Terms and Conditions

Effective Date: 2025

1. Agreement to Terms

By accessing and using the services of Luminara Advisory Services Limited ("Company," "we," "our," or "us"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Company Information

Luminara Advisory Services Limited is a company incorporated in the Bahamas, providing multi-family office advisory services including investment advisory and reputational management.

3. Services

We provide the following services:

• Investment advisory and portfolio management
• Reputational management and strategic communications
• Wealth planning and structuring
• Risk management and compliance advisory

All services are subject to separate written agreements and applicable regulatory requirements.

4. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information
• Comply with all applicable laws and regulations
• Pay fees and charges as agreed
• Maintain the confidentiality of sensitive information
• Notify us promptly of any changes in circumstances

5. Confidentiality

We maintain strict confidentiality regarding all client information and expect the same from our clients regarding our proprietary methods and strategies. This mutual confidentiality survives termination of our relationship.

6. Investment Risks

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. We do not guarantee any specific investment outcomes or returns.

7. Limitation of Liability

To the maximum extent permitted by law, our liability is limited to the fees paid for our services. We shall not be liable for any indirect, incidental, special, or consequential damages.

8. Regulatory Compliance

Our services are provided in compliance with applicable laws and regulations. Clients are responsible for their own regulatory compliance in their respective jurisdictions.

9. Termination

Either party may terminate our relationship with appropriate notice as specified in individual service agreements. Certain obligations, including confidentiality, survive termination.

10. Governing Law

These Terms are governed by the laws of the Bahamas. Any disputes shall be resolved through binding arbitration in the Bahamas, unless otherwise agreed in writing.

11. Professional Standards

We adhere to the highest professional and ethical standards in all our dealings. We maintain appropriate professional indemnity insurance and follow industry best practices.

12. Website Use

This website is for informational purposes only and does not constitute investment advice or an offer to provide services. All content is proprietary and protected by copyright.

13. Amendments

We reserve the right to modify these Terms at any time. Material changes will be communicated to existing clients. Continued use of our services constitutes acceptance of modified Terms.

14. Contact Information

For questions regarding these Terms, please contact us:

Luminara Advisory Services Limited
Email: info@luminaraadvisory.com
Phone: +447927656205
Address: 20 Berkeley Square, London W1J 6LH