Last Updated: June 1, 2026
Welcome to lumen-quasar.com (the "Website"). By accessing or using this Website and any services offered through it, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use this Website.
These Terms constitute a legally binding agreement between you and lumen-quasar ("we," "us," or "our"). We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting to the Website.
lumen-quasar provides financial management services including but not limited to budget planning, investment strategy development, debt management, retirement planning, tax optimization, and wealth building consultation. Our services are delivered through in-person consultations, virtual meetings, and ongoing advisory relationships.
You must be at least 18 years of age to use this Website and engage our services. By using this Website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
When using this Website, you agree to:
Pricing for our services is displayed on the Website and is subject to change. When you request a service:
We reserve the right to refuse service to anyone for any reason at any time, subject to applicable laws.
All content on this Website, including but not limited to text, graphics, logos, images, and software, is the property of lumen-quasar or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Website without our prior written permission.
The information provided on this Website is for general informational purposes only and should not be construed as specific financial advice. While we strive to provide accurate and current information, we make no representations or warranties regarding the completeness, accuracy, or reliability of any content.
Financial decisions should be made based on your individual circumstances and in consultation with qualified professionals. Past performance is not indicative of future results.
While we work diligently to help clients achieve their financial goals, we cannot guarantee specific results. Financial outcomes depend on numerous factors, many of which are beyond our control, including market conditions, individual circumstances, and client adherence to recommended strategies.
Clients engaging our services are responsible for:
Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
This Website may contain links to third-party websites or services that are not owned or controlled by lumen-quasar. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by or in connection with your use of any third-party content, goods, or services.
To the maximum extent permitted by Australian law, lumen-quasar, its directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangibles, resulting from:
Our total liability to you for all claims arising from or relating to the Website or services shall not exceed the amount you paid us for services in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless lumen-quasar and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:
We reserve the right to terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms.
Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
The Website and all services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, we disclaim all warranties, including but not limited to:
These Terms shall be governed by and construed in accordance with the laws of Queensland, Australia, without regard to its conflict of law provisions.
Any disputes arising from or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Queensland, Australia.
If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any other legal notices published on the Website, constitute the entire agreement between you and lumen-quasar regarding your use of the Website.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of lumen-quasar.
If you have any questions about these Terms, please contact us:
lumen-quasar
Email: [email protected]
Address: Level 7, 142 Creek Street, Brisbane City QLD 4000, Australia
Nothing in these Terms excludes, restricts, or modifies any consumer rights under the Australian Consumer Law or other applicable laws that cannot be excluded, restricted, or modified by agreement.