简体中文
概述
「Lumo - 快捷记账」（以下简称「本应用」）通过 App Store 提供，用于记录个人支出与收入，
并提供智能文本、语音、气泡与常规记账，以及分类、标签、附件、预算、多账本、统计和 CSV 导出等功能。
我们重视你的隐私。本政策说明当前版本如何处理与你使用本应用相关的信息。
我们收集与使用的信息
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记账与设置数据（本地）：你输入的支出、收入、金额、分类、日期、备注、标签、收藏、预算、账本，
以及语言、货币等偏好保存在你的设备本地，用于提供列表、日历、统计和预算等功能。
当前版本不要求注册 Lumo 账户，也不会将上述内容上传至我们自己的服务器。
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麦克风与语音识别：若你使用语音记账，本应用会请求麦克风权限；
在支持的设备上使用系统提供的本机语音识别，将语音转换为可编辑的记账草稿。
本应用不会将语音录音或识别文字上传至我们自己的服务器。
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相机、相册与文件：仅在你主动拍摄、选择或导入时访问相机、相册或系统文件选择器，
用于添加小票、截图、发票或其他附件。导入的附件会复制到本应用的本地存储；
当你主动将图片保存回相册时，本应用会请求相应权限。
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导出与分享：当你选择导出 CSV 或分享附件时，本应用会在设备上生成文件并打开 iOS 系统分享面板。
只有在你选择分享目标后，相关文件才会交给你选择的应用或服务处理；该目标应用或服务受其自身隐私政策约束。
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订阅与购买：Lumo Pro 的自动续期订阅和一次性买断通过 Apple App Store 与 StoreKit 处理。
本应用会向 Apple 获取产品信息、购买结果和可用购买记录，以展示价格并解锁权益。
我们不会收集或存储你的 Apple ID、银行卡信息或完整付款资料。
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产品分析（如启用）：若发布版本配置了 PostHog，我们可能发送应用打开、页面访问、功能操作结果、
订阅流程状态，以及应用版本、平台和构建环境等使用事件，用于改善稳定性与产品体验。
这些事件不包含你的账单金额、备注、语音识别文字或附件内容。未配置分析服务时，不会发送这些事件。
数据存储与保留
记账、设置与导入的附件存储在本应用的设备本地空间。卸载应用、清除应用数据或设备故障可能导致这些内容永久丢失。
CSV 导出仅用于导出账单表格，并不是设置与附件的完整备份。你另行保存到相册、文件或其他应用中的副本，
由相应位置或服务继续保留和管理。
第三方服务
- Apple：App Store 分发、StoreKit 应用内购买与订阅、系统权限、语音识别和分享面板。
- PostHog（仅在已配置并启用时）：接收上述不含账单内容的产品使用事件。
- 你选择的分享目标：仅在你主动导出或分享文件后接收相应内容。
上述第三方受其各自隐私政策约束。
儿童隐私
本应用不面向 13 周岁以下儿童。我们不会故意收集儿童的个人信息。
你的选择
- 可在 iOS 系统设置中关闭麦克风、语音识别、相机或相册权限；关闭后相关功能可能不可用。
- 可在应用内编辑或删除本地账单、分类、预算、账本和附件。
- 由于当前版本不将记账数据上传到我们的服务器，我们通常无法替你查看、恢复或删除设备上的本地数据。
- 订阅可在 iOS「设置 → Apple ID → 订阅」中管理或取消。
政策更新
我们可能不时更新本政策，并在本页面更新「最后更新」日期。重大变更时，我们会在应用或本页面提示。
联系我们
如有隐私相关问题，请联系：simonciweiwork@163.com
English
Overview
Lumo - Quick Log (“the App”) is provided through the App Store for personal expense and income tracking.
It supports smart text, voice, bubble, and manual entry, together with categories, tags, attachments,
budgets, multiple ledgers, insights, and CSV export. This policy explains how the current version handles information.
Information We Collect and Use
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Transaction and preference data (on-device): Expenses, income, amounts, categories, dates, notes,
tags, favorites, budgets, ledgers, language, currency, and related preferences are stored locally on your device.
The current version does not require a Lumo account, and we do not upload this content to our own servers.
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Microphone & speech recognition: If you use voice entry, the App requests microphone access.
On supported devices, system-provided on-device speech recognition converts speech into an editable draft.
The App does not upload voice recordings or recognized text to our own servers.
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Camera, photos & files: The App accesses the camera, photo library, or system file picker only when
you choose to capture or import receipts, screenshots, invoices, or other attachments. Imported attachments are copied
into the App's local storage. Permission is requested when you choose to save an image back to Photos.
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Export & sharing: CSV exports and shared attachments are generated on-device and passed to the iOS
share sheet. A file is provided to another app or service only after you select that destination, which then handles it
under its own privacy policy.
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Subscriptions & purchases: Lumo Pro auto-renewable subscriptions and the lifetime purchase are processed
by the Apple App Store through StoreKit. The App requests product details, purchase results, and available purchases from Apple
to display prices and unlock access. We do not collect or store your Apple ID, card number, or full payment details.
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Product analytics (if enabled): If PostHog is configured in a release, we may send app opens, screen views,
feature outcomes, subscription flow status, app version, platform, and build environment to improve reliability and usability.
These events do not include transaction amounts, notes, recognized speech, or attachment contents. No such events are sent when
analytics is not configured.
Storage & Retention
Transactions, preferences, and imported attachments remain in the App's local on-device storage.
Uninstalling the App, clearing its data, or a device failure may permanently remove them.
CSV export is a transaction table, not a complete backup of settings and attachments.
Copies you save to Photos, Files, or another app are retained and managed by that destination.
Third-Party Services
- Apple: App Store distribution, StoreKit purchases and subscriptions, system permissions, speech recognition, and sharing.
- PostHog (only if configured and enabled): Product usage events described above, without transaction content.
- Your selected sharing destination: Receives a file only when you choose to export or share it.
These third parties are governed by their respective privacy policies.
Children
The App is not directed to children under 13. We do not knowingly collect personal information from children.
Your Choices
- Revoke microphone, speech recognition, camera, or photo permissions in iOS Settings; related features may stop working.
- Edit or delete local transactions, categories, budgets, ledgers, and attachments in the App.
- Because the current version does not upload transaction data to our servers, we generally cannot view, recover, or delete on-device data for you.
- Manage subscriptions in iOS Settings → Apple ID → Subscriptions.
Changes
We may update this policy and change the “Last updated” date. Material changes may be communicated in the App or on this page.
Contact
Privacy questions: simonciweiwork@163.com