# Sumio – Privacy-First Net Worth & Portfolio Tracker

> Sumio is a privacy-first mobile app for tracking net worth, asset allocation, liabilities, and multi-asset investment portfolios across global markets with on-device encryption and AI financial assistance.

## Overview

Sumio provides automated financial tracking and analytics without compromising personal privacy. Users can monitor net worth evolution, track asset and liability allocations, and automatically update market values for stocks, ETFs, crypto, precious metals, currencies, and real estate.

- **Website**: https://www.sumio.app/
- **Free Net Worth Calculator**: https://www.sumio.app/net-worth-calculator
- **iOS App Store**: https://apps.apple.com/app/id1560198579
- **Google Play Store**: https://play.google.com/store/apps/details?id=com.fiduciaryapps.sumio
- **Platform Support**: iOS, iPadOS, Android (built with Flutter)

## Key Features

- **Net Worth & Portfolio Tracking**: Aggregate all assets and liabilities with multi-currency support (>100 currencies) and automatic FX conversion.
- **Global Market Data**: Automatic price updates for stocks, ETFs, mutual funds, cryptocurrencies, and precious metals across 50+ exchanges (US, Canada, Europe, Asia, Latin America, Africa).
- **AI Financial Assistant**: Ask questions and analyze asset allocations, net worth changes, and investment distribution safely.
- **Custom Categorization & Indicators**: Define personalized asset categories, tags, and financial indicators.
- **Security Lock**: Passcode, Touch ID, and Face ID biometric protection.
- **Backup & Sync**: Optional private backup and sync via Apple iCloud / Google Cloud.

## Privacy & Security Architecture

Privacy and trust are core architectural principles of Sumio:
- **On-Device Storage**: By default, financial data and records stay solely on the user's device.
- **Bank-Grade Encryption**: Local data is encrypted with 256-bit AES encryption.
- **No Personal Identifiers Required**: Sumio does not require names, government IDs, bank login credentials, or phone numbers.
- **No Broker/Bank Scraping Required**: Eliminates third-party aggregator credential sharing.
- **Zero Ads & No Data Selling**: We do not sell user data or display third-party advertisements.

## Pricing & Business Model

Sumio operates on a transparent, subscription-based model:
- **Free Tier ($0)**: Track up to 5 assets and unlimited liabilities, market data exploration, predefined categories, and basic watchlist.
- **Premium Monthly ($7.99 / month)**: Includes free trial, unlimited assets and liabilities, AI Assistant, custom categories/indicators, unlimited market data alerts, Security Lock, and Backup & Sync.
- **Premium Annual ($49.99 / year)**: Includes free trial and all Premium features at discounted annual pricing.

## Publisher & Company Information

- **Company**: Fiduciary s.r.o.
- **Company ID (IČO)**: 09050825
- **VAT ID (DIČ)**: CZ09050825
- **Registered Office**: Rybná 716/24, Staré Město, 110 00 Praha 1, Czech Republic
- **Contact Email**: support@sumio.app / info@sumio.app

## Frequently Asked Questions

### What can Sumio help me with?
Sumio provides answers to important questions related to financial analysis and planning: What is my Net Worth and how is it evolving? What is the total value of my assets and liabilities? How are my assets and liabilities allocated? What are the market value and allocation of my portfolio and investments?

### What data does Sumio get about me?
We do not collect personal IDs. If you create an optional account, you only share your email address. The app does not track or spy on users. We only collect anonymous telemetry and diagnostics to ensure app stability and performance.

### Do I have to enter data manually into the app?
Entering assets takes seconds, similar to creating a phone contact. Once entered, Sumio automatically updates exchange rates and market values for stocks, funds, ETFs, crypto, and precious metals.

### Where is my data stored?
By default, all data is stored locally on your device (phone/tablet) and encrypted using standard 256-bit AES encryption.

### What currencies and markets are supported?
Sumio supports over 100 global currencies with automatic conversion to your base currency, and market data from more than 50 exchanges worldwide.

### Are you financial advisors?
No, Fiduciary s.r.o. is an independent software development company, not a broker, agent, bank, or financial advisor.