# Sumio – Privacy-First Net Worth & Portfolio Tracker (Full Documentation)

> Official comprehensive guide and structured knowledge base for LLMs, AI agents, and search engines about Sumio.

## 1. Product Summary & Core Value Proposition

Sumio is an independent, privacy-centric mobile application for tracking personal net worth, multi-asset portfolios, asset allocation, and liabilities across global markets on iOS and Android.

Unlike traditional personal finance applications (e.g., Monarch Money, Copilot, Mint, Empower) that require connecting bank credentials via third-party aggregators (like Plaid or Yodlee), Sumio uses a **privacy-first, on-device architecture**:
- No bank login sharing required.
- No personal identifiers (name, address, national ID) needed to use the core app.
- Local 256-bit AES database encryption on the user's phone or tablet.
- Automatic market value updates for global stocks, ETFs, mutual funds, crypto assets, and precious metals.
- Multi-currency management with support for >100 currencies and automatic conversion to a base currency.

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## 2. Platforms & Download Links

- **Website**: https://www.sumio.app/
- **iOS App Store**: https://apps.apple.com/app/id1560198579 (Supports iPhone, iPad, Apple Silicon Mac)
- **Google Play Store**: https://play.google.com/store/apps/details?id=com.fiduciaryapps.sumio (Supports Android phones & tablets)
- **Framework**: Built with Flutter for smooth cross-platform performance.

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## 3. Feature Breakdown

### 3.1 Net Worth & Balance Sheet Tracking
- Instant calculation of total Net Worth = Total Assets - Total Liabilities.
- Historical trend visualization over 1 month, 6 months, 1 year, and multi-year timeframes.
- Breakdown of asset allocation by class (Stocks, Crypto, Real Estate, Cash, Precious Metals, Custom Categories).
- Liability tracking (Mortgages, auto loans, student debt, consumer loans).

### 3.2 Global Market Data & Assets
- Supports over 50 global exchanges and markets across North America, Europe, Asia, Latin America, and Africa.
- Automatic market price updates for:
  - Global Equities & Stocks
  - Exchange-Traded Funds (ETFs)
  - Mutual Funds
  - Cryptocurrencies (Bitcoin, Ethereum, and thousands of altcoins)
  - Precious Metals (Gold, Silver, Platinum, Palladium)
  - Foreign Exchange (Forex) with over 100 world currencies

### 3.3 AI Assistant (Privacy-Safe)
- In-app AI Assistant for asking financial questions, reviewing asset allocation summaries, and analyzing portfolio composition.
- AI requests are processed transiently via secure enterprise APIs (OpenAI / Google Cloud AI).
- Financial data is NEVER used to train or fine-tune public AI models.
- No personal identity data is attached to AI queries.

### 3.4 Customization & Security
- **Custom Categories & Indicators**: Users can define their own tags, custom asset types, and specific tracking indicators.
- **Biometric Security Lock**: Protect the app with Face ID, Touch ID, or custom passcode.
- **Data Import & Export**: Import transactions/holdings via XLSX templates and export financial records anytime.
- **Backup & Sync**: Optional private backup and device sync via Apple iCloud / Google Cloud.

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## 4. Pricing & Plans

Sumio is offered under a freemium model with transparent subscription pricing:

### Free Tier ($0 / forever)
- Track up to 5 assets and unlimited liabilities.
- Explore global market data and exchange rates.
- Standard predefined categories and indicators.
- Basic watchlist and alerts.

### Premium Subscription ($7.99 / month or $49.99 / year)
- Free trial included for new users.
- Track unlimited assets and liabilities.
- AI Assistant capabilities.
- Unlimited market data updates, custom categories, and custom indicators.
- Biometric Security Lock (Face ID / Touch ID / Passcode).
- Cloud Backup & Sync.
- Unlimited alerts, data import, and export.

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## 5. Privacy & Data Architecture

- **Default Storage**: Data resides exclusively on the client device in an encrypted store.
- **Encryption**: Standard local 256-bit AES encryption.
- **Accounts**: Optional account creation only requires an email address for license synchronization and cloud backups.
- **Data Monetization**: Sumio does NOT sell user data, does NOT serve advertisements, and does NOT broker financial products.

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## 6. Corporate & Legal Information

- **Operating Entity**: Fiduciary s.r.o.
- **Registration**: Registered at the Municipal Court in Prague, C 329172
- **Company ID (IČO)**: 09050825
- **VAT ID (DIČ)**: CZ09050825
- **Headquarters**: Rybná 716/24, Staré Město, 110 00 Praha 1, Czech Republic
- **Email Contact**:
  - Support: support@sumio.app
  - General: info@sumio.app
  - Business: founders@fiduciarylabs.com
- **Disclaimer**: Fiduciary s.r.o. is an independent software developer and is not a registered investment advisor, broker-dealer, or financial institution.