Terms of Service

Last Updated: December 25, 2025

1. Definitions

Throughout these Terms of Service ("Terms"), the following definitions apply:

  • "Company," "we," "us," or "our" refers to Luxora Financial, LLC, a Nevada limited liability company.
  • "Site" refers to the website located at luxorafinancial.com and all associated subdomains.
  • "User," "you," or "your" refers to any individual or entity accessing or using the Site.
  • "Content" refers to all text, images, graphics, logos, videos, software, data, and other materials displayed on or available through the Site.
  • "Portfolio Companies" or "Subsidiaries" refers to the companies owned, operated, or affiliated with Luxora Financial, LLC, including but not limited to Foresight Trust Company, Foresight Capital Partners, Foresight Wealth Management, Foresight Finance Academy, Foresight Insurance Group, and Foresight Tax Advisors.
  • "Services" refers to any services, information, or functionality provided through the Site.

2. Acceptance of Terms

By accessing, browsing, or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site.

We reserve the right to modify, update, or change these Terms at any time without prior notice. Changes become effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically for updates.

3. Eligibility

The Site is intended for users who are at least eighteen (18) years of age. By using this Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are accessing the Site on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

The Site is intended for users located within the United States. We make no representations that the Site or its Content is appropriate or available for use in other locations. Users who access the Site from outside the United States do so at their own risk and are responsible for compliance with local laws.

4. Description of the Company

Luxora Financial, LLC is a holding company that owns and operates a portfolio of financial services and education brands. The Site provides general information about our company, our mission, and our Portfolio Companies. The Site is informational in nature and does not provide financial, investment, legal, tax, insurance, or any other professional services directly.

Each Portfolio Company operates as a separate legal entity with its own terms of service, privacy policies, and regulatory obligations. Your use of any Portfolio Company's website or services is governed by that company's specific terms and policies, not these Terms.

5. No Professional Advice

THE CONTENT ON THIS SITE IS PROVIDED FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE PROFESSIONAL ADVICE OF ANY KIND.

Nothing on this Site should be construed as:

  • Financial or investment advice
  • Legal advice
  • Tax advice
  • Insurance advice
  • Accounting advice
  • Estate planning advice
  • A recommendation to buy, sell, or hold any security or investment
  • An offer or solicitation to provide any financial services

Before making any financial, legal, tax, or other professional decisions, you should consult with appropriately licensed and qualified professionals who can provide advice tailored to your specific situation. Luxora Financial, LLC does not guarantee the accuracy, completeness, timeliness, or applicability of any information on this Site.

If you are seeking professional financial services, please contact the appropriate Portfolio Company directly or consult with an independent professional.

6. Portfolio Companies Disclaimer

While Luxora Financial, LLC owns and operates various Portfolio Companies, each subsidiary operates independently and is solely responsible for its own:

  • Products and services
  • Regulatory compliance and licensing
  • Terms of service and contractual obligations
  • Privacy practices and data handling
  • Customer relationships and disputes
  • Marketing and advertising

Luxora Financial, LLC is not responsible or liable for any acts, omissions, products, services, or representations of any Portfolio Company. Any claims, disputes, or issues arising from your relationship with a Portfolio Company must be resolved directly with that entity pursuant to its own terms and policies.

The inclusion of information about Portfolio Companies on this Site does not constitute an endorsement, guarantee, or warranty of their services, and does not create any agency, partnership, or joint venture relationship between you and Luxora Financial, LLC.

7. User Conduct

By using this Site, you agree to use it only for lawful purposes and in accordance with these Terms. You agree NOT to:

  • Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
  • Use the Site for any fraudulent, deceptive, or misleading purpose
  • Attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site
  • Use any robot, spider, scraper, or other automated means to access the Site or collect Content without our express written permission
  • Interfere with or disrupt the Site's functionality, security features, or servers
  • Transmit any viruses, malware, worms, or other malicious code
  • Engage in any conduct that restricts or inhibits any other user's use or enjoyment of the Site
  • Collect, harvest, or store personal information about other users without their consent
  • Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
  • Frame, mirror, or otherwise incorporate any part of the Site into any other website without our prior written authorization
  • Use the Site for any commercial purpose without our express written consent
  • Reverse engineer, decompile, or disassemble any portion of the Site
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notices on the Site

8. Intellectual Property Rights

The Site and all Content, features, and functionality are owned by Luxora Financial, LLC, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The following are trademarks, service marks, or trade names of Luxora Financial, LLC or its affiliates:

  • Luxora Financial
  • Luxora
  • Foresight Trust Company
  • Foresight Capital Partners
  • Foresight Wealth Management
  • Foresight Finance Academy
  • Foresight Insurance Group
  • Foresight Tax Advisors

You may not use, copy, reproduce, modify, distribute, transmit, display, publish, sell, license, create derivative works from, or exploit any Content or trademarks without our prior written permission. Limited permission is granted to electronically copy and print portions of the Site solely for your personal, non-commercial, informational use, provided that you do not modify the Content and that all copyright and proprietary notices are retained.

