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    <h2>Terms & Conditions</h2>
    <p><small>Last updated: December 2025</small></p>

    <p>By using this website and contacting Lu Elite Advisory, you agree to the following terms:</p>

    <h3>1. Confidential Communication</h3>
    <p>All communication is treated as strictly confidential and protected under Norwegian and international privacy standards.</p>

    <h3>2. No Attorney-Client Relationship</h3>
    <p>Contacting us does not create any client relationship until a formal agreement and NDA are signed.</p>

    <h3>3. Intellectual Property</h3>
    <p>All content on this website is property of Lu Elite Advisory and may not be reproduced without permission.</p>

    <h3>4. Governing Law</h3>
    <p>These terms are governed by the laws of Norway.</p>

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