1. Information We Collect

We collect the following types of information when you use our platform:

• Personal Information: Name, email address, phone number, and other identifying information you provide.
• Financial Information: Details of your assets, liabilities, accounts, and other financial data necessary for life and estate planning.
• Professional Information: Information related to your legal, financial, or insurance professionals, if you choose to connect with them through our platform.
• Usage Data: Information about how you access and use the Service, including log files, device information, IP address, browser type, and interactions with features.
• Documents and Uploads: Personal documents you upload (e.g., insurance policies, wills, or financial statements).

2. How We Use Your Information

We use your information to provide, operate, and improve our services. Specifically, we may use your information to:

• Create and manage your account.
• Facilitate estate planning and financial management services.
• Process data using artificial intelligence and other technologies to deliver insights, recommendations, and features of the Service.
• Connect you with legal, financial, and insurance professionals based on your preferences.
• Improve and personalize your experience on our platform.
• Communicate with you, including responding to inquiries and sending updates or notifications.
• Maintain the security and integrity of the Service.

Legal Bases for Processing (GDPR): If you are located in the European Economic Area, we process your personal information on the following legal bases: (i) your consent; (ii) where necessary to perform our contract with you; (iii) to comply with legal obligations; and (iv) for our legitimate business interests, such as improving and securing the Service.

3. Sharing Your Information

We do not sell your personal information to third parties. We may share your information in the following ways:

• Service Providers: With trusted vendors that perform services on our behalf, such as data hosting, analytics, or AI processing partners (for example, OpenAI or Plaid). These providers are only authorized to use your information as necessary to provide services to Arcault.
• Professional Connections: With your consent, we may share your information with attorneys, CPAs, or other professionals to support your life planning needs.
• Legal Requirements: If required by law or to protect our legal rights, safety, or property, we may disclose your information.

4. Data Security

We use reasonable and appropriate safeguards designed to protect your information from unauthorized access, use, or disclosure. However, no system or method of transmission over the internet can be guaranteed to be 100% secure.

5. Data Retention

We retain personal information for as long as your account is active or as needed to provide the Service. We may also retain information to comply with legal obligations, resolve disputes, and enforce agreements. If you request account deletion, we will delete or anonymize your personal information unless retention is required by law.

6. Your Rights

Depending on where you live, you may have certain rights regarding your personal information, including the right to:

• Access, update, or correct your information.
• Request deletion of your information.
• Restrict or object to certain processing.
• Request a copy of your information in portable form.
• Withdraw consent at any time, without affecting the lawfulness of processing based on consent before withdrawal.

If you are located in the European Economic Area, you also have the right to lodge a complaint with your local data protection authority.

To exercise these rights, please contact us at support@arcault.com. We may require verification of your identity before fulfilling your request.

7. California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to: (a) request details about the categories of personal information we collect, use, and disclose; (b) request access to or deletion of your personal information; (c) opt out of the sale or sharing of personal information (though Arcault does not sell your personal information); and (d) be free from discrimination for exercising your privacy rights. You may exercise these rights by contacting us at support@arcault.com.

8. International Data Transfers

If you are located outside the United States, please note that your information may be transferred to and processed in the United States or other countries where we or our service providers operate. We take steps to ensure that your information receives an adequate level of protection in the jurisdictions where it is processed, including the use of Standard Contractual Clauses where required.

9. Children’s Privacy

Our Service is not directed to children under the age of 13 (or 16 where required by local law). We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without appropriate consent, we will delete it.

10. Cookies and Tracking Technologies

We use cookies and similar technologies to enable the core functionality of the Service, analyze usage, and personalize your experience. Where required by law, we will ask for your consent before placing non-essential cookies on your device. You can adjust your browser settings to refuse cookies, but some features of the Service may not function properly without them.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. If we make significant changes, we will notify you by posting the updated policy on our website and updating the “last updated” date.

12. Contact Us