Terms & Conditions

Introduction

These terms and conditions apply to your use of the website luminerio.com and the services offered by Luminerio B.V. By using our website and/or services, you agree to these terms.

Our services

Luminerio provides financial advice and support to individuals in the Netherlands. Our services include:

• Financial advice and planning
• Support with applying for allowances and subsidies
• Information about social provisions
• Educational content about financial management
• Newsletters with financial tips and updates

Your obligations

When using our services, you agree to:

• Provide accurate and complete information
• Keep your account details confidential
• Not use our services for illegal purposes
• Not provide information that is false, misleading or harmful
• Notify us immediately of any unauthorized use of your account

Intellectual property

All content on this website, including but not limited to text, images, logos, icons, software and other materials, is the property of Luminerio B.V. or its licensors and is protected by Dutch and international intellectual property law.

Liability

The information on our website is intended for general information purposes only. Although we strive to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability or availability of the website or the information, products, services or related graphics contained on the website.

Disclaimer

The financial information on this website is for educational purposes only and does not constitute personal financial advice. We recommend that you seek professional advice before making financial decisions. Luminerio B.V. is not liable for any losses arising from reliance on the information on this website.

Termination

We reserve the right to suspend or terminate your access to our services, without prior notice, for any reason, including but not limited to breach of these terms.

Changes

We reserve the right to modify these terms at any time. Changes will take effect as soon as they are published on the website. By continuing to use the website after such changes, you agree to the modified terms.

Applicable law

These terms are governed by and interpreted in accordance with Dutch law. Any disputes arising from or relating to these terms are subject to the exclusive jurisdiction of the competent courts in Amsterdam, the Netherlands.

Contact

For questions about these terms and conditions, please contact us at: