Last Updated: July 17, 2026
PLEASE READ THIS PRIVACY POLICY (THE “POLICY”) CAREFULLY TO UNDERSTAND HOW WE TREAT YOUR PERSONAL INFORMATION AS WELL AS WHAT CHOICES AND RIGHTS YOU MAY HAVE IN THIS REGARD. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, YOU SHOULD NOT ACCESS OR USE THE SERVICES.
By accessing, visiting, browsing, or using our WEBSITE, registering or submitting your information through our WEBSITE or OTHERWISE USING OUR SERVICES OR interacting with us, you acknowledge that you have read, understood, and agree with the terms and conditions of this policy.
THE SERVICES ARE INTENDED FOR USERS LOCATED IN THE UNITED STATES AND ARE NOT INTENDED FOR USERS LOCATED IN OTHER COUNTRIES, including the United Kingdom, European Union, and European economic area.
Affirmative Technologies, LLC (referred to herein as “Affirmative”, “we”, “us”, “ATI” and “our”) is committed to protecting the privacy and security of the personal information ATI may collect, use, share, and otherwise process. We also believe in transparency, and we are committed to informing you about how we treat the personal information that we collect and process.
This Privacy Policy (the “Policy”) describes our practices for handling personal information collected when you visit our website, www.affirmativeusa.com, or any other websites, platforms, other online solutions, or products and services that link to this Policy including, for example, our ACH Risk Manager and ACH Processor solutions (collectively the “Services”).
This Policy does not apply to: (1) information collected by ATI that does not link to this Policy; (2) information collected by any third party, including through any application or content that may link or be accessible from our Services; or (3) any information governed by other privacy policies or that otherwise link to a separate privacy notice instead of this Policy.
We may collect the following types of personal information from you for the purposes listed below. The information we collect depends upon things such as the nature of our relationship, the Services that you use, the method you communicate with us, and the purpose of your interaction with us. We may collect information that could directly or indirectly identify you as an individual from you, your devices, your interactions with our Services, and/or from third party sources.
You may choose not to provide us with any personal information, but you may not be able to access portions of the Services that require personal information.
We may use the information described above in connection with the following purposes or otherwise to the extent permitted by law:
We may also use your information to accomplish any other purpose related to and/or ancillary to any of the purposes described in this Policy, for which your personal information was provided to us, or for which we have a legal basis under applicable law. We may create, disclose, and otherwise use information as de-identified or aggregated data which, upon aggregation and de-identification, are no longer treated as personal information subject to this Policy.
We may disclose or share your information described above in the following contexts or as otherwise permitted by applicable law:
A “cookie” is a small file created by a web server that can be stored on your device (if you allow) for use either during a particular browsing session (a “session” cookie) or a future browsing session (a “persistent” or “permanent” cookie). “Session” cookies are temporarily stored on your device and only last until they expire at the end of your browsing session. “Persistent” or “permanent” cookies remain stored on your device until they expire or are deleted by you. Local stored objects (or “flash” cookies) are used to collect and store information about your preferences and navigation to, from, and on a website. First-party cookies are set by the website you are visiting, and they can only be read by that site. Third-party cookies are set by a party other than that website. You can block and control cookies using the information noted below. If you block all cookies, certain functionalities on the Platform may not work.
In addition to cookies, there are other automatic data collection technologies, such as Internet tags, web beacons, pixels (clear gifs, pixel tags, and single-pixel gifs), and navigational data collection (log files, server logs, etc.) that can be used to collect data as you navigate through and interact with a website. For example, pixels are small images on a web page or in an email that collect information about your browser or device and can set cookies. UTM codes are strings that can appear in a URL when you move from one web page or website to another. The string can represent information about your browsing, such as which advertisement, page, or publisher sent you to the receiving website.
Web Beacons. Web beacons, also known as pixel tags or clear GIFs, are small strings of code that are embedded into web pages and your device that allow a website or application to count users and determine how long users visit web pages or applications. We use web beacons for website traffic reporting, unique visitor counts, auditing and reporting, personalization, and other functions.
