Welcome to Lumoset. These terms explain the rules for using our website, our free courses, and our educational materials. Please read them carefully — by using our site, you agree to them.
1. Acceptance of These Terms
By accessing or using the Lumoset website (the “Service”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service. These Terms apply to all visitors, learners, and other users.
2. Who We Are
The Service is operated by Lumoset Foundation Inc. (“Lumoset,” “we,” “us,” or “our”), a registered 501(c)(3) nonprofit organization based in Fort Wayne, Indiana. You can reach us any time through our Contact page.
3. Educational Content
Everything we publish — courses, lessons, guides, quizzes, certificates, and articles — is designed to help the general public build everyday online-safety and digital skills. It is general education, not personalized advice, and it cannot account for your specific situation.
4. Not Professional Advice
Our materials are not a substitute for professional advice. In particular:
- For legal questions, consult a licensed attorney in your area.
- For medical or health questions, consult a licensed medical professional.
- For financial, tax, or investment questions, consult a licensed financial or tax professional.
We try hard not to make legal, medical, or financial claims. If anything on our site reads like specific advice for your situation, please treat it as general education and confirm it with the appropriate licensed professional before acting.
5. No Guarantee of Results
We want you to succeed, but we cannot and do not promise specific results. Using our Service does not guarantee that you will get a job, earn income, be hired or admitted anywhere, pass any exam, receive any certification or license, or avoid any particular scam, fraud, or loss. Any certificate of completion we offer simply confirms that you finished the material — it is not a professional credential, license, or qualification, and it does not guarantee employment or any other outcome.
6. Your Responsibility
You are responsible for how you use the information and skills you gain from the Service, and for any decisions you make based on them. Online safety depends on many factors outside our control, and no education can eliminate every risk. Please use good judgment and, when something matters, verify it with a qualified professional or an official source.
7. Scam Stories & Examples
To teach warning signs, we sometimes share scam stories and examples. Unless we clearly state otherwise, these are illustrative, simplified, or composite scenarios created for education. They are not accusations against, or descriptions of, any specific real person or business, and any resemblance to a real individual or company is unintentional.
8. Accounts
Some features may let you create an account. If you do, you agree to provide accurate information and to keep your password secure. You are responsible for activity under your account. Please let us know right away if you believe your account has been used without your permission. We may suspend or close accounts that violate these Terms.
9. Acceptable Use
Please use the Service lawfully and respectfully. You agree not to misuse it — for example, by attempting to disrupt or gain unauthorized access to the site, using it to harm others, or copying our materials for commercial resale without permission.
10. Intellectual Property
The Service and its original content, features, and functionality are and will remain the property of Lumoset Foundation Inc. and its licensors, protected by copyright, trademark, and other laws. You are welcome to use our free materials for your own learning and to share links to our pages. Our name, logo, and branding may not be used to imply endorsement or affiliation without our prior written permission.
11. Links to Other Sites
Our Service may link to third-party websites or tools that we do not own or control. We provide these links for convenience and do not endorse and are not responsible for their content, policies, or practices. We encourage you to review the terms and privacy policies of any site you visit.
12. Termination
We may suspend or end your access to the Service at any time, without notice, if you breach these Terms or misuse the Service. You may stop using the Service at any time.
13. Disclaimer of Warranties
The Service is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, error-free, or free of harmful components, or that any information will be accurate, complete, or current.
14. Limitation of Liability
To the fullest extent permitted by law, Lumoset Foundation Inc. and its directors, staff, volunteers, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of income, opportunity, data, or goodwill — arising from your access to or use of (or inability to use) the Service, anything you obtained from it, or any decision you made based on it, even if we were advised such damages were possible. Where liability cannot be excluded, it is limited to the greatest extent the law allows.
15. Indemnification
You agree to hold harmless and, where permitted by law, indemnify Lumoset Foundation Inc. and its staff and volunteers from any claims, damages, or costs arising out of your misuse of the Service or your violation of these Terms.
16. Governing Law
These Terms are governed by the laws of the State of Indiana, United States, without regard to its conflict-of-law rules. If any provision is found to be unenforceable, the remaining provisions will remain in effect.
17. Changes to These Terms
We may update these Terms from time to time. When we make a material change, we will update the “Last updated” date on this page and, where appropriate, provide additional notice. By continuing to use the Service after changes take effect, you agree to the updated Terms.
Questions about this policy?
We’re happy to help — reach out and a real person will get back to you.
