Please read these Terms and Conditions ("Terms") carefully before using the website located at lumiofinancial.com (the "Site") operated by Lumio Financial LLC ("Lumio Financial," "Company," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
1. Acceptance of Terms
By visiting or using this Site, submitting any form, or contacting Lumio Financial in connection with this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
2. Description of Services
Lumio Financial LLC is a real estate investment company that purchases residential properties for cash in El Paso, Texas and surrounding areas. The Site is provided to:
- Provide information about our property buying services.
- Allow prospective sellers to submit inquiries and request cash offers.
- Facilitate communication between potential sellers and Lumio Financial.
Submitting a form on this Site does not constitute a binding purchase agreement. Any offer to purchase property will be formalized in a separate written purchase and sale agreement signed by both parties.
3. No Obligation / No Guarantee of Offer
Submission of your property information does not obligate Lumio Financial to make an offer to purchase your property, and it does not obligate you to accept any offer made. All cash offers are subject to property inspection, title review, and internal underwriting. We reserve the right to decline to make an offer on any property at our sole discretion.
4. Consent to Be Contacted — SMS and Phone
By providing your phone number and submitting a contact form on this Site, you expressly authorize Lumio Financial LLC and its representatives to contact you regarding your property inquiry using the phone number you provided, including via:
- SMS text messages (including automated/pre-programmed messages).
- Phone calls (including automated dialing systems and/or pre-recorded messages).
- Email communications.
This consent is not a condition of any purchase, sale, or service. You may opt out of SMS communications at any time by replying STOP to any text message. You may request more information by replying HELP. Message and data rates may apply.
5. Accuracy of Information
You represent that all information you submit to Lumio Financial through this Site is accurate, truthful, and complete. Providing false or misleading information about a property or your identity may result in the rescission of any offer or agreement and may expose you to legal liability.
6. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, and design elements, is the property of Lumio Financial LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without our prior written permission.
7. Disclaimer of Warranties
THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. LUMIO FINANCIAL DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
8. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LUMIO FINANCIAL LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
9. Indemnification
You agree to indemnify, defend, and hold harmless Lumio Financial LLC and its members, officers, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your submission of inaccurate information.
10. Third-Party Links
This Site may contain links to third-party websites for your convenience. Lumio Financial does not endorse, control, or assume responsibility for the content or practices of any third-party site. Accessing third-party sites is at your own risk.
11. Privacy
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.
12. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in El Paso County, Texas. You waive any objection to venue in such courts.
13. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to this page with an updated effective date. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lumio Financial LLC regarding your use of this Site and supersede all prior agreements or understandings relating to the same subject matter.
15. Contact Information
For questions about these Terms, please contact us:
- Company: Lumio Financial LLC
- Location: El Paso, TX
- Website: lumiofinancial.com