Tracking Pixels. A tracking pixel is a small piece of code we may use to collect and share information on your usage of our website, such as the pages that you have visited, or the way you have interacted with them. Through the tracking pixels, your browser automatically establishes a connection with the server of an online advertiser. In this way, the online advertiser receives information that you access our website. This can allow us to ensure that we are serving ads that match your interests, when you are visiting any of the websites of the online advertiser, or a website that includes ads served by the online advertiser. If you are authenticated to an online advertiser using tracking pixels, e.g. by being registered and logged in to a social network, the online advertiser can assign the visit to our website to your account. The data we may collect through tracking pixels is anonymous and does not include any personal data of individual users. We have no influence on the extent to which the data collected through the tracking pixels is used by the online advertisers and therefore direct you to their privacy notices.
We use certain cookies and similar technologies to operate the Services, to measure and track how you interact with the Services, to ensure the privacy and security of our Services, to enhance your experience and provide you with a more personal and interactive experience, to provide interest-based advertising to you, to perform usage analytics, and to otherwise tailor our communications to you.
Some of our service providers may use cookies or other methods to gather information regarding your use of the Services and may combine the information in these cookies with personal information about you that you may have provided or that they may have through permissible means. How and when a third party uses that tracking information depends on their privacy policy, which you should review.
The cookies and similar technologies used on the Services include the following:
Essential: Essential cookies are necessary for basic features and functionality of the Platform. Without these essential cookies, the Platform will not perform properly, and we may not be able to provide you with certain Services you have asked for, provide access to secure areas, and choices you have made for better functionality cannot be provided. If you have chosen to identify yourself to us, we use cookies containing encrypted information to allow us to uniquely identify you. Each time you log into the Services, a cookie containing an encrypted, unique identifier that is tied to your account is placed on your browser. These cookies allow us to uniquely identify you when you are logged into our website.
Functionality: Functionality cookies help us customize content on the Services based on your preferences. We use functionality cookies to remember choices you’ve made or information you’ve provided, such as your username or the region you are in. This allows us to tailor your experience on the Services to your preferences. For example, authentication cookies are functionality cookies that are used for the duration of a session (or persistent, if you agree to the “remember me” function) to allow users to authenticate themselves on subsequent visits or gain access to authorized content across pages on the Services.
Analytics and Performance: We use analytics and performance cookies to collect information about how you use the Services, including which website pages you go to most often and if users receive error messages from certain pages in order to help us fix technical issues or errors and highlight areas where we can improve the Services. We also use these cookies to detect the most searched for words in search engines that lead to the Services. You may also encounter third-party analytics and performance cookies on our Services which may gather browsing activity (such as information you have entered or choices you have made) across numerous websites that you visit and across numerous browsing sessions. These cookies also help improve how our Services functions and performs, customizes your interaction with our Services, and helps provide more relevant messaging and marketing communications to you.
Advertising: Advertising cookies and other similar technologies are used by us to enable us to understand your interests and tailor marketing to you and your interests and provide you with a more personalized service. These cookies remember that you visited our Services and we may share this information with third-parties, such as advertising platforms, so that we can show you relevant offers and direct personalized advertising to you. We may also use these cookies to target and re-target visitors to our website with digital advertising that is most relevant to the user. These cookies are also used to limit the number of times you see an advertisement or particular content, as well as help measure the effectiveness of an advertising or marketing campaign.
