1. General Terms

LUXEN & WEALTH – FZCO, IFZA Business Park, DDP, PO Box 342001, Dubai, United Arab Emirates, (hereinafter referred to as the “Provider”) is the owner and operator of the website www.luxen-wealth.ae, all related online activities, web portals, digital services, and applications, hereinafter collectively referred to as the “Website.”

As part of its business activities, Luxen & Wealth – FZCO also provides the following services:

• Provision of individual independent consultations, which may be conducted independently or as part of other services;
• Creation, preparation, and marketing of online educational programs and modules (e-learning) in the field of financial independence and human potential development;
• Implementation of a partnership program; and
• Sale of books and printed materials;

hereinafter collectively referred to as the “Services.”

The Provider has adopted these General Terms and Conditions of Use for the website www.luxen-wealth.ae (hereinafter: the “General Terms”), which are publicly published on the website www.luxen-wealth.ae and define the terms of use of the website and the Provider’s services.

The General Terms apply to and are binding on all (registered) users and (unregistered) visitors (hereinafter: “Users”) of the website www.luxen-wealth.ae.

Accessing the website www.luxen-wealth.ae means that the User agrees to the restrictions and conditions set out in these General Terms and has been clearly and comprehensively informed beforehand about the data controller, cookies, and the purpose of processing personal data collected by the Provider.

If you do not agree with these terms and conditions, the Provider advises against using the website, participating in online activities, or using the Provider’s services and recommends that you refrain from using the website and/or the services.

The Provider reserves the right to protect the website, services, and users by blocking or otherwise preventing any communication with the website and any user communication that violates the rights of others (e.g., copyright). The Provider may block or terminate service use for any violator by technological or other means. Such violators are not entitled to any financial or other compensation.

The Provider reserves the right to change, update, and/or delete the content of the website, services, and web applications at any time, in any way, and without reason or prior notice. The Provider is not obliged to notify users of such changes but will notify them of changes that it considers could significantly affect users. The Provider does not accept responsibility for any consequences of such changes.

2. About the Website

The Provider undertakes to act in good faith and within its capabilities to ensure the accuracy and timeliness of the content published on the website. However, this does not exclude the possibility of linguistic, technical, or content-related errors appearing in the published materials. The information provided through the website www.luxen-wealth.ae and in connection with the Services is for informational purposes only. The Provider does not accept any responsibility for anyone relying on this information and is not liable for any damages, lost profits, or non-material damages that may occur to any individual due to or in connection with the use of the website, the Services, or their content, or due to the inability to use the website or Services. All content on the website is educational in nature and under no circumstances constitutes financial or investment advice.

Users use the website and Services at their own risk. The Provider is not liable for any damages arising from the existence, access, use, and/or inability to use the website and/or Services and/or content and/or information or related thereto. The Provider does not guarantee uninterrupted operation of the website and Services and bears no responsibility for any consequences of their malfunction.

Furthermore, the Provider is not responsible for the form and content of data obtained via links that are not owned by the Provider, nor for privacy compliance on those linked sites. The User understands and agrees that the Provider’s website and other Services may contain links to websites owned and operated by third parties, which use different terms and conditions and privacy policies than the Provider. Prior to using third-party websites, the User should review their terms and privacy policies. Despite the presence of such links or references to third-party websites on the Provider’s website or within Services, the Provider accepts no responsibility for third-party websites (including but not limited to their legality, content, and quality).

3. User Registration (User Account)

To access certain content and services on the website www.luxen-wealth.ae, the user must register and create a user account.

The user must be at least eighteen (18) years old to register.

For a successful initial registration on the website, the user must enter the following information in the registration form:

• Personal data: email address and password;
• Check the box confirming acceptance of these General Terms and Conditions; and
• If the user wishes to receive promotional materials, check the box consenting to the Provider processing the user’s personal data entered during registration for the purpose of promotional advertising.

In case of any changes to the user’s personal data, the user is obliged to immediately update their information in their user profile.

The Provider reserves the right to reject registration, limit the use, or terminate user accounts and take other effective measures if the user violates the General Terms and Conditions or in any other way causes slowdowns or disruptions to the functioning of the website.

The Provider reserves the right to remove and delete unconfirmed user accounts or accounts deemed inactive for an extended period at the Provider’s discretion.

