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Bank and private data stored on your mobile phones can be easily accessed and used or sold as the server sees fit. Privacy is non-existent. The high- tech cyber thieves can access and use the data usually to incriminate, destroy your credit by substitution of your credit history with a carefully crafted one. The forms and methods of abuse is endless. Don't belief the story of encryption of password. That can easily be broken in two easy steps by your server who is the legal custodian of your
secrets.