These Terms of Service ("Terms") govern your access to and use of Arca, an agentic AI app and financial operating system operated by Arkyn Inc. ("Arkyn," "we," "us," or "our"). By creating an account or using Arca, you agree to be bound by these Terms. If you do not agree, do not use the app.
You must be at least 18 years old and capable of forming a binding contract to use Arca.
Arca is a subscription-based agentic AI app and financial operating system. The app's AI agent reads and interprets data from your connected financial accounts and creator revenue sources to help you understand your complete financial picture. The app currently provides:
Arca is a financial intelligence app only. We do not provide investment advice, financial planning services, tax advice, or legal advice. We do not hold, move, or deploy capital on your behalf. Nothing in the app constitutes a recommendation to buy, sell, or hold any financial instrument.
Arca uses agentic artificial intelligence to analyze your connected data, generate insights, and take automated actions within the app on your behalf. You acknowledge and agree that:
Arkyn is not liable for decisions you make based on AI-generated insights provided by the app.
Access to Arca requires a paid subscription. By subscribing, you authorize Arkyn (through our payment processor) to charge the applicable subscription fee on a recurring basis.
Billing
Subscriptions are billed in advance on a monthly or annual basis, as selected at signup. All fees are non-refundable except as required by applicable law or as expressly stated in these Terms.
Cancellation
You may cancel your subscription at any time through your app settings. Cancellation takes effect at the end of the current billing period. You will retain access to Arca until that date.
Price Changes
We may change subscription pricing with at least 30 days' advance notice. Continued use of the app after a price change constitutes acceptance of the new pricing.
5.1 Plaid
Arca uses Plaid Technologies, Inc. to connect to your financial institutions. By connecting your accounts, you authorize Arca (via Plaid) to access your financial data on a read-only basis. You acknowledge that Plaid's End User Privacy Policy applies to Plaid's handling of your data. Arkyn is not responsible for Plaid's services, outages, or data handling.
5.2 YouTube Data API
Arca uses the YouTube Data API Services provided by Google LLC. By connecting your YouTube account, you agree to be bound by Google's Terms of Service (https://policies.google.com/terms) and the YouTube Terms of Service (https://www.youtube.com/t/terms). Arkyn accesses your YouTube data on a read-only basis and does not post, edit, or delete any content on your behalf.
You may revoke Arca's access to YouTube at any time via Google's security settings (myaccount.google.com/permissions).
5.3 Google AdSense Management API
Arca uses the Google AdSense Management API provided by Google LLC. By connecting your AdSense account, you agree to be bound by Google's Terms of Service (https://policies.google.com/terms) and the AdSense Terms of Service. Arkyn accesses your AdSense data on a read-only basis and does not create, modify, or manage your ads, ad units, or AdSense account settings on your behalf.
You may revoke Arca's access to AdSense at any time via Google's security settings (myaccount.google.com/permissions).
Arkyn's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
All third-party data connections made by Arca are strictly read-only. Arkyn and the Arca AI agent will never initiate transactions, transfer funds, modify your accounts, publish content, or take any action on your connected accounts beyond reading data for analysis and display within the app.
You agree to:
All content, features, and functionality of the Arca app — including but not limited to software, AI models, design, trademarks, and text — are owned by Arkyn Inc. and are protected by intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use Arca for your personal, non-commercial purposes during the term of your subscription.
THE ARCA APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Arca does not guarantee the accuracy, completeness, or timeliness of financial data retrieved from third-party sources. Financial data and AI-generated insights are provided for informational purposes only and should not be relied upon as a substitute for professional financial advice.
Arkyn is not a bank, broker-dealer, investment advisor, or money services business. We are not regulated as such. No content in the Arca app constitutes financial, investment, tax, or legal advice.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ARKYN INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF ARCA.
IN NO EVENT SHALL ARKYN'S TOTAL LIABILITY TO YOU EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO ARKYN IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.
You agree to indemnify and hold harmless Arkyn Inc., its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of Arca, your violation of these Terms, or your violation of any third party's rights.
Arkyn may suspend or terminate your account at any time for violation of these Terms, suspected fraud, or other conduct harmful to the app or other users. You may terminate your account at any time through your app settings.
Upon termination, your right to access Arca ceases immediately. Provisions of these Terms that by their nature should survive termination (including ownership, disclaimers, limitations of liability, and dispute resolution) will remain in effect.
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising out of or relating to these Terms or your use of Arca shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, with arbitration conducted in New York, New York.
You waive any right to participate in a class action lawsuit or class-wide arbitration.
We may update these Terms from time to time. We will notify you of material changes via email or a prominent in-app notice at least 14 days before the changes take effect. Continued use of Arca after the effective date constitutes acceptance of the revised Terms.
For questions about these Terms, please contact:
Arkyn Inc.
169 Madison Avenue, Suite 45079
New York, NY 10016
Email: legal@getarca.co
Arkyn Inc. — June 4, 2026