effective april 27, 2026
ari is a text-native financial coaching service built by Paratus Health, Corp. in Palo Alto, California. This Privacy Policy explains how we collect, use, protect, and share your personal information when you use our SMS-based money coaching service.
Effective Date: April 27, 2026. Last Updated: April 27, 2026
Contact Information: Your phone number and SMS message history with ari.
Financial Data: When you connect bank accounts via Plaid, we receive transaction history, account balances, account names, routing numbers, and related metadata. This data is necessary to provide personalized financial coaching.
Usage Data: Message timestamps, response patterns, feature usage, and technical logs for service improvement and debugging.
Device Information: Limited technical information about your device and carrier for SMS delivery optimization.
Financial Coaching: Analyze your spending patterns, identify opportunities for savings, and provide personalized financial advice via SMS.
Service Operations: Send transactional messages, account alerts, security notifications, and coaching recommendations.
AI Processing: We use Claude (Anthropic) to generate personalized responses. Anthropic does not retain your data for training per their API terms.
Legal Compliance: Meet regulatory requirements, prevent fraud, and respond to legal requests.
We Do Not Sell Your Data. We do not sell, rent, or share your personal information with advertisers or data brokers.
Service Providers: We share data with essential service providers including: Plaid (financial data aggregation), Anthropic (AI responses), SMS infrastructure providers (message delivery), and cloud hosting providers (data storage). All providers are bound by strict confidentiality agreements.
Legal Requirements: We may disclose information when required by law, court order, or to protect our rights or the safety of others.
We implement industry-standard security measures including encryption in transit and at rest, secure data centers, access controls, and regular security audits. Bank access tokens are encrypted using AES-256 encryption.
However, no method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
We retain your information only as long as necessary to provide our services and comply with legal obligations. Message history is retained for service continuity. Financial data is retained while your accounts remain connected and for 7 years after disconnection for regulatory compliance.
Access & Correction: Request access to your personal information and correct inaccuracies by emailing support@ari-usa.com.
Deletion: Text ari "delete my account" or email support@ari-usa.com. We will delete your information within 30 days, subject to legal retention requirements.
SMS Opt-Out: Reply STOP to any ari message to unsubscribe. You'll receive one confirmation message. Reply START to re-enable.
California Residents: Under CCPA, you have additional rights to know what personal information we collect, delete personal information, and opt-out of sales (though we don't sell data).
By texting ari, you consent to receive automated text messages at the number you text from. Message frequency varies. Message & data rates may apply depending on your carrier plan.
We never share your mobile information with third parties for their marketing purposes. Reply HELP for support. Supported carriers: all major US carriers. T-Mobile is not liable for delayed or undelivered messages.
Consent to Data Sharing: By connecting your bank account to ari, you expressly consent and authorize ari and our third-party service provider, Plaid Inc. ("Plaid"), to access, retrieve, and use your financial account information for the purpose of providing ari's money coaching services.
How Plaid Works: Plaid is a financial technology company that facilitates connections between financial institutions and applications like ari. When you connect an account, you grant ari and Plaid the right, power, and authority to access and transmit your personal and financial information from your financial institution.
Data Collected by Plaid: Plaid may collect and process the following information from your connected accounts: account balances, transaction history, account holder names, account and routing numbers, and other account metadata necessary for our service.
Plaid's Privacy Practices: Your financial data shared with Plaid is governed by Plaid's Privacy Policy, which explains how Plaid collects, uses, retains, and protects your information. We encourage you to review Plaid's privacy practices before connecting your account.
Your Plaid Rights: You maintain control over your financial data and can exercise the following rights at any time:
Data Retention: Plaid retains your financial data in accordance with their privacy policy and applicable law. We retain transaction data while your account remains connected and for a limited period afterward for service improvement and legal compliance.
Revoking Consent: You may revoke your consent for data sharing at any time by disconnecting your accounts through Plaid's portal or by emailing support@ari-usa.com. Note that revoking consent will limit ari's ability to provide personalized financial coaching.
Unlike your financial data, your SMS conversations with ari are not shared with Plaid or other third parties except our SMS infrastructure providers (for message delivery). Your text message data and consent information receive additional privacy protections and are kept separate from financial data sharing arrangements.
Privacy Questions: support@ari-usa.com
Paratus Health, Corp.
Palo Alto, California
United States