Terms of Use

1. Educational Nature of Service

Lumina Path is an educational resource directory. We are not a government agency, a financial institution, a law firm, or a lender.

The content provided on this website is for general informational purposes only. While we strive to keep our database of community resources (such as food banks, housing grants, and utility assistance) accurate, government programs change frequently.

2. No Professional Advice

Reliance on any information provided by Lumina Path is solely at your own risk. The information contained herein is not intended to be a substitute for:

• Professional legal advice or representation.
• Professional financial planning or credit counseling.
• Official government eligibility determinations.

Always seek the advice of a qualified professional or the specific government agency regarding your situation.

3. Third-Party Links & Affiliates

Our Service may contain links to third-party web sites or services that are not owned or controlled by Lumina Path.

Lumina Path has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites. We may receive compensation from some third-party links (affiliates) if you choose to use their services. This helps fund our website but does not result in extra cost to you.

You acknowledge and agree that Lumina Path shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, goods, or services available on or through any such web sites.

4. Disclaimer of Warranties ("As Is")

Please read this section carefully

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. Lumina Path makes no representations or warranties of any kind, express or implied, as to the operation of their services, or the information, content, or materials included therein.

We do not guarantee that:

• Any specific resource listed will be available or funded at the time you apply.
• You will qualify for any specific aid or grant.
• The website will be uninterrupted or error-free.

5. Limitation of Liability

In no event shall Lumina Path, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

6. User Conduct

By using this site, you agree not to:

• Use the site for any unlawful purpose.
• Attempt to scrape, harvest, or extract data from the directory for commercial use without permission.
• Impersonate any person or entity or falsely state your affiliation with a government entity.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.