Privacy Policy
Effective Date: January 14, 2025
Company: Lux Financial
Website: luxfinancial.io
1. Introduction
At Lux Financial, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect the personal information you provide through our website, luxfinancial.io. By using our website and submitting your information through any contact or lead form, you agree to the terms outlined in this policy.
2. Information We Collect
When you complete a form on our website, we may collect the following personal information:
- Your full name
- Phone number
- Email address
- Any additional information you provide in your message or form submission
We collect this information only when you voluntarily submit it to us through our contact form.
3. How We Use Your Information
The information you provide is used for the following purposes:
- To contact you via phone, text message, or email regarding the services you have requested or expressed interest in.
- To provide you with information, updates, or assistance related to Lux Financial's services.
- To improve our communication and customer experience.
We do not sell, rent, or trade your personal information to any third-party companies.
4. Communication Consent
By submitting your information through our website, you consent to being contacted by Lux Financial via:
- Phone call
- Text message (SMS/MMS)
Message and data rates may apply. You can opt out of future communications at any time by replying "STOP" to a text message or contacting us directly using the information below.
5. Data Protection and Security
We take reasonable measures to safeguard your personal information from unauthorized access, use, or disclosure. While we implement industry-standard security practices, no online platform can guarantee complete security.
6. Sharing of Information
We do not sell or share your personal information with third parties. We may, however, share limited data with trusted service providers who assist us in operating our website or communicating with customers (for example, SMS or email platforms). These partners are required to protect your information and use it solely for the purpose of providing their contracted services.
7. Your Rights and Choices
You have the right to:
- Request access to the personal information we hold about you.
- Request correction or deletion of your data.
- Withdraw consent for communication at any time.
To exercise these rights, please contact us using the information below.
8. Third-Party Links
Our website may include links to other websites. Lux Financial is not responsible for the content, privacy practices, or security of those third-party sites.
9. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Updates will be posted on this page with a revised effective date.
10. Contact Us
If you have any questions about this Privacy Policy or how your information is used, please contact us.
Terms & Conditions
Effective Date: October 9, 2025
Company: Lux Financial
Website: luxfinancial.io
1. Acceptance of Terms
By accessing or using this website, luxfinancial.io, you agree to comply with and be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, you should not use this website or submit any personal information through it.
2. Purpose of Website
The information and materials provided on this site are for general informational purposes only. Lux Financial provides services related to financial consulting and investment strategy education. The content on this website should not be considered professional financial or legal advice. You should consult with a qualified advisor before making any financial decisions.
3. Use of Information
By submitting your information through any contact form on our website, you acknowledge and agree that:
- Lux Financial may contact you via phone, text message (SMS/MMS), or email to provide information related to your inquiry or the services you requested.
- Message and data rates may apply for SMS communications.
- You can opt out of communications at any time by replying "STOP" to text messages or contacting us directly.
4. No Guarantee of Results
While Lux Financial aims to provide accurate information and high-quality service, we do not guarantee specific financial results or outcomes. All investment or financial decisions carry risk, and past performance does not guarantee future returns.
5. Intellectual Property Rights
All content on this website — including but not limited to text, images, graphics, logos, videos, and design — is the property of Lux Financial or its licensors and is protected by copyright and trademark laws. You may not copy, reproduce, modify, or distribute any material from this site without prior written consent from Lux Financial.
6. Limitation of Liability
Lux Financial is not responsible for any direct, indirect, incidental, or consequential damages that may result from the use of or inability to use our website or services. This includes, but is not limited to, damages resulting from errors, omissions, interruptions, or loss of data or profits.
7. Third-Party Links and Services
Our website may include links to third-party websites or services. These links are provided for convenience only. Lux Financial has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party sites or services.
8. Privacy
Your submission of personal information through our website is governed by our Privacy Policy. By using this website, you consent to the collection and use of your information as described in that policy.
9. Changes to These Terms
Lux Financial may update or modify these Terms & Conditions at any time without prior notice. Any changes will be posted on this page with an updated effective date. Your continued use of the website after any modifications constitutes acceptance of those changes.
10. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles.
11. Contact Us
If you have any questions regarding these Terms & Conditions, please contact us.
Autopay Terms of Service
By using Auto Pay, you agree to the following terms and conditions:
Enrollment in Auto Pay
When you enroll in Auto Pay, you authorize Lux Financial LLC to automatically charge your selected payment method for recurring charges, including any subscription fees or ongoing services, on the due date.
Payment Methods
You can link a valid credit or debit card, or a bank account, to your Auto Pay account. It is your responsibility to ensure your payment information is up-to-date. You can update your payment method anytime through your account or by contacting us.
Billing and Payment
Payments will be automatically processed according to your billing cycle or service period. You will be charged the amount due for services as specified in your plan. If there are any changes in the payment amount (such as price adjustments), we will notify you in advance. If the payment is declined due to insufficient funds or incorrect payment details, you will be notified, and your service may be interrupted until payment is successfully processed.
Timing of Payments
Auto Pay payments will be debited on or shortly after the billing date, as specified in your service agreement. It is your responsibility to ensure your payment method has sufficient funds to cover the charge.
Cancelling Auto Pay
You can cancel Auto Pay at any time by logging into your account or contacting customer support. Please note that cancellations will take effect at the next billing cycle. Any unpaid balance will still be due before cancellation.
Refunds
If you believe you were charged incorrectly, please contact our support team within 15 days. Refund requests made after this period may not be eligible for processing. Any refunds will be issued to your original payment method.
Account and Payment Method Updates
You are responsible for keeping your payment details accurate. If your payment method expires or is canceled, or if there are any changes to your account, you must update your details immediately to avoid interruptions to your service.
Late Fees and Penalties
If a payment fails or is delayed, a late fee may be applied, depending on the terms of your service. Your account may also be temporarily suspended or terminated until any overdue payments are made.
Termination of Auto Pay
We reserve the right to suspend or terminate Auto Pay at our discretion, particularly in cases of non-payment, fraud, or violations of these terms.
Modifications
We may update these Auto Pay terms from time to time. You will be notified of any significant changes, and continued use of Auto Pay indicates your acceptance of any updated terms.
Contact Us
Lux welcomes your questions or comments regarding the Terms:
Lux Financial LLC
3301 N Thanksgiving Way, Suite 475
Lehi, Utah 84048
Email Address:
support@luxfinancial.io
Telephone number:
877-237-3401