Privacy Policy

Last updated: January 1, 2026

1. Information We Collect

We take your privacy incredibly seriously. We collect the following types of information:

• Account Information: Name, email address, and secure hashed passwords.
• Financial Data: Transaction history, balances, and account metadata imported via secure read-only API connections. We NEVER store bank login credentials.
• Usage Data: How you interact with our AI insights and app interface to improve our predictive models.

2. How We Use Your Information

Your data is strictly used to provide and improve the Lumora Finance service. Specifically:

• To categorize your spending and generate personalized budgets.
• To train our AI models (data is anonymized and aggregated before training).
• To provide customer support and send account alerts.

We will never sell your personal financial data to third-party marketers or advertisers.

3. Data Security

We implement bank-level 256-bit AES encryption for all data at rest and TLS 1.2+ for all data in transit. Our infrastructure is hosted on SOC2 Type II compliant cloud providers.

4. Your Rights

You have the right to request access to your data, request corrections, or demand complete deletion of your account and associated data from our servers. To exercise these rights, please contact us via the Contact page.