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For questions on this disclaimer, please contact our team.
Legal Disclaimer for Planning Solutions
Important Notice
Our planning content is for informational purposes only.
No specific result, return, or outcome is guaranteed by our team or its representatives.
By using lumivaroqent.com, you acknowledge that all financial planning services described here are subject to variability. Past outcomes are not indicative of future performance.
01
General Notice
Services provided are not investment advice and should not be considered as such. Always use independent judgment and, where appropriate, other professional assistance before making decisions. Users are responsible for all actions taken based on information on this website.
02
Our Liability Limitations
Our legal liability for site content or services is limited as follows:
- No liability for loss, direct or indirect, resulting from use of our content.
- No responsibility for communication errors, technical faults, or external events affecting advice.
- Site information may change at any time without notice.
- We do not warrant uninterrupted or completely error-free service.
03
On Information Accuracy
Information is checked for accuracy and updated as needed, but may become outdated. We do not warrant the completeness or continued accuracy of information at all times, and users should verify materials before relying on them.
Reliance on site information is at your sole discretion.
04
Professional Advice
Always seek advice from appropriate financial or legal professionals before making critical decisions.
05
External Links
Links to external content are for convenience only. We do not endorse external resources and assume no responsibility for their accuracy or practices.
06
No Implied Results
Each user’s experience is unique. We cannot predict or promise individual results.
Results May Vary
Outcomes depend on your circumstances, decision-making, and market conditions.
07
Financial and Fee Disclaimers
All rates, APRs, and fees are subject to change.
- No assurance of favourable or similar rates in future consultations.
- Market changes, regulations, or client profile shifts may impact terms.
- We specify all rates and fees before you make a commitment.
08
Jurisdiction and Legal Scope
Laws of South Africa apply.
Any legal concerns or disputes are subject exclusively to South African law and jurisdiction.
Always verify your obligations according to your location.
Users outside South Africa should comply with their own national rules where applicable.
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Indemnification · Severability · Modifications
Accept full responsibility for your actions and indemnify lumivaroqent.com for claims resulting from your or third-party use.
If any provision is deemed invalid, remaining sections will still apply.
Terms may change at any time as required to comply with local law.
Effective Date: March 20, 2026
Last Updated: March 20, 2026