Privacy Policy
This policy is written for the first public release of LumaV. Update it if future releases add cloud sync, bank aggregation partners, analytics, advertising, subscriptions, or new third-party services.
1. Overview
LumaV is a personal finance and financial independence planning app. The app helps users track assets, holdings, bank and credit card balances, ledger entries, FIRE projections, scenario planning, watchlists, referrals, and support requests.
2. Information You Provide
You may provide basic registration information such as name, email address, phone number, month and year of birth, preferred currency, and tax or country settings. You may also enter financial planning information such as transactions, balances, holdings, real estate details, debt information, watchlists, scenario assumptions, and notes.
3. Financial Data
LumaV uses the financial data you enter to calculate net assets, FIRE number, FIRE gap, readiness metrics, savings rate, debt-to-income ratio, projections, and scenario planning results. LumaV does not provide investment, tax, legal, or retirement advice.
4. Face ID and Device Security
If you enable Face ID or device biometric login, LumaV uses Apple’s LocalAuthentication framework. LumaV does not receive or store your face data or biometric templates.
5. Market Data and News
LumaV may request market prices, exchange rates, ticker details, and financial news from third-party providers. These requests may include ticker symbols, currency pairs, asset categories, or location-based real estate search terms. Third-party providers process those requests under their own privacy policies.
6. Scenario Sharing
If you share a scenario, LumaV may create a share token or link containing the scenario inputs, assumptions, and calculated results needed for another logged-in user to view or copy that scenario. Shared scenarios should not expose unrelated private account data, full financial profiles, email addresses, authentication identifiers, or raw account records.
7. Referrals and Support
If you use Refer a Friend, LumaV may store referral code activity and referral status. If you contact support, report a bug, or submit a feature request, LumaV may store your email address, category, subject, message, and related support metadata so we can respond.
8. How We Use Information
- To operate LumaV’s financial planning, FIRE, ledger, holdings, and scenario features.
- To authenticate users and protect access to personal finance data.
- To provide market data, news, exchange rates, and related asset context.
- To process support requests, bug reports, feature requests, referrals, and shared scenarios.
- To improve reliability, usability, and product quality.
9. Data Sharing
We do not sell personal financial information. We may share limited data with service providers only as needed to operate LumaV, deliver support, provide market data, or comply with legal obligations.
10. Data Retention and Deletion
Data is retained as long as needed to provide the app, maintain records, resolve support issues, comply with law, or support legitimate business purposes. You may request deletion by contacting privacy@lumavault.ai.
11. Security
We use reasonable safeguards to protect personal information. No software or network service can be guaranteed to be completely secure. You are responsible for maintaining the security of your device, credentials, and App Store account.
12. Children
LumaV is not directed to children under 13. We do not knowingly collect personal information from children under 13.
13. Changes to This Policy
We may update this policy as LumaV changes. The updated version will be posted on this page with a new effective date.
14. Contact
Questions about privacy can be sent to privacy@lumavault.ai.