Last Updated: March 20, 2026
Welcome to Lumos Real Estate Investments, LLC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing our website or engaging with our services, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.
1. Acceptance of Terms
By using our website, submitting a contact form, applying for financing, or otherwise interacting with Lumos Real Estate Investments, LLC ("Lumos," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
2. Use of Website
Permitted Use
You may use our website for lawful purposes related to learning about our services, submitting inquiries, and applying for financing. You agree not to:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to our systems or networks
- Upload or transmit viruses, malware, or other harmful code
- Engage in automated data collection or scraping without our written permission
- Impersonate any person or entity or misrepresent your affiliation
- Interfere with the proper functioning of the website
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Lumos Real Estate Investments, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
3. Financing and Lending Services
No Guarantee of Approval
Submission of a loan application or financing request does not guarantee approval. All financing is subject to underwriting, creditworthiness evaluation, property appraisal, and satisfaction of our lending criteria. We reserve the right to approve, deny, or modify any financing request at our sole discretion.
Information Accuracy
You represent and warrant that all information you provide to us—whether in applications, forms, communications, or supporting documents—is accurate, complete, and not misleading. Providing false or misleading information may result in denial of your application and potential legal consequences.
No Financial Advice
Information on our website is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making any financial or investment decisions.
4. SMS Terms & Conditions
Text Messaging Program Terms
By providing your mobile phone number and expressly opting in via our contact form, you consent to receive recurring marketing and promotional SMS/MMS messages from Lumos Real Estate Investments, LLC. These messages may include offers, updates, and information about our financial products and services and may be sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual frequency depends on your interaction with our services and current promotions.
Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan. Standard messaging rates from your carrier will apply to each message sent or received. Please consult your wireless carrier for pricing details.
Opt-Out / Unsubscribe: You may opt out of receiving text messages at any time by replying STOP to any message from us. You will receive a final confirmation message, and no further messages will be sent unless you re-subscribe. Opting out of text messages does not affect other forms of communication.
Help / Support: For assistance or questions about our text messaging program, reply HELP to any message or email us at james@lumosrealestateinvestments.com.
Consent Not a Condition of Purchase: Consent is NOT a condition of purchase or use of our services. You may receive information about our services through other channels such as email, regular mail, or phone.
Supported Carriers: Participating carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, Boost Mobile, MetroPCS, U.S. Cellular, and other major U.S. wireless carriers. Message delivery is subject to carrier availability and coverage. Lumos is not responsible for delayed or undelivered messages.
Privacy: Your mobile phone number and text message data will be used in accordance with our Privacy Policy. We will not share your mobile opt-in information with third parties for their marketing purposes.
5. Privacy and Data Protection
Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.
6. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Your use of third-party sites is at your own risk, and you should review their terms and policies before engaging with them.
7. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
- The website will be uninterrupted, secure, or error-free
- Any defects or errors will be corrected
- The website or servers are free from viruses or harmful components
- Information on the website is accurate, complete, or current
8. Limitation of Liability
To the fullest extent permitted by law, Lumos Real Estate Investments, LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services, even if we have been advised of the possibility of such damages.
In no event shall our total liability exceed the amount you paid to us, if any, in the six months preceding the event giving rise to the claim.
9. Indemnification
You agree to indemnify, defend, and hold harmless Lumos Real Estate Investments, LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any third-party rights
- Any false or misleading information you provide
10. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website with an updated "Last Updated" date. Your continued use of the website after changes are posted constitutes your acceptance of the modified Terms.
11. Governing Law and Dispute Resolution
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.
Dispute Resolution
Any disputes arising from or relating to these Terms or your use of our services shall be resolved through binding arbitration in Jacksonville, Florida, in accordance with the rules of the American Arbitration Association. You waive any right to a jury trial or to participate in a class action lawsuit.
12. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
13. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lumos Real Estate Investments, LLC regarding your use of our website and services, and supersede all prior or contemporaneous communications and proposals.
14. Contact Information
If you have questions or concerns about these Terms, please contact us:
Lumos Real Estate Investments, LLC
4243 Irvington Ave
Jacksonville, FL 32210
Email: james@lumosrealestateinvestments.com
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.