The exceptions fall in the experimental area of encryption. What I mean by that is that the most applications you use today, WhatsApp, Signal, Banking apps, are all encrypted with a military grade encryption, but if you go try out experimental encrypting algorithms then you are at risk. Note that the latter does not happen in your regular day to day life, encryption standards are extremely uniform.

Edit: also, be aware that the applications that have implemented an unbreakable encryption algorithm can still decrypt your files as they have the keys to decrypt them. They're bound to not do it going by the privacy agreement but they potentially can. There are exceptions to it, like Apple's advanced E2E standard where not even Apple has your keys.