Welcome to investingwisdoms.com ("Website", "Platform", or "Service"), a property of Lumenor LLC ("Company", "we", "us", or "our").

By accessing or using our website, services, tools, and applications (collectively, the "Services"), you agree to be bound by the following Terms and Conditions ("Terms").

Please read these Terms carefully before using our Services.

If you do not agree to these Terms, please do not use this Website.

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1. Purpose of the Service

investingwisdoms.com is a financial research and analytics platform that provides strategy backtesting, portfolio insights, and educational tools for informational and educational purposes only.

We aim to help users evaluate and compare stock strategies using historical data and portfolio modeling. However, the content and results are not intended as financial, investment, tax, legal, or accounting advice. No content on this Website constitutes a recommendation or endorsement to buy, sell, or hold any security or financial product.

2. No Investment Advice – User Due Diligence Required

Lumenor LLC is not a registered investment advisor, broker-dealer, or financial planner. All content and strategies presented are based on best efforts and historical data analysis (e.g., via Marketstack API), which may be delayed, incomplete, or inaccurate.

Users are solely responsible for their investment decisions. You must conduct your own due diligence and consult a qualified financial advisor before making any investment. Use of this Platform is at your own risk.

You agree that under no circumstances will Lumenor LLC, its affiliates, partners, employees, or agents be held liable for any loss or damage, including but not limited to loss of capital, arising from your use of or reliance on any content or tools provided by the Website.

3. No Warranties

• The Platform is provided "as is" and "as available", without warranties of any kind
• No guarantee of uninterrupted or error-free service
• No assurance that data is accurate, timely, or complete
• No claim that results (including backtesting or strategy performance) will be profitable or reliable

4. Limitation of Liability

To the maximum extent permitted by law, in no event shall Lumenor LLC or its affiliates be liable for any indirect, incidental, special, punitive, or consequential damages, including but not limited to loss of profits, revenue, or data, whether in an action in contract, tort, or otherwise, arising out of or in any way connected with your use of or inability to use the Platform.

5. Data Sources and Accuracy

The Website uses third-party data sources such as Marketstack and possibly others. While we strive for high data quality, there may be delays, inaccuracies, or data gaps, as commonly occurs with market data platforms.

• We do not guarantee data accuracy, completeness, or timeliness
• Technical indicators or modeling may contain errors

6. User Accounts and Security

To access certain features, you may be required to register an account. During registration, we collect:

• Email address
• Username
• Encrypted password (we cannot view your password)
• IP address (used for security and analytics)

We do not collect or store financial data like credit card numbers. All payments are securely handled by Stripe, a PCI-DSS compliant processor.

You are responsible for maintaining the confidentiality of your credentials and for any activity under your account.

7. Intellectual Property

All intellectual property, including but not limited to algorithms, designs, logos, data visualizations, and content, is owned by Lumenor LLC or its licensors. Unauthorized reproduction, distribution, or alteration is strictly prohibited.

8. Indemnification

You agree to indemnify, defend, and hold harmless Lumenor LLC, its officers, directors, employees, and agents from any claims, losses, liabilities, costs, or expenses (including attorneys’ fees) arising out of:

• Your use or misuse of the Platform
• Your violation of these Terms
• Any infringement of intellectual property or other rights

9. Modifications and Termination

We reserve the right to modify these Terms at any time. Updates will be reflected on this page with the revised "Last Updated" date.

We also reserve the right to suspend or terminate your access to the Platform if you violate any part of these Terms, with or without notice.

10. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of North Carolina (USA), without regard to its conflict of law rules. Any disputes shall be subject to the exclusive jurisdiction of courts in [Your State].

11. Contact Us

Lumenor LLC
Email: admin@investingwisdoms.com
Website: investingwisdoms.com