Terms of Service

Agreement to Terms

By accessing or using Luminvera ("we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

We reserve the right to modify these Terms at any time. Your continued use of the site after changes constitutes acceptance of the updated Terms.

Description of Service

Luminvera is a marketing and referral service that connects users with insurance providers and partners. Our services include:

• Educational content about insurance products
• Information about various types of insurance coverage
• Connection services to insurance providers and partners
• Referral to third-party insurance companies and agents

Your Responsibilities

By using our service, you agree to:

• Provide accurate, truthful, and complete information
• Maintain and update your information to keep it accurate
• Accept responsibility for all activities that occur under your account
• Comply with all applicable laws and regulations
• Not use the service for any illegal or unauthorized purpose
• Not attempt to gain unauthorized access to our systems or networks
• Not interfere with or disrupt the service or servers connected to the service

No Professional Advice

The content on our website is for informational and educational purposes only. It is not intended as:

• Insurance advice: We do not provide recommendations about which insurance products to purchase
• Financial advice: We do not provide financial planning or investment advice
• Legal advice: We do not provide legal guidance or interpretation of insurance contracts
• Tax advice: We do not provide guidance on tax implications of insurance products

Third-Party Partners and Services

Our service connects you with third-party insurance providers, agents, and partners ("Partners"). You should understand that:

• We do not endorse or guarantee any Partner's products, services, or rates
• We are not responsible for the actions, omissions, or conduct of any Partner
• Partners are independent third parties over which we have no control
• Any relationship you form with a Partner is solely between you and that Partner
• We may receive compensation from Partners when you connect with them or purchase products

Affiliate Disclosure: Luminvera is a marketing partner. We may receive compensation if you connect with insurance providers through our service.

Insurance Products and Coverage

Regarding insurance products and coverage:

• No Insurance Issuance: We do not issue insurance policies or provide coverage
• No Binding Authority: We cannot bind insurance coverage on behalf of any insurer
• No Quotes: Any quotes or estimates displayed are for illustrative purposes only
• No Guarantees: We cannot guarantee that you will qualify for or receive any specific insurance product
• Policy Terms: All policy terms, conditions, and exclusions are determined by the insurance provider

All insurance decisions and agreements are made directly between you and the insurance provider. We are not a party to those agreements.

Accuracy of Information

While we strive to provide accurate and up-to-date information:

• We make no representations or warranties about the completeness, accuracy, reliability, or availability of the information
• Insurance rates, products, and availability vary by provider, location, and individual circumstances
• Product information may change without notice
• We are not responsible for any errors or omissions in the content

You should verify all information directly with insurance providers before making any decisions.

Communications and Contact

By using our service:

• You consent to receive communications from us (email, text, phone) regarding your inquiries and our services
• You consent to receive communications from our Partners regarding insurance products and services
• You agree that we may share your information with Partners for the purpose of connecting you with them

TCPA Compliance: We comply with the Telephone Consumer Protection Act. We will only contact you with your express consent and will honor opt-out requests.

Limitation of Liability

To the fullest extent permitted by law:

• Luminvera shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claims relating to the service shall not exceed the amount you paid, if any, to use the service
• We are not responsible for any loss or damage resulting from your use of insurance products or services obtained through Partners
• We are not responsible for the actions or omissions of any Partner or third party

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability, so the above limitations may not apply to you.

Indemnification

You agree to indemnify and hold harmless Luminvera and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any third-party rights
• Your purchase or use of insurance products through Partners

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Luminvera or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not use, reproduce, modify, or distribute our content without our prior written consent.

Termination

We reserve the right to:

• Suspend or terminate your access to the service at any time, with or without cause
• Terminate or suspend access immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties

Upon termination, your right to use the service will immediately cease.

Dispute Resolution

Any disputes arising from or relating to these Terms or the service shall be governed by the laws of the jurisdiction in which Luminvera is established, without regard to conflict of law principles.

Any disputes shall be resolved through binding arbitration, except that you may assert claims in small claims court if your claims qualify.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Luminvera is established, without regard to its conflict of law provisions.

General Information

• Entire Agreement: These Terms constitute the entire agreement between you and Luminvera
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force
• Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver
• Assignment: You may not assign these Terms without our prior written consent

Contact Us

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