Security & trust
Lumi is built to be safe and dependable. Here is how we protect your account, your data, and your payments.
Encryption in transit
All traffic is served over HTTPS/TLS. Sessions use secure, httpOnly cookies.
No card data stored
Payments are entered only on AmeriaBank's hosted page. We never see or store card numbers.
Modern authentication
Email + password (hashed with bcrypt) and OAuth (Google, Apple). API access uses revocable keys.
Least data
We collect the minimum needed to run the service and meter usage. No selling of data.
Your data, your control
Export everything or delete your account anytime from Settings.
Reliable infrastructure
Hardened server, database backups, rate limiting, and audit logging on every money movement.
Payments & PCI scope
Card details are captured exclusively on AmeriaBank's PCI-compliant hosted payment page. Every payment is verified server-side and credited idempotently, and every balance change is written to an audit log. Report a concern at support@harsaniq.top.