This page is provided for transparency and should be read together with all applicable Lumo Wallet policies, partner terms and local laws. Lumo Wallet is non-custodial and does not provide legal, tax, accounting or investment advice.
Introduction
This Privacy Policy explains how Lumo Wallet LLC may collect, use, share and protect information when you use our website, app, support channels, business tools, plugins and related services.
Lumo Wallet is designed as a non-custodial wallet. We do not need your private keys or recovery phrase and you should never share them with us.
Data controller
For website, support, business onboarding and Lumo-operated services, Lumo Wallet LLC may act as the data controller or business responsible for processing your information.
Some integrated services are provided by third-party partners that may act as independent controllers or processors under their own privacy policies.
Information we collect
We may collect contact details such as name, email address, business details, support messages, device and browser information, IP address, analytics data and information submitted through forms.
For partner-enabled services such as card, on-ramp, off-ramp, swaps or business onboarding, third-party providers may collect identity, KYC, KYB, transaction or compliance information directly.
How we use information
We use information to operate and improve Lumo Wallet, respond to support requests, communicate updates, protect the platform, prevent abuse, support business onboarding and comply with legal obligations.
We may also use aggregated or de-identified information to understand product performance and improve the user experience.
Third-party services and data processing
Lumo Wallet may rely on trusted third parties for card services, payment infrastructure, swaps, on/off-ramp access, compliance screening, analytics, hosting, communication tools and customer support.
Your use of those services may be governed by the third party's own terms, policies, data practices, eligibility rules and compliance checks.
How we share information
We may share information with service providers, professional advisers, compliance partners, law enforcement or regulators where necessary to operate services, protect users, investigate abuse or comply with law.
We do not sell private keys, recovery phrases or wallet control because Lumo Wallet does not hold them.
Legal basis for processing
Where EEA or UK privacy laws apply, we may process personal data based on contract performance, legitimate interests, consent, legal obligations or protection of rights and security.
You may withdraw consent where processing depends on consent, though this may affect access to optional features.
Data retention
We keep personal information only for as long as reasonably necessary for the purposes described in this policy, including support, legal, tax, security, compliance and dispute-resolution purposes.
Retention periods may differ for information processed by third-party partners.
Data security
We use reasonable technical and organisational safeguards to protect information. However, no internet, blockchain, software or storage system can be guaranteed to be completely secure.
Users remain responsible for protecting devices, private keys, recovery phrases, passwords and account access.
Your rights
Depending on your location, you may have rights to access, correct, delete, restrict, object to processing or receive a copy of your personal information.
Requests can be sent to [email protected] or [email protected]. We may need to verify your identity before acting on certain requests.
Cookies and tracking technologies
Our website may use cookies, analytics tools and similar technologies to operate the site, remember preferences, understand traffic and improve performance.
See the Cookie Policy for more detail.
International data transfers
Your information may be processed in the United States, United Kingdom, European Economic Area or other locations where Lumo Wallet or its service providers operate.
Where required, safeguards may be used for international transfers.
Changes to this policy
We may update this Privacy Policy from time to time. Updates will be posted on the relevant Lumo Wallet website page with a revised date.
Contact us
Questions about privacy should be sent to [email protected] or [email protected].