Terms of Service

1. Acceptance of Terms

By accessing or using Lumly, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

2. Beta Status and Service Availability

Lumly is a personal finance tracking application that helps you record, import, categorize, and review transactions across web and other supported interfaces.

You use the service at your own discretion and should verify important financial records independently.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate information and immediately notify us of any unauthorized use.

4. Acceptable Use

You agree not to:

• Use the service for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Upload malicious code or content

5. User Data and Privacy

You retain rights to your content and data. You grant Lumly the rights necessary to host, process, and display that data solely to operate and improve the service. Our data handling practices are described in the Privacy Policy.

6. Paid Features (If Offered)

If Lumly offers paid plans, pricing and billing terms will be shown at the time of purchase. Unless required by law, fees are non-refundable.

7. Disclaimers

Lumly is provided on an "as is" and "as available" basis without warranties of any kind, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the maximum extent permitted by law, Lumly is not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from your use of the service.

9. Changes to the Service or Terms

We may update these Terms or change the service from time to time. If we make material changes, we may provide notice through the app, website, or email. Continued use after the effective date of updated Terms constitutes acceptance.

10. Termination

You may stop using Lumly at any time. We may suspend or terminate access if you violate these Terms or if continued operation of the service is no longer feasible.

11. Contact

For questions about these Terms, contact us at hello@lumly.app