Your privacy is critically important to us.
Arpari works with lenders and other third parties to deliver Services to consumers. Arpari does not share personal financial data with employers unless you explicitly opt-in to do so to access additional features. Arpari does share anonymous or aggregated data with employers to communicate high-level insights and users cannot limit this type of sharing.
Like most website operators, Arpari collects non-personally identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Arpari’s purpose in collecting non-personally identifying information is to better understand how Arpari Inc.'s visitors use its website. From time to time, Arpari may release non-personally identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Personal Information We Collect.
Certain visitors to our Services choose to interact with Arpari in ways that require Arpari to gather personally identifiable information (PII). The amount and type of information that Arpari gathers depends on the nature of the interaction. For example, we may use the information you provide when you complete an online application for a product or service in order to process and evaluate your application. If you request product information, we may use the information you provide to mail you information you request.
This information may include, but is not limited to: legal name; address; social security or taxpayer identification number in whole or in part; phone numbers (including mobile); account number; account number at a bank or other financial institution, type of bank account and the name of bank or other financial institution; email address; email referral information; date of birth; employment information; income information; internet protocol (IP) address and/or domain; geo-location of your computer or mobile device; mobile carrier and/or internet service provider.
We use personal information collected online for various functions, which may include: processing your request for services, products or information; improving our customer service and products servicing your account; facilitating your participation in online activities.
We may also use the information you provide to contact you regarding your account. In addition, we may collect and use information for analytic purposes, market research or for marketing purposes, as allowed by law. When you are no longer our customer, we may continue to share your information as described in this notice. For more information on the Personal Information we collect and how we use it, please refer to “Categories of Sources of Personal Data”, “How Personal Information is Protected and Shared”, and the “Consumer Privacy Notice” below.
Some of the data listed above, such as name, date of birth, taxpayer identification or social security number, and other personal/financial information, may be regulated by federal and state laws and regulations, such as the Gramm-Leach-Bliley Act (the “GLBA Act”). To the extent such data is subject to the GLBA Act, please refer to our consumer privacy notice below.
Arpari may collect information from your device about your location while you are accessing or using our Services and while you are not accessing or using Services. We may use this information to enhance your security while using our Services or to provide targeted offers to you. You may opt out of the collection of location data at any time by changing your settings on your mobile device. However, if you do so, certain features of the Services may not be available to you or the performance of certain features of the Services may be limited or not work at all.
Arpari’s Web Application supports biometric authentication. If you enabled such settings on your device, you may be asked to scan your face or provide your fingerprints to verify your identity. Arpari and its service providers may collect such information (including the biometric data contained therein) in order to verify your identity and provide our Services.
We seek to protect your Personal Information from unauthorized access, use, and disclosure using appropriate physical, technical, organizational, and administrative security measures. You can help protect your data by selecting, using, and protecting a unique password and/or other sign on mechanism and limiting access to your devices. The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is completely secure.
We will retain your account and Personal Information for as long as your account is active or as needed to provide you our Services. We will retain and use your information as necessary to comply with our legal obligations and regulation, to resolve disputes, and to enforce our agreements.
Links To External Sites.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.
Arpari may collect statistics about the behavior of visitors to its website and users of our Services. Arpari may display this information publicly or provide it to others.
To enrich and perfect your online experience, Arpari Inc. uses "cookies" and similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.
If Arpari, or substantially all of its assets, were acquired, or in the unlikely event that Arpari Inc. goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Arpari Inc. may continue to use your personal information as set forth in this policy. We will make reasonable efforts to notify you if your information becomes subject to different privacy policies.
If you are a registered user of Arpari’s Services and have supplied your Personal Information, Arpari may occasionally send you an email, SMS, or push notification to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Arpari and our products. We primarily use our blog to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Arpari takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Arpari’s Services are intended for US-based businesses and consumers. If you are located outside of the United States, your information may be recorded and processed in the United States. We currently do not offer products or services to non-U.S. users.
Categories of Sources of Personal Data.
