Terms and Conditions

Acceptance of Terms

By accessing or purchasing from Luminate Credit Academy™, you agree to be bound by these Terms and Policies. If you do not agree, please do not use this website or its products.

Intellectual Property

All content, including eBooks, guides, branding, and digital assets, is the intellectual property of Luminate Credit Academy LLC. Unauthorized reproduction, distribution, or resale is strictly prohibited.

Digital Product Policy

All products sold are digital downloads. No physical items will be shipped.

Instant access upon purchase

No refunds due to the nature of digital content

Customers are responsible for saving and backing up their downloads

Privacy Policy

We respect your privacy. Personal information collected during checkout is used solely for order fulfillment and customer support.

User Conduct

You agree not to:

Misrepresent your identity or payment information

Share, resell, or distribute purchased content

Use our materials for unlawful or unethical purposes

Violations may result in account termination and legal action.

Modifications

Luminate Credit Academy™ reserves the right to update these terms at any time. Continued use of the site after changes constitutes acceptance of the revised terms. Your Terms and Conditions section is like a contract between you and your customers. You make information and services available to your customers, and your customers must follow your rules.