last Updated. OCt 30, 2021

Privacy Policy

Artoh Inc., (“Artoh,”the “Company” or "Us") recognizes, respects and protects the personal privacy rights of all our customers and works diligently to safeguard your privacy. We are committed to providing security and privacy regarding the collection and use of our customers’, potential customers’, partners’ and suppliers’ personal data.


Artoh takes your privacy seriously. This Online Privacy Policy explains how the Company gathers and processes your personal data in compliance with the relevant data protection regulations, laws and guidance. Together with our Website Terms and Conditions, this policy provides you with important information regarding your rights and obligations, and explains how, why and when we collect and process your personal data, including on our websites and other online or offline offerings (collectively, the “Services”). Please read this Online Privacy Policy carefully before using our Services.

References to “you” and “your” mean each natural or legal person who uses our website or the associated products or services, and also includes the owners, executive officers, senior managers and general partners of any business that requests or receives products or services from Artoh, and any other individuals who perform similar functions (the “Principals”). References to the “business” mean the individual, corporation, association, partnership, limited liability company, estate, trust, or any other entity that applies for or obtains products and services from Artoh. All other terms have the meanings provided under applicable law.

1. What Categories of Personal Data Do We Collect?

Artoh processes your personal data to meet our legal, statutory, and contractual obligations, and to provide you with our Services. We do not process your information other than as specified in this Online Privacy Policy.

The types of personal data that we collect depends on the Services you request and use, and the requirements of applicable law.

1.1 Information you provide directly. The categories of information we collect from you directly may include:

  • Contact data, including business addresses, email addresses and telephone numbers.
  • Profile information used to access the Services, such as username and password.
  • With your consent, information required to connect with and collect information related to the Services from your business’ facebook ads, google ads, accounting software, payment processors, recurring revenue subscription software, and business’ bank account information.

1.2 Your Communications with Us. We may collect any personal data that you provide to us, for example by completing a form on any of our websites or in hard copy, by taking part in survey, a phone or social media conversation, or by emailing us.

1.3 Automatic data collection. Our systems may automatically record information about your website usage, such as your browser type (e.g. Internet Explorer), operating system (e.g. Microsoft Windows), IP address (a way of identifying your internet connection) and basic information about your internet service provider. For security and audit control, and to help us understand your preferences, we may also keep a record of when you access the site, which pages you visit and the actions you take on each page.

1.4 Data from Other Sources. We may obtain information about you from other sources, including through third-party services and organizations (including third parties you use to interact with our Services) to supplement information provided by you. This supplemental information allows us to verify information that you have provided to us for fraud prevention, marketing, underwriting, risk management, business intelligence, and other internal purposes.

2. How We Use Your Personal Information

2.1 Artoh takes your privacy very seriously and will disclose and use your personal information only as described in this Online Privacy Policy.

2.2 Reasons we can use your personal information:

For everyday business purposes:

  • To register you as a user and to provide the services you require.
  • To decide whether to offer you a Artoh product or service.
  • To provide you with customer support.
  • To enhance the accuracy of the information that we hold about you.
  • To notify you of any important changes to the site.
  • To prevent potentially prohibited or illegal activities.
  • To enforce our Terms and Conditions.
  • To investigate and defend against any third-party claims or allegations.

To enhance your experience on our website by:

  • Monitoring and improving our services and customizing our website for you.

For marketing purposes:

  • To keep you informed of any products, services or offers which might be of interest to you.

For internal research purposes, general website administration, and demographic or statistical analysis of our service users.

2.3 Aggregate use. We may use your personal data to generate non-personal statistical data, for example relating to the size of our customer base and the levels of site usage. This will only be group data, such as the age range of site users, and will not include any information that could personally identify you. This may then be shared with third parties.

2.4 Automated Decision-making. We use automated decision-making tools in our processing of your personal data, which may include the use of such techniques in connection with our acceptance of your application to use the Service and in connection with underwriting and risk management activities. We consider that the use of such techniques is fundamental to the Service and that the consequences for you of our use of such techniques will amount to whether or not you are able to use the Service

3. Our lawful basis for processing your personal data

Where we may rely on consent

For certain purposes it may be appropriate for us to obtain your prior consent. The legal basis of consent is only used by us in relation to processing that is entirely voluntary – it is not used for processing that is necessary or obligatory in any way.