The user is solely responsible for the confidentiality and secure storage of any username or password used to access their account and agrees to immediately notify the Provider by email at www.luxen-wealth.ae if they suspect their account security has been compromised. The user must change their password accordingly. The Provider reserves the right to require the user to change their password. If the user does not change the password within three (3) days after receiving a notification, the Provider has the right to block the user account until the password is changed.

For justified reasons (e.g., abuse, technical issues), the Provider reserves the right to refuse registration and is not obligated to complete the registration process under such circumstances.

Data of recipients who request deletion in writing (via email) will be deleted in accordance with the rules of our Privacy Policy. Data of recipients who neither unsubscribe nor engage with our newsletters (e.g., opening emails or clicking links) will be deleted within 12 months of the last interaction.

4. Cookie Policy

The Provider uses cookies to effectively manage the website. Cookies are small files that are stored in your browser when you first visit our website so that we can recognize you when you return and provide you with a better user experience.

You can review the Provider’s Cookie Policy here.

5. Privacy Policy

At Luxen & Wealth – FZCO, we recognize the importance of the right to privacy. We handle data carefully and responsibly, and in processing personal data, we comply with this Privacy Policy and applicable data protection regulations.

You can review the Privacy Policy here.

6. Sweepstakes / Contests

The Provider may organize sweepstakes from time to time. Participation is open to any adult natural person residing permanently in the Republic of Slovenia who accepts the general terms and conditions of participation in the sweepstakes.

Each person may be drawn as a winner only once in a particular sweepstake. A winner is not entitled to receive any other prize awarded by the Provider for six months following the announcement of winners for the sweepstake in which they won. If a winner participates in a current sweepstake and is drawn again within six months from the previous sweepstake’s winner announcement, the Provider will redraw the winner and award the prize to the next drawn participant. The originally drawn winner waives any claims against the Provider in this respect.

Prizes are taxed in accordance with the applicable Income Tax Act. The Provider will calculate and remit the tax advance payment. Winners of prizes exceeding the value of EUR 42 must provide their tax number and birth data to the Provider before receiving the prize, in accordance with the Income Tax Act. Employees are not eligible to participate in sweepstakes.

Prizes are non-exchangeable, non-redeemable for cash or any other equivalent, and non-transferable to third parties.

The general terms of participation for each sweepstake will be published on the Provider’s website for the duration of the sweepstake. If any provisions of the sweepstake’s specific terms differ from these general terms and conditions, the specific sweepstake terms shall prevail.

7. Copyrights

In accordance with the law governing copyright and related rights and the law governing intellectual property, copyright works are protected from the moment of their creation and do not need to be specially marked or protected.

The Provider holds all moral and material copyrights in the broadest sense (contents, texts, photographs, graphic elements, illustrations or other text presentations, videos, music, etc.) published on the website, in the online store, or used in the services, or holds a license for their use.

Regardless of the above, the copyright holder of the content on these platforms may also be a third party (e.g., contractual partner or collaborator), in which case such content is properly marked with the source and author.

Users can under no circumstances acquire any copyrights on the educational programs or modules available on the Provider’s website, where copyrights belong to the Provider or third parties.

The holders of trademarks and signs appearing on the website, online store, and services are either the Provider or third parties. Any unauthorized use of such trademarks and signs without prior written consent from the rights holder is explicitly prohibited. All signs, including those not registered as trademarks, are protected under copyright rules.

Content published by the Provider is allowed to be viewed only. , Luxen & Wealth – FZCO explicitly prohibits any unauthorized reproduction, distribution, modification, public display, playback, or other forms of use of any copyrighted work published on the website, online store, or used in the services, as well as the use of data or content for purposes other than those expressly permitted by these General Terms and Conditions. Should the User violate this prohibition, the Provider reserves the right to initiate any and all proceedings to protect its own interests and those of its partners and to prevent the User from further use of the website and services.

Users who obtain the Provider’s consent to use individual copyrighted content published by the Provider must retain all copyright and industrial property rights notices and other markings and warnings with which the Provider has equipped the content.

The User undertakes that when citing and/or referring to content or data obtained from the website or in connection with the Provider’s services, they will create a link to the website www.luxen-wealth.ae. However, the content of the website and services, and links thereto, may not be published on websites with unlawful or immoral content. The User and/or owner and/or operator of the website where the link is published is obliged to remove it upon the request of , Luxen & Wealth – FZCO.

