An AI companion that knows you —
transparent, controllable, grounded.

Questions about Lumi AI

• What can Lumi do for me?

  Lumi is the AI companion that runs through the whole app. It plays four roles:

  • Capture assistant: turns a single sentence into a task, event, expense or journal entry
  • Daily secretary: morning briefings, evening reviews and help planning your day
  • Analyst: answers questions like “How much did I spend on food this month?” and shows its sources
  • Growth coach: breaks down life goals, builds growth plans and reviews your progress with you

  You decide which of your data it can read. Learn more about Lumi AI.

• Which AI models does Lumi use?

  It depends on your data region:

  • Global region: OpenAI, DeepSeek, and Anthropic’s Claude once our eligibility is confirmed. Users in Hong Kong and Macau get DeepSeek and other providers that support those regions.
  • Mainland China region (being prepared): once it launches, only registered domestic models, with DeepSeek as primary and Alibaba Cloud Bailian (Qwen) as backup; data stays in China. Until then, users in mainland China are served by DeepSeek (requests processed in mainland China), and AI inputs and outputs pass through a keyword content filter.

  By default, Auto mode picks a suitable model for each task, and members can choose a preferred model. DeepSeek processes data in China. If no model is available, AI features pause; Lumi never shows simulated answers instead.

• Can I use Lumi's AI in mainland China?

  Yes. Lumi’s AI features are available to users in mainland China: chat, briefings, planning and the other AI features are served by DeepSeek, a domestically filed large language model, with requests processed in mainland China and never sent to OpenAI or Anthropic. AI inputs and outputs pass through a keyword content filter, and requests or answers found to violate the rules are blocked or stopped.

  Lumi decides whether you’re in mainland China from the country or region and the time zone your device reports to Lumi. It doesn’t use GPS or your IP address.

  Lumi’s servers are in Tokyo, Japan, so we ask for your separate consent to the cross-border transfer before anything you create is uploaded. The generative AI service registration is in progress, and we’ll publish the registration details once it’s complete. See the AI Service Terms.

• What is a token, and why do models use different amounts?

  Tokens are how Lumi measures AI usage. One standard token equals one token on our standard model, DeepSeek V4.1 Flash. Other models count with a multiplier based on cost, for example standard ×1, advanced ×4, premium ×8 and flagship ×20–40.

  You can expand any answer to see what it used, and big tasks show an estimate first so you can decide whether to go ahead. Multipliers are published, recalibrated when providers change their prices, and announced before they take effect.

• What happens when I run out of tokens?

  Your life records aren’t affected. Tasks, calendar, journal, money, habits and every other non-AI feature keep working as usual.

  AI steps down gently: quick capture switches to local parsing, briefings become a plain summary of your data, and chat and analysis suggest a token pack or a membership upgrade. When your balance drops below 10%, Lumi reminds you once. Monthly tokens reset each billing period, and tokens you buy never expire.

• Does Lumi train AI on my data?

  No. Lumi never uses your data to train any model, and our agreements with model providers say they won’t train on it either and will keep it for the shortest time possible.

  Before you use cloud AI for the first time, Lumi shows a single page explaining what data it reads, which provider receives it and why. AI stays off until you agree. See the AI Terms for details.

• How do I control what Lumi can read?

  In Settings → Lumi, switch access on or off by module. Journal, docs, tasks, calendar, money, habits, and goals and plans are on by default once you agree to use AI. Health data, and the email features coming later, need separate permission.

  To keep a single journal entry or doc private, mark it “Don’t let Lumi read this.” Phone numbers, email addresses, ID numbers and card numbers are masked before anything is sent to a model.

• What does Lumi remember about me, and can I manage it?

  Lumi picks up useful things from your chats, journal and planning interviews, such as your preferences, goals and the people in your life. Every memory shows its source, and you can view, edit or delete any of them in Lumi’s Memory. You can also just say “forget this” in a chat.

  Sensitive details such as health conditions, religion, political views, sexual orientation and financial account numbers are never memorized automatically unless you ask. The Lumi Activity Log shows everything Lumi has read, done and created.

• Can Lumi change my data without asking?

  No. Lumi suggests; you decide.

  • Single actions you can undo, like adding a task or logging an expense: Lumi asks first. Only if you turn on auto-run for low-risk actions does it go ahead, with an Undo button.
  • Batch or structural changes: Lumi lists every item so you can check them and confirm.
  • Anything that affects other people or outside services, and anything irreversible such as deleting: Lumi always asks first.

  Deleted items go to Recently Deleted for 30 days.

• Is Lumi always right? Can I rely on it for professional advice?

  Numbers about your own data, like how much you spent or how often you checked in, are calculated by the app, not guessed by the model. But AI-written text can still be wrong, so please double-check before any important decision.

  Lumi isn’t a doctor, lawyer, financial advisor or therapist. It doesn’t diagnose or prescribe, doesn’t recommend specific investments or when to buy or sell, and gives only general information and official sources on legal and immigration questions. If you’re going through a crisis, Lumi points you to local help lines.

• Is there an age requirement for AI features?

  Yes. Lumi’s AI features require you to be at least 18, or the age required where you live.

  The minimum age to create an account is 14 in mainland China and 13 elsewhere, or higher where local law requires. If you’re under 18, you need a parent or guardian’s consent, and you can use only the non-AI features. Parents and guardians can reach us at support@xicoai.com.

• Why do Lumi's answers carry an "AI-generated" label?

  So you can always tell what came from AI. In Lumi, AI answers carry the orb mark, and answers in conversations are labeled “AI-generated” by default.

  When you export your data, the AI-generated content in the archive, including Lumi’s answers in conversations, briefings and insights, AI summaries of journal entries and reviews, growth-plan analyses and generated plan text, and the memories Lumi created, is labeled “AI-generated” in the Markdown files and tagged ai_generated in the JSON files. The archive also includes metadata naming the service provider. We apply these labels under China’s rules on labeling AI-generated content.