Terms and Conditions

Lumière Financial Services

Effective Date:17 August 2026

1. What We Offer

Lumière Financial Services provides financial guidance, insurance solutions, tax strategy concepts and coaching designed to help clients protect their lives, secure their health and build their financial futures. We are a licensed insurance producer and do sell insurance products and provide insurance guidance. While we offer education on budgeting, business growth, tax strategy concepts and legacy planning, we are not a registered investment adviser, broker-dealer, law firm, or accounting/tax preparation firm and we do not file tax returns, draft legal documents, or provide formal tax preparation or legal representation. All website, social media, and coaching content is educational in nature; please consult a qualified licensed professional before taking action. No advisory or fiduciary relationship is created except under a signed client agreement.

2. Eligibility

Anyone is welcome to utilize our public services. However, individuals under the age of 18 require the presence or written authorization of a parent or legal guardian during their sessions.

3. Client Portal

You are responsible for keeping your login credentials confidential and for all activity conducted under your account. Notify us immediately of any unauthorized access. We reserve the right to suspend access for security purposes or if inappropriate use is detected.

4. Intellectual Property

All site content is owned by or licensed to Lumière Financial Services and may not be copied, reproduced, or redistributed without explicit written permission, beyond personal, non-commercial use.

5. User Conduct

You agree not to misuse the site or client portal, including unauthorized access attempts, uploading malicious code, or using the platform for unlawful purposes.

6. Third-Party Links

Lumiere Financial Services utilizes third-party applications, social media platforms, scheduling tools and video conferencing software including Zoom and link-in-bio landing pages to facilitate client interaction and booking. We are not responsible for the content, uptime, or privacy practices of linked third-party websites or services. Your interaction with third-party tools is governed by their respective terms and privacy policies.

7. Disclaimers & Limitation of Liability

The Site and Services are provided “as is,” without warranties of any kind. To the maximum extent permitted by law, Lumiere Financial Services is not liable for indirect, incidental, or consequential damages arising from your use of the site or services. Our total liability will not exceed the amount you paid us in the prior 12 months.

8. Indemnification

You agree to indemnify and hold Lumiere Financial Services against any claims arising from your violation of these Terms or misuse of the Services.

9. Governing Law

These Terms are governed by New Mexico law, with disputes resolved in the state or federal

courts of Sandoval County, New Mexico.

10. Termination

Lumiere Financial Services reserve the right to suspend or terminate your access for violating these Terms.

11. Changes

Lumiere Financial Services may update these Terms at any time; your continued use of our site constitutes acceptance of the modified terms.

12. Contact

Lumière Financial Services

Albuquerque, New Mexico

Email: [email protected]

Phone: +15053693008