8. Liability

The website is accessible to users every day, 24 hours a day. Due to various technical reasons, access to the store may sometimes be unavailable, and therefore the Provider reserves the right to limit or suspend access to the website for a definite or indefinite period of time.

The Provider assumes no liability for website malfunction due to user ignorance, any consequences of misuse of the website, service interruptions caused by network outages, power failures, or other technical disturbances that may temporarily or even for an extended period disrupt use. If the User does not use the latest versions of browsers, the Provider is not responsible for incorrect functioning or display of the website, the online store, or their content.

The Provider strives to ensure the timeliness and accuracy of the data published on the website. However, it is possible that information or services change so quickly that it is not possible to update data on the Provider’s website in time. In such cases, the Provider will endeavor to update the information on the website as soon as possible.

The Provider makes efforts to ensure the correctness of data, images, and textual material on the Provider’s website. For more detailed information, you may contact us at any time via email at matjaz@luxen-wealth.ae or by phone at +971 58 117 07 88 during our working hours, published on the last page of these General Terms and Conditions.

The Provider does not guarantee that the website, online store, and services will always be available and/or that the use of the website and online store will be safe and uninterrupted. The Provider is also not responsible for network and telephone connections, including coverage area or connection interruptions, nor for any damage caused by the use of the website, such as data loss, loss of programs, connection costs, or any similar damage. The Provider’s liability is limited to intent and gross negligence, and the extent of any potential compensation is limited to foreseeable typical damage, except in cases of claims due to damage to life, body, or health and claims under product liability.

A User who causes damage to the Provider or third parties while using the website, online store, or Provider’s services is obliged to compensate such damage under the general rules of liability for damages.

9. Security and Third Parties

The Provider has implemented technology and rules to protect users’ privacy from unauthorized access and improper use. The Provider will update these measures in line with technological developments.

10. Advice to Users

Users are advised to use the website in accordance with these General Terms and Conditions and the Provider’s instructions. Users should be aware that despite care and service monitoring, misuse of the website by third parties is possible, for which the Provider is not responsible.

11. Amendments and Breach of Terms

These terms are prepared based on the applicable legislation in force.

The Provider may update these terms from time to time in accordance with changes in services and activities and based on user feedback. When this happens, the Provider will also update the date of the last revision at the end of the terms. The Provider reserves the right to change the General Terms and Conditions at any time without prior notice, with changes taking effect upon publication.

If the Provider makes significant changes to the way personal data are used or processed, users will be notified in a visible manner or by direct communication before implementing such changes, and their consent may be requested if necessary.

The Provider recommends that users regularly review these General Terms and Conditions to stay informed about the current terms of use and how their privacy is protected. The Provider reserves the right to block access to content or the website for users who violate or act contrary to the Terms and Conditions. If a user’s conduct causes any damage to the Provider, the user is fully liable morally, materially, and criminally.

Any suspected breaches by other users of the website and services can be reported to us by email at matjaz@luxen-wealth.ae or by mail at:Luxen & Wealth – FZCO, IFZA Business Park, DDP, PO Box 342001, Dubai, United Arab Emirates.

12. Customer Support and Contact with the Provider

If you have any questions regarding these General Terms and Conditions, the Cookie Policy, the Privacy Policy, orders, payments and payment terms, complaints, or any other issues related to the website and the Provider’s services, including any compliments, comments, or complaints, we are available at:

• Email: matjaz@luxen-wealth.ae
• Postal address:  Luxen & Wealth – FZCO, IFZA Business Park, DDP, PO Box 342001, Dubai, United Arab Emirates.
• Phone number: +971 58 117 07 88 (Monday to Friday, 8:00 AM to 2:00 PM)

13. Dispute Resolution and Applicable Law

The Provider and the user shall endeavor to resolve any disputes amicably.
If an amicable solution is not possible, any dispute, controversy or claim arising out of or in connection with these Terms shall be governed by the laws of the United Arab Emirates.
The courts of Dubai shall have exclusive jurisdiction to settle any such dispute.

These terms apply from the date of acceptance until cancellation or possible amendment.

These Terms and Conditions were last updated on August  16, 2025.

Luxen & Wealth – FZCO