Privacy Policy
Effective date: May 30, 2026
Xylo Money, Inc. ("Xylo Money," "we," "us," or "our") provides an AI-enabled personal finance app that helps users understand spending, categorize transactions, identify recurring payments, and track money activity. This Privacy Policy explains how we collect, use, disclose, and protect information when you use Xylo Money.
Information we collect
- Account information, such as your name, email address, authentication details, and settings you choose in the app.
- Financial account and transaction information when you connect accounts through supported providers, including balances, transactions, merchants, categories, and recurring payments.
- Usage and device information, such as app interactions, diagnostics, crash data, device type, and approximate region, to operate and improve Xylo Money.
- Communications you send to us, including support requests and feedback.
How we use information
- To provide budgeting, categorization, subscription tracking, watchlist, insight, and account-management features.
- To maintain, secure, debug, and improve Xylo Money and prevent misuse or fraud.
- To communicate with you about your account, product updates, support requests, and administrative notices.
- To comply with legal obligations and enforce our agreements.
How we share information
- With service providers that help us operate the app, including hosting, analytics, authentication, payments, connected-account infrastructure, customer support, and communications providers.
- When required by law, regulation, legal process, or to protect the rights, safety, and security of Xylo Money, our users, or others.
- In connection with a business transaction, such as a merger, acquisition, financing, or sale of assets, subject to appropriate protections.
- We do not sell your personal information.
Your choices
- You can update account information in the app where supported.
- You can disconnect linked financial accounts in the app or by contacting us.
- You can request access, correction, deletion, or export of personal information by contacting us at help@xylo.money.
- You can manage App Store subscriptions through your Apple account settings.
Security and retention
- We use technical and organizational measures designed to protect personal information, but no system can be guaranteed to be completely secure.
- We retain information for as long as needed to provide Xylo Money, comply with legal obligations, resolve disputes, and enforce agreements.
Children
- Xylo Money is not intended for children under 13, and we do not knowingly collect personal information from children under 13.
Changes to this policy
- We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new effective date.
Contact us
If you have questions about this Privacy Policy or your personal information, contact us at help@xylo.money.