These Terms of Service ("Terms") govern your access to and use of ARCA, a financial operating system for creators operated by Arkyn Inc. ("Arkyn," "we," "us," or "our"). ARCA includes our mobile app and our website at getarca.co (together, the "Service"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
You must be at least 18 years old and able to form a binding contract to use ARCA. You must use ARCA in connection with your work as a creator or the business through which you operate. The Service is available only to residents of the United States.
If you use ARCA on behalf of a business, you confirm that you are authorized to accept these Terms for that business, and "you" includes that business.
2.1 What ARCA does
ARCA connects to the accounts you choose and brings your creator business finances into one place. The Service currently includes:
2.2 What ARCA does not do
ARCA is an information and organization tool. We do not provide investment, financial planning, tax, accounting, or legal advice, and nothing in the Service is a recommendation to take any particular financial action.
ARCA does not hold your money, move money between your accounts, or make payments on your behalf. The only money we collect from you is your membership fee (Section 4), billed through Apple In-App Purchase or Stripe depending on your billing path.
Tax set-aside figures are estimates based on the data available to us. They are not tax advice and may not reflect your actual tax liability. Consult a qualified tax professional before relying on them.
2.3 Accuracy of data
The Service depends on data from third parties, including your bank, your platforms, and our data providers. That data can be delayed, incomplete, or wrong, and connections can stop working. We show when a connection was last updated, but we do not guarantee the accuracy, completeness, or timeliness of any data or of any figure calculated from it.
3.1 What uses AI
ARCA uses models provided by Anthropic, PBC, for two features:
Before any of your data is sent to Anthropic for the first time, we will tell you what will be sent and ask for your permission. You can withdraw that permission at any time in the app. If you decline or withdraw, these AI features will not be available, and the rest of the Service will continue to work. The Privacy Policy explains what we send and how it is handled.
3.2 Limits of AI output
AI-generated content can be inaccurate or incomplete. It is provided for information only and is not professional financial, tax, or legal advice. You are responsible for decisions you make using it. Arkyn is not liable for decisions you make based on AI-generated content.
3.3 Actions
AI features do not initiate transactions, move money, send messages, or change your connected accounts.
ARCA does not contact the people or companies who owe you money. Overdue payments are shown in the app so you can follow up yourself.
We will notify you and ask for your consent before introducing any feature that takes actions beyond those described in these Terms.
4.1 Membership
Most of the Service requires a paid membership. You can subscribe in either of these ways:
You have one active billing path at a time. We do not charge both Apple and Stripe for the same membership period.
Whether or not your membership is active, you can always view and export your own data, manage your connections, delete your account, and contact support.
4.2 How your website / private fee is calculated
When you bill through Stripe (website or private invite billing), your monthly fee is the greater of:
There is no maximum fee on this path.
Gross Revenue means money received by you or your business, as shown in the bank accounts and PayPal accounts you connect to ARCA. Revenue reported by other platforms, including YouTube, Google AdSense, Twitch, Meta, and Patreon, is not used to calculate your fee. That income counts when the payout reaches a connected bank or PayPal account. Gross Revenue excludes:
Basis Window means the 12 full calendar months before the start of the billing period. If ARCA has less than 12 months of your data, the Basis Window is the period for which we have data. We do not estimate or annualize missing months, so a shorter history produces a lower fee, subject to the $40 minimum.
Revenue from a source counts toward the Basis Window for the months that source was connected. If you disconnect a source, it stops contributing from the disconnection date forward. Months already recorded continue to count until they leave the Basis Window. Choosing to delete a connection's transaction history does not change fees already calculated or the billing records we keep (see the Privacy Policy).
Your in-app membership receipt for Stripe billing shows the Basis Window, your Gross Revenue by source, the rate, and the resulting fee. It will match your Stripe invoice. For App Store billing, the receipt shows the flat Apple subscription price.
4.3 Billing
App Store. Apple charges the flat monthly subscription on Apple's billing cycle. Access follows your Apple subscription status.
Website / private (Stripe).
4.4 No proration or refunds
Fees are not prorated for partial months. Except where required by law, fees are non-refundable, including when you cancel partway through a billing period. App Store purchases are also subject to Apple's refund rules.
4.5 Failed payments
Stripe. If a payment fails, Stripe may retry the charge and we will notify you. If your fee remains unpaid 30 days after it was due, your membership will lapse:
If you rejoin on Stripe, we will not charge you for the period your membership was lapsed. Fees that were already past due before your membership lapsed remain owed.
App Store. If Apple cannot renew your subscription, access follows Apple's subscription status. Delegate access may pause when membership is no longer active. Your data remains available to view and export.
4.6 Cancellation
App Store. Cancel or change your plan in your Apple ID subscription settings (also linked from You › Membership). Access continues until the end of the paid Apple billing period.
Stripe. You can cancel in the app. Cancellation takes effect at the end of your current billing period, and you keep access to membership features until then.
4.7 Changes to fees
We will give you at least 30 days' notice before changing how Stripe fees are calculated, the Stripe minimum, or the App Store subscription price we offer. Changes apply only to billing periods that begin after the change takes effect. If you do not agree to a change, you can cancel before it applies. App Store price changes are also subject to Apple's subscription notice rules.
The Service relies on third-party services. Your use of them may be subject to their terms, and we are not responsible for their services, outages, or data handling.
Plaid. We use Plaid Technologies, Inc. to connect to your financial institutions. Your bank credentials are entered into Plaid's interface and are never received or stored by Arkyn. Plaid's End User Privacy Policy applies to Plaid's handling of your data.
YouTube API Services. ARCA uses YouTube API Services. By connecting a YouTube account, you agree to be bound by the YouTube Terms of Service, and your data is also subject to the Google Privacy Policy.
Google AdSense. By connecting AdSense, you agree to be bound by the Google Terms of Service.
Google revocation. You can revoke ARCA's access to your Google data at any time at https://myaccount.google.com/permissions.
Twitch, PayPal, Meta, and Patreon. Connecting these services is subject to the terms of Twitch Interactive, Inc., PayPal, Inc., Meta Platforms, Inc., and Patreon, Inc., respectively.
Apple. When you subscribe through the App Store, membership payments are processed by Apple. Apple's terms and privacy policy apply to that purchase.
Stripe. Website and private invite membership payments are processed by Stripe, Inc., subject to Stripe's terms and privacy policy.
Anthropic. AI features use models provided by Anthropic, PBC, as described in Section 3 and the Privacy Policy.
Our connections to your bank, card, and platform accounts are read-only. Through those connections, Arkyn will never initiate transactions, transfer funds, change account settings, or publish, edit, or delete content.
You can disconnect any account at any time in the app. Some providers require us to delete their data when you disconnect; the Privacy Policy explains how that works.
You can invite Delegates to your ARCA account and choose which productions each Delegate can access. You can remove a Delegate at any time in the app. You are responsible for choosing who you invite and for what they do in your account.
Delegates must accept these Terms when they accept an invitation.
A Delegate's access pauses if your membership lapses, and ends if you remove them or delete your account.
You agree to:
You can delete your account at any time in the app under You. Deletion ends your access immediately and cannot be undone. Export anything you need first, such as your CPA packet, W-9 forms, and transaction history.
Deleting your account cancels your membership. Fees already paid are not refunded (Section 4.4). The Privacy Policy explains what we delete, when, and the limited records we are required or permitted to keep.
10.1 Our property
The Service, including its software, design, AI systems, trademarks, and content, is owned by Arkyn and protected by intellectual property laws.
10.2 Your license
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service to manage your creator business for as long as your account is active.
10.3 Your data
You own your data. You grant Arkyn a license to use it only to provide, secure, and improve the Service, as described in the Privacy Policy.
10.4 Feedback
If you send us feedback, we may use it without obligation to you.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Arkyn is not a bank, broker-dealer, investment adviser, tax preparer, or accounting firm. No content in the Service constitutes financial, investment, tax, accounting, or legal advice.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ARKYN WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE.
ARKYN'S TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID ARKYN IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) $100.
You agree to indemnify and hold harmless Arkyn and its officers, directors, employees, and agents from claims, damages, losses, and expenses, including reasonable attorneys' fees, arising from:
We may suspend or terminate your account for violation of these Terms, suspected fraud, or conduct that harms the Service or other users. You may stop using the Service and delete your account at any time (Section 9).
Sections that by their nature should survive termination will survive, including Sections 4 (for amounts owed), 10, 11, 12, 13, and 15.
15.1 Informal resolution first
Before filing a claim, you and Arkyn agree to try to resolve any dispute informally for 60 days after one side sends the other a written notice describing it. Notices to Arkyn go to legal@getarca.co.
15.2 Arbitration
If the dispute is not resolved, it will be decided by binding individual arbitration administered by the American Arbitration Association (AAA).
15.3 Exceptions
Either party may bring an individual claim in small claims court. Either party may also seek relief in court to protect its intellectual property.
15.4 No class actions
Claims may be brought only on an individual basis, and not as a plaintiff or class member in any class, collective, or representative proceeding.
15.5 Mass filings
If 25 or more similar claims are filed by, or with the help of, the same law firm or group, the AAA Mass Arbitration Supplementary Rules apply, and the claims may be administered in batches.
15.6 Opt-out
You may opt out of this arbitration agreement by emailing legal@getarca.co within 30 days of first accepting these Terms. Opting out does not affect the rest of these Terms.
15.7 Governing law and courts
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. The Federal Arbitration Act governs this Section 15. Any claim not subject to arbitration will be brought in the state or federal courts located in New York County, New York.
If you downloaded ARCA from the Apple App Store, the following also applies:
We may update these Terms. We will notify you of material changes by email or in-app notice at least 14 days before they take effect, except for fee changes, which follow Section 4.7. Continuing to use the Service after changes take effect means you accept them.
Arkyn Inc.
169 Madison Avenue, Suite 45079
New York, NY 10016
legal@getarca.co