Terms of Service

What Lumio is

Lumio is a tool for recording and understanding your own spending. It doesn't hold money, make payments, or connect to your bank. Figures you see are based only on what you enter.

Not financial advice

Insights, scores and daily spending suggestions are estimates to help you think about your money. They aren't financial, tax or legal advice.

Your account

• Keep your password safe and tell us if you think someone else has used your account.
• Only enter information you have the right to use, and don't use Lumio for anything unlawful.
• You own the data you put in Lumio. You give us permission to store and process it only to run the service for you.

The service

We work to keep Lumio available and your data safe, but the service is provided “as is”, and features may change while it's in early access. Export your data if you want your own copy. To the extent the law allows, we aren't liable for indirect losses arising from using Lumio.

Ending your account

You can stop using Lumio at any time; to delete your account, contact us through the Help Center in the app. We may suspend accounts that misuse the service.

Changes and contact

We'll update the date above when these terms change. Questions? contact us through the Help Center in the app.