The information contained in this website is provided as an information service only and does not constitute financial product advice. None of the information provided takes into account your personal objectives, financial situation or needs. You must determine whether the information is appropriate in terms of your particular circumstances. For financial product advice which takes account of your particular objectives, financial situation or needs, you should consider seeking independent financial advice.

Lumina International makes no representations about the accuracy or suitability of the information. Without limitation, this extends to any market research or commentary contained in this website. The information is provided "as is" without express or implied warranty. Any person viewing these web pages must make their own independent enquiries before relying on any information provided in this website.

Please contact the Lumina International office to satisfy yourself as to the accuracy or suitability of the information contained within this site.

To the extent permitted by law, Lumina International excludes:

  • all warranties whether express, implied, statutory or otherwise, relating in any way to this website or your use of this website; and
  • all liability (including for negligence) to you or anyone else in respect of any loss or damage (including special, indirect, or consequential loss or damage such as loss of revenue, unavailability of systems or loss of data) however caused by, arising from or in connection with any use of this website or the information on or accessed through it.

Where any legislation implies any term, representation or warranty into your accessing of this website, and that legislation prohibits exclusion of that term, then that term is included. However, to the extent permitted by that legislation, Lumina Internatioanl’s liability for any breach of that term is limited to supplying the services again.

The information contained on this website is not, and is not intended to be an offer of, or an invitation to purchase or subscribe for, financial products.


Disclaimer for Brasilians

In Brazil, Lumina International hereby attest that we only act as a financial planner and educator and we don’t act as consultants or advisors for specific assets classes such as, individual shares, bonds, derivatives, insurance, mutual funds, ETF's and alternative investments.


No Brasil, a empresa Lumina International declara que trabalha apenas prestando servico de educacão e planejamento financeiro aos seus clients e informa expressamente que não atua como consultora de valores mobiliários, negociando, ofrecendo e/ou emitando quaisquer un desses ativos.