Terms of Use

This website is provided for informational and business purposes.

The website may contain information regarding:

• Due diligence services
• Risk intelligence services
• Investigative research services
• Advisory services
• Company information
• Educational content
• Methodologies
• Publications
• Contact and inquiry information

Nothing on this website creates a contractual relationship unless expressly agreed in writing by both parties.

By using this website, you represent that:

• You are at least eighteen (18) years of age;
• You possess the legal authority to enter into binding agreements;
• Your use of the website complies with all applicable laws and regulations.

Information provided on this website is for general informational purposes only. Nothing on this website constitutes:

• Legal advice
• Financial advice
• Investment advice
• Tax advice
• Accounting advice
• Regulatory advice
• Professional consulting advice

Users should seek qualified professional guidance regarding specific matters.

Additional limitations and disclosures are contained within our Disclaimer.

Accessing this website, submitting a contact form, sending an inquiry, or communicating with the Company does not create:

• A client relationship
• A fiduciary relationship
• A professional services engagement
• An attorney-client relationship

Services are provided only pursuant to a written agreement executed between the client and Lumen Artists Group, LLC.

Unless otherwise indicated, all content appearing on this website is the property of Lumen Artists Group, LLC or its licensors. This includes:

• Text
• Graphics
• Logos
• Designs
• Layouts
• Methodologies
• Reports
• Research materials
• Publications
• Images
• Branding
• Trademarks
• Service marks

All rights are reserved. No content may be copied, reproduced, distributed, modified, displayed, transmitted, published, or otherwise used without prior written consent.

The Company grants visitors a limited, non-exclusive, revocable license to access and view website content for personal or internal business evaluation purposes.

This license does not permit:

• Commercial exploitation
• Republishing content
• Copying methodologies
• Creating derivative works
• Reverse engineering website functionality
• Automated scraping of website content

Users agree not to:

• Violate any applicable law
• Attempt unauthorized access to systems
• Interfere with website functionality
• Introduce malicious code
• Misrepresent their identity
• Use the website for fraudulent purposes
• Collect information about other users without authorization
• Copy or reproduce proprietary content without permission

We reserve the right to restrict or terminate access for violations of these Terms.

This website may reference or link to third-party websites, publications, records, or resources. The Company:

• Does not control third-party websites;
• Does not guarantee their accuracy;
• Does not endorse third-party content;
• Is not responsible for third-party privacy practices or security.

Users access third-party resources at their own risk.

We strive to maintain accurate and current information.

However, we make no representation or warranty regarding accuracy, completeness, reliability, timeliness, or availability. Information may change without notice. Users should independently verify information before relying upon it.

This website and all content are provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, Lumen Artists Group, LLC disclaims all warranties, whether express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy
• Reliability
• Availability

We do not warrant uninterrupted or error-free operation of the website.

To the fullest extent permitted by law, Lumen Artists Group, LLC, J. Reid Intelligence Group, its owners, officers, employees, contractors, affiliates, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from:

• Use of the website
• Reliance on website content
• Website interruptions
• Website errors
• Security incidents
• Third-party content
• Loss of data
• Loss of profits
• Business interruption

Users assume all risks associated with website use.

Users agree to defend, indemnify, and hold harmless Lumen Artists Group, LLC, J. Reid Intelligence Group, its owners, officers, employees, contractors, affiliates, and representatives from any claims, liabilities, losses, damages, costs, or expenses arising from:

• Violation of these Terms;
• Misuse of the website;
• Violation of applicable law;
• Infringement of third-party rights.

Use of this website is also governed by our Privacy Policy.

By using the website, you acknowledge that you have reviewed the Privacy Policy.

Our Disclaimer forms an integral part of these Terms and is incorporated by reference.

Users are encouraged to review the Disclaimer in full before relying on any information contained on this website.

We reserve the right to modify these Terms, website content, website functionality, and available services at any time and without prior notice.

Changes become effective upon posting.

Continued use of the website constitutes acceptance of revised Terms.

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict of law principles.

Any dispute arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Illinois.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.