Terms of Use, Content Attribution Policy, and Legal Disclaimer
Please review our Terms of Use AND DISCLAIMER carefully before you use our website or application. If you disagree, please discontinue the use of the website or application.
Lumen Global Investments LLC, (“Lumen”, “company”, “we”, “our”, or “us”) provides its content and tools based on third-party content (“Content Provider”) and our research using our proprietary model and publicly available sources on its website, R4A by Lumen (‘Site”), to you, an individual user (“you”) for your individual usage, subject to compliance with the terms and conditions set forth herein.
1. Agreement
By using the Site, you agree to be bound by our Terms of Use (the “TU”). If you do not agree to the terms and conditions contained in the TU, we cannot allow you access to the Site, and you should cease your use of it.
2. Changes to the TU
We reserve the right at any time to:
(1) Change the terms and conditions of the TU;
(2) Change the Site, including eliminating or discontinuing any content or feature of the Site; or
(3) Impose charges or other conditions for use of the Site or parts thereof (with reasonable notice).
Lumen Global Investments LLC may modify the Site at any time without prior notice. The TU may change also. Your use of the Site after any such changes will be deemed acceptance of such changes. You should check our website frequently to see recent revisions.
3. Registration Data; Account Security
By using the Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Site (“Registration Data”); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, and any other information you provide to Company, to keep it accurate, current and complete; (d) be fully responsible for all use of your account and for any actions that take place using your account; (e) not share your login information with another individual or firm.
4. Important Securities/Fund Disclaimer
You understand that no content published on the Site from Lumen Global Investments LLC constitutes a recommendation that any particular security, portfolio of securities, transaction, fund, ETF, or investment strategy is suitable for any specific person. You further understand that neither Lumen Global Investments LLC nor their affiliates are advising you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, fund, transaction, investment strategy or other matter. To the extent any of the content published on the Site may be deemed to be investment advice or recommendations in connection with a particular security or fund, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security or country is subject to a number of risks and that discussion of any security or country published on the Site will not contain a list or description of relevant risk factors. See Legal Disclaimer on the Site.
You understand that calculations herein are made using such data provided by a third party and that such calculations are not guaranteed by these sources, the Content Provider, or any other person or entity, and may not be complete.
All content on the Site is presented only as of the date published or indicated and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
5. No Investment Recommendations or Professional Advice
The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or fund by Lumen Global Investments LLC or any third party. The publicly available portions of the Site are provided for educational purposes only and are not intended to provide legal, tax, financial planning, or investment advice. Lumen Global Investments LLC is not a broker-dealer and does not provide investment advice to individuals. You alone are solely responsible for determining whether any investment, security, strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation
You specifically acknowledge that Lumen Global Investments LLC and the Content Provider will in no way be held liable for losses or gains arising out of the use of the content of any type on the Site. You acknowledge that your investment decisions/ recommendations are made entirely at your election and that Lumen Global Investments LLC or Content Provider content is solely one additional source of information in assisting you in making those determinations. Lumen Global Investments LLC and the Content Provider are not responsible for errors, inaccuracies, or omissions of information. The conclusions contained in this Site and Content are intended solely for the use by R4A by Lumen subscribers and the authorized recipients of the Site and Content. You similarly acknowledge that you will not hold any other Lumen User liable for losses or gains arising out of Content of any type on the Site.
6. Copyright, Linking Policy and Trademarks
The Site and the content contained herein, as well as all copyrights, are the property of Lumen Global Investments LLC and its licensors. You may access and use the content, and download and/or print out copies of any content from the Site, solely for your personal, noncommercial use. You acknowledge that you do not acquire any ownership rights by using the Site.
The Site may contain links to other Internet websites or resources. We neither control nor endorse such other websites, nor have we reviewed or approved any content that appears on such other websites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or appropriateness of any content, advertising, products, services, or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.
You may link to any content on the Site. If you are interested in reprinting, republishing or distributing content from R4A by Lumen, please contact Lumen Global Investments to obtain written consent. R4A by Lumen is a service mark of Lumen Global Investments LLC or an affiliate. All other service marks and logos used on our websites are the service marks or logos of their respective owners.
