or resell any part of our website without permission

Services

Nature of Services

Luminous Cruise provides financial guidance and educational services. Our services are designed to help individuals and businesses understand their financial situations and make informed decisions.

Our services do not constitute:

• Legal advice
• Tax advice (consult a qualified tax professional)
• Investment management or securities trading
• Guaranteed financial outcomes
• Professional advice regulated by the Financial Conduct Authority unless explicitly stated

Client Responsibilities

When engaging our services, you are responsible for:

• Providing accurate and complete information about your financial situation
• Implementing recommendations at your own discretion and risk
• Seeking additional professional advice where appropriate
• Informing us of changes to your circumstances that may affect our guidance
• Payment of fees as agreed

Service Limitations

We provide guidance based on the information you provide and general financial principles. We cannot:

• Guarantee specific financial outcomes
• Be responsible for implementation of recommendations
• Monitor your ongoing financial activities unless specifically engaged to do so
• Make decisions on your behalf

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Luminous Cruise or its content suppliers and is protected by UK and international copyright laws.

You may view and print pages from the website for your personal use, subject to restrictions set out in these terms. You must not:

• Republish material from this website without permission
• Sell, rent, or sublicense website content
• Reproduce or duplicate content for commercial purposes
• Redistribute content except as permitted by these terms
• Remove or alter copyright notices or attributions

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

We do not warrant that:

• The website will be continuously available or error-free
• Defects will be corrected
• The website or its server are free of viruses or other harmful components
• Information on the website is complete, accurate, or current

While we strive for accuracy, financial information and guidance are subject to change based on individual circumstances and evolving regulations.

Limitation of Liability

To the fullest extent permitted by law, Luminous Cruise shall not be liable for:

• Any indirect, consequential, or incidental damages arising from use of our website or services
• Loss of profits, revenue, data, or business opportunities
• Financial losses resulting from decisions made based on our guidance
• Damages resulting from unauthorized access to your data
• Errors or omissions in website content

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by UK law.

For professional services provided under a specific agreement, liability terms in that agreement may differ and will take precedence.

Indemnification

You agree to indemnify and hold Luminous Cruise harmless from any claims, damages, losses, or expenses arising from:

• Your use of our website
• Your violation of these terms
• Your violation of any rights of another party
• Any content you submit or transmit through the website

Third-Party Links

Our website may contain links to third-party websites for your convenience and information. We do not control or endorse these external sites and are not responsible for their content, privacy policies, or practices.

Accessing third-party websites is at your own risk. We recommend reviewing the terms and privacy policies of any external sites you visit.

Privacy and Data Protection

Your use of our website and services is also governed by our Privacy Policy and GDPR notices. Please review these documents to understand how we collect, use, and protect your personal information.

Payments and Refunds

Service fees are outlined on our Services page and confirmed before engagement. Payment terms will be specified in your service agreement.

Refund policies vary by service type:

• For one-time consultation services, refunds may be available if cancelled at least 48 hours before the scheduled session
• For ongoing services, cancellation terms will be specified in your agreement
• No refunds are provided for services already delivered

Specific refund terms will be detailed in your service agreement.

Confidentiality

We maintain confidentiality of information shared during our professional relationship, subject to legal and regulatory exceptions. Details of our confidentiality practices are outlined in our Privacy Policy and client agreements.

Professional Standards

We adhere to professional standards of conduct in providing financial guidance. If you have concerns about the quality of service provided, please contact us directly so we can address the matter promptly.

Termination

We reserve the right to terminate or suspend access to our website or services immediately, without notice, for conduct that we believe:

• Violates these terms
• Is harmful to other users or our business
• Exposes us to legal liability
• Is otherwise inappropriate

Upon termination, your right to use the website and services will cease immediately.

Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or use of our website will be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these terms is found to be invalid or unenforceable by a court, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms of Use, together with our Privacy Policy, GDPR notice, and Cookies Policy, constitute the entire agreement between you and Luminous Cruise regarding use of our website.

For professional services, specific service agreements will govern our professional relationship and may include additional terms.

Contact Information

If you have questions about these Terms of Use, please contact us:

Luminous Cruise
42 Castle Street
Liverpool, L2 9SH
United Kingdom
Email: [email protected]

Last Updated: April 2026