Terms of Service

Last updated: January 1, 2026

1. Acceptance of Terms

By accessing and using Lumora Finance (operated by tillyjoypebbl.guru), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this service.

2. Educational and Informational Purposes Only

The AI-generated insights, budget forecasts, and saving recommendations provided by Lumora Finance are for informational purposes only. We are not a licensed financial advisor, broker, or tax consultant. You should consult a certified professional before making significant financial decisions.

3. Bank Connectivity via Third Parties

Lumora Finance uses third-party aggregators (such as Plaid) to connect to your financial institutions. By connecting your bank accounts, you acknowledge and agree to the terms and conditions of those third-party providers. Lumora only receives read-only access to your transaction data.

4. User Accounts and Security

• You are responsible for safeguarding the password that you use to access the Service.
• You agree not to disclose your password to any third party.
• You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

5. Limitation of Liability

In no event shall Lumora Finance, tillyjoypebbl.guru, or its suppliers be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.