Legal Privacy Policy

Effective Date: December 12, 2025

Lumi Money values transparency and trust. This Privacy Policy explains how we collect, use, and protect your information.

1. Information We Collect

We may collect:

• Account information (name, email)
• Financial data from connected accounts (balances, transactions)
  
• App usage data
  
• Device and technical data
  

2. User Responsibilities

We use your data to

• Provide personalized financial guidance
• Maintain and improve the Service
• Ensure security and prevent fraud
• Communicate with you
  

3. Data Sharing

We do not sell your personal data.

We may share data with:

• Trusted service providers (e.g., Plaid, infrastructure partners)
• Legal authorities when required by law
  

4. Data Security

We use industry-standard safeguards to protect your information. No system is 100% secure, but we take protection seriously.

5. Your Rights

You may:

• Access your data
  
• Request correction or deletion
• Disconnect linked accounts at any time
  

6. Children’s Privacy

Lumi Money is not intended for children under 18.

7. Changes to This Policy

We may update this policy from time to time. Continued use means acceptance of changes.

8. Contact

Privacy questions? Contact privacy@lumimoney.com