Terms of Service

These Terms of Service (“Terms”) govern your use of luminariefinancial.com (the “Site”), operated by Luminarie Financial Corporation (“Luminarie Financial,” “we,” “us,” or “our”). By using the Site, you agree to these Terms.

Use of the Site

You may use the Site to learn about our services and to request information, a consultation, or an agent opportunity. You agree not to misuse the Site, interfere with its normal operation, or submit false or misleading information through our forms.

Educational Content Only

Content on this Site — including articles, descriptions of insurance and retirement products, and general guidance — is provided for educational and informational purposes only. It does not constitute insurance, financial, legal, or tax advice, and should not be relied upon as a substitute for consultation with a licensed advisor regarding your specific situation.

No Guarantee of Coverage, Rates, or Eligibility

Nothing on this Site is a guarantee of insurance coverage, premium rates, plan availability, or eligibility. Coverage, rates, and eligibility are determined by the insurance carrier and may vary by state, plan, and individual circumstances.

Intellectual Property

All content on this Site, including text, graphics, logos, and images, is the property of Luminarie Financial Corporation or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.

Third-Party Links

Our Site may contain links to third-party websites, including Medicare.gov and insurance carrier sites. We are not responsible for the content, accuracy, or privacy practices of any third-party site.

Limitation of Liability

To the fullest extent permitted by law, Luminarie Financial Corporation shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on any information provided on it.

Indemnification

You agree to indemnify and hold harmless Luminarie Financial Corporation, its agents, and employees from any claims or damages arising out of your misuse of the Site or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles.

Changes to These Terms

We may update these Terms from time to time. The “Last updated” date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

Contact Us

Questions about these Terms? Contact us at contact@luminariefinancial.com or (949) 288-8898.