1. Acceptance of Terms

By accessing and using the website lumivex.sbs (the "Site"), operated by Winter Benefit Guide ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Site.

2. Purpose of the Site

This Site is designed to provide informational content about Winter Fuel Payment schemes and heating assistance programs in the United Kingdom. The information provided is for educational and informational purposes only and should not be considered as professional legal or financial advice.

3. Disclaimer of Warranties

The information on this Site is provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the accuracy, completeness, or reliability of the information provided. We do not warrant that the Site will be uninterrupted, error-free, or free from viruses or other harmful components.

4. Limitation of Liability

To the fullest extent permitted by law, Winter Benefit Guide shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Site or the information provided, even if we have been advised of the possibility of such damages.

5. User Responsibilities

You agree to use this Site only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the Site. Prohibited behavior includes:

• Harassing or causing distress or inconvenience to any person
• Transmitting obscene or offensive content
• Disrupting the normal flow of dialogue within our Site
• Attempting to gain unauthorized access to our systems
• Using automated systems to collect data without permission

6. Intellectual Property Rights

All content on this Site, including text, graphics, logos, images, and software, is the property of Winter Benefit Guide or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or transmit any content without our prior written permission.

7. Third-Party Links

This Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is governed by their terms and conditions.

8. Modification of Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following such modifications constitutes your acceptance of the updated Terms of Use.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the United Kingdom, and you irrevocably submit to the exclusive jurisdiction of the courts located in the United Kingdom.

10. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

11. Contact Information

If you have questions about these Terms of Use, please contact us at:

Winter Benefit Guide
51 Church Lane
Sheffield, S1 1AA
United Kingdom
Email: support@lumivex.sbs
Phone: +44 535 3633 6001