Last Updated: May 11, 2026
By accessing or using the Luminous Retreat website (luminous-retreat.com) or engaging our services, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.
Luminous Retreat provides financial consulting, optimization, and educational services to individuals and businesses in Australia. Our services include but are not limited to:
You must be at least 18 years old to use our services. By using our website or services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms of Use.
Not Financial Advice: The information provided on our website and through our services is for educational and informational purposes. While we strive to provide accurate and up-to-date information, it should not be considered as professional financial, investment, tax, or legal advice.
Consult Professionals: You should consult with qualified professionals (such as licensed financial advisors, accountants, or attorneys) before making any financial decisions based on information from our website or services.
No Guarantees: We do not guarantee specific financial outcomes or results. Past performance and case studies do not guarantee future results. Your financial situation is unique, and results will vary.
When using our website and services, you agree to:
All content on the Luminous Retreat website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Luminous Retreat or its content suppliers and is protected by Australian and international copyright laws.
You may not:
By purchasing our services, you agree to:
All fees are quoted in Australian Dollars (AUD) and are non-refundable except as specified in our refund policy or performance guarantee.
We offer a performance guarantee on our services: if we do not identify savings or optimization opportunities worth at least 3x our fee within 60 days, we will provide a full refund upon request. Refund requests must be submitted in writing to [email protected] within 90 days of service purchase.
To the fullest extent permitted by law, Luminous Retreat and its officers, directors, employees, and agents shall not be liable for:
Our total liability for any claim arising out of or relating to these Terms of Use or our services shall not exceed the amount you paid for the specific service giving rise to the claim.
You agree to indemnify, defend, and hold harmless Luminous Retreat and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
Our website may contain links to third-party websites or services that are not owned or controlled by Luminous Retreat. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party content, goods, or services.
We reserve the right to modify or discontinue our website or services at any time without notice. We also reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website or services after any changes constitutes your acceptance of the new terms.
Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand our data collection and use practices.
We understand that our consulting services may involve the disclosure of sensitive financial information. We are committed to maintaining the confidentiality of all client information and will not disclose it to third parties except:
We reserve the right to suspend or terminate your access to our website or services at any time, with or without cause, and with or without notice, for any reason including but not limited to:
Upon termination, your right to use the website and services will immediately cease.
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Victoria, Australia, without regard to its conflict of law provisions.
Any disputes arising out of or relating to these Terms of Use or our services shall be resolved through:
If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Use will otherwise remain in full force and effect and enforceable.
These Terms of Use, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Luminous Retreat regarding the use of our website and services.
Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of those rights. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by an authorized representative of Luminous Retreat.
If you have any questions about these Terms of Use, please contact us:
Email: [email protected]
Address: Level 12, 247 Collins Street, Melbourne VIC 3000, Australia