Terms of service

Terms of Service

Last updated: March 30, 2026

These Terms of Service ("Terms") govern your access to and use of the website operated under the trading name Lumani Impact by SECURE PAYMENT LTD. By visiting our website, placing an order, downloading a product, or otherwise using our services, you agree to be bound by these Terms.

1. Business Information

Lumani Impact
Operated by SECURE PAYMENT LTD
Website: lumani-impactt.site
Email: contact@lumani-impactt.site
Phone: +44 (0)370 524 4622
Address: Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, England, BH16 6FA

2. Eligibility and Acceptance

By using this website, you confirm that you have legal capacity to enter into a binding agreement, or that you are using the website with the knowledge and supervision of a parent or legal guardian where applicable. You must not use this website for any unlawful, fraudulent, abusive, or unauthorized purpose.

3. Our Products and Services

We sell digital educational materials, including guides, ebooks, and informational content. All products are offered subject to availability and may be modified, replaced, or discontinued at any time without prior notice, except where required by law.

4. Educational Use Only

Unless expressly stated otherwise, our products are provided for general educational and informational purposes only. They do not constitute legal advice, financial advice, investment advice, tax advice, accounting advice, medical advice, or other professional advice. You remain solely responsible for evaluating the suitability of any information for your personal circumstances and for obtaining independent professional advice where appropriate.

5. Orders and Payment

When you place an order, you agree that all information you provide is accurate, complete, and current. Orders are subject to acceptance and verification. We reserve the right to refuse, cancel, or limit any order where we reasonably suspect fraud, misuse, pricing error, unauthorized activity, or breach of these Terms.

All prices are shown as displayed on the website at the time of purchase. We reserve the right to change prices, product descriptions, offers, and availability at any time before an order is completed.

6. Digital Delivery

Digital products are generally delivered electronically after successful payment, including through an on-screen confirmation page and/or a confirmation email containing access details or download information. Delivery times may vary due to technical issues, fraud screening, payment authorization, or email provider delays.

7. No Resale or Unauthorized Distribution

Unless we expressly state otherwise in writing, all digital products sold through our website are licensed to you for your personal, non-exclusive, non-transferable use only. You may not:

  • resell, sublicense, distribute, share, or commercially exploit the content;
  • upload the files to file-sharing sites, marketplaces, or public repositories;
  • copy, reproduce, modify, adapt, translate, or create derivative works for resale or public use;
  • remove copyright, branding, or proprietary notices.

8. Intellectual Property

All website content and all materials sold or made available through the website, including text, graphics, branding, product content, layouts, downloads, and design elements, are owned by us or our licensors and are protected by applicable intellectual property laws. No rights are granted except those expressly stated in these Terms.

9. Accuracy of Information

We aim to ensure that product descriptions and website information are clear and accurate. However, we do not warrant that all content is always complete, current, or error-free. We reserve the right to correct errors, inaccuracies, or omissions at any time, including after an order has been submitted, provided that your statutory rights are not affected.

10. Refunds and Cancellations

Your purchase is also subject to our Refund Policy. For digital content, cancellation rights may be affected once immediate delivery begins with your express consent, to the extent permitted by law. Nothing in these Terms limits your mandatory statutory rights.

11. Prohibited Use

You agree not to use the website or our products:

  • for any unlawful or fraudulent purpose;
  • to violate any applicable law, regulation, or third-party rights;
  • to interfere with the security, stability, or operation of the website;
  • to transmit malware, spam, or harmful code;
  • to scrape, harvest, or misuse content or customer data without authorization.

12. Third-Party Services and Links

Our website may rely on or link to third-party services, including payment providers, ecommerce infrastructure, analytics tools, and external websites. We are not responsible for the content, availability, policies, or practices of third-party services that we do not control.

13. Disclaimer of Warranties

To the fullest extent permitted by law, the website and all content are provided on an "as is" and "as available" basis. We do not guarantee uninterrupted access, error-free performance, or that the website will always be free from bugs, viruses, or compatibility issues. Nothing in this section excludes warranties or remedies that cannot lawfully be excluded.

14. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, special, or punitive losses arising out of or in connection with your use of the website or our products. Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any liability that cannot be excluded under applicable law.

15. Privacy

Your use of the website is also subject to our Privacy Policy, which explains how we collect and use personal information.

16. Changes to These Terms

We may update these Terms from time to time. The latest version will be published on this page with the updated date shown above. Continued use of the website after changes are posted may constitute acceptance of the revised Terms, unless applicable law requires additional notice or consent.

17. Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales, except where mandatory consumer protection laws in your country of residence provide otherwise.

18. Contact

If you have any questions about these Terms, please contact:

Lumani Impact
Operated by SECURE PAYMENT LTD
Email: contact@lumani-impactt.site
Phone: +44 (0)370 524 4622
Address: Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, England, BH16 6FA