Terms of Service

Last updated: September 2026 · LumaLedger is in private beta.

The service

LumaLedger is a personal-finance tool that aggregates and organizes your financial data. It is provided as an invite-only beta, as-is and without warranty; features may change or break while we build.

Not financial advice

Nothing in LumaLedger is investment, tax, or financial advice. Figures are derived from data supplied by your institutions via Plaid and may be incomplete or delayed — verify against your bank before making decisions.

Your account

You are responsible for keeping your credentials secure and for the accuracy of data you enter manually. You may stop using the service and request deletion of your data at any time.

Bank connections

Bank connectivity is provided by Plaid; by linking an account you also agree to Plaid's End User Services Agreement.

Contact

Questions: tonirosinol@gmail.com.