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Services available on this Website may be offered and provided by different licensed entities within the Luminary group, depending on the services the Customer wishes to receive and the applicable regulatory requirements. Customers will access these services via this Website; however, the services will be provided exclusively by the relevant licensed entity as specified below. For the avoidance of doubt, Luminary is not a bank and does not currently conduct any activity requiring a banking licence. Luminary intends to apply for the relevant banking authorisations in the future, and until such time all regulated services will continue to be provided solely through the duly licensed entities listed herein.

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