Legal Disclaimer

General Disclaimer

The information provided by lumorinthaxa ("we," "us," or "our") on lumorinthaxa.com (the "Service") is for general informational purposes only. All information on the Service is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Service.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Service or reliance on any information provided on the Service. Your use of the Service and your reliance on any information on the Service is solely at your own risk.

Financial Information Disclaimer

The financial information, expense categorization tools, and related materials provided through our Service are for educational and informational purposes only. This information should not be construed as professional financial advice, investment advice, or recommendations for specific financial decisions.

lumorinthaxa does not provide personalized financial advice or recommendations. Any financial decisions you make based on information from our Service should be made in consultation with qualified financial professionals who understand your specific circumstances and needs.

We expressly disclaim any responsibility for financial losses or damages that may result from your use of our expense categorization tools or any financial information provided through our Service. Past performance or example categorizations do not guarantee future results or outcomes.

Limitation of Liability

In no event shall lumorinthaxa, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

Our total liability to you for any claims arising out of or relating to the Service shall not exceed the amount you paid to us for the Service in the twelve months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above exclusions and limitations may not apply to you.

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if lumorinthaxa has been advised of the possibility of such damage.

Accuracy of Information

While we strive to provide accurate and up-to-date information through our Service, we cannot guarantee the accuracy, completeness, or timeliness of all information. Financial regulations, tax laws, and expense categorization requirements may change frequently and vary by jurisdiction.

The information provided is current as of January 2025 and may not reflect the most recent legal developments or changes in financial regulations. Users are advised to verify all information with current official sources and consult with qualified professionals before making financial decisions.

lumorinthaxa reserves the right to modify, update, or remove any information on the Service at any time without prior notice. We encourage users to regularly check for updates to ensure they have access to the most current information available.

Professional Advice Limitations

Our Service is designed to assist with expense categorization and financial organization, but it does not replace professional accounting, legal, or financial advice. The tools and information provided should be used as a starting point for your financial organization, not as a substitute for professional consultation.

Tax implications, legal requirements, and financial regulations vary significantly based on individual circumstances, business structure, and jurisdiction. What may be appropriate for one user may not be suitable for another. Always consult with qualified professionals including accountants, tax advisors, or financial consultants before making significant financial decisions.

lumorinthaxa does not assume responsibility for the consequences of any actions taken based solely on the information or tools provided through our Service without proper professional guidance.

Third-Party Content and Links

Our Service may contain links to third-party websites, applications, or resources that are not owned or controlled by lumorinthaxa. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

The inclusion of any link does not imply endorsement by lumorinthaxa of the site or any association with its operators. You acknowledge and agree that lumorinthaxa shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

Service Availability and Technical Limitations

lumorinthaxa provides the Service on an "as is" and "as available" basis. We do not warrant that the Service will be uninterrupted, secure, or error-free. Technical issues, maintenance, updates, or other factors may temporarily affect service availability.

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without prior notice. Users are responsible for maintaining their own backups of any data entered into our systems.

While we implement reasonable security measures, we cannot guarantee the absolute security of data transmitted through or stored on our Service. Users should take appropriate precautions to protect sensitive financial information.