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In an update detected on July 25, 2026, Ramp added a new 'Additional Information for UK Residents' section to its privacy policy. The new section discloses that Ramp provides regulated account information services as an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017. This addition clarifies the regulatory framework and institutional relationships governing account information services for UK users.
The updated privacy policy now includes a dedicated section for UK residents that discloses Ramp's regulatory status. The policy states that Ramp provides account information services as an agent of Plaid Financial Ltd., which is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017. This disclosure does not materially change how data is processed, but clarifies the regulatory framework and institutional relationships governing these services for UK users.
This addition clarifies the regulatory framework governing Ramp's account information services for UK users. By explicitly stating the agent relationship with Plaid Financial Ltd. and FCA regulatory authority, the updated disclosure establishes transparency around institutional relationships and regulatory oversight that may affect how users and organizations relying on Ramp evaluate compliance and risk.
New section discloses that Ramp provides account information services as an agent of Plaid Financial Ltd., regulated by the FCA under the Payment Services Regulations 2017.
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This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
This change adds a regulatory disclosure required under UK financial services law. Ramp has added explicit language identifying its agent relationship with Plaid Financial Ltd. and stating FCA regulatory authority. This is a compliance-oriented addition clarifying regulatory status rather than a substantive operational or data-handling change. Organizations relying on Ramp should note the clarification of the agent relationship and verify alignment with their own regulatory obligations around payment services and account information handling.
Regulatory exposure, obligation analysis, escalation trigger, board language, and recommended action.
ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-003978.
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