Zoho as alterantive to google and outlook

For US minded consumer how secure is Zoho email for linking banking accounts to a Zoho email address say versus yahoo or aol. Also since the company is based in India any concerns for privacy or security like with Byte Dance and Tik Tok. I am curious because if any account information was stolen then what is the liability for example in a data breach vs say yahoo or aol. I do not want outlook or google or proton

Any alternatives that are very secure. What about an aol/yahoo account with 64 character password and 2FA would that be prefer secure in the event of a breach, all the bank accounts have 2FA as well but if they were able to breach the email that is my concern or if the company say decided to take that information.

Any ideas?