Terms The fine print.

You acknowledge that all content on this Web Site, including the Web Site's design, graphics, text, formatting, sounds, pictures, images, software, and other materials and information on this Website, and the selection and arrangement thereof (collectively, "Content"), are the property of Arch Labs, Inc. (henceforth referred to as “Arch Labs” or “Arch”) or its licensors, and are subject to and protected by United States and international copyright and other intellectual property laws and rights. All rights to Content not expressly granted in these Terms of Use are reserved to their respective intellectual property right owners. Except as expressly authorized in these Terms of Use or on the Web Site, you may not copy, reproduce, distribute, republish, download, perform, display, post, transmit, exploit, create derivative works or otherwise use any of the Content in any form or by any means, without the prior written authorization of Arch Labs or the respective intellectual property rights owner. Arch Labs authorizes you to view and download the Content only for personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices contained in the original Content. You may not modify or adapt the Content in any way or otherwise use them for any public or commercial purposes. The trademarks, service marks, trade names, trade dress and logos (collectively, "Marks") contained or described on this Web Site (including, without limitation, Arch and Arch Labs) are the sole property of Arch and its licensors and may not be copied, imitated or otherwise used, in whole or in part, without the prior written authorization from Arch and/or its licensors. In addition, all page headers, custom graphics, button icons and scripts are Marks of Arch and may not be copied, imitated or otherwise used, in whole or in part, without the prior written authorization of Arch. Arch will enforce its intellectual property rights to the fullest extent of the law.

II. LINKS TO THIRD PARTY WEBSITES

Links on the Web Site to third party websites are provided only as a convenience to you. If you use these links, you will leave the Web Site. Arch does not control or endorse any such third party websites expect those in relation to Arch. You agree that Arch and its affiliates will not be responsible or liable for any content, goods or services provided on or through these outside websites or for your use or inability to use such websites. You will use these links at your own risk. You are advised that other websites on the Internet, including third party websites linked from this Web Site, might contain material or information that some people may consider offensive or inappropriate; or that is inaccurate, untrue, misleading or deceptive; or that is defamatory, libelous, infringing of others' rights or otherwise unlawful. Arch expressly disclaims any responsibility for the content, legality, decency or accuracy of any information, and for any products and services, that appear on any third party website. Arch recommends that you make yourself aware of and read the legal and privacy notices of all other websites that you visit.

II. DISCLAIMER OF WARRANTIES

Arch strives to provide accurate and up-to-date material on this Web Site. However, we make no warranties or representations as to the accuracy or timeliness of the Content on this Web Site. YOUR USE OF THE WEB SITE IS AT YOUR SOLE RISK. THE WEB SITE AND THE CONTENT CONTAINED ON THIS WEB SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Arch EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Arch MAKES NO WARRANTY THAT (I) THE WEB SITE WILL MEET YOUR REQUIREMENTS, (II) THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE WILL BE ACCURATE OR RELIABLE, (IV) THE WEB SITE IS FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS, OR (V) ANY ERRORS IN THE WEB SITE WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS WEB SITE IS PROVIDED AT YOUR OWN RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THE WEB SITE, INCLUDING WITHOUT LIMITATION, DAMAGES RESULTING FROM COMPUTER VIRUSES. SOME JURISDICTIONS MAY NOT PERMIT CERTAIN DISCLAIMERS OF WARRANTIES, SO SOME OF THE EXCLUSIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, WE DISCLAIM WARRANTIES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

II. DISCLAIMER OF DAMAGES AND LIMITATION OF LIABILITY

NEITHER Arch OR ITS AFFILIATES SHALL UNDER ANY CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING OUT OF, IN CONNECTION WITH OR RELATING TO YOUR ACCESS TO, OR USE OF OR INABILITY TO USE THIS WEB SITE OR ANY MATERIAL, OR ANY OTHER WEBSITE YOU ACCESS THROUGH A LINK FROM THIS WEB SITE, OR ANY INCORRECT OR INACCURATE INFORMATION ON THIS WEB SITE. THIS IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO PROPERTY DAMAGE, LOSS OF USE, LOSS OF DATA, LOSS OF BUSINESS, ECONOMIC LOSS OR LOSS OF PROFITS), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF Arch HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY WAIVE ALL CLAIMS AGAINST Arch AND ITS AFFILIATES AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, SUPPLIERS AND PROGRAMMERS THAT MAY ARISE FROM YOUR ACCESS OR USE OF THIS SITE.

