Privacy Policy – Xium

Effective Date: 01 January 2026

1. Introduction

Xium values your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use the Xium mobile application.

2. Information We Collect

Xium may collect the following types of information:

3. Bank Data & Plaid

Xium uses Plaid to securely connect to your bank accounts. We do not store your banking login credentials. All bank data access is handled according to Plaid's security standards and privacy policies.

4. How We Use Your Information

Your information is used solely to:

5. Email Forwarding & Attachments

When you forward emails to Xium, only the content you share is processed. Attachments may not always be accessible due to third-party security restrictions. For best results, documents should be uploaded directly using the camera or file picker.

6. Data Storage & Security

We apply reasonable technical and organizational measures to protect your data. However, no digital system can be guaranteed to be completely secure.

7. Data Sharing

Xium does not sell or rent your personal data. Your data is shared only with trusted services (such as Plaid) when required to provide app functionality or comply with legal obligations.

8. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. You may request deletion of your data by contacting support.

9. Your Rights

You have the right to access, update, or delete your personal data. You may manage most of your data directly within the app settings.

10. Children's Privacy

Xium is not intended for users under the age of 18. We do not knowingly collect data from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Continued use of the app indicates acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at contact@xium.io