7. User Conduct
You may not republish, upload, post, transmit or distribute content from the Site to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without Lumen’s prior written permission. Modification of the content or use of the content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights.
Specifically, you will not submit information that would be a violation of your employer’s company policies, nor will you submit information that violates any confidentiality agreements, insider trading regulations, or SEC regulations.
In addition, in connection with your use of the Site, you agree not to:
(1) Restrict or inhibit any other visitor from using the Site, including, without limitation, by means of “hacking” or defacing any portion of the Site;
(2) Use the Site for any unlawful or unauthorized purpose;
(3) Express or imply that any statements you make are endorsed by us, without our prior written consent;
(4) Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Site;
(5) “Frame” or “mirror” any part of the Site without our prior written authorization;
(6) Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Site or its contents;
(7) Harvest or collect information about visitors to the Site without their express consent.
(8) Distribute or otherwise furnish the Lumen content or Content Provider Content to any person or firm without prior written approval of Lumen;
(9) You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site and the content made available therein.
If you have any comments on our policies, or complaints or concerns of any kind about any posts, please contact us at lumen@lumenadvisors.com. We will review all of the information that you communicate to us, but we may not be able to take action or respond directly to each e-mail.
8. Disclaimer of Warranties
THE SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THE SITE, ARE PROVIDED “AS IS” AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LUMEN GLOBAL INVESTMENTS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, CONTENT PROVIDERS, SUPPLIERS, ADVERTISERS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE AND NON-INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE ADEQUACY, ACCURACY OR COMPLETENESS OF ANY INFORMATION ON OUR SITE.
Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you.
LUMEN GLOBAL INVESTMENTS LLC AND ITS AFFILIATES, CONTENT PROVIDERS, SUPPLIERS, AGENTS AND SPONSORS DO NOT WARRANT THAT YOUR USE OF THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF LUMEN GLOBAL INVESTMENTS LLC OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.
9. Limitation of Liability
NEITHER LUMEN GLOBAL INVESTMENTS LLC NOR ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTENT PROVIDERS, SUPPLIERS, ADVERTISERS, AGENTS AND SPONSORS ARE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE AND/OR ANY CONTENT CONTAINED THEREIN. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO LUMEN GLOBAL INVESTMENTS LLC FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SITE.
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.
10. Indemnification
As a condition of your use of the Site, you agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TU; (b) your use of the Site; or (c) your violation of the rights of any third party.
11. Termination
You understand and agree that Lumen Global Investments LLC may, under certain circumstances and without prior notice to you, terminate your access to and use of the Site. Cause for such termination shall include, but not be limited to, (i) breaches or violations of the TU or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities or (iii) repeat violators of third-party copyrights or other intellectual property.
12. Copyright Policy
Lumen respects the intellectual property of others, and we ask our users to do the same. Lumen Global Investments LLC may, in appropriate circumstances and at its discretion, terminate the account or access of users who infringe the intellectual property rights of others.
13. Miscellaneous
The Site is directed solely to individuals residing in jurisdictions in which the provision of the Site’s content is legal. We make no representation that materials provided on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Site to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide.
The TU together with all Lumen policies referred to herein, constitutes the entire agreement between you and Lumen relating to your use of the Site and supersedes and any all prior or contemporaneous written or oral agreements on that subject between us. The TU and the relationship between you and Lumen are governed by and construed in accordance with the laws of Delaware, without regard to its principles of conflict of laws. You and Lumen agree to submit to the personal and exclusive jurisdiction of the federal and state courts located within Delaware and waive any jurisdictional, venue, or inconvenient forum objections to such courts. If any provision of the TU is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the TU and shall not affect the validity and enforceability of any remaining provisions. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained in the TU is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. We reserve the right to require you to sign a non-electronic version of the TU.
Disclaimer:
By using the Site, you agree to be bound by our Terms of Use. Financial market data is sourced from our Third Party as stated on the Site and all data are updated quarterly or otherwise informed. All rights reserved.
Date of Last Revision: May 20, 2024