Terms & Conditions

1. Acceptance of Terms

By creating an account, accessing, or using LumaFlow, you agree to these Terms & Conditions and the LumaFlow Privacy Policy. If you do not agree, do not use the application.

2. Personal Financial Management Tool

LumaFlow is a personal budgeting and financial management application. It helps users organize and review financial information, but users remain responsible for reviewing the accuracy of their information and making their own financial decisions.

3. No Professional Advice

LumaFlow does not provide financial, investment, tax, accounting, credit, bankruptcy, or legal advice. Information and projections presented by the application are for personal planning and informational purposes only and should not replace advice from a qualified professional.

4. Bank Synchronization Services

Bank synchronization is optional and occurs only after you authorize a connection through a secure third-party financial data connectivity provider. By connecting a financial institution, you authorize LumaFlow to access and process the account and transaction information you choose to share for budgeting and financial management purposes.

LumaFlow does not collect or store your online banking username or password. Authentication with your financial institution is handled directly by the bank synchronization provider. You may disconnect a financial institution through the application's Bank Sync settings. Disconnecting stops future synchronization but does not automatically delete transactions previously added to LumaFlow.

5. Account Responsibility

You are responsible for maintaining the confidentiality and security of your LumaFlow account and for activity performed through your account. If you use bank synchronization, you are also responsible for maintaining the security of your financial institution credentials with your bank and the authorized bank synchronization provider.

6. Accuracy and Availability of Financial Data

Financial information may be delayed, incomplete, duplicated, categorized incorrectly, or otherwise affected by financial institutions, connectivity providers, network availability, or user input. You are responsible for reviewing imported and manually entered information before relying on it.

7. Beta, Preview, and Testing Access

Beta, preview, trial, or testing versions of LumaFlow may contain errors, interruptions, incomplete features, or changes. Features and availability may be modified during development and testing.

8. Application Availability

LumaFlow may occasionally be unavailable due to maintenance, updates, security events, third-party service interruptions, or circumstances outside LumaFlow's control. Continuous or error-free availability is not guaranteed.

9. Updates and Changes

LumaFlow may update the application, these Terms & Conditions, available features, subscription options, or supporting services. Continued use after updated terms become effective constitutes acceptance of the revised terms.

10. Account Suspension or Termination

LumaFlow may restrict or terminate access when reasonably necessary to protect users, maintain security, prevent misuse or fraud, comply with legal obligations, or enforce these terms. You may stop using LumaFlow and delete your account through the application.

11. Limitation of Responsibility

To the fullest extent permitted by applicable law, LumaFlow is not responsible for financial decisions, missed payments, overdrafts, losses, or other consequences resulting from inaccurate, delayed, unavailable, or misunderstood information within the application.

12. Contact Us

Questions about these Terms & Conditions may be sent to support@mylumaflow.com.