1. Acceptance of Terms
By accessing or using LUMINE Philippines ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service. These terms apply to all visitors, users, and others who access the service.
2. Description of Service
LUMINE Philippines provides an AI-powered real estate information and advisory platform focused on Philippine property markets. Our services include AI concierge consultations, investment analytics, property listings, ROI calculators, and educational content. We are an information and advisory platform, not a licensed real estate broker. Any property transactions must be conducted through licensed Philippine Real Estate Brokers (PRC-registered).
3. Disclaimer of Investment Advice
All content on LUMINE Philippines — including AI responses, ROI projections, and market analysis — is for informational purposes only and does not constitute financial, legal, or investment advice. Past performance of property investments does not guarantee future results. You should consult qualified financial, legal, and real estate professionals before making any investment decisions.
4. AI Concierge Limitations
Our AI system (LUX and NOVA) provides information based on available data and is designed to assist, not replace, professional advice. AI responses may contain inaccuracies, outdated information, or limitations. LUMINE Philippines is not liable for any decisions made based solely on AI-generated content.
5. User Conduct
You agree not to: use our service for any unlawful purpose; attempt to reverse-engineer, scrape, or extract data from our platform in bulk; submit false or misleading information; impersonate any person or entity; or interfere with the proper functioning of the service.
6. Intellectual Property
All content on LUMINE Philippines, including text, graphics, AI models, and data compilations, is the intellectual property of LUMINE Philippines or its licensors. You may not reproduce, distribute, or create derivative works without express written permission.
7. Limitation of Liability
To the fullest extent permitted by law, LUMINE Philippines shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service. Our total liability to you shall not exceed the amount you paid us in the preceding 12 months.
8. Governing Law
These Terms are governed by the laws of the Republic of the Philippines. Any disputes shall be resolved through binding arbitration in Manila, Philippines, unless prohibited by applicable law.
Questions?
Contact us at privacy@luminephilippines.com