Terms of Use
Legal terms and conditions governing your use of Lumix Stream
Effective Date: January 15, 2025 | Last Updated: January 15, 2025
Acceptance of Terms
By accessing or using the Lumix Stream website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and Lumix Stream regarding your use of our cash flow budgeting educational platform and related services.
If you do not agree with any portion of these terms, you must discontinue use of our website and services immediately. Your continued use of our platform following any modifications to these terms constitutes acceptance of such changes.
Service Description and Scope
Lumix Stream provides educational content and resources focused on cash flow budgeting and financial management techniques. Our services are designed to enhance your understanding of financial planning concepts through structured learning programs, practical exercises, and educational materials.
- Access to educational content and learning materials
- Interactive budgeting tools and calculators for learning purposes
- Structured learning programs with defined curricula
- Community forums and discussion platforms
- Progress tracking and assessment features
- Certificate programs upon successful completion
Educational Purpose: All content provided through Lumix Stream is for educational purposes only. We do not provide personalized financial advice or guarantee specific financial outcomes. Individual results may vary based on personal circumstances and application of learned concepts.
User Account Responsibilities
When creating an account with Lumix Stream, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
Account Security: You must notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with security requirements.
Accurate Information: You agree to keep your account information updated and accurate. Providing false or misleading information may result in account suspension or termination.
Age Requirements: You must be at least 18 years old to create an account and use our services. Users under 18 may access our services only with parental consent and supervision.
Acceptable Use Policy
Your use of Lumix Stream services must comply with all applicable laws and regulations. You agree not to engage in any activity that could harm our platform, other users, or violate these terms.
Prohibited Activities Include:
- Sharing account credentials with unauthorized persons
- Attempting to gain unauthorized access to our systems or other user accounts
- Using our platform for any unlawful or fraudulent purposes
- Uploading or transmitting harmful software, viruses, or malicious code
- Harassing, threatening, or discriminating against other users
- Copying, reproducing, or distributing our educational content without permission
- Using automated systems to access our services without authorization
Violation of these policies may result in immediate account suspension or termination, and we reserve the right to take appropriate legal action when necessary.
Intellectual Property Rights
All content, materials, features, and functionality available through Lumix Stream, including but not limited to text, graphics, logos, course materials, software, and educational resources, are owned by Lumix Stream and are protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials solely for your personal learning purposes. This license does not permit commercial use, redistribution, or modification of our content.
Any unauthorized use of our intellectual property may result in civil and criminal penalties. You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of our services without express written permission.
Payment Terms and Refund Policy
Enrollment in our learning programs requires payment of applicable fees as outlined during the registration process. All payments are processed securely through our authorized payment processors.
Payment Processing: Course fees are due at the time of enrollment. We accept major credit cards and other payment methods as specified during checkout. All transactions are subject to verification.
Refund Eligibility: Refund requests must be submitted within 14 days of enrollment and before completing more than 25% of the course content. Refunds are processed within 5-10 business days after approval.
Course Access: Upon successful enrollment, you receive access to course materials for the duration specified in your program. Access may be revoked for violation of these terms or non-payment of fees.
Privacy and Data Protection
Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy, which is incorporated into these Terms of Use by reference. By using our services, you consent to our data collection and processing practices.
We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
We may use your progress data and learning analytics to improve our educational programs and provide personalized learning experiences. All data usage complies with applicable privacy regulations and our Privacy Policy.
Limitation of Liability and Disclaimers
Lumix Stream provides educational services on an "as is" and "as available" basis. While we strive to provide accurate and current information, we make no warranties or representations regarding the completeness, accuracy, or reliability of our educational content.
To the fullest extent permitted by law, Lumix Stream shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount paid by you for the specific service giving rise to the claim.
Our educational content is designed to provide general knowledge about cash flow budgeting and financial management. This information should not be considered as personalized financial advice or guarantee of specific results. Always consult with qualified professionals for specific financial situations.
Modifications and Termination
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services following such modifications constitutes acceptance of the updated terms.
We may suspend or terminate your access to our services at any time, with or without notice, for violation of these terms or for any other reason we deem appropriate. Upon termination, your right to use our services ceases immediately.
Questions About These Terms?
If you have questions about these Terms of Use, please contact us:
Email: help@lumix-stream.com
Phone: +66 74 232 052
Address: 1558/4 Diamond Condo Sukhumvit
Sukhumvit Road, Phra Khanong, Khlong Toei
Bangkok 10260, Thailand