Disclaimer

Welcome to FTLuma. This Disclaimer governs your use of our website and content. By accessing or using this platform, you agree to the terms outlined below.

1. General Information Only (Not Financial Advice)

All content provided on FTLuma is for educational and informational purposes only. We share insights, strategies, and perspectives on financial transitions, but we do not provide:

• Financial advice
• Investment advice
• Tax or legal advice

You should always consult a qualified financial advisor, accountant, or legal professional before making financial decisions.

2. No Professional-Client Relationship

Your use of this website does not create any professional, advisory, or fiduciary relationship between you and FTLuma.

3. Accuracy of Information

We strive to provide accurate and up-to-date information. However:

• Financial laws, markets, and strategies change over time
• We do not guarantee completeness, reliability, or accuracy

Any action you take based on our content is at your own risk.

4. Earnings & Results Disclaimer

FTLuma may share examples of income opportunities, financial growth strategies, or success stories. These are for illustrative purposes only.

We do not guarantee:

• Income results
• Financial success
• Specific outcomes

Your results depend on factors such as effort, skills, market conditions, and personal financial decisions.

5. Advertising Disclaimer

We may display sponsored content or paid advertisements. These may be tailored based on your browsing behavior. FTLuma does not control or guarantee the accuracy of third-party advertisements and is not liable for any interactions or transactions with advertisers.

6. External Links Disclaimer

Our website may contain links to external websites. We do not control those websites, endorse all their content, or accept responsibility for their practices. You access third-party websites at your own risk.

7. Personal Responsibility

By using this website, you acknowledge that:

• You are responsible for your financial decisions
• You will conduct your own research
• You will seek professional advice where necessary

FTLuma is not liable for any losses, damages, or decisions made based on our content.

8. Limitation of Liability

To the fullest extent permitted by law, FTLuma shall not be held liable for:

• Direct or indirect losses
• Financial losses
• Business interruption
• Loss of data or profits

arising from your use of the website or reliance on its content.

9. Testimonials & Opinions

Any testimonials, opinions, or user experiences shared on FTLuma reflect individual experience and does not guarantee similar results.

10. Consent

By using FTLuma, you acknowledge this Disclaimer, agree to its terms, and accept full responsibility for your actions.