End User Privacy Policy

This Privacy Statement describes how Arcus Financial Services, Inc. (“Arcus”, “we”, “us” and “our”) collects, uses and discloses data that may identify you personally.


Arcus is a software provider that provides a bridge between your bank or financial management app to other services you use like credit cards, student loans, and utility companies. Our software works behind-the-scenes powering financial management tools that are provided to you by others.


Even though we live behind-the-scenes, we run a business of transparency and this privacy statement is designed to answer all of your questions about how we collect and use your information.


We share data with other businesses where you hold accounts but this privacy statement only applies to us. We encourage you to review the privacy policies of each company you deal with.


DATA WE MAY RECEIVE
Here is the data that we may receive about you when you use our services:
Identity data: your full name, maiden name, username or similar unique identifier, marital status, title, date of birth, and gender.
Contact data: your mailing addresses, email addresses, and telephone numbers.
Financial data: your payment card details.
Technical data: your IP address, login times, browser type and versions, operating system, cookies stored by your browser, and the identity of any devices you use to access this website and our services.
Profile data: your username, password, and multi-factor authentication credentials.
Usage data: data about how you use our products and services.
Account data: bill amount due, payment history, bill due date, and account numbers (and identity data about the account holder(s), if different from you).
HOW WE USE YOUR DATA

Our core business is sharing data between services that you use. Our software allows your bank or financial management app to bring information from all of your different accounts into their application. We use your data to maintain these links.

We also use your data to monitor our own performance, to improve our services, for customer support, for fraud prevention and, if necessary, to comply with valid law enforcement requests.

HOW WE DISCLOSE AND PROTECT YOUR DATA

First things first, we will not resell data that may identify you personally or share it in any way except as stated here.

We protect your data with an appropriate, independently audited data security program. We encrypt data during transmission and at rest, we use access controls, robust firewalls, and we have multiple teams constantly looking for anything out-of-the-ordinary.

We share your data with your bank or financial management application. We may also share your data with our company affiliates, service providers, and contractors that work for us, law enforcement (under valid request), and with anyone with whom you consent for us to share.

We may also collect, share, and use de-identified data for any purpose permitted under applicable law.

WITHDRAWING YOUR CONSENT

You may withdraw your consent to our collection, use, and disclosure of your data at any time, subject to contractual and legal restrictions and reasonable notice. If you withdraw your consent, we may no longer be able to provide any services to you. If we have provided or are providing services to you, your consent will be valid as long as necessary to complete tasks that are in process.

We always reserve the right to make necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records and disclosures to government entities as required to comply with laws).

We may also be required or permitted under statute or regulation to collect, use, or disclose data without your consent, for example, to comply with a court order, to comply with local or federal regulations, or a legally permitted inquiry by a government agency.

CHANGES

Arcus reserves the right to modify this Privacy Statement from time to time. You can get updated Privacy Statements by visiting our website at www.arcus.com. We urge you to review this Privacy Statement frequently to obtain the current version. Your continued provision of your data or use of our services following any changes to this Privacy Statement constitutes your acceptance of any such changes.


CONTACT US

If you have questions about our privacy practices or data we maintain about you contact us at the following:


BY MAIL:

Arcus Financial Services, Inc. 214 W. 29th St, New York, NY 10001.