These PRIVACY POLICY govern your use of the Lumino mobile application, a product of Kaizen Software Systems Inc.
Lumino is a proprietary financial intelligence application owned and operated by Kaizen Software Systems Inc. ("Company", "we", "our", or "us").
This Privacy Policy explains how we collect, use, process, and safeguard your information when you use the Lumino mobile application.
Lumino is a non-custodial, non-transactional financial intelligence platform that provides financial insights, analytics, and visualizations.
Lumino does not hold, transfer, or manage user funds.
User Information
Collected through authentication providers such as Google Sign-In or Apple Sign-In.
Lumino uses Plaid Inc. as a secure financial data processor to link financial accounts.
Before connecting a financial account, users will see an in-app disclosure explaining the data access.
Lumino may access:
Lumino never receives or stores your banking credentials. Authentication is handled securely by Plaid.
Your interaction with Plaid is governed by the Plaid Privacy Policy
We may collect limited technical information such as:
Lumino uses Artificial Intelligence to analyze financial activity and generate insights.
AI-generated insights are probabilistic estimates and may occasionally be inaccurate. They should not be used as the sole basis for financial decisions.
Your data is siloed and protected. Lumino does not sell personal or financial data to advertisers and does not use user data to train public AI models.
These services process data solely to provide the Lumino service.
We retain user information only as long as necessary to provide the Lumino service.
Users have full control over their data.
Users may delete their account directly within the Lumino application settings.
Users may request deletion by emailing:
admin@kaizensoftwaresystems.com
Your information may be processed and stored in the United States or other jurisdictions where our infrastructure providers operate.
Lumino is not intended for individuals under the age of 13 (or the minimum legal age in your jurisdiction). We do not knowingly collect personal data from children.
In the event of a data security incident affecting user information, we will notify affected users in accordance with applicable laws.
We may update this Privacy Policy periodically. Users will be notified of significant changes through the application or email.
Kaizen Software Systems Inc.
Email: admin@kaizensoftwaresystems.com