FNZ Lumina powered by Strait Logics - General Terms and Conditions.

Welcome to your Lumina. If you continue to browse and use this website, you are agreeing to comply with, and be bound by, the following terms and conditions of use:

• The content of the pages of this website is for your general information and use only. It is subject to change without notice.
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
• You shall not store, distribute or transmit any viruses, or any material through the website that is unlawful, harmful, threatening, defamatory, offensive, obscene, infringing, or harassing or which causes damage or injury to any person or property.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. You shall not: 

attempt to copy, duplicate, modify, create derivative works from or distribute all or any portion of the website; or

attempt to reverse compile, disassemble, reverse engineer or otherwise reduce to human-perceivable form all or any part of the website; or

• access all or any part of the website in order to build a product or service which competes with Lumina. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Registration and password security
Use of the website may require registration, particularly in order to access restricted areas of the website.

You are responsible for making sure that your password and any other account details are kept secure and confidential.

If we have reason to believe there is likely to be a breach of security or misuse of the website through your account or the use of your password, we may notify you and require you to change your password, or we may suspend or terminate your account.

Any personal information you provide to as part of the registration process will be processed in accordance with the Privacy Policy.

Hyperlinks and third party sites
The website may contain hyperlinks or references to third party advertising and websites other than the website. Any such hyperlinks or references are provided for your convenience only. We have no control over third party advertising or websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party advertising or website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions (including privacy policy) of that third-party site and is at your own risk.

Limitation on our liability
Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury) or arising under applicable laws relating to the protection of your personal information, we are not legally responsible for any:

• losses that were not foreseeable to you and us when these terms and conditions became binding on you;
• losses that were not caused by any breach on our part;
• business losses; and
• losses to non-consumers.

Events beyond our control
We are not liable to you if we fail to comply with these terms and conditions because of circumstances beyond our reasonable control, including but not limited to breakdown of systems or network access; or flood, fire, explosion or accident.

No one other than a party to these terms and conditions has any right to enforce any of them.

No changes to these terms and conditions are valid or have any effect unless agreed by us in writing or made in accordance with the paragraph below.

We reserve the right to vary these terms and conditions from time to time. Our updated terms and conditions will be displayed on the website and by continuing to use and access the website following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these terms and conditions from time to time to verify such variations.

Relevant United Kingdom law will apply to these terms and conditions. If you wish to take court proceedings, the relevant courts of the United Kingdom will have non-exclusive jurisdiction in relation to these terms and conditions.