Terms of Use, Content Attribution Policy, Privacy, Legal Disclaimer

Please review these Terms of Use and Disclaimer before using our website or application. Discontinue use if you disagree with these terms.

Lumen Global Investments LLC (“Lumen”, “company”, “we”, “our”, or “us”) provides content and tools based on third-party content (“Content Provider”) and our research using our proprietary research model and publicly available sources on R4A by Lumen website (“Site”) to you, an individual user (“you”) for your individual usage, subject to the terms and conditions herein.

We will never sell your information and only use your information to communicate with you.

  1. Agreement: Use of the Site constitutes acceptance of our Terms of Use (“TU”). Access to the Site is contingent upon compliance with these terms and conditions.
  2. Changes to the TU: Lumen reserves the right to modify these terms, alter or discontinue any aspect of the Site, and implement other conditions for use with reasonable notice. Your continued use of the Site following any modifications indicates acceptance of such changes. Regular review of these terms is recommended.
  3. Registration Data; Account Security: Site usage requires accurate and current registration information. Users must maintain password security, keep account information current, and accept full responsibility for account activities. Login information sharing between individuals or firms is prohibited.
  4. Important Securities/Fund Disclaimer: Content published on the Site does not constitute personalized recommendations for securities, portfolios, transactions, or investment strategies. Lumen Global Investments LLC does not provide individual investment advice. All content is impersonal and not tailored to specific investment needs. You understand that an investment in any security or country is subject to a number of risks and discussion of any security or country published on the Site will not contain a comprehensive list or description of relevant risk factors. Calculations use third-party data and are not guaranteed by any party and may not be complete.
  5. No Investment Recommendations or Professional Advice: The Site provides educational content only and does not offer tax, legal, insurance, or investment advice. Lumen Global Investments LLC is not a broker-dealer. Users bear sole responsibility for determining investment suitability based on their objectives and financial situation. Professional consultation is recommended for specific legal or tax matters. Neither Lumen Global Investments LLC nor Content Providers accept liability for investment outcomes. Users acknowledge that Lumen content serves as one of many information sources for investment decisions. Lumen and the Content Provider are not responsible for errors, inaccuracies, or omissions of information. The conclusions 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 its content are Lumen Global Investments LLC and licensors’ property. Users may access and print content solely for personal, noncommercial use without acquiring ownership rights. External links are provided without endorsement or review. You may link to any content on the Site. Contact Lumen Global Investments for permission to republish content. R4A by Lumen is our service mark; all other marks belong to their respective owners.
  7. User Conduct: Content redistribution requires prior written permission from Lumen. Users must comply with employer policies, confidentiality agreements, and securities regulations. Prohibited activities include: site manipulation, unauthorized purpose usage, implied endorsement claims, technical interference, automated data collection, and content redistribution without approval. In addition, when using the Site, you agree not to: (i) Block or disrupt other users, including through hacking or damaging the Site (ii) Use the Site for illegal activities (iii) Claim or suggest we endorse your statements without our written permission (iv) Change, sell, or take apart any part of the Site’s code or structure (v) Copy or embed the Site’s pages without our written approval (vi) Use automated tools or programs to scrape, mine, or extract data from the Site (vii) Collect user information without their clear permission (viii) Share or distribute our content with Lumen’s prior written approval (viii) You must follow all laws and regulations when using the Site and its content. Please direct any concerns to lumen@lumenadvisors.com.
  8. Disclaimer of Warranties: The Site and its services are provided “as is” without warranties of any kind. Lumen Global Investments LLC and affiliated parties disclaim all warranties regarding accuracy, completeness, security, and performance. Service interruptions and technical issues may occur without notice.
  9. Limitation of Liability: Lumen Global Investments LLC and affiliated parties are not liable for indirect, incidental, or consequential damages arising from Site use. User’s sole remedy for dissatisfaction is service discontinuation. Maximum liability is limited to paid access fees, if applicable.
  10. Indemnification: Users agree to defend and indemnify Lumen, its officers, directors, employees, and representatives against claims arising from terms violation, Site usage, or third-party rights infringement.
  11. Termination: Lumen Global Investments LLC may terminate access without notice for terms violations, law enforcement requests, or repeated copyright infringement.
  12. Copyright Policy: Lumen respects intellectual property rights and may terminate access for users who infringe upon them.
  13. Miscellaneous: The Site targets jurisdictions where its content is legal. Users access from other locations at their own risk. These terms constitute the complete agreement between parties, governed by Delaware law. Disputes fall under Delaware courts’ jurisdiction. Term invalidity does not affect the remaining provisions’ enforceability.

Disclaimer: Site usage indicates Terms of Use acceptance. Financial market data comes from third parties with updates quarterly or otherwise informed. We protect user information privacy. All rights reserved.

Last Revised: November 25, 2024