We encrypt all your credentials and separate them from your personally identifiable information. To retrieve your transaction history your details are automatically unencrypted and used to retrieve your transaction history, then immediately re-encrypted. At Lumio we don’t store any of your login credentials, including passwords.

Lumio app is a read-only service, so if your Lumio account should fall into the wrong hands (for example if your phone is stolen and hacked) no one can make any transactions from your account. In addition to this, to access your Lumio account you must provide a pin-code or biometric ID to log in each and every time.