II. INDEMNIFICATION AND RELEASE

You agree to indemnify, defend and hold harmless Arch and its affiliates against all claims, demands, causes of action, losses, expenses, damages and costs, including any reasonable attorneys' fees, resulting or arising from or relating to your use of or conduct on the Web Site, any activity related to use of the Web Site by you, any message or material that you submit to, post on or transmit through the Web Site, your violation of these Terms of Use, your infringement or violation of any rights of another, or termination of your access to the Web Site. If you have a dispute with one or more users, you release Arch and its affiliates from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

NO UNLAWFUL OR PROHIBITED ACTIVITY

As a condition of your use of this Web Site, you agree not to use the Web Site for any purpose that is unlawful or prohibited by these terms and conditions. You further agree that you are responsible for your use of and communications on the Web Site. You agree not to post on or transmit through this Web Site any unlawful, infringing, threatening, harassing, defamatory, vulgar, obscene, profane, indecent, offensive, hateful or otherwise objectionable material of any kind, including any material that encourages criminal conduct or conduct that would give rise to civil liability, violates the privacy rights of others, infringes others' intellectual property rights or otherwise violates any applicable local, state, national or international law. You agree not to use this Web Site in any manner that interferes with its normal operation or with any other user's use and enjoyment of the Site. You agree to use reasonable e orts to scan and remove any viruses or other contaminating or destructive features before submitting any material. Arch reserves the right, in its sole discretion, to suspend or terminate your access to this Web Site and prohibit any and all current and future use of this Web Site (or any portion thereof) by you, if you fail to comply with any term or provision of these Terms of Use or your use is harmful to the interests of another user of this Web Site.

SHUT-DOWN OF WEBSITE

Arch reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Web Site (or any part thereof) with or without notice or consent. Arch and its afliates shall have no responsibility or liability for failure to store or delete any Content or User Content submitted to the Web Site.

GOVERNING LAW AND DISPUTE RESOLUTION

These Terms of Use shall be governed by, and construed in accordance with, the laws of the United States and the State of New York, without giving effect to conflicts of law principles thereof. Arch makes no representations that the material and information on this Web Site are appropriate or available in all national locations or languages. You agree that any action at law or in equity arising from or relating to the use of this Web Site or to these Terms of Use shall be brought exclusively in the Federal or State Courts residing in New York. You hereby consent and submit to personal jurisdiction in of such courts for the purposes of any action relating to this Web Site, your access or use thereof, or these Terms of Use, and to extra-territorial service of process.

SEVERABILITY

If any provision of these Terms of Use is held to be unlawful, void, or for any reason unenforceable by a court of competent jurisdiction, then the invalid or unenforceable provision shall be replaced by a valid, enforceable provision that most closely matches the intent of the original provision, and the validity and enforceability of any remaining provisions shall not be a ected.

13. NO WAIVER

The failure of Arch and its affiliates to enforce any part of these Terms of Use shall not constitute a waiver of such term or provision, and shall not be considered a waiver or limit Arch's right thereafter to insist upon strict adherence to that term or any other provision of these Terms of Use.

Last Update: May 2, 2018

This Privacy Policy describes the policies and procedures of Arch Labs, Inc. ("Arch Labs,” “we,” “our,” or “us”) on the collection, use, and disclosure of your information on arch.co (the “Site”), and the related services, features, content, mobile applications, and products that we offer (collectively with the “Site,” the “Services”).

How You Accept This Policy

By accessing and using Arch Labs, creating a user account, or purchasing services through the Site, you agree to the use, disclosure, and procedures outlined in this Privacy Policy.

What Information Does Arch Labs Collect?

The information we collect from you falls into two categories: (i) personally identifiable information (i.e., data that could potentially identify you as an individual) (“Personal Information”); and (ii) non-personally identifiable information (i.e., information that cannot be used to identify who you are) (“Non-Personal Information”). This Privacy Policy covers both categories and outlines how we might collect and use each type.

We may collect a variety of Personal Information, including:

• Information from Third Party Services (defined below) that you explicitly give us access to;
• Your contact information, such as email address (or other contact information depending on how you contact us); and
• Your name to the extent that you set it in your username.

We may also collect a variety of Non-Personal Information, including various analytics data such as:

• the IP address of the computer you use to access the Site;
• the type of browser software you are using;
• the operating system you are using;
• the date and time you access or use the Site;
• the website address, if any, that linked you to our Site;
• the website address, if any, you leave our website and travel to; and
• other non-personally identifiable traffic data.

How We Collect Information

When You Create a Profile or Provide Us with Information to Purchase a Membership Subscription   

If you create a profile on our Site, we may request certain Personal Information. This may include contact information such as your email address, phone number, and billing address.

We, or companies that provide services on our behalf, may also collect certain financial information from you. By using Arch Labs, you give us consent to use and provide your financial information, as we consider necessary to provide the Service. We may collect financial information that you provide to us and store on our platform, including: tax information, capital calls, account balances, distributions, and investment workflows. Arch Labs users also have the option of inviting their own accountants, advisors, or clients, to manage and collaborate on accounts as well, so any related documents or communications provided by these parties may also be collected and stored.

