There is a big difference between custodial and non-custodial wallets. A custodial wallet is a type of digital wallet which keeps access to your private keys. With a custodial wallet, your funds can still be recovered if you happen to lose or break your phone or forget your password, but what is important to note is that your wallet provider all the while has access to your digital wallet, and therefore your personal funds. A non-custodial wallet provider on the other hand provides the user with a private key (in the case of Zumo this is your Backup Phrase), and does not have access to users' wallet or funds. Whilst this ensures that you are the only person who can access your wallet, it also means that you have to be very careful not to lose or forget your Backup Phrase or you will lose access to your wallet and funds forever. Read more about your Backup Phrase and the importance of keeping it somewhere safe in this blog article.