Privacy Policy

We share minimum data necessary with vetted infrastructure partners. Please review our complete, standalone Subprocessors List. If our processors transfer data internationally, we utilize standard contractual clauses or equivalent frameworks. Affiliate payout processing through Stripe Connect involves transfer of W-9/W-8-BEN tax form data, identity verification data, and payout history to Stripe, Inc. as a separate controller for purposes of payment processing, KYC, and tax reporting.

We utilize Anthropic's commercial APIs. Our platform attempts to strip direct system identifiers, but unstructured statement text is processed by AI.

• No Model Training: Anthropic is strictly prohibited from using your data to train their foundational models.
• Retention Limits: Data retention is subject to our enterprise agreement with Anthropic and Anthropic's then-current API and Zero Data Retention (ZDR) terms (generally limited to temporary Trust & Safety monitoring before absolute deletion).

We respect Global Privacy Control (GPC) and Sec-GPC signals where supported by your browser. Do Not Track (DNT) is not a uniformly standardized legal signal; where DNT is sent, we treat it as a request to disable optional analytics cookies, but make no broader DNT-based legal commitment. Our cookies and similar technologies are limited to:

• Essential session management (__session) — authentication and security; required for the Service to function.
• Referral attribution — A first-party cookie (and/or localStorage entry) that records a referral or Complimentary Grant code when a user arrives via a referral link. This is used solely to attribute Referees to Referrers (or Grant recipients to campaigns) for purposes of operating the Referral Program. It is not used for advertising, behavioral profiling, or cross-site tracking, and is not shared with any third party other than as required for fraud detection.
• Anonymized performance tracking (PostHog) — configured to scrub IP addresses and disable cross-site tracking.

We do not use third-party advertising cookies, retargeting pixels, or tracking technology operated by third-party advertisers.

For native-mobile contexts where browser cookies do not carry across the in-app boundary, we use server-to-server postback attribution and Universal Links (iOS) / App Links (Android) deep-link parameters. These mechanisms perform the same referral attribution function described above and are subject to the same use limitations.

When you participate in the Referral Program, we collect and process referral codes, attribution events, Subscription Credit ledger entries, and qualifying-referral-event data. This data is used solely to operate the Referral Program, detect fraud, and report program performance. It is not shared with advertising networks or used for ad targeting.

If you enroll as an Affiliate, additional data is processed through our payout provider (Stripe Connect), including tax form information (W-9 or W-8-BEN), payout cadence and history, identity verification (KYC), and 1099 reporting data. Stripe Connect processes this data as a separate controller under its own terms and policies. We retain Affiliate payout records for at least seven (7) years as required by tax law.

We additionally maintain audit records of Affiliate promotional content reviewed for FTC Endorsement Guide compliance for the period required to demonstrate compliance.

For non-U.S. Affiliates, personal information processed in connection with the Affiliate Program may be subject to additional local data-protection laws (for example, UK GDPR, EU GDPR, Canadian PIPEDA, Australian Privacy Act). Affiliates are responsible for compliance with local marketing, anti-spam, and data-protection law in any jurisdiction where they conduct promotional activity, including obtaining any consents required for the audiences they market to. ArthIQ's processing of Affiliate data is limited to operating the Affiliate Program; we do not market to audiences collected or built by Affiliates.

Our Service uses behavioral events (such as completing a Qualifying Referral, earning Subscription Credit, reaching a leaderboard rank, completing a qualified financial-account connection, or receiving a Complimentary Grant) to trigger relevant emails through our email service provider. These emails are part of operating the Service and the Referral / Affiliate / Grant Programs. You may opt out of program-related marketing emails through your account preferences; transactional emails (billing, security alerts, legal notices) and required Service notifications continue regardless.

Program-related emails that constitute commercial communications under the CAN-SPAM Act include a clear unsubscribe link, our valid postal address, truthful subject and header information, and accurate "from" attribution. We honor unsubscribe requests within ten (10) business days as required by applicable law.

Push notifications are sent only with your explicit operating-system-level consent and are limited to high-signal events as described in Section 8 of the Terms of Service.

In-app promotional surface display, dismissal, and action events are logged for measurement and frequency-cap enforcement. These logs are not used for advertising and are not shared with advertising networks.

We implement encryption in transit (TLS) and at rest. In the event of a verified data breach compromising your sensitive unencrypted personal information, we will provide legally required notices without unreasonable delay and within the timeframes required by applicable law. Where the FTC Safeguards Rule applies, we will notify the FTC of qualifying notification events within the required period (typically 30 days of discovery for events involving 500 or more consumers).

The Service is restricted to adults 18 and older. We do not knowingly collect personal information from children under 13 in accordance with the Children's Online Privacy Protection Act (COPPA). If we become aware that we have collected personal information from a child under 13, we will delete it promptly. Parents or guardians may contact legal@thearthiqdaily.com.

Residents of states with comprehensive consumer privacy laws (including but not limited to California, Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others) may have specific rights regarding their personal information.

Where applicable, you have the right to:

• Access, Correct, and Delete your personal information.
• Export / Port your data in a usable format.
• Opt-out of targeted advertising, sale, or profiling.
• Limit the use of sensitive personal data.
• Profiling Carve-out: We do not engage in profiling in furtherance of decisions producing legal or similarly significant effects concerning consumers.

To Exercise Rights: Email legal@thearthiqdaily.com or use the in-app deletion tool.

• Appeals Process: If we decline to take action regarding your request, you may appeal our decision by emailing legal@thearthiqdaily.com with the subject line "Privacy Request Appeal."
• Authorized Agents: You may designate an authorized agent to make a request on your behalf. We will require verifiable proof of the agent's authorization.

Some features may allow you to enter information about another person, such as a spouse, dependent, beneficiary, executor, trustee, advisor, household member, or emergency contact. When you submit such information, you represent that you have a lawful basis or appropriate permission to provide it. We use this information only to provide, secure, and support the requested feature. The person whose information was submitted may request deletion by emailing legal@thearthiqdaily.com.

When you sign up via a referral link, ArthIQ records the referral code in the attribution mechanisms described in Section 4 for the purpose of attributing your subscription to the Referrer. The fact of a referral, the Referrer's identifier, your subscription tier, and your subscription payments are processed for Referral Program operation; the Referrer does not see your personal information beyond their own attribution dashboard (which may show aggregate counts and qualifying status but not Referee identity or financial data).

• Email: legal@thearthiqdaily.com
• Mailing Address: ArthIQ, Inc., 1465 Saint Francis Dr, San Jose, CA 95125