Our Commitment to Privacy

Lumi is built on a fundamental principle: your financial data belongs to you. We don't ask for bank credentials, we don't sync with financial institutions, and we don't store your data on our servers.

Data Storage

All your financial data — transactions, budgets, goals, and settings — is stored locally on your device using encrypted storage (MMKV). Your data never leaves your phone unless you explicitly export it.

AI Receipt Scanning

When you scan a receipt, the image is sent to OpenAI's Vision API for processing. The image is processed in real-time and is not stored by OpenAI or Lumi servers. Only the extracted data (amount, date, merchant, items) is saved locally on your device.

Analytics

We use PostHog for anonymous usage analytics to understand how people use the app and improve it. This includes:

Anonymous feature usage (which screens are visited, which features are used)
App performance metrics
Crash reports

We do NOT collect: transaction amounts, merchant names, category data, budget details, or any personally identifiable financial information through analytics.

Subscriptions

Premium subscriptions are managed through Apple's App Store via Adapty. Payment processing is handled entirely by Apple. We do not have access to your payment details.

Data Export

You can export all your data at any time in PDF, CSV, or JSON format. This export is generated locally on your device.

Biometric Security

Lumi supports Face ID and Touch ID for app access. Biometric data is handled by iOS and never accessed by our app.

Third-Party Services

OpenAI — Receipt image processing (images not stored)
PostHog — Anonymous usage analytics
Adapty — Subscription management
Apple App Store — Payment processing

Contact

Questions about privacy? Contact us at hello@getlumi.app.

Privacy Policy