Terms of Service

1. Agreement to these Terms

These Terms of Service ("Terms") are a binding agreement between you and MG ("we", "us", "our"), an independent developer based in Indonesia, governing your use of the Lumen application, also known as Personal Finance Notion ("the Service").

By creating an account or using the Service, you confirm that you have read, understood, and agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

To use the Service you must be at least 18 years old and legally able to enter into a binding agreement. By using the Service you represent that you meet these requirements.

3. What the Service is — and is not

Lumen is a personal finance record-keeping and visualisation tool. It lets you record transactions across accounts you define, organise income and expenses into categories and budgets, view charts and summaries of your cash flow, maintain a wishlist, and import transactions manually or through an AI-assisted bulk-import feature.

The Service is not, and does not provide:

• Financial, investment, tax, accounting, or legal advice. Any figures, charts, budgets, totals, or summaries shown are calculated from data you entered and are for your personal information only. They are not advice and must not be relied on as such.
• A bank, payment service, e-money issuer, lender, or financial institution. The Service does not hold, transfer, or move funds, does not execute payments, and does not connect directly to your bank accounts.
• A regulated financial product. It is a self-service tool for organising information you choose to enter.

For decisions about your finances, taxes, or investments, consult a qualified professional.

4. Public beta — provided "as is"

The Service is offered as a public beta. You acknowledge and accept that:

• The Service may contain bugs, errors, or incomplete features, and may change, be interrupted, or be discontinued at any time.
• There is no service-level guarantee of uptime, availability, or performance.
• Despite reasonable precautions and backups, data loss is possible. You are responsible for keeping your own independent copies of important financial records.
• The Service is currently provided free of charge during the beta. We may introduce paid plans or change pricing in the future; if we do, we will give reasonable advance notice and you may choose not to continue.

The Service is provided "as is" and "as available", without warranties of any kind to the fullest extent permitted by law.

5. Your account

• You are responsible for providing accurate information and keeping your account credentials, and any integration API keys you generate, secure and confidential.
• You are responsible for all activity that occurs under your account or API keys.
• Notify us promptly at the contact address below if you suspect unauthorised access.
• You may not share your account, or create an account on behalf of someone else without authority.

6. Acceptable use

You agree not to:

• Use the Service for any unlawful, fraudulent, or harmful purpose.
• Upload content you have no right to use, or that infringes the rights of others.
• Attempt to gain unauthorised access to the Service, other users' data, or our systems; probe, scan, or test the vulnerability of the Service except as expressly invited; or interfere with its normal operation.
• Use automated means to overload, disrupt, or abuse the Service or its integrations API beyond reasonable use.
• Reverse engineer, copy, resell, or commercially exploit the Service except as permitted by law.

We may suspend or terminate access that violates these Terms.

7. Your data and content

• You own the data you put into the Service. We do not claim ownership of your transactions, notes, or other content.
• You grant us a limited licence to store, process, and display your content solely to operate and provide the Service to you, including processing it through the service providers described in the Privacy Policy.
• You are responsible for the accuracy and legality of the content you enter or import.
• Our handling of personal data is described in the Privacy Policy. You can delete your data as described in the Data Deletion Policy.

8. AI-assisted features

The Service includes an AI-assisted bulk-import feature that uses a third-party AI provider to read submitted content and convert it into transactions. You acknowledge that:

• AI output can be inaccurate or incomplete. You must review and verify all imported transactions before relying on them.
• You are responsible for the content you submit to this feature. Do not submit content you do not have the right to share or are not comfortable sending to a third-party AI provider (see the Privacy Policy, Section 6).
• We are not liable for decisions you make based on unverified AI-generated output.

9. Integrations API

The Service offers an integrations API that lets an external system you configure submit transactions to your account using an API key you generate. If you use it:

• You are solely responsible for that external system, the data it sends, and keeping your API keys secure.
• You must comply with the terms of any third-party services involved.
• We are not responsible for data created, lost, or duplicated by your external integration.

10. Intellectual property

The Service, including its software, design, and content (excluding your own data), is owned by us and protected by applicable intellectual-property laws. These Terms do not grant you any right in the Service other than the limited right to use it in accordance with these Terms.

11. Third-party services

The Service relies on third-party providers (for sign-in, hosting, database, email, and AI processing) and may interact with services you connect. We are not responsible for third-party services, and their use is governed by their own terms and policies.

12. Disclaimers and limitation of liability

To the fullest extent permitted by applicable law:

• The Service is provided "as is" without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, or uninterrupted availability.
• We are not liable for any indirect, incidental, special, consequential, or exemplary damages, or for any loss of data, profits, savings, or goodwill, arising from or related to your use of (or inability to use) the Service.
• We are not liable for losses resulting from your reliance on figures, budgets, or AI-generated output, or from data loss during the beta.
• Where liability cannot be excluded by law, our total liability is limited to the amount you paid us to use the Service in the twelve (12) months before the claim — which, during the free beta, is zero.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

13. Indemnity

You agree to indemnify and hold us harmless from claims, damages, and costs arising from your misuse of the Service, your violation of these Terms, or your infringement of the rights of any third party.

14. Suspension and termination

• You may stop using the Service and delete your account at any time (see the Data Deletion Policy).
• We may suspend or terminate your access if you breach these Terms, if required by law, or if necessary to protect the Service or its users. We may also discontinue the Service, in whole or in part, with reasonable notice where practicable.
• Sections that by their nature should survive termination (including data ownership, disclaimers, limitation of liability, and governing law) will continue to apply.

15. Changes to these Terms

We may update these Terms from time to time. We will revise the "Last updated" date above, and for material changes we will give more prominent notice (for example, an in-app message or email). Your continued use of the Service after an update takes effect means you accept the revised Terms. If you do not agree, you should stop using the Service and may delete your account.

16. Governing law and disputes

These Terms are governed by the laws of the Republic of Indonesia, without regard to conflict-of-law rules. You and we will first try to resolve any dispute informally by contacting each other. If a dispute cannot be resolved informally, it will be subject to the jurisdiction of the competent courts of Indonesia, except where applicable mandatory consumer-protection law of your country of residence gives you additional rights.

17. Contact us

Questions about these Terms:

MG — mg.terok77@gmail.com