Our Terms & Conditions cover the following key aspects:

1. Acceptance of Terms

By accessing or using the website at www.lucentelm.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not access or use our Site.

These Terms apply to all visitors, clients, and others who access or use the Site. Your continued use of the Site constitutes your ongoing acceptance of any updates or modifications to these Terms.

2. About Lucent Elm Wealth Management, Inc.

Lucent Elm Wealth Management, Inc. is a financial services firm incorporated as an S-Corporation under the laws of the United States, with its principal place of business at:

Lucent Elm Wealth Management, Inc.

8939 S. Sepulveda Boulevard, Suite 304

Los Angeles, CA 90045

EIN: 87-4239431

We provide wealth management and financial advisory services to individuals and businesses. Our services are subject to all applicable federal and state laws and regulations governing financial advisors and investment advisors.

3. Use of the Website

You agree to use this Site only for lawful purposes and in a manner consistent with all applicable laws and regulations. You may not:

• Use the Site in any way that is fraudulent, harmful, deceptive, or misleading

• Attempt to gain unauthorized access to any part of the Site or its underlying systems

• Transmit unsolicited or unauthorized advertising, promotional material, or spam

• Reproduce, duplicate, copy, scrape, or exploit any part of the Site without prior written permission

• Use automated tools (bots, scrapers, crawlers) to harvest data from the Site

• Impersonate any person or entity or misrepresent your affiliation with any person or entity

• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site

4. Not a Solicitation or Investment Advice

The content on this Site is provided for general informational and marketing purposes only. Nothing on this Site constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities, investment products, or financial services.

Any financial, investment, or wealth management services offered by Lucent Elm Wealth Management, Inc. are provided under separate written agreements and are subject to applicable regulatory requirements. All investment decisions involve risk, including the possible loss of principal.

You should consult a qualified financial professional before making any investment or financial planning decisions.

5. SMS Communications

By providing your mobile phone number and opting in through our website or other channels, you consent to receive SMS text messages from Lucent Elm Wealth Management, Inc. for marketing purposes, including information about our services, market updates, and firm news.

• Message frequency may vary.

• Standard message and data rates may apply.

• Reply HELP for assistance or STOP to opt out at any time.

• Opting out will not affect your ability to receive other communications from us.

We do not share your SMS consent or mobile number with third parties or affiliates for marketing or promotional purposes. All SMS consent data is used solely for the intended communications described above. For full details, see our Privacy Policy.

6. Intellectual Property

All content on this Site — including text, graphics, logos, images, data, software, and the overall design — is the property of Lucent Elm Wealth Management, Inc. or its licensors and is protected by applicable intellectual property laws, including U.S. copyright and trademark law.

You may not use, reproduce, distribute, display, or create derivative works from any content on this Site without prior written consent from Lucent Elm Wealth Management, Inc.

7. Business Inquiries and Communications

Submitting a contact form, sending an email, or engaging in any other communication through this Site does not constitute a binding agreement or create a client-advisor relationship. All formal engagements and advisory arrangements are governed solely by separate written agreements executed by authorized representatives of both parties.

8. No Warranties

This Site is provided on an "as is" and "as available" basis. Lucent Elm Wealth Management, Inc. makes no representations or warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Lucent Elm Wealth Management, Inc. and its officers, directors, employees, agents, and representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — this Site or any content thereon, even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising out of or related to your use of this Site shall not exceed $100 USD.

10. Third-Party Links

This Site may contain links to third-party websites, including our LinkedIn company page at https://www.linkedin.com/company/lucent-elm-wealth. These links are provided for your convenience only. Lucent Elm Wealth Management, Inc. does not endorse, control, or assume responsibility for the content, practices, or privacy policies of any linked third-party sites. Accessing such sites is at your own risk.

11. Regulatory Compliance

Lucent Elm Wealth Management, Inc. operates in compliance with applicable U.S. federal and California state laws and regulations, including those governing investment advisors and financial services. Nothing in these Terms shall be construed to limit or waive any rights or obligations under applicable securities laws.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California.

13. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. Changes will be effective upon posting to the Site with a revised “Last Updated” date. Your continued use of the Site following any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

14. Contact Us

If you have any questions about these Terms of Service, please contact us:

Lucent Elm Wealth Management, Inc.

8939 S. Sepulveda Boulevard, Suite 304

Los Angeles, CA 90045

Phone: (310) 775-2529

Email: ryan@lucentelm.com

Website: www.lucentelm.com