Information We Automatically Collect

Like most websites, Arch Labs may incorporate technology such as “pixel tags,” “web beacons,” and “cookies.” Pixel tags and web beacons are tracking devices on websites, or in emails, that can monitor the behavior of the user visiting the website or sending the e-mail. Cookies are small files that web servers may place on your computer when you visit a website.

Here at Arch Labs, we use cookies to help identify and track usage of the Site, and to deliver a more personalized experience. You can simply refuse our cookies by adjusting the preferences in your browser. Be forewarned, however, that disabling cookies may cause Arch Labs to not operate properly.

In order to improve and grow Arch Labs, we also use analytics tools, such as Google Analytics, to automatically collect information about user and visitor usage (collectively, “Analytics Tools”). These Analytics Tools collect data, such as how often you visit Arch Labs, what areas of the Site you visit, and what other sites or services you used prior to using Arch Labs.

Analytics Tools generally operate differently. For example, Google Analytics only collects the IP address assigned to you on the date you visit Arch Labs, not your name or other identifying information. Although Google Analytics plants a permanent cookie on your computer to identify you as a unique user the next time you visit, the cookie cannot be used by anyone except Google. As of right now, we only use the information we get from Analytics Tools to improve Arch Labs and do not combine the information collected through the use of Analytics Tools with personally identifiable information. However, we reserve the right to do so in the future.

Please note Google’s ability to use and share information collected by Google Analytics about your use of Arch Labs is restricted by the Google Analytics Terms of Service and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to Arch Labs by disabling cookies on your browser. You also can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on here.

Third Party Services

This Site includes links to third-party products, services, and websites, as well as materials provided by third parties (collectively “Third Party Services”). If you authorize us to connect with these Third Party Services, you grant us permission to collect certain Personal Information, such as your name, email address, phone number, and any other information that the Third Party Service makes available to us.

For example, if you register your Bank of America account with us, we will aggregate your Bank of America information via our Site in order to present it to you. If you choose to access bills online through our Services, we may store a PDF or HTML representation of your bills on our servers.

Please note that your use of Third Party Services is governed by their respective Terms of Service and Privacy Policies. We use and disclose any collected information in accordance with our own Privacy Policy.

Communications You Initiate with Us

We do everything possible to ensure you have an amazing experience when using Arch Labs. If you contact us in person, by phone, email, instant message, live chat, social media, or by some other means (either through our Site or through a Third Party Service), we may keep a record of your contact information and correspondence for later reference to help improve our Site.

How We Use the Information We Gather

We primarily use the information we collect and store to enhance Arch Labs. Except if we sell all or a portion of our business, or as otherwise described below, we do not rent, trade, or sell your Personal Information.

Use of Information to Provide Arch Labs to You

We use Personal Information to create an awesome experience. Some ways we may internally use your information are to:

• Provide our Services;
• Contact you when necessary;
• Respond to your comments or questions;
• Provide you with additional information according to your preferences;
• Customize and personalize your Arch Labs experience;
• Generate aggregated statistics to help us improve the customer experience;
• Make Arch Labs easier and more convenient for you (such as by prepopulating forms when you have already provided identical information);
• Provide recommendations to you;
• Send you information and marketing materials about services and products available on our Site;
• Train our team members; or
• Other internal business purposes.

Aggregated Personal Data and Non-Personal Information

We may share or disclose aggregated Personal Data or Non-Personal Information with service providers or with other persons with whom we conduct business. These service providers and other persons may also share with us aggregated Non-Personal Information that they have independently developed or acquired. Additionally, we may combine aggregate information from the pixel tags, web beacons, and cookies with similar data we collect from other visitors to help us improve the Site. When doing so, we do our best to ensure that the any aggregated information cannot be linked back to you.

Except as we discuss in this Privacy Policy, we will not share your Personal Information with third parties who wish to market other products and services to you.

Agents or Third Party Partners

We may provide your Personal Information to our employees, contractors, agents, service providers, and designees (“Agents”) to enable them to perform certain services for us exclusively, including:

• Payment processing;
• Website-related services, such as web hosting;
• Improvement of website-related services and features;
• Maintenance services; or
• Distribution of advertisements and other marketing materials on our behalf.

Business Transfers

We may choose to buy or sell assets. In these types of transactions, customer information is typically one of the business assets that would be transferred. Also, if we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or encounter some other change of control, your Personal Information could be one of the assets transferred to or acquired by a third party. By accepting this Privacy Policy, as outlined above, you consent to any such transfer.

Protection of Us and Others

We reserve the right to access, read, preserve, and disclose any information that we reasonably believe is necessary to: comply with the law or a court order; cooperate with law enforcement; enforce or apply our Terms of Use and other agreements; or protect the rights, property, or safety of Arch Labs, our employees, our users, or others.

What Personal Information Can I Access or Change?

