Privacy Policy

Effective Date: May 25, 2026
Company: ArthIQ, Inc. ("The ArthIQ Daily", "we", "us", or "our")

Pursuant to the California Privacy Rights Act (CPRA) and other applicable state laws, we provide this Notice at Collection.

• We do not sell your personal data.
• We do not "share" your personal data for cross-context behavioral advertising.

Sensitive Personal Information: We collect sensitive personal information only as reasonably necessary to provide the Service, secure accounts, process user-authorized financial data, and comply with legal obligations. We do not use or disclose sensitive personal information to infer characteristics about you except as necessary to provide the Service you request.

ArthIQ operates within the modern U.S. financial regulatory framework:

• GLBA / Regulation P & FTC Safeguards: We collect Non-Public Personal Information (NPI) from your financial institutions through our account-linking providers. We maintain administrative, technical, and physical safeguards designed to protect this NPI.
• CFPB Section 1033: When The ArthIQ Daily accesses covered financial data through a consumer-authorized connection and operates as an authorized third party, our design is intended to support Section 1033 authorized-third-party controls, including explicit authorization and purpose-limited use.

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.

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), Do Not Track (DNT), and Sec-GPC signals in modern browsers. Our cookies are limited to essential session management (__session) and anonymized performance tracking (PostHog), which is configured to scrub IP addresses and disable cross-site tracking.

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.

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