Privacy Policy
Last updated December 1, 2025
What you need to know
- Your finances stay on your device. Transactions, accounts, and categories are stored locally — not on our servers.
- On-device AI. Categorization, merchant cleanup, and chat answers all run on your Mac. Your data is not used to train any model.
- You hold the encryption keys. iCloud sync uses keys from your iCloud Keychain — not ours, not Apple's.
- No bank credentials. We never ask for your bank login. There's no Plaid token to leak.
- Anonymous analytics only. Aggregate, non-identifying usage signals to help us improve the app. No personal identifiers.
Information We Collect
Lume Portfolio is designed with privacy at its core. All your transactions, accounts, categories, and chat history are stored locally on your Mac and (optionally) in your own iCloud database. We do not receive, store, or have access to this data.
Anonymous Usage Data. We may collect anonymous, aggregated usage data to help us understand how the app is used and to improve the product. This data does not include any personal identifiers, transaction content, or financial information from your ledger.
How We Use Your Information
Because your financial data never reaches us, we don't "use" it. The app uses your data locally to:
- Display your transactions, categories, and accounts
- Categorize new transactions using on-device AI
- Answer chat-driven questions about your spending using a local LLM
- Sync between your own devices via your encrypted iCloud database (if enabled)
On-Device AI
Lume Portfolio runs inference locally using Apple Intelligence and open-weight MLX models (Gemma, Llama). No prompts, transactions, or chat messages are sent to a third-party AI provider. Your data is never used to train any model.
Data Security
We implement appropriate security measures to protect your account information from unauthorized access, alteration, disclosure, or destruction. iCloud sync is end-to-end encrypted using keys that live in your iCloud Keychain. However, no method of transmission over the Internet or any digital storage system is 100% secure, and we cannot guarantee absolute security.
App Permissions and Storage
Lume Portfolio may request the following macOS permissions to provide core functionality:
- iCloud / CloudKit. To sync your data across your own Apple devices.
- File access. To read PDF statements you choose to import. Files stay on your Mac.
- Notifications. To alert you when long-running imports or AI tasks finish.
These permissions are only used for their intended purpose. We do not use these permissions to collect or transmit any personal data from your device.
Third-Party Services
Lume Portfolio may contain links to third-party websites or services that are not owned or controlled by Pexelerate. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Children's Privacy
Lume Portfolio is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you become aware that a child has provided us with personal information, please contact us.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date above.
Contact
If you have any questions about this Privacy Policy, please contact us at support@pexelerate.com.
© 2026 Lume Portfolio. Built by Pexelerate.