Terms of Service

1. Acceptance of Terms

By accessing and using the Lume Portfolio application ("App"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. These terms constitute a legal agreement between you and Pexelerate ("Company", "we", "us", or "our").

2. Use of Service

Lume Portfolio is provided as-is, and we reserve the right to modify, suspend, or discontinue the service at any time without notice. You agree to use the App only for lawful purposes and in accordance with these Terms.

2.1 Reasonable Use Policy

Lume Portfolio includes features for unlimited transactions, accounts, and on-device AI usage. These services are subject to a reasonable use policy designed to prevent abuse and ensure service quality for all users. "Unlimited" features are intended for personal use only, and we reserve the right to limit or suspend access if we detect excessive usage patterns that may negatively impact the system or other users' experience. Examples of unreasonable use include, but are not limited to: automated mass imports unrelated to personal finance, systematic data scraping, or any usage pattern that suggests commercial exploitation of the service.

3. Privacy and Data Collection

Your financial data — transactions, accounts, categories, chat history — is stored on your device and (optionally) in your own iCloud. We do not receive, store, or process this data.

We collect anonymous, aggregated usage data to improve the App. The trial and the one-time purchase do not require you to create an account or share your email address. If you choose to give us your email separately for product updates, it will not be shared with third parties and you can opt out at any time. See our Privacy Policy for full details.

4. Trial, Purchase, and Refunds

Lume Portfolio is offered with a 1-week free trial followed by a one-time purchase at the Launch Price of $9.99 (USD). The Launch Price is an introductory price for early users and may change for future buyers. There is no subscription, no auto-renewal, and no recurring charge. The trial is granted by us through our purchase infrastructure (RevenueCat) and does not require any payment to start.

Purchase and validation. The one-time purchase is processed by Apple through the App Store. We use RevenueCat to validate your App Store transaction receipt and to track your trial and purchased entitlement. We do not see or process your payment method. We do not store any of your financial data on our servers.

Refunds. All refunds are handled directly by Apple under the App Store's refund policy. To request a refund, use Apple's "Report a Problem" flow at reportaproblem.apple.com. We do not issue refunds ourselves. If Apple grants a refund, your App Store receipt is updated with a cancellation status; that status flows through to RevenueCat and your entitlement to the app's paid features is revoked. After a refund, the app will no longer treat you as a purchased user and access to paid features will end.

5. Communications

You can opt in to Lume Portfolio email updates to receive product news, service announcements, and other communications. You can opt out at any time through the unsubscribe link in the emails. We will never share your contact information with third parties.

6. User Responsibilities

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. Because your financial data is stored on your device, you are also responsible for keeping your device and iCloud account secure.

7. Intellectual Property

All content, features, and functionality of Lume Portfolio — including but not limited to text, graphics, logos, icons, and software — are the exclusive property of Pexelerate and are protected by international copyright, trademark, and other intellectual property laws.

8. No Financial Advice

Lume Portfolio is a personal finance tracking tool. It is not a financial advisor and does not provide financial, tax, legal, or investment advice. Any insights, summaries, or AI-generated suggestions are for informational purposes only. You are solely responsible for any financial decisions you make.

9. Limitation of Liability

To the maximum extent permitted by law, Pexelerate shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, or data, whether incurred directly or indirectly.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes via email or through the App. Your continued use of Lume Portfolio after such modifications constitutes your acceptance of the updated Terms.

11. Contact

If you have any questions about these Terms, please contact us at support@pexelerate.com.