The Arch website allows deleting or amending your Personal Information at the account settings page (https://arch.co/portal/accountsettings) and individual investing entity and issuing entity pages, among others. For help deleting or revising Personal Information, or for any other questions, please contact us at support@arch.co.

If you decide you don’t want to receive email or other mail from us, you can select the “opt out” provision in our communications or in your profile settings to unsubscribe. Unsubscribing will stop you from receiving most types of communication, but it may not apply to emails about orders or transactions you place through the Site or to respond to your specific request.

Data Retention

Documents on the Arch Labs platform are stored with enterprise-grade security on the AWS platform. Stored documents are protected with AES-256 Encryption. Additionally, Arch Labs implements audit logging to protect against unexpected database activity. Data is regularly backed up.

If you delete your account or request that your information be deleted, we may still retain some Personal Information that you have provided to us in order to maintain Arch Labs or to comply with relevant laws.

Data Security

We are committed to ensuring your information is protected and have selected third-party vendors that help keep your Personal Information safe. Unfortunately, we do not control these third parties and therefore cannot guarantee complete security.

We do employ several physical and electronic safeguards to keep your information safe, including encrypted user passwords and securing all connections with industry standard transport layer security.

If you log into your account on a shared computer, be sure to sign out of your account when finished. If you believe an unauthorized third party has access to your account, you must let us know as soon as possible.

Even with all these precautions, we cannot fully guarantee against the access, disclosure, alteration, or deletion of data through events, including, but not limited to, hardware or software failure or unauthorized use. Any information that you provide to us is done so entirely at your own risk.

Children

We are especially sensitive about children’s information. Our Services are not targeted towards children, and we do not knowingly collect information from children under the age of 13. If you are a parent or legal guardian of a minor child, we will treat any information that you provide us while using Arch Labs on behalf of your minor child as Personal Information as otherwise provided in this Privacy Policy. If you have questions concerning our information practices with respect to children, or if you learn that a child under the age of 13 has used Arch Labs, created a user account, or provided us with personal information, please email us at support@arch.co.

Online Tracking and How We Respond to Do Not Track Signals

Online tracking is the collection of data about an individual’s Internet activity used to deliver targeted advertisements and for other purposes. Some web browsers (including, Safari, Internet Explorer, Firefox, and Chrome) incorporate a “Do Not Track” (DNT) or similar feature that signals to websites that a visitor does not want to have his/her online activity and behavior tracked. If an online service elects to respond to a particular DNT signal, the service may refrain from collecting certain personal information about the browser’s user. Not all browsers offer a DNT option and there is currently no industry consensus as to what constitutes a DNT signal. For these reasons, many website operators, including Arch Labs, do not take action to respond to DNT signals. For more information about DNT signals, visit https://allaboutdnt.com.

We Reserve the Right to Update and Revise This Privacy Policy at Any Time

We occasionally review this Privacy Policy to confirm it complies with applicable laws and conforms to changes in our business. We may need to update this Privacy Policy, and we reserve the right to do so at any time. If we do revise this Privacy Policy, we will update the “Last Updated” section at the top of this page so that you can tell if it has changed since your last visit and we will do our best to notify you. Please review this Privacy Policy regularly to ensure that you are aware of its terms. Any use of Arch Labs after an amendment to our Privacy Policy constitutes your acceptance to the revised or amended agreement.

Your Rights as a California Resident

If you are a California resident, you have the ability to ask us for a notice identifying the categories of Personal Information we share with our affiliates and/or third parties for marketing purposes and the contact information for such affiliates and/or third parties (under California Civil Code Sections 1798.83–1798.84). If you are a California resident and would like a copy of this notice, please submit a written request to support@arch.co.

International Users and Visitors

Arch Labs is hosted in the United States. Because the Internet is global, you should note that by providing Personal Information as an international visitor or user, you are: (i) permitting the transfer of your Personal Information to the United States, which may not have the same data protection laws as the country in which you reside; and (ii) permitting the use of your Personal Information in accordance with this Privacy Policy.

If you are located in the European Economic Area (“EEA”), we only process your Personal Information based on a valid legal ground, which encompasses: when we need your Personal Information to provide our services, including for account registration, to respond to your inquiries, or for customer support; when we have a legal obligation to use your Personal Information (such as to enforce our terms and conditions); when we or a third party have a legitimate interest in using your Personal Information; and if you otherwise consent to the processing of your Personal Information.

If you are a resident of the EEA, you are also entitled to certain individual rights, such as the following rights to: access and rectify your data; request erasure of your data; object or restrict our processing of your data; receive and transmit your data; and right to lodge a legitimate complaint to your data protection authority.

Questions?

We’d be happy to answer them. Shoot us an email or send us a note:
Email: support@arch.co
Mailing Address:
Arch Labs, Inc.
111 E 18th St, Floor 11
New York, NY 10003

Last Updated: May 18, 2022