The rules of engagement for using Luno — kept plain and honest.
The short version: Luno is free personal finance software. Use it honestly, don't try to break it, and understand that your financial data is your responsibility since we never touch it. These terms are straightforward because the product is.
By downloading, installing, or using Luno ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
These Terms constitute the entire agreement between you and the Luno team regarding your use of the App.
Luno is a personal finance tracking application for Android devices. It provides tools to:
All functionality operates entirely on your device. Luno does not connect to any external servers, banking institutions, or financial services on your behalf.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download and use Luno for your personal, non-commercial purposes on devices you own or control.
You may not:
Since Luno operates entirely on-device, you are solely responsible for:
Luno is a personal record-keeping tool, not a certified financial advisor. The insights and metrics displayed (such as savings rate, daily burn, and runway) are calculated from the data you provide and should not be treated as professional financial advice.
The App is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that:
To the maximum extent permitted by applicable law, we disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, the Luno team shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability to you for all claims shall not exceed the amount you paid for the App (which is zero, as Luno is free).
You agree to use Luno only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to use the App to:
We may update the App from time to time to fix bugs, add features, or improve performance. We may also update these Terms. Continued use of the App after any changes constitutes acceptance of the revised Terms.
We reserve the right to discontinue the App at any time without notice, though we will make reasonable efforts to communicate significant changes.
These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in India.
If you have questions about these Terms, please get in touch: