Clarity for your money. Direction for your career. Happiness for your life. Lumora is your lifelong guide to a richer, more fulfilling life.
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1. Information We Collect
Lumora collects information you provide directly — including your name, email address, and financial profile data (assets, liabilities, retirement goals). We do not collect sensitive personal identifiers such as Social Security Numbers or bank account credentials.
2. How We Use Your Information
We use your data solely to provide personalised financial planning insights within the Lumora app. We do not sell, rent, or share your personal information with third parties for marketing purposes.
3. Data Storage & Security
Your data is stored securely using Google Firebase, which employs industry-standard encryption in transit and at rest. Access to your data is protected by Firebase Authentication.
4. Data Retention
Your data is retained as long as your account is active. You may delete your account and all associated data at any time from the Account Settings screen.
5. Third-Party Services
Lumora uses Google Firebase for authentication and data storage, and public exchange rate APIs for currency conversion. These services have their own privacy policies.
6. Your Rights
You have the right to access, correct, or delete your personal data at any time. Contact us at privacy@lumora.com for any data-related requests.
7. Contact
For privacy concerns, contact us at privacy@lumora.com or write to Lumora Financial Inc., New York, NY, USA.
1. Acceptance of Terms
By using Lumora, you agree to these Terms of Service. If you do not agree, please do not use the app.
2. Financial Disclaimer
Lumora provides financial planning tools and general information for educational purposes only. Nothing in this app constitutes personalised investment advice, legal advice, or tax advice. All projections and calculations are estimates based on the data you provide and assumed rates of return. Past performance is not indicative of future results. Consult a qualified financial advisor before making investment decisions.
3. Disclaimer
Lumora provides financial education and planning tools for informational purposes only. Nothing on this platform constitutes investment advice or a recommendation to buy or sell any security.
4. Accuracy of Information
You are responsible for the accuracy of the financial information you enter. Lumora's projections are only as accurate as the data provided.
5. Account Responsibility
You are responsible for maintaining the security of your account credentials. Notify us immediately at support@lumora.com if you suspect unauthorised access.
6. Limitation of Liability
Lumora is not liable for any financial losses arising from reliance on information provided by this app. Use of this app is at your own risk.
7. Changes to Terms
We may update these terms from time to time. Continued use of the app constitutes acceptance of updated terms.
8. Contact
For questions about these terms, contact legal@lumora.com.
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