We also use third-party digital tracking technologies on our website and receive data from such technologies including, but not limited to, the following:
Google Analytics. Where you have explicitly consented or have not disabled third party advertising cookies (depending on your location), we use Google Analytics to collect and process statistical data about the number of people using the Services and to better understand how they find and use the Services. The data collected includes data related to your device/browser, your IP address, and on-site activities to measure and report statistics about user interactions. The information stored is reduced to a random identifier. Google may show advertisements for us across the Internet. Google also uses cookies and other similar technologies to serve ads based on someone’s past visits to our Services. Any data collected by is used in accordance with this Policy and Google’s Privacy Policy. You can learn more about Google’s restrictions on data use by visiting the Google Privacy Policy. You can learn more about Google’s advertising services by visiting its Technologies page along with information on Google Analytics.
You can opt-out of Google’s use of cookies or device identifiers by visiting Google’s Ads Settings. You can also opt-out of Google Analytics, by installing the Google Analytics Opt-out Browser Add-on feature. For more details, visit the Google Analytics Opt-out Browser Add-on page.
LinkedIn Pixel. We may use LinkedIn Marketing Solutions Pixel (also known as the LinkedIn InsightTag) which is a snippet of Javascript code implemented on our Services to track page views and conversions and to provide insight into post-click and view-through conversions of our ad campaigns on LinkedIn. LinkedIn collects information relating to your visit to our Services, including referring address, IP address, device, and browser characteristics. LinkedIn does not share this information with us and only provides us with aggregated reports and alerts about the website visitors and ad performance. However, LinkedIn may use this information to serve you ads elsewhere. For more information on how LinkedIn uses this information, see their privacy notice. LinkedIn members can control the use of their information for advertising purposes through their LinkedIn account settings.
YouTube Services. We may use tracking technologies provided by YouTube as part of our services and/or embed YouTube videos on our Services. These tracking technologies enable us to understand and improve our marketing efforts, track the performance of any video content we have, and provide you with a more personalized experience. With respect to YouTube videos embedded on our Platform, no data about you will be transferred to YouTube if you do not play the videos. YouTube may collect information relating to your visit to our Services, including the referring IP address, device, and pages you accessed on our Services. Additional information on the purpose and scope of data collection and processing by YouTube can be found in YouTube/Google’s Privacy Policy: https://policies.google.com/privacy. By viewing any videos embedded on our Platform or as part of our services, you consent to the disclosure of information to YouTube through its tracking technologies.
We may use third parties such as advertising networks and other content providers to serve targeted ads on our Services and on other websites like Social Media Sites. This practice is referred to as interest-based advertising. These advertising networks and/or content providers may use cookies and similar tracking technologies to uniquely distinguish you, your web browser, or your device and report certain information about your visits to our Services and other websites (e.g., web pages you visit and your response to ads) in order to measure the effectiveness of our marketing campaigns and to deliver ads that are more relevant to you, both on and off the Services and across your devices, including on Social Media Sites. This information may also be used to evaluate our online advertising campaigns.
Some third parties may use data collection technologies to collect information from our Services and combine it with other information they have collected relating to your web browser’s activities across their network of websites, where permitted. We do not control these third parties’ technologies or how they may be used. If you have questions about targeted content, you should contact the responsible party directly or consult their privacy policies. Please see examples of the opt-outs offered below.
Some advertising networks we may use for these purposes may be members of the Digital Advertising Alliance (“DAA”) or the Network Advertising Initiative (“NAI”). Please visit the websites below to learn more about interest-based advertising and to opt out of receiving personalized advertising or content from participating third-party advertising companies:
Please note that if you opt-out, you may still receive online advertising from us, but it will not be tailored to your interests based on online behavioral information about you. To successfully opt-out, you must have cookies enabled in your web browser (see your browser’s instructions for information on cookies and how to enable them). Your opt-out only applies to the web browser you use, so you must opt-out of each web browser on each computer you use. Once you opt-out, if you delete your browser’s saved cookies, you will need to opt-out again.
Most web browsers are set by default to accept cookies. If you do not wish to receive cookies, you may set your browser to refuse all or some types of cookies or to alert you when cookies are being stored. These settings may affect your enjoyment of the Service’s functionality. Adjusting the cookie settings may not fully delete all of the cookies that have already been created. To delete them, you should review your web browser settings after you have changed your cookie settings.
If you decline the use of cookies, you may not have access to the full benefits of the Services. Further, your opt-out applies to the web browser you use, so you must opt-out of each web browser on each computer you use. Once you opt-out, if you delete your browser’s saved cookies, you will need to opt out again. In addition, adjusting the cookie settings on the Services may not fully delete all of the cookies that have already been created. To delete them, visit your web browser settings after you have changed your cookie settings on the Services.
The links below provide additional information about how to disable cookies or manage the cookie settings. PLEASE NOTE: These third-party links are provided for your convenience, and we may not actively monitor the content of these links.
For more information on how to modify your browser settings to block or filter cookies, visit http://www.aboutcookies.org/. You may learn more about internet advertising practices and related consumer resources at https://youradchoices.com/control, https://thenai.org/about-online-advertising/faq, and http://www.networkadvertising.org/choices.
We use chatbots to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our Services or through our customer service hotline. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. It responds to questions posed to it in natural language as if it were a real person using a combination of pre-programmed scripts and/or machine learning algorithms. When asked a question, the chatbot will answer using the knowledge database that is currently available to it. If the conversation introduces a concept it isn’t programmed to understand; it will pass it to a human operator. If you use our chatbot service, we will collect any personal information you provide to us. We will also create and store a transcript of your chat interaction with us which will be shared with and stored by our third-party service provider that supports the chatbot service. We use these transcripts and the information you provide for quality control, customer service, fraud prevention and security.
We retain and use your other information for as long as is necessary to fulfill the purposes for which it was collected, to comply with our business requirements and legal obligations, to resolve disputes, to protect our assets, to provide our services, and to enforce our agreements.
We take reasonable steps to delete the personal information we collet when: (1) we have a legal obligation to do so; (2) we no longer have a purpose for retaining the information; or (3) if you ask us to delete your personal information unless we determine that doing so would violate our existing, legitimate, legal, regulatory, dispute resolution, contractual, or similar obligations. We may also delete your information if we believe it is incomplete, inaccurate, or that our continued storage of it is contrary to our objectives or legal obligations. When we delete personal information, it will be removed from our active servers and databases, but it may remain in our archives when it is not practical or possible to delete it.
To the extent permitted by law, we may retain and use anonymous, de-identified, or aggregated information for performance reporting, benchmarking, and analytic purposes and for product and service improvement.
We recognize the importance of safeguarding your personal information and we endeavor to maintain reasonable and appropriate physical, technical, and organizational safeguards to protect your personal information against accidental loss and unauthorized access, use, alteration, or disclosure, and to detect fraudulent identity verification activity and mitigate risks concerning your personal information.
While our security measures seek to protect your information in our possession, no security system is perfect, and no data transmission is 100% secure. As a result, while we strive to protect your information, we cannot guarantee or warrant the security of any information transmitted to or from the Services. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Services.
Please use the “Contact Us” details provided at the end of this Policy to exercise your rights and choices under this Policy. If you would like to manage, change, limit, or delete your personal information, or if you no longer want to receive any email, postal mail, or telephone contact from us in the future, such requests may be submitted via the Contact Us details at the end of this Privacy Policy. We honor such requests when we are required to do so under applicable law.
Email Opt-Out. If you no longer wish to receive communications from us via email, you may opt-out by clicking the “unsubscribe” link at the bottom of our emails or by contacting us via the “Contact Us” details at the end of this Policy and providing your name and email address so that we may identify you in the opt-out process. Once we receive your instruction, we will promptly take corrective action.
Cookies: You may be able to set your browser to refuse all or some browser cookies or to alert you when cookies are being sent. You may also adjust your cookie preferences by using the cookies consent banner, if available.
Accuracy and Updating Your Information. Our goal is to keep your personal information accurate, current, and complete. If any of the personal information you have provided to us changes, please update it in your user/account profile, or let us know via the “Contact Us” details at the end of this Policy. We are not responsible for any losses arising from any inaccurate, inauthentic, deficient, or incomplete personal information that you provide to us.
