Clovio Privacy Policy
This Privacy Policy explains how the Clovio mobile application (“Clovio” or the “App”) handles your information. Clovio is operated by Lyumen Labs (“Lyumen Labs”, “we”, “us” or “our”). Our website is lyumenlabs.com and we can be reached at workwithsandeep1@gmail.com.
By using Clovio you agree to this Policy, which forms part of our Terms & Conditions.
1Our Approach
Clovio runs entirely on your device. We operate no server, the App has no account or sign-in, and we have no means by which to see, access, receive, store, transmit or recover any of your information. Your financial data stays on your phone, encrypted, under your control. In short, Clovio does not collect your data, and nothing leaves your device.
2Information We Collect
Lyumen Labs collects no personal data, no financial data, no analytics, no advertising identifiers, no device identifiers and no usage telemetry. We do not operate any backend that could receive such information.
In particular, we do not collect or transmit your transactions, balances, budgets, goals or debts; your merchant names, SMS content or voice input; your name, email address, telephone number or contacts; your location, advertising identifiers or device fingerprints; or any crash logs or behavioural analytics connected to you.
3Information Processed on Your Device
In order to function, the App processes the following information locally on your device. None of it reaches Lyumen Labs or any third party.
On Android, the App reads bank and transaction SMS messages in order to detect expenses automatically. This parsing happens on the device, and the message content is never uploaded. On iOS, SMS access is not available, and you import data through PDF statements or through manual or voice entry.
Voice input is captured and transcribed on the device to fill in a transaction. Your transactions, budgets, goals, accounts and insights are generated and stored on the device. Categorisation and insights are produced by a rule-based engine that is built into the App and runs locally, so your data is never sent to any external service.
4How Your Data Is Stored
All of your data is held in an encrypted local database on your device, protected behind your device's biometric or PIN app lock, and the keys used to protect it are held in your device's secure storage. Because we keep no copy of your data, we cannot recover, restore, reset or delete it for you. You control it entirely.
5Permissions We Request
The App may ask for certain device permissions, each of which is used only for a feature that runs on your device. On Android, the App may request SMS access in order to detect expenses from bank messages. The App may request microphone access for voice entry, notification access for local reminders and alerts, and biometric access for the app lock. None of these permissions results in information being sent off your device. You may grant or revoke any of them in your device settings at any time, and refusing a permission disables only the related feature.
6Payments
Pro features are purchased through the Apple App Store or the Google Play Store. Lyumen Labs does not receive or store your payment information; all billing is handled by Apple or Google under their own privacy policies. From the store, we receive only a non-personal confirmation that a valid purchase exists, which is used to unlock Pro on your device.
The handling of your purchase by Apple or Google is governed by their respective privacy policies, available at apple.com/legal/privacy and policies.google.com/privacy.
7Sharing and Third Parties
We share nothing, because we collect nothing. The App contains no third-party analytics, advertising or tracking software that accesses your personal or financial data, and there is no path within the App by which your data could be sent out.
8Your Own Copies of Your Data
You remain in control of your own data. On the free tier you can export your records to a CSV file. On the Pro tier you can create a local encrypted backup and restore it. These files are created by you, remain under your control, and are not sent to us.
9Children
Clovio is intended for users aged 18 and over and is not directed at children. As we collect no data, we do not knowingly collect personal information from anyone, including children.
10International Use
Clovio is available in several regions. Because all processing happens on your device and no data is transferred to us or across borders, there is no international transfer of your information by Lyumen Labs. Any cross-border handling of your payment data is carried out by Apple or Google under their own policies.
This on-device model is designed to be consistent with the major privacy frameworks, including the EU General Data Protection Regulation and India's Digital Personal Data Protection Act. We do not act as a controller or processor of your financial data, because that data never reaches us.
11Changes to This Policy
We may update this Privacy Policy from time to time. The “Last Updated” date above shows the current version. Where the changes are material, we will make them available within the App or on lyumenlabs.com. If you continue to use the App after a change takes effect, you accept the updated Policy.
12Contact
If you have any question about your privacy or this Policy, please write to workwithsandeep1@gmail.com.