Legal

Terms of Service

Last Updated: 4 March 2026

These Terms of Service govern your use of the Luminestario website (luminestario.com) and describe the terms under which Luminestario provides its financial education workshop services. By accessing this website or engaging our services, you agree to these terms.

1. About Luminestario

Luminestario is a financial education program provider based in Xalapa, Veracruz, México (Juan Escutia 2). We deliver group financial education workshops to employees of Mexican companies as a corporate benefit. Our services consist of educational content delivered in group settings — we do not provide individual financial advice, personalized financial planning, or investment recommendations.

2. Nature of Services

Luminestario's workshops are educational in nature. The content delivered in our sessions is informational and intended to help employees understand financial concepts, tools, and systems relevant to working life in Mexico, including biweekly budgeting, credit card debt management, AFORE retirement accounts, and Infonavit housing fund.

Our services do not constitute:

  • Individual financial advice or personalized financial planning
  • Investment advice or recommendations
  • Legal advice
  • Tax advice
  • Any form of regulated financial service requiring authorization from the CNBV, CONDUSEF, or any other regulatory authority

Participants in our workshops should consult qualified professionals for advice specific to their individual financial situations.

3. Website Use

This website is provided for informational purposes. You may access and use this website for personal, non-commercial purposes. You agree not to:

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorized access to any part of the website or its systems
  • Reproduce, distribute, or modify website content without prior written permission
  • Use automated tools to scrape or extract content from the website

4. Intellectual Property

All content on this website, including text, graphics, logos, and workshop materials, is the property of Luminestario or its content suppliers and is protected by applicable intellectual property laws. No content may be reproduced, distributed, or used commercially without prior written authorization from Luminestario.

5. Service Agreements

Companies wishing to contract Luminestario's workshop services will enter into a separate service agreement that specifies the scope, format, schedule, pricing, and terms of the workshop program. These Terms of Service govern website use and general engagement; specific service terms are governed by the applicable service agreement.

6. Accuracy of Information

We make reasonable efforts to ensure that the information presented on this website is accurate and current. However, financial regulations, program rules (such as AFORE and Infonavit regulations), and other information may change. We do not warrant that all information on this website is complete, accurate, or up to date at any given time. Visitors should verify important information with official sources.

7. Third-Party Links

This website may contain links to third-party websites for reference purposes. Luminestario is not responsible for the content, accuracy, or privacy practices of third-party websites. Links do not constitute endorsement of the linked content or organization.

8. Limitation of Liability

To the extent permitted by applicable law, Luminestario shall not be liable for any indirect, incidental, or consequential damages arising from the use of this website or from participation in our educational workshops. The educational content provided is informational; any decisions made based on workshop content are the sole responsibility of the individual making those decisions.

9. Governing Law

These Terms of Service are governed by the laws of the United Mexican States. Any disputes arising from these terms or from the use of this website shall be subject to the jurisdiction of the competent courts in Xalapa, Veracruz, México, with express waiver of any other jurisdiction that may apply by reason of present or future domicile.

10. Changes to These Terms

We may update these Terms of Service from time to time. The updated terms will be published on this page with a revised "Last Updated" date. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

11. Contact

For questions about these Terms of Service, please contact us:

  • Email: info@luminestario.com
  • Phone: +52 228 840 4322
  • Address: Juan Escutia 2, Xalapa, Veracruz, México