Complaints. If you believe your rights relating to your personal information have been violated, please contact us via the “Contact Us” details provided at the end of this Policy.
California Shine the Light. Under California Civil Code Section 1798.83, California residents who provide personal information in obtaining products or services for personal, family, or household use may be entitled to request and obtain from us once a calendar year information about the information we shared, if any, with other businesses for direct marketing uses. Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing, if any, will be included in our response. As part of the California Online Privacy Protection Act, all users of our Services may make any changes to their information at any time by contacting us at privacy@affirmativeusa.com.
To the extent you are a resident of certain U.S. states with comprehensive state privacy laws, you may be eligible for one or more of the following consumer rights where authorized by applicable U.S. state privacy laws. This section provides an overview of these rights which we honor where required by applicable law:
If you have questions or concerns regarding this Section or would like to exercise your consumer rights (to the extent available under applicable U.S. state privacy laws), please use the “Contact Us” details at the end of this Policy.
This Policy only applies to the Services and it does not apply to any third-party websites or applications.
The Services may contain links to, and media or other content from, third parties. These links are to external resources and third parties that have their own privacy policies. Because of the dynamic media capabilities of the Services, it may not be clear to you which links are to external, third-party resources. If you click on an embedded third-party link, you will be redirected away from the Services to the external third-party website. You can check the URL to confirm that you have left the Services.
We cannot and do not (1) guarantee the adequacy of the privacy or security practices employed by or the content and media provided by any third parties or their websites, (2) control third parties’ independent collection or use or your information, or (3) endorse any third-party information, products, services or Services that may be reached through embedded links on the Services. Any information provided by you or automatically collected from you by a third party will be governed by that party’s privacy policy and terms of use. If you are unsure whether a website or application is controlled, affiliated, or managed by us, you should review the privacy policy and practices applicable to each linked website or application.
The Children’s Online Privacy Protection Act (“COPPA”), as well as other data privacy regulations, restrict the collection, use, or disclosure of personal information from and about children on the Internet. Our Services are not directed to children under the age of 18, nor is information knowingly collected from children under the age of 18. If you are under 18, please do not use or provide any information on the website or through our Services (including, for example, your name, telephone number, or email address). If we learn that we have collected or received personal information from a child under the age of 18 without a parent’s or legal guardian’s consent, we will take steps to stop collecting that information and delete it. If you believe we might have any information from or about a child under the age of 18, please contact us via the “Contact Us” details provided at the end of this Policy.
For more information about COPPA, please visit the Federal Trade Commission's website at: https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/childrens-online-privacy-protection-rule.
We may add to, change, update, or modify this Privacy Policy from time to time. Should this Privacy Policy change, we will post all changes to this Privacy Policy on this page and any such changes, updates, or modifications will be effective immediately upon posting. If we make material changes, we will also notify you through a notice on the homepage of the Services for a reasonable period of time. We may also, in our discretion, notify you of changes to this Privacy Policy via email. The date on which this Privacy Policy was last modified is identified at the beginning of this Privacy Policy.
You are expected to, and you acknowledge and agree that it is your responsibility to, carefully review this Policy prior to using the Services, and from time to time, so that you are aware of any changes. Your continued use of the Services after the “Last Updated” date will constitute your acceptance of and agreement to such changes and to our collection and sharing of your information according to the terms of the then-current Privacy Policy. If you do not agree with this Policy and our practices, you should not use the Services.
For more information, or if you have any questions or concerns regarding this Privacy Policy, you may contact us using the information below, and we will do our best to assist you. Please note, if your communication is sensitive, you may wish to contact us by postal mail.
In Writing:
Affirmative Technologies, LLC
28100 US Highway 19 North
Suite 300
Clearwater, FL 33761
By Email: privacy@affirmativeusa.com