Legal

Lumida Invest Privacy Policy

Effective Date: November 01, 2025
Last Updated: December 25, 2025

Lumida Inc. (“Lumida,” “we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, share, and protect information when you use Lumida Invest (the “Service”), including our mobile application and related websites.

By using the Service, you agree to the practices described in this Privacy Policy.

1. Who We Are

Lumida Invest is operated by:

Lumida Inc.
Wayne, New Jersey 07470
support@lumida.com

2. Scope of This Policy

This Privacy Policy applies to information we collect when you:

• Use the Lumida Invest app or website
• Create or use an optional account
• Interact with features such as market data, AI insights, or brokerage linking
• Contact us for support

This policy does not apply to third-party services you access through Lumida Invest (such as brokerage platforms or data providers), which are governed by their own privacy policies.

This Privacy Policy applies only to Lumida Invest and does not apply to Lumida Wealth Management LLC or any advisory services it provides.

3. Information We Collect

A. Information You Provide Voluntarily

Depending on how you use the Service, we may collect:

• Account information (if you choose to log in): email address or other basic identifiers
• Communications: messages you send to us for support or feedback
• Preferences or settings you choose within the app

Login is optional for some features, but may be required for certain functionality.

B. Information Collected Automatically

When you use the Service, we automatically collect limited technical and usage information, such as:

• Device type, operating system, and app version
• Anonymous or pseudonymous device identifiers
• App interactions, screen views, and feature usage
• General usage timestamps and performance data

We do not collect precise GPS location data.

C. Brokerage Account Information (Read-Only)

If you choose to link a brokerage account through third-party providers:

• Lumida Invest receives read-only portfolio and holdings data
• We do not receive or store your brokerage login credentials
• We cannot place trades, move funds, or modify accounts

Brokerage linking is facilitated entirely by third-party services, subject to their privacy policies and terms.

D. What We Do Not Collect

We do not collect:

• Social Security numbers
• Government-issued identification
• Biometric data
• Brokerage passwords or credentials

4. How We Use Information

We use information we collect to:

• Operate and improve the Service
• Provide features such as market insights, AI analysis, and portfolio views
• Monitor performance, reliability, and security
• Respond to user inquiries and support requests
• Comply with legal and regulatory obligations
• In limited cases, we may associate a user identifier (such as a user ID or email address) with diagnostic data to investigate and resolve issues affecting specific user accounts.
• We do not sell personal information and do not share personal information with third parties or affiliates for marketing or promotional purposes.

We do not sell your personal information.

5. AI and Analytics Use

Lumida Invest uses analytics tools and AI models to:

• Understand how users interact with the app
• Improve features, usability, and performance
• Generate aggregated insights and AI-powered content

AI outputs may be generated using anonymized or aggregated data and are not personalized financial advice.

6. Sharing of Information

We may share information in the following limited circumstances:

A. Service Providers

With trusted vendors who help us operate the Service (e.g., analytics, hosting, infrastructure), under confidentiality obligations.

B. Third-Party Integrations

With third-party providers you explicitly choose to use.

C. Legal Requirements

If required to comply with applicable laws, regulations, legal processes, or governmental requests.

We do not share personal information for advertising or marketing resale.