Terms and Conditions
Effective Date: July 21, 2025
Website: https://luminating.co.uk
Parties
These terms are between you (“Customer”, “you”) and Luminating Payments, a trading name of Luminating Consultancy Ltd, a company registered in England and Wales (Company No. 16248953), with its registered office 41 Dark Lane, Cheltenham, GL51 9RN. *All information is held securely and we never give your details to 3rd parties. Our Service
Luminating Payments is a free, independent platform that helps UK businesses compare card machine providers, payment processors, and merchant service offers.
We do not provide financial or legal advice, nor are we a payment service provider. Instead, we present information from third-party providers to help you make informed decisions.
Accuracy of Information
We work hard to ensure all data on our website is accurate and up to date. However:
• We cannot guarantee completeness or real-time accuracy of all provider rates or features.
• Always verify directly with the provider before signing any agreement.
We reserve the right to update or change any content on this site at any time.
Commission Disclosure
Use of our comparison service is completely free for you.
• We may receive a commission or referral fee from providers if you choose to sign up through a link or quote we provide.
• This does not affect how we rank or display providers — we aim to remain impartial and transparent.
Customer Responsibilities
You agree to:
• Use the site lawfully and not for fraudulent or harmful purposes.
• Provide accurate and truthful information when submitting quote requests or contact forms.
• Not attempt to gain unauthorised access to the website or interfere with its operation.
Provider Relationships
Any contract or agreement you enter into is strictly between you and the provider.
Luminating Payments:
• Does not guarantee acceptance by any provider.
• Is not responsible for the services, pricing, terms, or performance of any provider.
• Is not liable for any loss, claim, or damage resulting from any transaction you undertake.
Intellectual Property
All content, graphics, branding, and design on Luminating.co.uk are owned by Luminating Consultancy Ltd or its licensors.
You may not:
• Copy, reproduce, or modify any content without permission.
• Use our name, logo, or trademarks without prior written consent.
Data Protection & Privacy
We respect your privacy and handle your personal data in accordance with UK data protection laws (including GDPR). For full details, please see our Privacy Policy at https://luminating.co.uk/privacy-policy/.
We only share your information with providers to deliver relevant quotes or comparisons.
Limitation of Liability
To the fullest extent permitted by law, Luminating Payments is not liable for:
• Loss of income, contracts, or business opportunities.
• Errors or omissions in content provided by third parties.
• Any technical issues, outages, or delays with the website.
• Any disputes or dealings between you and a provider.
External Links
This website may contain links to third-party websites or services. We do not control or endorse those sites, and we are not responsible for their content, terms, or privacy practices.
Termination
We may suspend or restrict your access to the website at any time without notice if we believe you are in breach of these Terms or acting unlawfully.
Governing Law
These Terms are governed by the laws of England and Wales. Any disputes will be handled by the courts of England and Wales.
Contact Information
If you have questions about these Terms, please contact us at:
📧 admin@luminating.co.uk
🌐 https://luminating.co.uk
