Website and Professional Services Disclaimer

Effective date: 14 September 2026

Information published by Lume Asset Protect Pty Ltd on this website is provided for general informational and educational purposes. It may discuss business structures, asset protection, ownership, taxation, business advisory and related matters, but it is not a substitute for advice based on your individual circumstances.

1. General information, not personal advice

Website content does not take into account all of your objectives, financial position, legal circumstances, family circumstances, business arrangements or other relevant facts. You should obtain advice appropriate to your circumstances before implementing a strategy, entering a transaction, changing a structure or making a material financial decision.

2. No engagement created by website use

Using the website, downloading material, submitting an enquiry or communicating with us does not automatically create a professional engagement. The scope, provider and terms of any professional service will be confirmed separately.

3. Professional boundaries

Asset protection is not a guarantee that assets will be protected from every creditor, claim, insolvency event, tax consequence, family-law issue, regulatory action or legal challenge. Effectiveness depends on circumstances, timing, implementation and applicable law.

Business structures can have significant legal, taxation, accounting, finance, estate-planning and commercial consequences. No structure is suitable for everyone.

Where legal, taxation, accounting, credit, financial product or financial advice is required, that work must be provided by an appropriately qualified, registered or licensed professional where required. Lume Asset Protect Pty Ltd may coordinate with other professionals rather than provide every regulated service itself.

4. Laws and information change

Taxation, corporations, superannuation, privacy, consumer, financial services and other laws and administrative practices can change. Website content may become outdated and may not reflect later legislation, rulings, court decisions, regulator guidance or changes to your circumstances.

5. Examples and case studies

Any examples, case studies, scenarios, calculations or illustrations are simplified and are provided to explain concepts. They are not promises, forecasts or guarantees and should not be assumed to produce the same outcome for another person.

6. Third-party information

We may refer to information or services provided by third parties. We do not guarantee the accuracy, completeness, availability or suitability of third-party information and are not responsible for third-party websites merely because we link to them.

7. Liability and statutory rights

To the maximum extent permitted by law, we are not liable for loss arising solely from reliance on general website information without obtaining appropriate advice. Nothing in this disclaimer excludes, restricts or modifies any right, guarantee or remedy that cannot lawfully be excluded.

8. Seek advice early

Professional outcomes can depend heavily on timing. If you are considering a transaction, restructure, asset transfer, finance application, tax position, dispute, insolvency issue or other significant step, obtain appropriate advice before acting rather than after the event.

9. Contact

If you would like advice about your circumstances, contact us using the details published on our website. We will determine the appropriate scope of work and, where necessary, the appropriate professional or specialist to assist.