We collect personal information from the following sources:
By providing information directly to us - by signing up, opening an account, or accessing our Services in other ways, you are required to share personal information to help Arpari and our partners verify your identity and fulfill your requests. Some information is required depending on the Service you wish to access, while some may be voluntary. You may be required to share Personal Information to our customer support team through email, SMS, in-app chat, or phone to verify your identity;
Lenders. Arpari works with lenders to distribute our Services to their current and prospective customers. Our lender partners may share nonpublic personal information with Arpari including name, email address, phone number, address, date of birth, tax-identification information, and other personal or financial information to offer you access to our Services.
Bank Partner. When you use certain services offered by Arpari, we may collect personal and account information from our bank partner.
Financial Vendors. By performing certain actions, such as connecting an existing bank account, we collect financial and personal information to help deliver our Services and complete your requests. We may collect usernames, passwords, account numbers, and other information. By using Arpari’s Services, you authorize Arpari, Plaid, and other third party financial vendors to act on your behalf to access and transmit nonpublic personal information in accordance with our partners’ privacy policies.
Vendors. We may work with third party partners that help us generate leads, understand our user base, and complete your requests.
How Personal Information is Protected and Shared.
Arpari discloses Personal Information only to those of its employees, contractors, service providers, and affiliated organizations that (i) need to know that information in order to process it on Arpari's behalf or to provide Services, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors, service providers, and affiliated organizations may be located outside of your home country; by using Arpari’s Services, you consent to the transfer of such information to them.
We do disclose your Personal Information to the categories of service providers, partners, and other parties listed in this section. Depending on state law that may be applicable to you, some of these disclosures may constitute a “sale” of your nonpublic personal data.
1. Service Providers. Service providers are third-parties that help us provide our Services or perform business functions on our behalf. They include payments processors and networks, financial institutions such as Grasshopper Bank, financial infrastructure services, identity verification services, authentication vendors, customer service and support software and providers, risk and fraud monitoring tools, web hosting partners, analytics providers, mobile check deposit software, and employer partners on distribution and fulfillment of Services.
2. Marketing Partners. We work with various third parties to market our Services including employers, marketing partners, and ad networks.
3. Parties you Authorize or Authenticate. In order to process your requests, we may ask you to authenticate a third party to access and share information on your behalf, including identity services, financial institutions through Plaid, and employers.
4. As Required By Law. We may preserve and disclose your Personal Information, other account information, and content if we believe doing so is required or appropriate to: comply with law enforcement requests and legal process, such as a court order or subpoena; respond to your requests; or protect yours', ours' or others' rights, property, or safety.
Our Commercial or Business Purposes for Collecting Personal Data
1. Service Providers described above help us deliver complete Services to you.
2. Marketing Partners help us market and sell the Arpari Services.
3. Parties you Authorize or Authenticate help us process your requests and provide important information to keep our services safe, compliant, and reduce fraud.
4. Our Legal Requirements help us fulfill our legal obligations under applicable law, regulation, court order or other legal process. Arpari and our financial partners may be required to collect and maintain information records relating to anti-money laundering, know your customer, Bank Secrecy Act, GLBA and other legal and regulatory oversight.
5. Correspondence With You is important for our business. To process and respond to your requests, we collect and store Personal Information.
Arpari’s Contact Information
New York, NY
Consumer Privacy Notice
What does Arpari Inc. do you with your personal information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice to carefully understand what we do.
What? The types of personal information we collect depend on the product or service you have with us. This information can include: (1) tax payer identification numbers; (2) account information; and (3) account balances and credit history
How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Arpari chooses to share; and whether you can limit this sharing
Reasons we can share your personal information
Does Arpari Inc. share? Can you limit this sharing? For our everyday business purposes, such as transaction processing, maintaining your account, and responding to court orders and legal investigations Yes No For our marketing purposes – to offer our products and services to you Yes No For join marketing with lenders and other companies Yes No For our affiliates’ everyday business purposes – information about your transactions and experiences No We don't share For our affiliates’ everyday business purposes – information about your creditworthiness No We don't share For our affiliates to market to you No We don't share For our nonaffiliates to market to you No We don't share