TERMS OF SERVICE

Lumera Services, LLC
Effective Date: March 1, 2026

These Terms of Service (“Terms”) govern your access to and use of the website located at www.lumeraservices.org and any services provided by Lumera Services, LLC (“Lumera,” “we,” “our,” or “us”).

By accessing this website, submitting a consultation request, or engaging our services, you agree to these Terms.

1. Nature of Services

Lumera Services, LLC is a financial recovery and administrative support firm based in New Jersey.

We provide administrative, preparation, and consulting support services including:

• Tax preparation and ITIN application assistance
• Credit repair and financial advocacy services
• Debt settlement and negotiation facilitation
• Business formation and administrative support services
• Notary and certified translation services

Lumera does not provide:

• Legal advice
• Investment advice
• CPA or audit services
• Financial planning services
• Representation before the IRS, courts, or government agencies unless expressly agreed in writing

Lumera is not a law firm and not a CPA firm.

All formal services require execution of a signed Client Services Agreement and applicable Service Order Form.

2. Administrative & Advisory Limitation

Lumera provides administrative preparation and strategic support only.

We do not:

• Guarantee specific credit score increases
• Guarantee deletion of credit report items
• Guarantee creditor settlement acceptance
• Guarantee tax refund amounts
• Guarantee approval of any government filing

Outcomes depend on third-party agencies, creditors, financial institutions, and government authorities.

3. Engagement Requirements

No service begins without:

• A signed Client Services Agreement; and
• Any required retainer or deposit stated in writing.

Work is considered initiated once a client file is opened, documentation is reviewed, research begins, forms are prepared, system entries are made, or communications are initiated on the client’s behalf.

4. Scope of Services

Services are limited strictly to what is described in the signed Service Order Form or service agreement.

Any work outside the defined scope requires written modification and may require additional fees.

5. Client Responsibilities

Clients are responsible for:

• Providing complete, accurate, and truthful information
• Reviewing all drafts before submission
• Approving final documents before filing or delivery
• Maintaining copies of their records
• Responding to communications in a timely manner

Clients retain full responsibility for the accuracy of all information submitted to tax authorities, credit bureaus, creditors, or other third parties.

6. Payments, Deposits & Refund Policy

Unless otherwise stated in writing:

• A minimum deposit or retainer may be required before services begin.
• Deposits become non-refundable once services are initiated.
• Fees compensate Lumera for administrative services performed — not outcomes.
• Government filing fees and third-party fees are not included unless expressly stated.

Lumera may suspend or terminate services for nonpayment.

Files inactive for thirty (30) days without client response may be marked abandoned and closed.

7. Credit Repair & Debt Services Disclosure

Where applicable, credit repair and debt negotiation services are provided in accordance with applicable state and federal regulations.

Credit reporting agencies, furnishers, and creditors independently determine investigation and settlement outcomes.

Lumera does not collect, hold, or manage client settlement funds unless expressly agreed in writing.

8. Chargebacks & Payment Disputes

Initiating a chargeback or payment dispute for services already performed may constitute a material breach of these Terms.

Lumera reserves the right to:

• Suspend services
• Terminate engagement
• Contest disputes with supporting documentation
• Pursue recovery of unpaid balances, fees, and associated costs

9. Electronic Communications & Signatures

By engaging Lumera, you consent to:

• Electronic communications
• Electronic signatures
• Electronic document delivery

You are responsible for maintaining accurate contact information and monitoring communications sent to you.

10. Limitation of Liability

To the fullest extent permitted by law, Lumera’s total liability for any claim arising from services shall not exceed the amount paid for the specific service giving rise to the claim within the preceding three (3) months.

Lumera shall not be liable for:

• Decisions made by tax authorities, credit bureaus, or creditors
• Client-provided inaccurate or incomplete information
• Government processing delays
• Credit score fluctuations
• Indirect, incidental, consequential, or punitive damages

Any claim must be brought within one (1) year of the event giving rise to the claim.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of New Jersey, except where applicable federal law applies.

Any dispute arising under these Terms shall be brought exclusively in the courts located in the State of New Jersey.

12. Multi-State Services

Lumera provides services to clients nationwide where permitted by law. Clients are responsible for ensuring they are legally eligible to engage such services in their jurisdiction.

13. Website Use

All website content is provided for informational purposes only and does not constitute legal, financial, or tax advice.

Unauthorized reproduction or misuse of website content is prohibited.

14. Changes to These Terms

Lumera may update these Terms at any time. Updated versions will be posted on this page with a revised effective date.

Continued use of the website or services after changes constitutes acceptance of the revised Terms.

15. Contact Information

Lumera Services, LLC
New Jersey, United States
WhatsApp: +1 (551) 399-4787
Email: Contact@lumeraservices.org
Website: www.lumeraservices.org