9. User Communications and Submissions

This Site may provide functionality for you to submit inquiries, feedback, or other communications to us through contact forms or email. By submitting any communication to us, you agree to the following:

  • Your submission does not create any confidential, fiduciary, or professional relationship between you and Luxora Financial, LLC
  • Your submission is not confidential or proprietary unless we have entered into a separate written agreement stating otherwise
  • We are free to use any ideas, concepts, know-how, or techniques contained in your communication for any purpose whatsoever
  • You will not submit any content that is unlawful, defamatory, obscene, threatening, or otherwise objectionable
  • You will not submit any content that infringes on the intellectual property rights of any third party

We are under no obligation to respond to any communication or to use or acknowledge any submission.

10. Third-Party Links and Content

The Site may contain links to third-party websites, including websites of our Portfolio Companies, partners, or other external resources. These links are provided solely for your convenience and do not constitute an endorsement, sponsorship, or recommendation of the third-party or its content.

Luxora Financial, LLC has no control over the content, privacy policies, or practices of any third-party websites and assumes no responsibility or liability for them. Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites. We encourage you to review the terms and privacy policies of any third-party website before use.

11. Accuracy of Information

While we strive to provide accurate and up-to-date information on this Site, we make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of any Content. Information on this Site may contain typographical errors, inaccuracies, or omissions and may not be complete or current.

We reserve the right to:

  • Correct any errors, inaccuracies, or omissions
  • Change or update information at any time without prior notice
  • Modify, suspend, or discontinue any aspect of the Site at any time

We are under no obligation to update any information on the Site. You agree that it is your responsibility to monitor changes to the Site.

12. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, disclose, and protect your personal information. By using the Site, you consent to the collection and use of information as described in our Privacy Policy.

13. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LUXORA FINANCIAL, LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
  • WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
  • WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT
  • WARRANTIES THAT DEFECTS WILL BE CORRECTED
  • WARRANTIES THAT THE SITE OR SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LUXORA FINANCIAL, LLC, ITS AFFILIATES, PORTFOLIO COMPANIES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

  • INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
  • LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES
  • DAMAGES RESULTING FROM YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE
  • DAMAGES RESULTING FROM ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE
  • DAMAGES RESULTING FROM UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to defend, indemnify, and hold harmless Luxora Financial, LLC, its affiliates, Portfolio Companies, and their respective officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to reasonable attorneys' fees) arising from or relating to:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any third-party right, including any intellectual property, privacy, or proprietary right
  • Your violation of any applicable law, rule, or regulation
  • Any content you submit or transmit through the Site
  • Any claim that your conduct caused damage to a third party

This indemnification obligation will survive the termination of these Terms and your use of the Site.

16. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and Luxora Financial, LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Site (collectively, "Disputes") will be resolved through binding individual arbitration rather than in court, except that either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

Arbitration Procedures: The arbitration will be conducted by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration will be held in Clark County, Nevada, unless you and we agree otherwise. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Costs: Payment of arbitration fees will be governed by the AAA's rules. If the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose, the parties agree that the arbitrator may impose sanctions, including requiring you to pay our arbitration costs and attorneys' fees.

17. Class Action Waiver

YOU AND LUXORA FINANCIAL, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

Unless both you and we agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative, collective, or class proceeding. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.

18. Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND LUXORA FINANCIAL, LLC EACH WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE.

19. Termination

We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Site at any time, with or without notice, for any reason or no reason, including without limitation, any violation of these Terms.

Upon termination, your right to use the Site will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation, ownership provisions, warranty disclaimers, indemnification, limitations of liability, dispute resolution, and the class action waiver.

20. Copyright Infringement / DMCA

If you believe that any Content on the Site infringes upon your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing the following information in writing to our designated copyright agent:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright interest
  • Identification of the copyrighted work claimed to have been infringed
  • Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material
  • Your contact information, including address, telephone number, and email address
  • A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law
  • A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner

Our designated agent for notice of claims of copyright infringement can be reached at: legal@luxorafinancial.com

21. Governing Law

These Terms and any dispute arising out of or related to these Terms or the Site shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law principles. To the extent that any lawsuit or court proceeding is permitted hereunder, you and Luxora Financial, LLC agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Clark County, Nevada.

22. Force Majeure

Luxora Financial, LLC shall not be liable for any failure or delay in performing any obligation under these Terms where such failure or delay results from any cause beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, earthquakes, accidents, strikes, labor disputes, shortages of transportation, fuel, energy, labor, or materials, failure of telecommunications or information systems, or any other event beyond our reasonable control.

23. Severability

If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity of any provision shall not affect the validity or enforceability of any other provision, and all other provisions shall remain in full force and effect.

24. Waiver

No waiver by Luxora Financial, LLC of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure by us to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

25. Assignment

You may not assign, transfer, or sublicense any or all of your rights or obligations under these Terms without our prior written consent. We may assign, transfer, or sublicense any or all of our rights or obligations under these Terms without restriction and without notice to you. Any attempted assignment in violation of this section shall be null and void.

26. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and Luxora Financial, LLC with respect to the Site and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and us regarding the Site.

27. Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect. They shall not be used in the interpretation or construction of these Terms.

28. Contact Information

If you have any questions about these Terms of Service, please contact us through our Contact page.