Privacy Policy

1. Introduction

Arro Group, Inc. ("Arro," "we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and related financial services (collectively, the "Services"). Please read this policy carefully. If you disagree with its terms, please discontinue use of our Services.

2. Information We Collect

We may collect the following categories of personal information:

• Identity Information: Name, date of birth, Social Security number, and government-issued ID details.
• Contact Information: Email address, phone number, and mailing address.
• Financial Information: Bank account details, transaction history, credit information, and payroll data.
• Device & Usage Data: IP address, browser type, operating system, pages visited, and app usage patterns.
• Location Data: General location inferred from your IP address or, with your permission, precise GPS location.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our Services.
• Verify your identity and prevent fraud.
• Process transactions and send related notices.
• Comply with legal and regulatory obligations.
• Communicate with you about products, services, and promotions (with your consent where required).
• Analyze usage trends to enhance user experience.

4. Sharing Your Information

We do not sell your personal information. We may share your information with trusted third parties including our banking partners (Choice Financial Group, Member FDIC; Cross River Bank, Member FDIC), service providers who assist in operating our platform, and regulatory or law enforcement authorities when required by law. All third parties are contractually obligated to protect your data and use it only for the purposes we specify.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we securely delete or anonymize it.

6. Your Rights & Choices

Depending on your location, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data (subject to legal retention requirements).
• Opt out of marketing communications at any time.
• Lodge a complaint with your local data protection authority.

To exercise these rights, please contact us at privacy@arrogroup.net.

7. Security

We implement industry-standard technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze traffic, and personalize content. You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of our Services.

9. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of our Services after any changes constitutes your acceptance of the revised policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:
Arro Group, Inc.
Email: privacy@arrogroup.net