Privacy Policy

Effective Date: March 30, 2026
Last Updated: March 30, 2026

Nex (“we,” “our,” or “us”) is operated by XONE Holdings, Inc., a Delaware corporation.

We are committed to protecting your privacy and ensuring your data is handled securely, responsibly, and transparently.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use Nex.

1. Scope of This Policy

This Privacy Policy applies to:

• The Nex website
• The Nex mobile application
• All related services, features, and communications

By using Nex, you agree to the practices described in this policy.

2. Information We Collect

We collect only the information necessary to provide and improve Nex.

2.1 Information You Provide

• Name and email address
• Account credentials
• Financial information you choose to input
• Budgeting preferences, goals, and settings
• Communications with us

2.2 Financial Data

Depending on your usage, we may process:

• Transaction data
• Spending categories
• Income and expense information
• Financial goals and planning inputs

If you connect external financial accounts, data is accessed through secure third-party providers (such as Plaid or similar services).

Nex does not store your banking login credentials.

2.3 Automatically Collected Information

• Device type and operating system
• IP address and general location
• App usage and interaction data
• Log files and performance diagnostics

2.4 Cookies and Similar Technologies

We use cookies and similar technologies to:

• Maintain sessions and authentication
• Analyze usage and improve performance
• Remember preferences

For more details, see our Cookie Policy.

3. How We Use Your Information

We use your information to:

• Provide and operate Nex services
• Generate personalized financial insights
• Improve product performance and features
• Enhance user experience
• Detect fraud, abuse, and security risks
• Comply with legal and regulatory obligations

We do not sell your personal data.

4. Legal Basis for Processing

Where applicable, we process your data based on:

• Your consent
• Performance of a contract (providing Nex services)
• Legitimate interests (security, product improvement)
• Legal obligations

5. How We Share Information

We only share information when necessary and under strict safeguards.

5.1 Service Providers

We may share data with trusted third-party providers that support Nex, including:

• Cloud hosting and infrastructure providers
• Analytics services
• Payment processors
• Financial data aggregators (e.g., Plaid)

These providers are contractually required to protect your information and use it only for specified purposes.

5.2 Legal and Regulatory Requirements

We may disclose your information if required to:

• Comply with applicable laws or regulations
• Respond to legal requests or court orders
• Protect the rights, safety, and security of Nex, users, or the public

5.3 Business Transfers

If Nex is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

6. Data Retention

We retain your information only as long as necessary to:

• Provide our services
• Comply with legal obligations
• Resolve disputes and enforce agreements

When no longer needed, data is securely deleted or anonymized.

7. Data Security

We implement industry-standard security measures, including:

• Encryption where appropriate
• Secure data storage systems
• Access controls and monitoring

While no system is completely secure, we continuously improve our safeguards to protect your data.

8. Your Rights and Choices

Depending on your location, you may have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Restrict or object to processing
• Withdraw consent at any time

To exercise these rights, contact us at: inquiries@nexonefinance.com

9. International Users

Nex is operated in the United States.

If you access Nex from outside the United States, your information may be transferred to and processed in the United States or other jurisdictions where our service providers operate.

10. Children's Privacy

Nex is not intended for individuals under the age of 13 (or applicable minimum age in your jurisdiction).

We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy as Nex evolves.

Updates will be posted on this page with a revised “Last Updated” date.

Your continued use of Nex indicates acceptance of any updates.

12. Contact

If you have any questions about this Privacy Policy:

XONE Holdings, Inc.
inquiries@nexonefinance.com