Terms & Conditions

Please read these Terms and Conditions ("Terms") carefully before using the website operated by LightUp Financial LLC ("LightUp Financial," "we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree to all of these Terms, you must discontinue use of the site immediately.

1. Acceptance of Terms

By accessing our website at lightupfinancial.com, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be legally bound by them. These Terms apply to all visitors, users, and others who access or use our website and services.

2. License to Use

LightUp Financial grants you a limited, non-transferable, non-exclusive, revocable license to access and use our website for your personal, non-commercial purposes. This license does not include the right to:

• Reproduce, distribute, or publicly display any content from the site
• Modify, translate, adapt, or create derivative works from our content
• Reverse engineer any software or technology used on the site
• Use the site for any commercial purpose or for any public display
• Build a competing website or service using our content or materials
• Scrape, crawl, or use automated means to access site content

3. Intellectual Property

All content on this website — including text, graphics, logos, images, audio clips, and software — is the property of LightUp Financial LLC or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. All rights are reserved. You may not reproduce, duplicate, copy, sell, or exploit any portion of the site without our express written permission.

4. Not Financial or Legal Advice

The information provided on this website is for general informational purposes only and does not constitute financial, tax, legal, or investment advice. Nothing on this site should be construed as an offer or solicitation to buy or sell any financial product or service. You should consult with a qualified professional before making any financial decisions. LightUp Financial is not responsible for any actions taken based on information found on this website.

5. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by LightUp Financial. We provide these links solely as a convenience and do not endorse, and are not responsible for, the content, privacy policies, or practices of any third-party sites. We strongly advise you to review the terms and privacy policies of any third-party websites you visit.

6. Disclaimer of Warranties

This website is provided on an "as-is" and "as-available" basis without any warranties of any kind, either express or implied. LightUp Financial expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, free of viruses, or that defects will be corrected. Your use of the site is solely at your own risk.

7. Limitation of Liability

To the fullest extent permitted by applicable law, LightUp Financial LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or goodwill — arising out of or in connection with your use of, or inability to use, this website or its content. In no event shall our total liability to you exceed $50 for any claims arising from your use of the website.

8. Prohibited Conduct

You agree not to use our website in any way that:

• Violates any applicable local, state, national, or international law or regulation
• Is unlawful, harmful, threatening, abusive, harassing, or defamatory
• Infringes upon the intellectual property rights of LightUp Financial or others
• Transmits spam, chain letters, or other unsolicited communications
• Introduces malware, viruses, or any other harmful code
• Attempts to gain unauthorized access to any part of our systems or networks

9. Dispute Resolution & Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our website shall be resolved through binding arbitration on an individual basis, administered by the American Arbitration Association under its applicable rules. You expressly waive your right to participate in any class action lawsuit or class-wide arbitration. This arbitration provision does not prevent either party from seeking emergency equitable relief in a court of competent jurisdiction, or from pursuing claims in small claims court where eligible.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Los Angeles County, California.

11. Termination

We reserve the right to suspend or terminate your access to our website at any time, for any reason, without notice or liability. Upon termination, your right to use the site will immediately cease. All provisions of these Terms that by their nature should survive termination — including ownership, warranty disclaimers, indemnity, and liability limitations — shall survive.

12. Changes to These Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will indicate the date of the most recent revision at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must stop using our website.

13. Contact Us

If you have any questions about these Terms and Conditions, please contact us: