Privacy Policy

1. Introduction

Arro Holdings ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and related services (collectively, the "Services"). Please read this policy carefully. If you disagree with its terms, please discontinue use of our Services.

2. Information We Collect

We may collect the following categories of information:

• Personal Identification Information: Name, email address, phone number, date of birth, and government-issued ID details.
• Financial Information: Bank account details, income information, rental payment history, and credit-related data.
• Device & Usage Data: IP address, browser type, operating system, pages visited, and time spent on the Services.
• Location Data: General geographic location derived from your IP address or, with your consent, precise location from your device.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our Services.
• Process rent funding requests and credit-building activities.
• Verify your identity and prevent fraud.
• Communicate with you about your account, updates, and promotions.
• Comply with legal obligations and enforce our agreements.
• Analyze usage trends to enhance user experience.

4. Sharing Your Information

We do not sell your personal information. We may share your information with:

• Service Providers: Third-party vendors who assist us in operating our Services (e.g., payment processors, cloud hosting providers).
• Financial Partners: Arrow Finance and Community Federal Savings Bank as required to deliver financial products.
• Legal Authorities: When required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

5. Data Security

We implement industry-standard technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights & Choices

Depending on your location, you may have the right to:

• Access, correct, or delete your personal information.
• Opt out of marketing communications at any time.
• Request data portability.
• Lodge a complaint with a supervisory authority.

To exercise these rights, contact us at privacy@arroholdings.com.

7. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze usage, and deliver relevant content. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of our Services.

8. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page with an updated effective date. Your continued use of the Services after such changes constitutes your acceptance of the revised policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at: