definitions

"Site" means this URL "www.lumiracapital.com" and any replacement thereof for which Lumira provides Site Material;

"Lumira" means Lumira Capital Corp.;

"Site Material" means the form and content of everything (including all text, HTML, other code, multimedia presentations and images) available at the Site, and
its selection and arrangement, whether owned or provided by Lumira or others;

"User" or "you" means an individual living person who has access to the Site.

Using The Site + Site Material (limited non-exclusive license) Lumira reserves all rights it has or may have to the Site and Site Material. Site Materials are protected by law (including laws relating to copyright, trademark and confidential information), and are owned or controlled by Lumira or others. Your use of
the Site does not give you any right or license under any patent, trademark, copyright or other form of legal protection of Site Material.

You may use this Site for informational and educational purposes only.

Lumira allows each User (subject to applicable laws and the terms described below) to read, copy and print Site Material for his or her own personal non-commercial use provided that:

• the Site Material is not modified
• materials retain all copyright and other notices that are on the version of this Site
• no other use, reproduction, distribution, modification, creation of derivative work, publication, transmission or dissemination of Site Material is made in
  any way without the prior written consent of Lumira.

no solicitation, advice or warranties
You agree that Site Material:

• is provided on an "as is" basis;
• is not intended as an offer or encouragement to buy or sell anything;
• will not be relied on as advice to you (legal, financial, accounting, investment, taxation or any other kind);
• is not guaranteed as to quality, accuracy, completeness, timeliness or as being free from typographical errors; and
• may be changed without notice.

You agree that, as regards to your use of the Site or Site Material, you are not relying on, and Lumira has not made:

• any express or implied warranties or representations regarding merchantability, fitness for a particular purpose, non-infringement or otherwise (whether or not arising from a course of dealing, trade practise, Internet practise or otherwise);
• any guarantee that access to the Site and Site Material will be without error or interruption.

no investment advice
Lumira and its affiliates and associates, and the officers, directors, employees or members of Lumira and its affiliates and associates do not under any circumstances make any recommendations regarding the securities or investment services of any person or entity, or of the advisability of investing in securities generally for any particular individual. None of such persons:

• has passed on the merit of any of the securities referred to on this Site or any other site to which a link is made
• has endorsed or sponsored any of these securities; or
• makes or has made any recommendation regarding any securities issued by any of the companies identified on or linked to this Site, nor the advisability of investing in securities generally for any particular individual.

The information contained on this Site is not intended to provide specific legal, accounting, financial or tax advice for any individual and should not be relied upon in that regard. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC SECURITY, FUND, INDEX, REPORT, OPINION, ADVICE OR OTHER CONTENT.

accuracy

• While Site Material has been obtained from sources believed to be reliable, it may become outdated over time and could include technical or other inaccuracies or typographical errors.
• The information on the Site is provided "as is" without any warranties of any kind. Lumira assumes no responsibility to you or any third party for the consequences of any errors or omissions.
• The market, fund and company information displayed on the Site is provided on a time-delayed basis and Lumira does not guarantee its accuracy or completeness.
• All responsibility or liability for any damages caused to computer systems, software or electronic files by computer viruses, "worms", "trojan horses" or other items or forces of an intrusive, disruptive or destructive nature is disclaimed.
• Lumira makes no representation and disclaims all express and implied warranties and conditions of any kind, including without limitation, representations, warranties or conditions regarding accuracy, timeliness, completeness, non-infringement, merchantability or fitness for any particular purpose.

no liability of Lumira
Unless otherwise explicitly provided by applicable laws, Lumira is not responsible for any direct, indirect, special, incidental, consequential, punitive or other damages, however caused, arising out of or in connection with the use of the Site or Site Material, including any business injury, business interruption, loss of use, loss of data, lost profits, or any other financial loss, whether based on contract, negligence or other tortious action, even if Lumira has been informed of the possibility of such damage or action. Any part of these terms that is declared invalid or unenforceable in respect of User shall not apply to User but the unenforceability of such term shall not affect the validity or enforceability of the rest of these terms.

links - no endorsement
As a convenience to Users, the Site contains links to a number of Sites or other URL addresses not maintained by Lumira ("other sites"). Where the Site contains a link to any other site:

• You link to the other site at your own risk.
• Lumira does not assume responsibility for the form, content, accuracy or completeness of anything available at that other site.
• Lumira's Privacy Policy and procedures do not apply to the other site (do not benefit you). You should find out directly from the other site whether they have any data collection or privacy policy that protects you.