Terms & Conditions

1. Acceptance of Terms

By accessing this website and purchasing any product or service from Luminary Academy, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree with any provision of these terms, you are not authorized to use this website or purchase our products.

2. Our Products & Services

Luminary Academy offers digital products and educational content, including guides, templates, eBooks (PDF), and video materials. All products are delivered in digital format only. Key points about our offerings:

• 2.1 Digital Delivery Only

  All products are delivered electronically via email, WhatsApp, or direct download. No physical products or shipments are involved.

• 2.2 Immediate Access

  Once payment is confirmed, you will receive access to your purchased product within 24 hours.

• 2.3 Product Updates

  We reserve the right to update, modify, or enhance product content at any time. Updates will be made available to existing customers at no additional cost.

• 2.4 Product Accuracy

  We strive to ensure all product descriptions are accurate. However, we do not guarantee that all features, content, or materials will be error-free.

3. Payment & Pricing

Please review the following payment and pricing terms before making a purchase:

• 3.1 Pricing

  All prices are displayed in Bangladeshi Taka (BDT) and include all applicable taxes unless otherwise stated. Prices are subject to change at any time, but changes will not apply to orders already placed.

• 3.2 Payment Methods

  We accept payments through bKash, Nagad, SSL Commerz, and other payment partners. Payment must be completed to confirm your order.

• 3.3 Order Confirmation

  An order is only confirmed once payment is successfully processed. You will receive a confirmation email or message with your product access details.

• 3.4 Failed Transactions

  If a payment transaction fails, your order will not be processed. Please retry the payment or contact our support team for assistance.

4. License & Usage Rights

When you purchase a product, you receive a personal, non-exclusive, and non-transferable license to use the content for your own personal use only. You are strictly prohibited from:

• Sharing, selling, reselling, renting, or redistributing the product to any third party
• Copying, reproducing, or publishing the content without our written permission
• Creating derivative works or competitive products based on our materials
• Using the product for commercial purposes or profit
• Reverse-engineering, decompiling, or attempting to extract the source code
• Distributing the product on file-sharing platforms or unauthorized channels
• Removing or altering copyright notices, watermarks, or proprietary markings

5. Intellectual Property Rights

All content on the Luminary Academy website and in our products — including but not limited to text, graphics, logos, images, audio, videos, and software — is the exclusive intellectual property of Luminary Academy or our content partners. These materials are protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or transmit any content without our prior written permission, except for personal use and fair use purposes with proper attribution.

6. Disclaimer of Warranties

Our products and services are provided on an “as-is” and “as available” basis. To the fullest extent permitted by law:

• We make no warranties, expressed or implied, regarding the merchantability, fitness for a particular purpose, or non-infringement of third-party rights
• We do not guarantee that products will meet your expectations or produce any specific results
• We do not guarantee uninterrupted, error-free, or secure access to our website or products
• The advice, strategies, and techniques provided in our products are based on research and experience, but individual results may vary
• We are not responsible for any losses, damages, or negative outcomes resulting from the use of our products

7. Limitation of Liability

To the fullest extent permitted by law, Luminary Academy shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the website, products, or services — even if we have been advised of the possibility of such damages. Our total liability for any claim arising from these terms shall not exceed the amount you paid for the product in question.

8. Refund Policy

Please refer to our detailed Refund Policy for information about eligibility, request procedures, and timelines. In summary:

• Refund requests must be submitted within 48 hours of product delivery
• Refunds are only issued for specific technical issues or delivery failures
• No refunds for change of mind or dissatisfaction after accessing the product
• All refunds are processed back to the original payment method

9. User Conduct

When using our website and services, you agree not to engage in any of the following:

• Harassing, threatening, or abusing other users or our staff
• Posting illegal, offensive, or defamatory content
• Attempting to gain unauthorized access to our systems or other users' accounts
• Interfering with the normal operation of the website or services
• Collecting or storing personal information about other users without consent
• Violating any applicable laws or regulations

10. Modifications to Terms

Luminary Academy reserves the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to the website. The date of the most recent update will be shown at the top of this page. Your continued use of the website and services following any modifications constitutes your acceptance of the revised terms. We encourage you to review these terms periodically to stay informed of any changes.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of Bangladesh, without regard to its conflict of law provisions. Any legal action or proceeding arising from these terms shall be exclusively brought in the competent courts of Bangladesh.

12. Contact Us

If you have any questions about these Terms & Conditions, please contact us at: