Terms of Use

Last updated: September 11, 2026.

These Terms of Use govern your access to and use of luminarafa.com (the “Site”), which is operated by Luminara Family Advisors LLC (“Luminara,” “we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

Informational Purpose

The Site provides general information about Luminara and its services. Website content does not constitute investment, securities, tax, legal, accounting, or other professional advice and is not a substitute for advice based on your particular circumstances. Accessing the Site or contacting us does not create an advisory, fiduciary, professional, agency, or client relationship. Any engagement is governed exclusively by a separate written agreement. Please review our Legal Disclaimer.

Permitted Use

Subject to these Terms, Luminara grants you a limited, revocable, nonexclusive, nontransferable license to access and use the Site for lawful, personal, and noncommercial informational purposes.

Prohibited Conduct

You may not:

• Use the Site in violation of applicable law or the rights of another person.
• Attempt to gain unauthorized access to the Site, related systems, accounts, or data.
• Interfere with, disrupt, damage, overload, or circumvent the Site or its security controls.
• Introduce malware, malicious code, or harmful content.
• Use automated tools to scrape, harvest, monitor, copy, or extract Site content or data without written permission, except for ordinary search-engine indexing that complies with our instructions.
• Impersonate Luminara or another person, misrepresent your affiliation, or use the Site for fraudulent or misleading activity.
• Use Luminara’s name, trademarks, content, or branding to imply endorsement, affiliation, or authorization without written permission.

Communications

Our general email address is provided for initial inquiries only. Do not submit confidential, sensitive, emergency, time-sensitive, payment, transfer, investment, authentication, or account information by email. A submission does not create a professional relationship or duty of confidentiality. You represent that information you submit is accurate, lawful, and that you are authorized to provide it.

Intellectual Property

The Site and its content, including text, design, graphics, photographs, illustrations, logos, trademarks, service marks, and software, are owned by or licensed to Luminara and are protected by applicable intellectual-property laws. Except for the limited license above or as permitted by law, you may not reproduce, modify, distribute, publish, display, transmit, create derivative works from, or commercially exploit Site content without Luminara’s prior written permission. No license to use Luminara’s trademarks or branding is granted by implication or otherwise.

Third Party Links

The Site may contain links to third-party websites or services. Links are provided for convenience and do not constitute endorsement. Luminara does not control and is not responsible for third-party content, availability, products, services, security, or privacy practices. Your use of third-party resources is governed by their terms and policies.

Disclaimer of Warranties

To the fullest extent permitted by law, the Site and its content are provided “as is” and “as available.” Luminara disclaims all express, implied, and statutory warranties, including warranties of accuracy, completeness, availability, security, noninfringement, merchantability, and fitness for a particular purpose. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, Luminara and its owners, officers, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, loss of data, loss of profits, or other losses arising out of or relating to the Site, its content, or your use of or inability to use the Site, even if advised of the possibility of such damages. To the fullest extent permitted by law, Luminara’s aggregate liability for any claim arising from the Site will not exceed one hundred dollars. These limitations do not apply to liability that cannot lawfully be limited or excluded.

Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Luminara and its owners, officers, employees, contractors, and agents from claims, liabilities, damages, judgments, losses, and reasonable costs arising from your unlawful or unauthorized use of the Site, your violation of these Terms, or your violation of another person’s rights.

Suspension and Termination

We may restrict or terminate access to the Site at any time when reasonably necessary to protect the Site, Luminara, or others; respond to legal requirements; or address a violation of these Terms.

Governing Law and Venue

These Terms and any dispute arising out of or relating to the Site are governed by the laws of the State of Connecticut, without regard to conflict-of-laws principles. Subject to applicable law, the state and federal courts located in Connecticut will have exclusive jurisdiction, and you consent to personal jurisdiction and venue in those courts.

General Terms

If any provision of these Terms is held unenforceable, the remaining provisions will remain in effect, and the affected provision will be enforced to the maximum extent permitted by law. A waiver must be in writing and applies only to the specific instance stated. You may not assign your rights or obligations under these Terms without our written consent; we may assign them in connection with a reorganization, merger, sale, or transfer of our business. These Terms, together with the Legal Disclaimer and any policies referenced here, constitute the entire agreement concerning use of the Site and do not alter any separate written engagement agreement with Luminara.

Changes to These Terms

We may update these Terms by posting a revised version on the Site and changing the last-updated date. Changes apply prospectively when posted unless applicable law requires additional notice or consent. Your continued use of the Site after an update constitutes acceptance of the revised Terms.

Contact

Questions about these terms may be sent to info@luminarafa.com.