Lumo Alternatives, Sorted by What They Guarantee

Lumo’s zero-access encryption means even Proton can’t read your chats, but in exchange you get an unnamed model, no coding agent, no voice mode, tight free limits, and no way to self-host. If coding is the gap, Ollama keeps the never-trains guarantee and runs a coding loop on your own machine; Mistral Vibe is the hosted answer, with EU residency and a training opt-out rather than zero training.

Nothing below matches Lumo on privacy purity by itself, so I’ve filed each one under the guarantee it actually makes. If only one feature is missing, keeping Lumo and adding one of these for that gap is a reasonable setup.

What each alternative guarantees, next to Lumo

Tool	Data hosted in	Trains on you by default	Self-host?	Capability gap vs Lumo
Lumo (for reference)	Switzerland	Never	No	(Baseline)
Mistral Vibe	EU (Ent: on-prem too)	Free/Pro yes with opt-out; Ent no	Yes	Adds coding agent, MCP, connectors
Ollama	Your machine	Never	Yes	Adds coding agent (setup required)
DuckDuckGo AI Chat	US, anonymized	No, chats deleted in 30d	No	Adds multi-model routing
Brave Leo	US, proxied	No	No	Adds page-context AI
ChatGPT Enterprise	US	Excluded by contract	No	Adds full ChatGPT feature set
Kagi Assistant	US, no logging	No	No	Adds multi-model routing plus search

All privacy defaults and prices checked 2026-08-25 on each vendor’s own privacy or pricing page. For scale, Lumo Plus is $9.99/mo.

No account, and vendors don’t see your IP: DuckDuckGo AI Chat

DuckDuckGo AI Chat at duckduckgo.com/aichat is free with no signup (checked 2026-08-25). It routes across GPT-4o mini, Claude 3.5 Haiku, Llama 3.3, and Mistral Small through an anonymized proxy, and DuckDuckGo’s own policy says chats are removed within 30 days.

What it doesn’t promise is zero-access encryption, and there’s no persistent history: the opposite of Lumo’s saved-and-encrypted approach, and a feature if you want nothing kept. No image generation, voice, or file upload. It covers quick anonymous chat without Lumo’s tighter free limits.

Chats not recorded, inside the browser: Brave Leo

Brave Leo is free inside the Brave browser, and Leo Premium is $14.99/mo for higher usage, larger context, and Claude access (checked 2026-08-25, brave.com/leo). Brave doesn’t record chats or require an account, and prompts are proxied through Brave’s servers so vendors don’t see your IP.

Again, no zero-access encryption. It isn’t a standalone product either: the daily benefit only comes if Brave is your browser, where it puts private AI on every page without a separate app.

EU-hosted, with a training opt-out: Mistral Vibe

Paris-based Mistral rebranded Le Chat as Vibe mid-2026. Pro is $14.99/mo and Team $24.99/user/mo (checked 2026-08-25, mistral.ai/pricing), with a real free tier on current SOTA models. You get full MCP support, a CLI, VS Code / JetBrains / Zed plugins, 100+ connectors, and open weights.

The guarantee depends on the tier. Individual Free and Pro train on your chats by default with a real opt-out. Enterprise and paid-API data are excluded from training entirely, and Enterprise supports on-prem or private-cloud deployment with EU residency. That’s a step down from Lumo in privacy purity and a big step up in capability, especially for code.

Training excluded by contract: ChatGPT Enterprise

ChatGPT Enterprise (custom pricing, checked 2026-08-25, openai.com/business/pricing) puts the training exclusion in writing. SAML SSO is standard, and OpenAI publishes its encryption details (TLS 1.2 in transit, AES-256 at rest), which Lumo does not disclose in the same way.

The guarantee stops at the Enterprise tier: every plan below it trains on you by default, with an opt-out. Pricing is nowhere near $9.99/mo, and there’s no self-hosting. This is for teams who need GPT-5.6 quality answers with a contract behind the privacy.

Paid for by you, not by advertisers: Kagi Assistant

Kagi Assistant is bundled into Kagi’s paid search subscription (Ultimate at $25/mo, checked 2026-08-25, kagi.com/pricing) and routes across GPT-5.6, Claude Opus 4.8, Gemini 3.1 Pro, and Llama-based models. Kagi’s own policy: no ads, no tracking, and chats are not used to train models.

There’s no free tier, no self-hosting, and no image generation, and the model you get depends on which vendor you pick per query. It fits if your Lumo use is search plus AI and you’d rather pay for search to keep it clean.

Nothing leaves your machine: Ollama

This is the only pick here with no vendor policy to trust. Ollama runs Llama 3.3, gpt-oss, DeepSeek-V4, or Mistral open weights locally, free and unlimited, sends prompts nowhere, and never trains on you. It also runs Claude Code and Codex loops against local models, which is the coding agent Lumo doesn’t ship.

You pay for it in hardware (recent Apple Silicon or a 24GB+ VRAM GPU for useful sizes) and setup, which is a real technical step rather than a signup page. There’s no native image generation, and output quality is bounded by whichever open model you load.

Why the big consumer assistants aren’t here

Consumer ChatGPT, Gemini, Grok, Kimi, Meta AI, and DeepSeek all train on your chats by default, which is the posture Lumo users are leaving; a toggle turned off is not a like-for-like replacement. Claude trains on individual Free and Pro, and the Team and Enterprise tiers that don’t are business subscriptions, not a $10-a-month personal switch. Perplexity is the same story: Enterprise never trains, the Free and Pro consumer tiers do. Microsoft Copilot has an undisclosed model, undisclosed limits, and opt-out training “in some markets.”