Terms of
Use.

LumiGaia Capital Pte. Ltd. is a Singapore-based investment management company currently operating as a family office.

• We are not licensed or regulated by the Monetary Authority of Singapore (“MAS”) or any other regulatory authority to provide investment management services to the public.
• Nothing on this Site should be construed as regulatory approval or authorization to manage public funds.

The content on this Site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities or investment products.

Nothing on this Site should be interpreted as investment, legal, tax, or other advice.

We are committed to protecting your privacy and personal data. This Site does not actively collect personal data, except for basic information you may provide voluntarily, for example via a contact form or email.

Any personal data you provide will be used only for the purpose of responding to your inquiry and will not be sold, rented, or disclosed to third parties unless required by law.

For more detailed information about how we handle personal data, please review our Privacy Policy.

By using this Site, you consent to the collection and use of any personal data you provide in accordance with our Privacy Policy.

All content on this Site, including text, graphics, logos, and design elements, is owned by or licensed to LumiGaia Capital and is protected by copyright and other intellectual property laws.

You may view and download content for personal, non-commercial use only.

You may not:

• Modify, copy, or distribute any content without our written consent
• Use this Site for unlawful purposes

While we strive to ensure that the information on this Site is accurate and up to date, we make no representations or warranties about its completeness or reliability.

We are not responsible for any errors, omissions, or actions taken based on the information provided on this Site.

LumiGaia Capital shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

• Your use or inability to use the Site
• Any reliance you place on its content
• Technical issues, including viruses or service interruptions

These Terms are governed by the laws of Singapore.

Any disputes arising from the use of the Site shall be subject to the exclusive jurisdiction of the courts of Singapore.

We may update these Terms from time to time.

Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.