Privacy Policy

1. Information We Collect

LumaFlow securely stores account and financial management information necessary to provide the application's features. This may include your email address, manually entered transactions, bills, income entries, budgets, savings goals, debt information, support requests, feedback, and financial transaction data that you voluntarily authorize through a secure third-party bank synchronization service.

Your online banking credentials are entered directly with the bank synchronization provider and are never collected or stored by LumaFlow.

2. How We Use Information

Your information is used to provide budgeting, forecasting, bill management, savings, debt tracking, cash-flow analysis, spending trends, recurring transaction detection, account support, security, and other financial management features within LumaFlow. Financial information obtained through an authorized bank synchronization service is used only to provide the features you choose to enable.

3. Bank Synchronization

Bank synchronization is optional. When you choose to connect a financial institution, you authorize LumaFlow and its secure third-party financial data connectivity provider to retrieve and process the account and transaction information you select. You may disconnect a connected financial institution through LumaFlow's Bank Sync settings.

4. Data Sharing

LumaFlow does not sell your personal or financial information. Information is shared only with trusted service providers when necessary to provide requested services, including bank synchronization, authentication, cloud hosting, communications, security, and application functionality. These providers process information on LumaFlow's behalf according to their contractual and legal obligations.

5. Data Security

LumaFlow uses secure cloud infrastructure, encrypted communications, authentication controls, access restrictions, and other reasonable administrative and technical safeguards to help protect your information. No electronic system can be guaranteed to be completely secure.

6. Data Retention and Account Deletion

LumaFlow retains information only for as long as reasonably necessary to provide its services, maintain security, comply with legal obligations, resolve disputes, and enforce agreements. You may delete your LumaFlow account through the application. Information associated with a deleted account is removed in accordance with LumaFlow's retention and disposal practices, except where limited retention is required for legal, security, fraud-prevention, or dispute-resolution purposes. Temporary backup copies may remain until normal backup rotation is completed.

7. Your Choices

You may choose whether to use bank synchronization, review imported transactions before adding them to your budget, disconnect financial institutions, update certain account information, or delete your account. Disconnecting a financial institution stops future synchronization but does not automatically remove transactions previously added to LumaFlow.

8. Children's Privacy

LumaFlow is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

9. Policy Updates

This Privacy Policy is reviewed periodically and may be updated as LumaFlow evolves, new features are introduced, security practices improve, or legal requirements change. The most current version will be available within the application and on this website.

10. Contact Us

Questions about this Privacy Policy may be sent to support@mylumaflow.com.