Privacy Policy

1. Introduction

Xcape Net Worth ("XcapeSuite," "we," "us," or "our") operates the Xcape Networth platform, a web-based application designed to help individuals track their net worth for U.S. expatriation compliance purposes. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

By accessing or using Xcape Networth, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the platform.

2. Who We Are (Data Controller)

The Xcape Networth platform is operated by XcapeSuite Inc., the legal entity responsible for the personal data described in this policy (the "data controller"). Any reference to "XcapeSuite," "we," "us," or "our" in this policy means XcapeSuite Inc.

For any privacy-related questions, requests, or complaints, please contact our Data Protection Officer at privacy@xcapenetworth.com.

3. Information We Collect

Account Information

When you create an account, we collect your email address and authentication credentials. We use third-party authentication providers and do not store passwords directly.

Financial Information

To provide our services, we collect information about your assets, liabilities, and financial accounts that you enter into the platform. This includes asset descriptions, valuations, currency denominations, and related metadata necessary for Form 8854 compliance calculations.

Usage Data

We automatically collect certain information when you access the platform, including your IP address, browser type, operating system, referring URLs, pages visited, and timestamps. This data helps us improve the platform and diagnose technical issues.

4. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Xcape Networth platform
• Calculate your net worth and generate Form 8854 compliance reports
• Process your subscription and manage your account
• Facilitate secure collaboration with your authorized advisors
• Send you service-related communications, including updates and security alerts
• Improve and optimize the platform based on aggregated usage patterns
• Comply with legal obligations and enforce our terms of service

5. Information Sharing

We do not sell your personal information. We may share your information in the following limited circumstances:

• Authorized Advisors: When you explicitly grant access to a professional advisor through the platform, they can view information you have shared with them.
• Service Providers: We use third-party services for hosting, authentication, payment processing, and analytics. These providers are contractually obligated to protect your data.
• Legal Requirements: We may disclose information if required by law, regulation, legal process, or governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

6. Data Security

We implement industry-standard security measures to protect your information, including encryption in transit (TLS) and at rest, secure authentication mechanisms, and regular security assessments. Your financial data is stored in encrypted databases with strict access controls.

While we strive to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security.

7. Cookies and Tracking

We use essential cookies to maintain your session and authentication state. We may also use analytics cookies to understand how users interact with the platform. You can control cookie preferences through your browser settings, though disabling essential cookies may prevent the platform from functioning properly.

8. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your account and associated data.
• Export: Request a machine-readable export of your data.
• Objection: Object to certain processing activities.

To exercise any of these rights, please contact us at the email address provided in the platform. We will respond to your request within 30 days.

9. Data Retention

We retain your account and financial data for as long as your account is active or as needed to provide services. If you delete your account, we will remove your personal data within 30 days, except where retention is required by law or for legitimate business purposes such as resolving disputes.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the platform and updating the "Last updated" date. Your continued use of the platform after changes constitutes acceptance of the revised policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact the data controller using the details below: