Important Disclaimers and Limitations

Important Notice

Please read this disclaimer carefully before using our services.

This information clarifies limitations of services provided and establishes realistic expectations regarding consultation outcomes and individual responsibility for decisions made.

lumivora provides consultation services focused on resource allocation planning. The information and guidance offered through our services represent professional opinions based on analysis of circumstances as presented. However, individual outcomes depend on numerous factors beyond our control or complete knowledge.

General Notice

Content provided through our consultation services, website, and related materials is intended for informational and educational purposes. While we strive for accuracy, information may become outdated due to changing regulations, market conditions, or other factors. You should verify current applicability of any information before relying on it for significant decisions. We do not warrant that information provided is complete, accurate, or appropriate for your specific circumstances without professional consultation.

Limitations of Liability

To the maximum extent permitted under applicable law, lumivora and its representatives shall not be liable for:

Decisions made based on information or guidance provided during consultation, as individual circumstances and external factors significantly influence outcomes beyond our control or complete knowledge.
Changes in regulations, market conditions, or other external factors that affect applicability or effectiveness of guidance provided based on information available at time of consultation.
Misunderstandings or misapplication of guidance provided, particularly when recommendations are implemented without ongoing consultation support or modified without professional input regarding changes.
Outcomes that differ from expectations or projections, as results may vary significantly based on individual circumstances, implementation approach, external factors, and timing considerations beyond anyone's control.

Information Accuracy and Currency

While we make reasonable efforts to ensure information accuracy, regulations and practices affecting resource planning change periodically. Information provided reflects understanding current at time of consultation but may require updating as circumstances evolve. We recommend periodic review to ensure continued applicability of guidance to your situation as both personal circumstances and external factors change over time.

You should verify information currency and applicability before making significant decisions, particularly when time has passed since initial consultation or when circumstances have changed.

Nature of Professional Guidance

Our consultation services provide analysis and guidance regarding resource allocation planning. This guidance does not constitute legal advice, tax advice, or other specialized professional services beyond scope of planning consultation. You should consult appropriate specialists for matters requiring expertise in specific professional domains outside our service scope.

External Resources

Our website or materials may reference external resources for supplemental information. We do not control external content and cannot guarantee its accuracy, currency, or appropriateness. Reference to external resources does not constitute endorsement. You should evaluate external information independently before relying on it.

Individual Results and Outcome Variation

Results from consultation services vary significantly based on individual circumstances, implementation approach, external factors, and numerous other variables. Past performance does not guarantee future results. Outcomes experienced by other clients do not predict results you may achieve.

Factors Affecting Planning Outcomes

Planning outcomes depend on accurate information provision, consistent implementation of guidance, external factors beyond anyone's control, personal circumstances that may change, and individual decision-making separate from consultation. Results may vary based on these and other factors affecting your specific situation.

Specific Disclaimers Regarding Resource Planning

The following limitations apply specifically to resource planning consultation:

Past performance of any allocation approach does not indicate future results. Historical patterns may not repeat, and circumstances affecting outcomes change over time in ways that cannot be fully anticipated.
All planning approaches involve risks that should be understood before implementation. We help identify and analyze risks, but ultimate decisions regarding acceptable risk levels remain your responsibility.
External factors including regulatory changes, market conditions, and economic circumstances influence planning outcomes in ways beyond our control or ability to predict. These factors should be considered when evaluating guidance.

Jurisdictional Limitations and Applicability

Our services and information are provided subject to the following jurisdictional considerations:

Services are provided from and governed by laws of Canada. Information and guidance reflect Canadian regulatory environment and may not be appropriate for individuals subject to other jurisdictions without modification.

These disclaimers and all services are governed by laws of Canada and the province where services are provided.

You are responsible for ensuring that use of our services complies with applicable local regulations in your jurisdiction if different from ours.

Indemnification

You agree to indemnify and hold harmless lumivora and its representatives from claims, damages, or expenses arising from your use of services, decisions made based on consultation, or misrepresentation of circumstances during consultation. This indemnification continues beyond termination of consultation relationship.

Severability

If any provision of this disclaimer is found unenforceable, remaining provisions continue in full effect. Unenforceable provisions shall be modified to minimum extent necessary to make them enforceable while preserving original intent to maximum extent possible.

Modifications

We reserve right to modify these disclaimers periodically. Modifications take effect upon posting to our website. Your continued use of services after modifications constitutes acceptance of updated disclaimers. We recommend reviewing disclaimers periodically to remain informed of any changes affecting your use of services.

Questions

If you have questions regarding these disclaimers or need clarification about limitations affecting our services, please contact us using the information provided below:

Email Address: content@lumivora.world

Phone: +1 (788) 275-5818

Mailing Address: 1721 29th Avenue SW, Suite 125, Calgary, AB T2T 1M7 Canada

Effective Date of Disclaimer: This disclaimer became effective on September 20, 2025

Last Updated Date: These disclaimers were last updated on September 20, 2025