Terms of use

These terms are an agreement between you and Syntax Lab Technology ("we"), the developer of Lumo. They cover the Lumo app and lumocash.com. By creating an account you accept them. If you do not, please do not use Lumo.

What Lumo is

Lumo is a budgeting app. You enter your income, spending, savings and loans, and Lumo works out how much you can spend today and how the rest of your cycle looks.

Lumo is a record-keeping tool. It is not a bank, does not hold or move money, and does not connect to your bank accounts. Loans in Lumo is a personal log of money you lent or borrowed. Lumo does not lend money or arrange loans.

Not financial advice

Every number in Lumo comes from what you enter and from simple arithmetic. If an entry is wrong or missing, the numbers will be wrong too. Lumo does not give investment, tax, credit, legal or lending advice. Decisions about your money are yours. Check anything important before you act on it.

Who can use Lumo

You must be 18 or older and able to agree to these terms where you live. You need a Google account to sign in. Give accurate information and keep your Google account secure, because anyone with access to it may be able to reach your Lumo account.

One phone at a time

Your account works on one phone at a time. This is a security feature, not a limit we will lift on request.

• To move to a new phone, approve it from your current phone, enter a recovery code, or reset by email. An email reset takes effect 24 hours after you confirm the code, and your current phone can cancel it during that time.
• Recovery codes are shown once when you make them. We keep only a hash, so we cannot show them to you again. Store them somewhere safe. You can make a new set from Settings, which cancels the old one.
• Do not try to get around the one-phone rule.

If you lose your phone, your recovery codes and access to your email at the same time, we may not be able to get you back in.

Your data

What you enter in Lumo belongs to you. You give us permission to store, process and show it only so we can run Lumo for you, as the Privacy policy describes. That permission ends when you delete the data or your account, except for what the Privacy policy says we keep.

Only enter information you have the right to use. If you record a loan with someone else's name or contact detail, you are responsible for having a good reason to keep it.

You can export your entries at any time as CSV or PDF. A JSON export of All time is a full backup with loans, income and savings. Keep your own copy of anything you cannot afford to lose.

Catch payments

Catch payments is an optional Android feature. It reads payment alerts from the apps you pick and offers them as entries, or, if you choose Add on its own, adds purchases at places you added before. You agree to its terms in the app before it starts, and again when they change.

It reads wording that banks and wallets change without notice. It can miss a payment, read one wrong, or catch one that did not go through. You are responsible for checking what it adds, and you can change or undo any of it. Lumo is not a record of your bank account.

Only turn it on for your own phone and your own payment apps. Caught payments count toward your plan's monthly limit for Catch payments, shown in Plan and usage. When the limit is reached, Lumo keeps noticing payments but stops adding them until the next month. The Privacy policy explains what it reads and keeps. You can turn it off at any time.

Receipt scanning

Receipt scanning reads a photo with an AI service and fills in an entry for you. It can get things wrong. Check the result before you save it. The Privacy policy explains where the photo goes.

Plans and limits

Lumo has three plans: Free, Pro and Ultra. Each plan sets limits. Some count per month, such as entries or receipt scans. Others cap what you keep at once, such as open loans or income streams. Some features, such as Insights, may not be part of Free. Settings, then Plan and usage, shows your plan, what you have used and when each monthly count resets.

Monthly counts reset at the start of each calendar month in your time zone.

When you reach a limit, Lumo stops that one action and tells you which limit it was. Nothing you already entered is deleted. You can go on after the monthly reset, or, for things you keep at once, after you close or remove one.

We may change the limits and what each plan includes. We will tell you in the app first.

New accounts may get a free trial of Pro for a few days. We may also give an account a plan or higher limits, with or without an end date. When that ends, the account goes back to its own plan's limits. While Lumo is in beta, we may unlock every feature for everyone. We still count use while that is on.

Prices

Lumo is free to download and use. Nothing in the app costs money today. Pro and Ultra are not on sale, and we do not take payment details.

If we start charging, we will sell plans through Google Play and the App Store, under their payment and refund rules, and we will update these terms before any charge applies. Features that are free today may become part of a paid plan, and limits may change. We will tell you in the app first.

Acceptable use

Use Lumo for your own personal finances. Do not:

• break the law with it or store unlawful content in it
• try to get into another person's account, or bypass device approval, rate limits or plan limits
• reverse engineer, scrape or overload the app or its servers, or access them with automated tools
• upload malware or anything meant to harm Lumo or other people

Our app

The Lumo app, its design, name and logo belong to Syntax Lab Technology. We give you a personal, non-transferable licence to use the app while these terms apply. You may not resell it or build on it.

If you send us feedback or ideas, we may use them without owing you anything.

Changes to Lumo

We keep improving Lumo, which means features change, and some may be removed. We may also stop offering Lumo. If we do, we will give you at least 30 days' notice and a way to export your data.

Suspension and deactivation

We may suspend an account that is used for fraud, abuse or anything illegal, that attacks Lumo or other people, or that breaks these terms in another serious way. We may also deactivate an account for a while, for example while we look into a problem.

A suspended account is signed out of every phone. A deactivated account stays signed in. Either way you cannot use the app with it and Lumo sends it no notifications. The app shows the reason we recorded, as fully as we can share it.

We keep your data while the account is suspended or deactivated. You can still ask us to delete it, or the whole account, by email. See Delete your account.

If you think we got it wrong, tap Contact support on that screen or email us from the address you sign in with. We will look at it again and reply. If we were wrong, we turn the account back on.

Ending your account

You can stop using Lumo and delete your account at any time. See Delete your account.

We may also delete an account that breaks these terms in a serious way. Where we can, we will tell you why and give you a chance to export your data first.

Disclaimer

We work hard to make Lumo accurate and reliable, but we provide it "as is" and "as available". We do not promise that it will always work, be free of errors, or that its numbers will be right for your situation.

Limit of liability

To the extent the law allows, we are not liable for indirect or consequential losses, such as lost profits or lost data, from using Lumo or being unable to use it. Our total liability for any claim is limited to the greater of what you paid us in the 12 months before the claim and USD 50.

Nothing in these terms limits liability that the law does not allow us to limit, such as for fraud, or for death or personal injury caused by negligence. If you are a consumer, you keep the rights that consumer law in your country gives you.

Governing law

These terms are governed by the laws of the country where Syntax Lab Technology is established. That choice never takes away rights the law of your own country gives you and that cannot be waived.

• Asia. If you live in Malaysia, Pakistan or another country in Asia, your local consumer protection law still applies, and you can bring a claim in your local courts where that law allows it.
• EU and UK. If you are a consumer in the EU or the UK, you keep the protections of the country you live in and can bring a claim in your local courts. You can also use your country's consumer dispute services.
• United States. If you live in the US, the consumer protection laws of your state still apply, and you can bring a claim in the courts where you live.

Before going to court, please email us first. Most problems are solved faster that way.

iPhone

If you use Lumo on iPhone, Apple's Standard End User License Agreement also applies. Apple is not responsible for Lumo or for supporting it.

Changes to these terms

If we change these terms in a way that matters, we will tell you in the app or by email at least 30 days before the change takes effect. If you do not agree, you can export your data and delete your account before then.

General

If a court finds part of these terms unenforceable, the rest still applies. If we do not enforce a term straight away, we can still enforce it later. These terms and the Privacy policy are the whole agreement between you and us about Lumo.

Contact

Syntax Lab Technology, 99marafay@gmail.com.