Terms of Use

1. What the app offers

Lumii is a tool to organize your personal finances. It lets you record transactions, set budgets and goals, track your net worth and see statistics. Optionally, and with your authorization, it can read the notifications your banks send to your Gmail or Outlook in order to suggest transactions with the help of artificial intelligence. We may improve, change or remove features over time.

2. Who can use it

• You must be at least 18 years old.
• You can sign in with your Google account or with a code we email you. To have transactions recorded automatically you need a Gmail or Outlook account (Outlook.com, Hotmail or Live).
• The app is for personal use, not for managing the finances of other people or businesses.

3. Your account

You are responsible for what happens in your account and for keeping secure the email or Google account you sign in with. If you believe someone accessed it without your permission, let us know as soon as possible at mauricio@thelumii.app.

4. The Gmail or Outlook connection

If you connect Gmail or Outlook, you authorize Lumii to search, with read-only access, for emails from the bank sender addresses you add in Settings, once a day and whenever you tap "Sync now". You are responsible for adding only senders that notify you about your own accounts. You can change those senders or disconnect your email at any time. Details are in the Privacy Policy.

5. Artificial intelligence can make mistakes

The transactions the app extracts from your emails or from the account statements (PDF, CSV or screenshots) you upload, or from the messages, photos and voice notes you send it on WhatsApp, and the reports it generates, are produced with artificial intelligence and may contain errors: wrong amounts, categories, accounts or dates. That is why every imported transaction stays pending review until you confirm or correct it. You are responsible for reviewing the information before using it to make decisions.

6. Not financial advice

The app and its reports are informational tools. They are not financial, accounting, tax or legal advice and do not replace the opinion of a professional. Lumii is not a bank or financial institution and has no access to your bank accounts.

7. Plans and payments

Lumii has a Free plan, with no card required, and one paid plan, Lumii Plus, billed monthly or yearly. Each plan's limits and current prices are on our Pricing page. Lumii Plus limits are fair-use limits designed so that almost no one reaches them.

• Free plan. You can use Lumii for free, with no card and no time limit, within the Free plan's allowances. You only pay if you decide to subscribe to Lumii Plus. Anyone who started a Lumii Plus free trial before October 28, 2026 keeps it on the terms under which it was started.
• Invitations. On the Free plan, for each person who signs up with your invitation link and connects, for the first time, an email address (Gmail or Outlook) never used in Lumii before, you get 10 extra automatic transactions per month for 3 months from that connection, up to a total of 80 transactions per month. When an extra expires, you need to keep inviting to keep it. The invited account must be new (created within the last 7 days) and no one can invite themselves. We may cancel extras obtained with fake accounts or abusively, and may change or end the program with prior notice; extras already earned are honored until they expire.
• Automatic renewal. Your subscription renews automatically at the end of each period (month or year) and is charged to the same card until you cancel. For yearly plans we will notify you before the renewal.
• Cancel anytime. You can cancel at any time from Settings → Your plan → Manage subscription. You keep Lumii Plus until the end of the period you already paid for, and then your account moves to the Free plan without losing your data.
• Refunds. We do not refund amounts already paid for partially used periods, unless the consumer-protection law of your country requires otherwise. If you believe you were charged by mistake, write to us and we will look into it.
• Prices and taxes. Prices are in US dollars. If you pay in another currency, the amount is converted by the payment processor or your bank and may vary with the exchange rate. Taxes may apply depending on your country.
• Failed payments. If a charge fails, we will retry it for a few days and let you know. If it is not resolved, your account moves to the Free plan.
• Payment processor. Payments are processed by Stripe. Your card details are received and stored by Stripe directly; Lumii never sees or stores them.

If we change Lumii Plus prices or limits, we will notify you in advance and the change will apply from your next renewal. If you don't agree, you can cancel before then.

8. Acceptable use

When using the app you agree not to:

• Try to access other users' data or parts of the app you are not entitled to.
• Attack, overload or interfere with the app, or automate its use abusively.
• Use it for illegal activities or to record other people's information without their permission.
• Copy, resell or commercially exploit the app without our authorization.

We may suspend accounts that break these rules.

9. Your data is yours

Everything you enter in the app remains yours. You only give us the permission needed to store, process and show it to you while you use the app, as explained in the Privacy Policy. You can export your data from Settings and delete your account whenever you want.

10. Intellectual property

The Lumii name, logo, design and software belong to us or are used with permission. These terms do not give you any rights over them, except the right to use the app as described here. Gmail and Google are trademarks of Google LLC, and Outlook and Microsoft are trademarks of Microsoft Corporation; Lumii is not affiliated with Google, Microsoft or any bank.

The merchant names and logos you see in your transactions belong to their owners and are shown only to identify your transactions; Lumii has no relationship with those merchants. If you upload or paste an image as a merchant's logo, you confirm that you have the right to use it for your personal use; only you can see that image. If you own a brand or an image and want us to remove it, write to us at mauricio@thelumii.app.

11. Availability

We do our best to keep the app running at all times, but it is provided "as is" and may have interruptions, errors or changes, especially while it is in beta. We recommend exporting your data regularly.

12. Limitation of liability

To the extent permitted by applicable law, we are not liable for financial decisions you make based on the information in the app, or for indirect losses arising from its use or unavailability. Nothing in these terms limits the non-waivable rights granted to you by the consumer protection law of your country.

13. Termination

You can stop using the app and delete your account at any time. We may suspend or close your account if you break these terms. If we decide to shut down the app, we will give you at least 30 days' notice so you can export your data.

14. Changes to these terms

If we change these terms we will notify you in the app and update the date above. If you keep using the app after the change, you are deemed to accept it.

15. Governing law

These terms are governed by the laws of the State of Florida, United States. Any dispute will be submitted to the courts of Broward County, Florida, without prejudice to the non-waivable rights you have as a consumer in your country. In case of any discrepancy between the Spanish and English versions, the Spanish version prevails.

16. Contact

For any question about these terms, email us at mauricio@thelumii.app.