Terms

These terms cover use of lumexa-capital.com. If you disagree with them, do not use the site.

Definitions

“Site” means the pages published at lumexa-capital.com. “Lessons” and “notes” mean the educational texts. “You” means the person reading or writing to the desk. “Editorial team” means the people who publish the site. No corporate form is stated.

Educational nature

The site teaches ideas about personal finance and household budgets. It is not a financial service, not a brokerage, not a portfolio manager, and not a trading platform. Lessons are courses in the educational sense: explanations you can read. They are not engagements.

Acceptable use

Do not misuse the contact form, attempt to break the site, or present the lessons as personalized advice from this project. Do not send account credentials or identity documents.

Intellectual property

The text, the mark, and the layout are published by the editorial team. You may read and quote short passages with attribution to lumexa-capital.com. You may not copy the site into another product that pretends to be this one.

Liability and risk

Lessons are general. They can be incomplete or become outdated when public rules change. The editorial team is not liable for decisions you make about money after reading. Household lists and financial markets both involve risk, including the risk of loss. Nothing here is a guarantee.

Business model

Nobody is invoiced for opening a lesson. If the desk earns money, it comes from advertisements placed around the pages and from educational material written here. Lumexa Capital does not run a trading service and does not collect a referral fee when a reader later opens an account, a card, or a fund.

Law and contact

These terms are governed by the laws of Alberta and the federal laws of Canada, without a claim that a court has already been chosen for every dispute. Questions: info@lumexa-capital.com, +1 403 819 2640, 214 8 Avenue SE, Calgary, AB T2G 0K8, Canada.