Terms of Service

By downloading, installing, or using the Lucren app ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the App.

These Terms apply to all users, including free, guest, and paid subscribers. We may update these Terms from time to time — continued use of the App after changes constitutes acceptance of the updated Terms.

Lucren is a personal finance tracking application operated by RANDEVU ("we," "us," or "our"), based in Louisville, Kentucky. The App allows you to manually track net worth, budgets, investment portfolios, and financial goals, and to access financial education content.

Lucren is a tracking and education tool only. We are not a financial institution, investment advisor, broker-dealer, or credit counseling service. Nothing in the App constitutes financial, investment, tax, or legal advice. See Section 9 for the full disclaimer.

• ·You must be at least 13 years old to use Lucren.
• ·Users between 13 and 17 must have parental or guardian consent.
• ·You must be a human individual — accounts created by automated means are not permitted.
• ·You must provide accurate information when creating your account.
• ·You may only maintain one personal account.

You may create a registered account using your email address and a password, or continue as a guest without an account.

Registered accounts — Your data is stored securely in the cloud and syncs across devices. You are responsible for maintaining the confidentiality of your password and for all activity that occurs under your account.

Guest accounts — Data is stored on your device only. Guest data is permanently lost when you uninstall the App or clear app data. Guest accounts cannot access paid subscription features. We are not responsible for any data lost from guest sessions.

Notify us immediately at admin@getlucren.com if you believe your account has been compromised.

Lucren offers the following subscription tiers:

Billing — Paid subscriptions are billed through the Apple App Store (iOS) or Google Play (Android). All payments are processed by Apple or Google — Lucren does not directly store your payment information.

Auto-renewal — Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the renewal date. Your account will be charged within 24 hours before the renewal date.

Price changes — We will provide at least 30 days' notice of any subscription price increases. Continued use after the price change takes effect constitutes acceptance of the new price.

Launch promotion — Early subscribers may be offered a promotional rate of $4.99/month for the Plus plan. Promotional pricing is locked for the duration of the original subscription and does not apply to plan changes or renewals after cancellation.

You may cancel your subscription at any time through your device's App Store or Play Store account settings. Cancellation takes effect at the end of the current billing period — you retain access to paid features until then.

Refunds — All purchases are subject to the refund policies of Apple App Store or Google Play. We do not directly issue refunds. To request a refund, contact Apple or Google through their standard support channels.

Downgrading to the Free plan does not result in a refund of the remaining paid period.

The Free tier is provided at no cost and includes core tracking features with the following limits:

• ·Up to 5 investment holdings
• ·Manual data entry only (no bank sync)
• ·Foundation financial literacy track only
• ·No wealth history charts
• ·No live market prices

We reserve the right to modify Free tier limits with 30 days' notice.

You agree not to:

• ✕Use the App for any unlawful purpose or in violation of any applicable laws
• ✕Attempt to gain unauthorized access to any part of the App or its infrastructure
• ✕Reverse engineer, decompile, or attempt to extract the source code of the App
• ✕Use automated tools, bots, or scripts to access or interact with the App
• ✕Upload or transmit viruses, malicious code, or any content designed to disrupt the App
• ✕Share, sell, or transfer your account to any other person
• ✕Misrepresent your identity or affiliation with any person or organization
• ✕Use the App to store information that violates the intellectual property rights of others

Violation of these rules may result in immediate account termination without refund.

All financial data you enter into Lucren ("User Content") remains yours. We do not claim ownership of your data.

By using the App, you grant us a limited, non-exclusive license to store, process, and display your User Content solely to operate the App for you. We do not use your financial data for advertising or sell it to third parties.

You are responsible for the accuracy of the data you enter. We are not liable for decisions made based on inaccurate data you have entered.

For details on how we handle your data, see our Privacy Policy.

The App, including its design, code, features, content, branding, and financial literacy curriculum, is the exclusive property of RANDEVU and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works from, or commercially exploit any part of the App without our express written permission.

The Lucren name, logo, and "L" mark are trademarks of RANDEVU. You may not use our trademarks without prior written permission.

Lucren integrates with the following third-party services to deliver its features:

• ·Supabase — Cloud database and authentication
• ·RevenueCat — Subscription management
• ·Apple App Store / Google Play — Payment processing and app distribution
• ·Plaid — Bank account connection (when available)

Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the availability, accuracy, or conduct of any third-party service.

The App is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the App will be error-free, uninterrupted, secure, or that any defects will be corrected.

To the maximum extent permitted by applicable law:

• ·We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App
• ·We are not liable for any financial losses, investment decisions, or outcomes resulting from information displayed in the App
• ·We are not liable for data loss resulting from guest sessions, device failure, or account deletion
• ·Our total liability to you for any claim arising from these Terms or your use of the App shall not exceed the amount you paid to us in the 12 months preceding the claim

You agree to defend, indemnify, and hold harmless RANDEVU and its officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from: (a) your use of the App; (b) your violation of these Terms; or (c) your violation of any third-party rights.

By you — You may close your account at any time via Settings → Delete Account in the App, or by emailing admin@getlucren.com. Account deletion is permanent and cannot be undone.

By us — We may suspend or terminate your account at our discretion if you violate these Terms, engage in fraudulent activity, or for any other reason with or without notice. We will not issue refunds for accounts terminated due to Terms violations.

Upon termination, your right to use the App ceases immediately. Sections 9, 11, 13, 14, and 16 survive termination.

These Terms are governed by the laws of the State of Kentucky, United States, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the App will first be addressed through good-faith negotiation. If a dispute cannot be resolved informally, it shall be submitted to binding arbitration in Louisville, Kentucky under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

Class action waiver — You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.

We may revise these Terms at any time. When we do, we will:

• ·Update the "Last updated" date at the top of this page
• ·Send an email notification to your registered address for material changes
• ·Display an in-app notice for at least 14 days following significant changes

Continued use of the App after the effective date of updated Terms constitutes your acceptance of the changes.

Questions about these Terms: