​Effective Date: 9/23/2025

Lumen Budget (“we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we handle your information when you use our iOS application.

1. Information We Collect

• Account Information: If you create an account, we collect your email address and password for authentication.

• Local Data: All financial and personal data you enter into the app (such as accounts, budgets, or transactions) is stored locally on your device only. We do not upload or share this data with our servers.

2. How We Use Information

We use your information only to:

• Provide access to your account through email and password login.

• Enable app functionality such as saving accounts, transactions, and budgets on your device.

• Manage subscriptions and allow you to restore purchases.

We do not use your data for advertising, tracking, or analytics.

3. Data Storage and Security

• All data you enter into the app remains on your device.

• We do not have access to, collect, or transmit your financial information.

• Your login credentials are securely processed using Apple’s frameworks.

4. Subscriptions and Payments

Subscriptions are managed through Apple’s App Store. Payment details are not collected or stored by us. Please refer to Apple’s privacy policy for details on payment processing.

5. Third-Party Services

The app does not share data with third parties. If third-party frameworks (e.g., Apple In-App Purchases, Firebase for authentication logs) are used, they comply with their own privacy policies.

6. Your Choices

• You may delete the app at any time, which removes all locally stored data.

• You may change or delete your account by removing your email/password from the app.

7. Children’s Privacy

Our app is not directed to children under 13. We do not knowingly collect personal information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted with a new effective date.

9. Contact Us

If you have questions about this Privacy Policy, please contact us at:
Email: Support@lumenbudget.com