In the event that we rely on your consent, you may at any time withdraw the specific consent you give to our processing as described in "Your Rights" below. Please note, even if you withdraw consent for us to use your personal data for a particular purpose, we may continue to rely on other lawful bases to process your personal data for other purposes.

Other legal bases we may rely on

Where we are relying on a basis other than your consent, the lawful basis for processing personal data will be one of the following:

  • The processing is necessary in order for us to comply with our legal obligations (such as compliance with anti-money laundering legislation);
  • The processing is necessary for the performance of a contract you are party to or in order to take steps at your request prior to you entering into a contract;
  • The processing is necessary for the establishment, exercise or defense of legal claims; or
  • The processing is necessary for the pursuit of our legitimate business interests. In particular, our legitimate interests include: The provision of services; The recovery of debt; The prevention of fraud; Marketing our Services and promoting our business; The reorganization or sale or refinancing of the business; Protecting our business and property.

4. How We May Share and Disclose Your Personal Data

4.1 Artoh shares your personal data with the following categories of third parties as permitted by law:

  • Third-party service providers. We may work with third-party service providers, including affiliates, to support our business functions, such as facilitating electronic fund transfers and offering customer service. For example, we will work with companies that we partner with to provide services to you, and companies that we work with to collect information about your card transactions. Artoh may share your personal data with such companies, but all service providers acting on our behalf will only process your data in accordance with instructions from us and will comply fully with relevant data protection laws and any other appropriate confidentiality and security measures.
  • Affiliates. We may share personal information with our affiliated companies.
  • Disclosures to Protect Us or Others. We may access, preserve, and disclose any information we store associated with you to external parties if we, in good faith, believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.
  • Disclosure in the Event of Merger, Sale, or Other Asset Transfers. If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, then your information may be sold or transferred as part of such a transaction, as permitted by law and/or contract.

4.2 We may also share aggregated and anonymized data sets based on your personal data with third parties that does not reasonably identify you directly as an individual.

5. Data Retention

We store the personal information we receive as described in this Privacy Policy for as long as you use our Services, or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

6. International Transfer

You agree that all information processed by us may be transferred, processed, and stored anywhere in the world, including but not limited to, the United States or other countries, which may have data protection laws that are different from the laws where you live. We have taken appropriate safeguards to require that your personal information will remain protected and require our third-party service providers and partners to have appropriate safeguards as well. Further details can be provided upon request.

7. Cookies and Similar Technologies

7.1 Collection via Cookies and Similar Technologies. We may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through the Services. Technologies are essentially small data files placed on your computer, tablet, mobile phone, or other devices that allow us and our partners to record certain pieces of information whenever you visit or interact with our Services.

  • Cookies. Cookies are small text files placed in visitors’ computer browsers to store their preferences. Most browsers allow you to block and delete cookies. However, if you do that, the Services may not work properly.
  • Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded in the Services that collects information about users’ engagement on that web page. The use of a pixel allows us to record, for example, that a user has visited a particular web page or clicked on a particular advertisement.

7.2 Use of Cookie Data. We may also use cookies and analytical software to collect data for internal research, underwriting, and anti-fraud purposes, including without limitation:

  • To monitor site usage.
  • To keep an audit trail.
  • To understand visitor's browsing habits.
  • To analyze trends and demographic statistics.
  • To compile statistical reports.

7.3 Your Choices. Most internet browsers accept cookies by default; however, you can usually change your browser settings to reject cookies if you would prefer not to receive them. If you choose not to receive our cookies you will not be able to receive some personalized features and you may not be able to benefit from all our Services.

7.4 Third-party Analytics. We may also use Google Analytics and other service providers such as Segment to collect information regarding visitor behavior and visitor demographics on our Services. For more information about Google Analytics, please visit You can opt out of Google’s collection and processing of data generated by your use of the Services by going to For more information regarding Segment, visit

7.5 Do Not Track. Currently our website does not respond differently or limit practices under the terms of this Online Privacy Policy when you access our online services with a browser that uses a do not track signal or similar mechanism.

8. Information Security

8.1 The security of your personal data is very important to Artoh. We use physical, electronic, and administrative safeguards that are designed to protect your Personal data from loss, misuse and/or unauthorized access, disclosure, alteration and destruction.

8.2 Unfortunately, no system is 100% secure, and we cannot ensure or warrant the security of any information you provide to us. To the fullest extent permitted by applicable law, we do not accept liability for unintentional disclosure.

