Please read these Terms and Conditions carefully before engaging with or making payment to Lumen Health NZ. By completing a payment, you confirm that you have read, understood, and agree to be bound by these Terms.

1. About Lumen Health NZ
Lumen Health NZ is a New Zealand-registered business (NZBN registered) providing scientifically informed, personalised wellness planning services. Our core offering is the creation of tailored plans and programmes based on each individual client's needs, goals, and circumstances.

Our services may include — but are not limited to — personalised nutrition and meal plans, training and gym programmes, lifestyle and daily routines, financial budgeting strategies, general wellness guidance, and where appropriate, supplement recommendations as part of a broader plan.

Our website exists solely to provide information and collect enquiries. All service agreements and transactions are completed through direct communication outside of the website.

2. Nature of Our Service
All services provided by Lumen Health NZ are bespoke and tailored to the individual client. We do not offer fixed pricing, standardised packages, or set programmes. Every engagement is a one-off, personalised arrangement agreed upon between Lumen Health NZ and the client prior to payment.

All plans, recommendations, and guidance provided by Lumen Health NZ are offered as advisory and informational in nature only. They represent our best assessment based on the information you have provided to us. They are not a guarantee of any specific result, outcome, or achievement. Individual results will vary.

Our plans and recommendations are not a substitute for professional medical, financial, nutritional, or psychological advice. Lumen Health NZ strongly recommends consulting qualified professionals in the relevant field before acting on any recommendation we provide.

IMPORTANT — ADVISORY DISCLAIMER
Everything provided by Lumen Health NZ — including meal plans, training programmes, supplement suggestions, budgeting strategies, and any other recommendations — is advisory in nature. It is a recommendation, not a directive. You retain full responsibility for how you apply any advice or plan provided. Lumen Health NZ does not guarantee specific results and is not liable for outcomes arising from following our recommendations.

3. Payment & Acceptance of Terms
All payments to Lumen Health NZ are one-off transactions agreed upon between both parties prior to any payment being made. By completing a payment to Lumen Health NZ, you are confirming that:

• You have agreed to the quoted price and scope of service in advance.
• You have read and accept these Terms and Conditions in full.
• You understand that all plans and recommendations are advisory only and not guaranteed outcomes.
• You accept full personal responsibility for how you implement any plan or recommendation provided.
• You acknowledge that Lumen Health NZ is not a registered medical, financial, or nutritional practitioner.

Payment constitutes full acceptance of these Terms and Conditions. No further agreement or signature is required.

4. Pricing
All pricing is bespoke and agreed upon prior to payment. Lumen Health NZ does not publish fixed price lists. Quotes are provided on a case-by-case basis depending on the complexity and scope of the service requested. No payment should be made unless a clear quote has been provided and agreed upon by both parties.

5. Delivery of Services
Lumen Health NZ delivers all plans and recommendations digitally through direct communication. Timeframes for delivery will be discussed and agreed upon at the time of engagement. We will always communicate promptly if any delays arise.

6. General Disclaimer
Plans and recommendations provided by Lumen Health NZ — including nutrition, training, supplement, budgeting, and lifestyle guidance — are not intended to diagnose, treat, cure, or prevent any medical condition, financial hardship, or other specific outcome. Always consult a qualified professional in the relevant field, particularly if you have existing health conditions, are taking medication, or are making significant financial decisions.

7. Refunds
Refunds are governed by our Refund Policy, which forms part of these Terms and Conditions. A 14-day money-back guarantee applies to all services. Please refer to the Refund Policy for full details.

8. Limitation of Liability
To the maximum extent permitted by New Zealand law, Lumen Health NZ's liability is limited to the amount paid for the specific service in question. We are not liable for indirect, consequential, or incidental losses arising from the use of our recommendations or sourced products.

9. Governing Law
These Terms and Conditions are governed by the laws of New Zealand. Any disputes will be subject to the jurisdiction of the New Zealand courts.

10. Changes to Terms
Lumen Health NZ reserves the right to update these Terms at any time. The most current version will always be available on our website. Continued engagement with our services following any update constitutes acceptance of the revised Terms.

Lumen Health NZ is a registered New Zealand business. Our NZBN 9429053428479, registration confirms our legitimacy as a business operating within New Zealand's regulatory framework. We operate transparently and in good faith on behalf of all clients.