Legal Terms of Service

Effective Date: December 12, 2025

Welcome to Lumi Money, operated by Lumi Financial Solutions, LLC ("Lumi," "we," "us," or "our"). By accessing or using the Lumi Money website or application (the "Service"), you agree to be bound by these Terms of Service.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use Lumi Money.

2. Nature of the Service

Lumi Money provides financial guidance and decision-support tools designed to help users understand spending patterns and make informed financial decisions.

Lumi Money does not provide financial, legal, or investment advice. All guidance is informational and educational only.

3. User Responsibilities

You agree to:

• Provide accurate information
• Maintain the security of your account
• Use the Service only for lawful purposes
• You are responsible for all activity under your account.

4. Linked Financial Accounts

If you connect external financial accounts, you authorize Lumi Money to access and process that data solely to provide the Service. We do not move money or initiate transactions on your behalf.

5. Availability & Changes

We may modify, suspend, or discontinue any part of the Service at any time. We are not liable for any interruption or loss of access.

6. Intellectual Property

All content, trademarks, and software associated with Lumi Money are owned by Lumi Financial Solutions, LLC or its licensors.

7. Limitation of Liability

To the fullest extent permitted by law, Lumi Money shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service.

8. Termination

We may suspend or terminate your access if you violate these Terms.

9. Governing Law

These Terms are governed by the laws of the United States and the State of [Your State].

10. Contact

Questions about these terms? Contact legal@lumimoney.com.