8.3 By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services, by mail or by sending an e-mail to you.

9.  Protecting Children's Privacy Online

Artoh’s website is not directed to individuals under the age of eighteen (18). We request that individuals under the age of eighteen do not provide Personal data through our website. In the unlikely event that we learn that information from such individuals has been collected, we will immediately remove that information from our databases, unless we have a legal obligation to retain it. The Company does not knowingly collect, use, or disclose personal data from or to children under age 13 without obtaining written, verifiable consent from a parent or legal guardian.

10. Using Other Websites

10.1 Our websites may contain links to web sites which are owned or controlled by parties other than Artoh. These links are provided for your convenience and do not imply that we have reviewed or condone the third-party sites, their content, or their privacy policies.

10.2 When using other websites, you must be aware that any personal data you supply will be handled according to their privacy policies. We recommend that you read and consider these website’s privacy policies and terms and conditions before providing any of your personal data. Artoh is not responsible for privacy practices or content on third-party websites.

11. Changes to This Online Privacy Policy

We may amend or update this Online Privacy Policy periodically to reflect the changes in our business and practices. The revised policy will be posted on our website. Any changes will become effective immediately upon posting to our website.

For questions, contact us at, or as described below.

12. Your Privacy Rights

12.1 Opting out of Marketing Communications. You are free to opt-out of receiving email offers at any time at any time by emailing or by clicking the unsubscribe link in any marketing email you receive from us. This will not unsubscribe you from critical emails required for the provision of Services to which you have subscribed. This includes but is not limited to emails regarding payments due, payments received and payments missed. You may opt-out of future text solicitations by responding to any text with the word “STOP.” and may opt-out of telephone solicitations to your residential or mobile phone by asking the caller to be placed on our do-not-call list.

12.2 Your Rights. In accordance with applicable law, you may have the following rights:

  • Access to Personal Information. You can receive a copy of data we process about you consistent with legal requirements. In addition, you may have the right in some cases to receive or have your electronic Personal Information transferred to another party.
  • Correction. You can request correction of your personal information where it is inaccurate or incomplete. In some cases, we may provide self-service tools that enable you to update your personal information, or we may refer you to the controller of your personal information who is able to make the correction.
  • Deletion. You can request we delete personal information we collect or maintain about you, subject to certain exceptions prescribed by law.
  • Restriction of or Objection to processing. You can request restriction, withdraw your consent, or object to the processing of your personal information as required by law.

If you wish to exercise any of your data subject rights described above, please contact us as described in “Contact Information” below. We will respond to all requests in accordance with applicable laws. To protect your privacy, we may also take additional steps to verify your identity before fulfilling your request, such as by asking you to answer questions regarding your activities on our Services. Once you have verified your identity, you may also designate an authorized agent to exercise your rights on your behalf by providing the agent’s contact information to our customer support staff, as required by applicable law.

You may have a right not to receive discriminatory treatment as a result of your exercise of these rights.

13. California Privacy Statement

The following section applies to only to residents of California.

1) Information Collection

The categories of Personal Information we have collected in the preceding 12 months, and the business or commercial purposes for the information are described respectively above in the sections “What Categories of Information Do We Collect?” and “How We Use Your Personal Data.

2) Information Disclosure and/or Sale

We do not sell your personal information to third parties, nor have we sold personal information to third parties in the preceding 12 months.

In the preceding 12 months, we have disclosed the following categories of personal information for a Business Purpose as part of our Services, solely to our Service Providers.

  • Identifiers: Real name, postal address, online identifier, Internet Protocol address, email address, account name, or other similar identifiers.
  • Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e): Name, address, telephone number, and financial information.
  • Commercial information: Records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Internet or other electronic network activity: Browsing history information reflecting a consumer's interaction with an internet website, application, or advertisement.
  • Inferences drawn from other personal information to create a profile about a consumer: Profile reflecting a consumer's preferences.

In addition to the sharing described above, we may share any information we collect about you with our affiliates, to protect us or others, or in the event of a merger, sale, or other asset transfer. See the section “How We May Share and Disclose Your Personal Data” above for more information.

3) Your Rights

Your rights under California law are described in the section “Your Privacy Rights” above.

Changes to Our California Privacy Statement

This California Privacy Statement was last updated on June 18, 2020.

Contact Information

If you have any questions regarding our privacy policies or our California Privacy Statement, please do not hesitate to contact us at