Legal
Please read these Terms & Conditions carefully before enrolling. By purchasing access to or using any Luminate Consulting course, content, or service, you confirm that you have read, understood, and agreed to be bound by these terms in their entirety.
These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("Student," "User," or "you") and Luminate Consulting LLC ("Luminate Consulting," "we," "our," or "us"). By accessing our website, purchasing a course, or using any of our educational materials, you agree to these Terms.
If you do not agree with any part of these Terms, you must not purchase or use our services.
IMPORTANT: Luminate Consulting is an educational company. We are NOT financial advisors, investment advisors, broker-dealers, or licensed financial professionals. Nothing we teach, write, say, demonstrate, or publish — in any format — constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice.
All course content, materials, videos, examples, strategies, and commentary provided by Luminate Consulting are for general educational and informational purposes only. They are not tailored to your individual financial situation, goals, risk tolerance, tax status, or circumstances.
Before making any investment decision, you should:
Luminate Consulting does not manage money, recommend specific securities for purchase or sale, or provide personalised investment recommendations of any kind.
RISK WARNING: Investing in the stock market involves significant risk, including the possible loss of your entire principal investment. The value of investments can go down as well as up. You may receive back less than you invest.
You expressly acknowledge and accept the following risks:
Past performance of any strategy, stock, index, or investment discussed in our courses is not indicative of future results. Historical data and examples are provided for illustrative and educational purposes only.
Luminate Consulting makes no representation, warranty, or guarantee — express or implied — that you will achieve any specific financial return, profit, or outcome as a result of completing our courses or applying the strategies taught therein.
While we provide examples of realistic long-term investment outcomes (such as the historical performance of the S&P 500), these are illustrative of general market history and do not constitute a promise or prediction of your individual results.
We explicitly state:
We believe in transparency: the investment strategies we teach are designed for long-term wealth building. Realistic expectations for a diversified, long-term equity portfolio have historically been in the range of 7–10% annualised returns over extended periods. Results vary significantly by individual, time period, and market conditions.
All content provided by Luminate Consulting — including but not limited to videos, written materials, charts, tools, examples, case studies, and interactive features — is provided solely for educational and informational purposes.
Our courses are designed to teach you how financial markets work and how various investment strategies function — not to tell you what to do with your money. The application of any educational content to real financial decisions is entirely at your own discretion and risk.
Any reference to specific stocks, ETFs, indices, or financial instruments in our course materials is for illustrative and educational purposes only and does not constitute a recommendation to buy or sell those instruments.
To the fullest extent permitted by applicable law, Luminate Consulting, its officers, directors, employees, instructors, contractors, and affiliates shall not be liable for:
In no event shall our total aggregate liability to you exceed the amount you paid for the course in the twelve months preceding the claim.
You assume full and sole responsibility for all investment decisions you make and all outcomes that result from applying anything learned through our educational content.
Upon successful payment and completion of enrollment, you will receive:
Your course access is personal and non-transferable. You may not share, sell, transfer, or distribute your login credentials or course content to any third party. Violation of this clause may result in immediate termination of your account without refund.
We reserve the right to suspend or terminate access for any user who violates these Terms, engages in fraudulent activity, or misuses the platform.
All payments are processed securely through Stripe. By completing payment, you authorise the charge of USD $1,000 (or the current published price at time of purchase) to your chosen payment method.
Refund Policy:
Luminate Consulting reserves the right to modify pricing at any time. Price changes do not affect students who have already enrolled.
All course content — including videos, written materials, graphics, tools, worksheets, strategies, and any other materials — is the exclusive intellectual property of Luminate Consulting LLC and is protected by applicable copyright and intellectual property laws.
You are granted a limited, personal, non-exclusive, non-transferable licence to access and use course materials for your own personal educational purposes only. You may not:
By using our platform, you agree to:
By enrolling, you consent to the collection and use of your personal information (name, email address, phone number, and payment information) for the purposes of:
We do not sell your personal information to third parties. Payment information is processed securely by Stripe and is not stored on our servers. We retain your data only as long as necessary to provide our services or as required by law.
For questions about your personal data, contact us at [email protected].
Luminate Consulting reserves the right to update or modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically. For material changes, we will notify enrolled students by email.
These Terms shall be governed by and construed in accordance with the laws of Trinidad and Tobago, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Trinidad and Tobago.
In the event of a dispute, you agree to first attempt resolution by contacting us directly at [email protected]. We will make every reasonable effort to resolve disputes amicably.
If you have any questions about these Terms & Conditions, please contact us:
By clicking "I Agree" below, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety, and that you understand the risks associated with investing in financial markets.