ARCHITECT FINANCIAL TECHNOLOGIES INC.
PRIVACY POLICY
Last Updated: October 7, 2026
This Privacy Policy describes how Architect Financial Technologies Inc., and its affiliates and subsidiaries (collectively, “Architect,” “we,” or “us”) will collect and use personal information and the circumstances under which we may share this information. This Privacy Policy applies to all visitors to Architect’s website located at https://www.architect.co (the “Website”), those accessing Architect’s products and services (collectively, our “Services”), or when you otherwise interact with us directly, such as through our customer support channels or on social media. We may provide different or additional notices of our privacy practices with respect to certain products or services, in which case such notices will supplement but not supersede this Privacy Policy.
CONTENTS
Collection and Use of Information
Disclosure of Information
Transfer of Information to the United States and Other Countries
Retention of Information
Cookies and Similar Technologies
Security
Your Rights
California “Shine The Light” Law
Your Choices
Updates to this Privacy Policy
Contact Us
COLLECTION AND USE OF INFORMATION
We may collect the following information about you during your interaction with the Website and/or Services:
| Category of Information | Purpose/Lawful basis | Type of Information Collected | Method of Collection |
|---|---|---|---|
| Onboarding, Know Your Client and Account Creation Information | Legal obligation under financial services laws and regulations. | Name, email address, phone number, business information such as company name and job title, social security number, birth date, photo ID, country of residence and nationality, national and governmental identification information, and financial, banking or other payment related details. | Directly from you or your employerFrom third parties, e.g. identity verification services, fraud prevention agencies, websites, and other publicly accessible information. |
| Contact information | Our legitimate interests in:Sending you technical notices, security alerts, support messages and other transactional or relationship messagesCommunicating with you about products, services and events offered by Architect and others and provide news and information that we think will interest you (see the “Your Choices” section below for information on how to opt out of these communications at any time)Sending you information related to your use of our Services, including but not limited to confirmations, receipts, invoices, and customer surveysTo comply with our legal, regulatory and financial obligations. | Name, email address, postal address, phone number. | Directly from you or your employer |
| Usage Information | Our legitimate interests in:Providing, maintaining, improving and developing new products and services, including debugging and repairing errors in our ServicesProcessing transactionsMonitoring and analyzing trends, usage and activities in connection with our products and servicesDetecting, investigating and helping prevent security incidents and other malicious, deceptive, fraudulent or illegal activity and help protect the rights of Architect and othersTo comply with our legal, regulatory and financial obligations | Information related to your use of and interactions with our Services, such as your name, account information, interactions with our Website, and trade activity.Device information (e.g. data about the device and network you use, such as your hardware model, operating system version, mobile network, IP address, unique device identifiers, browser type, and app version)Cookies and beacons | Directly from you or your employerAutomatically |
| Communication Information | Our legitimate interests in:Sending you technical notices, security alerts, support messages and other transactional or relationship messagesCommunicating with you about products, services and events offered by Architect and others and provide news and information that we think will interest you (see the “Your Choices” section below for information on how to opt out of these communications at any time)Sending you information related to your use of our Services, including but not limited to confirmations, receipts, invoices, and customer surveys | Any information included in communications between you and Architect | Directly from you |
| Employment application Information | Our legitimate interests in assessing and recruiting prospective employees | Name, address, email and phone numberEducation and employment historyAny other information provided or recorded with respect to your application | Directly from youFrom third parties, e.g. LinkedIn, your referencesDerived by us |
| Social Media Information | Our legitimate interests in communicating with you about products, services, and events offered by Architect and others. | Any information submitted through social media or other channelsIP address, which page you are visiting on our Services | Directly from youFrom third parties, e.g. social media platformsDerived by us |
Please review our Privacy Notice located at: https://www.architect.co/legal for a description of our processing and disclosure activities regarding the non-public personal information we collect from and about you.
Our Website and Services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children, and we do not sell or share the personal information of anyone under 18.
If you make a purchase, we work with third-party payment processors to collect and process your payment information. These include Plaid Inc. and Stripe, LLC. We do not store full payment card numbers.
DISCLOSURE OF INFORMATION
We may disclose personal information in the following circumstances or as otherwise described in this policy:
- To business partners with which we work to provide the Services, including the Plaid group of entities.
- To inference providers that process requests you submit through Architect’s Liquid Inference, as described in the “Liquid Inference” section above.
- To our vendors, service providers, and other third-parties that access personal information in order to perform functions on our behalf.
- To our integration partners.
- In connection with an employment application to verify the information you provide, for example in order to conduct background checks and/or in communication with your referees.
- Where we deem disclosure is necessary in accordance with, or required by, any applicable law or legal process.
- We may disclose personal information if we believe that your actions are inconsistent with, or that you have violated, our Website Terms of Service and/or Services related agreements or any Architect policies.
- To our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.
