Legal
Terms of Service
Last updated: July 2026. This is a draft for review.
Acceptance of terms
By using the Lumea Financial website, you agree to these Terms of Service. This is a first-draft document and should be reviewed by legal counsel before launch. The specific terms of any engagement are governed by a separate written service agreement.
Nature of our services
Lumea Financial provides private student loan repayment strategy consulting, application preparation, and ongoing support. We are not a government agency, not a law firm, and not a loan servicer. The federal programs we assist with are available to you for free at StudentAid.gov.
No guarantee of results
Nothing on this website is a promise of any specific outcome. Eligibility and results are determined solely by the U.S. Department of Education and your loan servicer. We do not guarantee approval, forgiveness, a specific payment amount, or a timeline.
Informational content
Content on this website is general information, not personalized legal, financial, or tax advice. Federal student loan rules change frequently. Verify your specific situation with us or an appropriate professional before acting.
Your responsibilities
You agree to provide accurate information and to review any documents prepared on your behalf before signing them. You are responsible for monitoring your own accounts and forwarding notices from your servicer or the Department of Education.
Limitation of liability
To the fullest extent permitted by law, we are not liable for outcomes determined by the Department of Education or your loan servicer, or for changes in government policy or program rules that are outside our control.
Contact
Questions about these terms? Contact us at info@lumeafinancial.com or (866) 952-5455.