- In connection with, or during negotiations concerning, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
- Between and among Architect and our current and future parents, affiliates, and subsidiaries and other companies under common control and ownership.
- With your consent or at your direction.
TRANSFER OF INFORMATION TO THE UNITED STATES AND OTHER COUNTRIES
Architect is headquartered in the United States and we have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction. Where required by law, we provide adequate protection for the transfer of personal data in accordance with applicable law, such as by obtaining your consent, relying on the European Commission’s adequacy decisions, or executing the latest EU Standard Contractual Clauses or the UK Addendum issued by the UK Information Commissioner’s Office (as applicable). For customer of Architect’s Liquid Inference, inference providers may process requests in the countries disclosed in their listings, and our Data Processing Agreement includes additional transfer terms for personal information our customers submit.
RETENTION OF INFORMATION
We will only retain personal data for as long as we have a legitimate basis for doing so, including for the purposes of satisfying any legal, regulatory, commercial, accounting, or reporting requirements.
To decide on the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
We will generally retain information relating to business relationships for as long as there is an ongoing relationship and an appropriate period following the end of that relationship. Once we have no legal or commercial reasons to retain personal data, it will be securely deleted or destroyed.
COOKIES AND SIMILAR TECHNOLOGIES
We use cookies and similar technologies on our websites to keep them secure and working, to remember your settings, and, with your consent where required, to understand how they are used through Google Analytics and PostHog. On the Liquid Inference website and application, PostHog records which pages and features are used, and, with your consent, recordings of your sessions that hide what you type. We do not use targeting or advertising cookies. For details and your choices, see our Cookie Notice.
SECURITY
We use technical and organizational measures designed to protect personal information, such as access controls and encryption in transit. No system is completely secure, and we cannot guarantee the security of information you send to us.
YOUR RIGHTS
If you are located in the United Kingdom, the European Economic Area, certain US states, or any other location with equivalent data protection regimes, you may have certain rights under applicable data protection laws in relation to your personal data.
- Request access to your personal information. This right is commonly known as a “data subject access request” and enables you to receive a copy of the personal information we hold on you and to check that we are lawfully processing it.
- Request correction of the personal information that we hold about you. This right enables you to have any incomplete or inaccurate information we hold about you corrected. Please keep us informed if your personal information changes during your relationship with us.
- Request erasure of your personal information. This right enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process such personal information. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
- Object to processing of your personal information. Where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground, you may exercise this right. You may also object if we ever process your personal information for direct marketing purposes.
- Request the restriction of processing of your personal information. This right enables you to ask us to suspend the processing of personal information about you, for example, if you want us to establish its accuracy or the reason for processing such personal information.
- Request the transfer of your personal information to another party. This right enables you to request for your data to be transferred to another party in a portable format.
- Withdrawal of consent. If we have collected and processed your personal data with your consent, then you can withdraw your consent at any time.
- Right to lodge a complaint with a supervisory authority. You have the right to complain to a supervisory authority about our collection and use of your personal data. For more information, please contact your local supervisory authority.
If you want to exercise any of these rights, please contact us using the contact information below. We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.
Additional U.S. state rights. Depending on where you live, you may also have the right to appeal our decision on your request, to opt out of the sale or sharing of personal information or of targeted advertising, and not to be discriminated against for exercising your rights. You may use an authorized agent where the law permits. We do not sell personal information or share it for cross-context behavioral advertising. Where we process personal information on behalf of a business customer, such as personal information in Liquid Inference Prompts, we may refer your request to that customer.
We note that where requests are manifestly unfounded or excessive, in particular because of their repetitive character, we may refuse to act on the request.
CALIFORNIA “SHINE THE LIGHT” LAW
Where businesses disclose personal information of California residents to third parties for their direct marketing purposes, California law requires them to either provide a mechanism to obtain more information about these disclosures from the previous calendar year, or provide a mechanism for California residents to opt out of these disclosures. We do not disclose your personal information to third parties for their direct marketing purposes, so we are not required to provide an opt-out.
YOUR CHOICES
Account Information
You may update, correct certain account information, or deactivate your account at any time by contacting us at [email protected]*.* Please note that we may retain certain information as required by law, our regulatory requirements, or for our legitimate business purposes.
Communications Preferences
You may opt out of receiving promotional emails from Architect by following the instructions in those communications or by emailing us at [email protected]. If you opt out, we may still send you non-promotional emails, such as those about your account or our ongoing business relations.
UPDATES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time to reflect changes to our privacy practices. We will post the updated version with a new “Last Updated” date and, where required by law, give you additional notice of material changes. We encourage you to periodically review this page for the latest information on our privacy practices, and any use of our Website after any updates constitute your acknowledgement that you have read the updated Privacy Notice.
CONTACT US
If you have any questions about this Privacy Policy, please contact us at [email protected] or by mail at the following address: Architect Financial Technologies Inc. 1 E Erie St, Suite 525-5211, Chicago, IL 60611.