2 Documents
0 All provisions 0 High severity 0 Medium severity 0 Low severity
4 Changes · 12 mo
Aug 1, 2026 Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Objective measurements
Counted directly from the archive for Ramp — documents, captured versions, and detected changes.
2
Documents tracked
6
Versions captured
4
Changes · 12 mo
4
Changes · all-time
4.3 d
Avg between changes
10
Days since change
6 d
Longest stable stretch
ConductAtlas User-Protection Index
Insufficient coverage
Insufficient coverage to score
Only 2 of 6 governance dimensions are confidently known for Ramp — too few for a headline score. What we do have is shown below.
How is this scored? →

Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Ramp’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.

Consumer tier · insufficient coverage (scored on 2 of 6)
Arbitration & class action weight 22% 0.0
Data sharing & sale weight 20% not stated
AI training on your data weight 18% not stated
Data retention & deletion weight 15% not stated
Content ownership & licence weight 15% not stated
Liability & warranties weight 10% 0.0
Business tier · insufficient coverage (scored on 2 of 6)
Arbitration & class action weight 22% not stated
Data sharing & sale weight 20% not stated
AI training on your data weight 18% not stated
Data retention & deletion weight 15% 0.0
Content ownership & licence weight 15% not stated
Governance Coverage
Contract Terms
33 provisions · 12 high · 17 med
Privacy Rights
27 provisions · 7 high · 14 med
Payment Fees
26 provisions · 16 high · 10 med
Data Sharing
24 provisions · 13 high · 10 med
Data Collection
21 provisions · 7 high · 13 med
Data Usage
20 provisions · 9 high · 11 med
Liability Limitation
18 provisions · 12 high · 6 med
Arbitration
15 provisions · 5 high · 9 med
Account Control
14 provisions · 7 high · 7 med
Acceptable Use
14 provisions · 7 high · 7 med
Quick Facts
Arbitration: Not stated
AI Training: Not stated
Data Retention: Retained after closure
Class Action: Waived
Key Governance Provisions
High California marketing practices may constitute sale or share

Characterizing these marketing practices as a potential 'share' or 'sale' under California law may trigger specific consumer rights and opt-out entitlements for California residents.

High Ramp not liable for consequential or indirect damages

Because the exclusion covers a broad range of damage categories including lost profits and reputational harm, the types of losses Company could realistically suffer from a service failure are largely…

High Company authorizes Ramp to debit Linked Accounts for all amounts owed

Because the authorization extends to assigns and covers all amounts owed, Ramp and its partners can pull funds directly from Company accounts without seeking separate approval for each transaction.

High Ramp may limit suspend or terminate account for violations

Because the threshold is Ramp's reasonable discretion belief that a violation may have occurred—not a confirmed violation—Ramp can act before any breach is established.

High California right to correct or delete Personal Information

This right gives users a mechanism to challenge the accuracy of their data or seek its removal, subject to exceptions Ramp has not enumerated in this excerpt.

Document Coverage
Privacypolicy Termsofservice
Last change detected: Aug 1, 2026 Changes (12 months): 4 Documents monitored: 2 Provisions tracked: 0
Compare With Similar Platforms
Acorns ADP Adyen Affirm Afterpay Allstate Apple Pay Bank of America

Documents

Ramp Privacy Policy

Last updated May 5, 2026 · Privacy policy
0 provisions 3 versions captured Version history →

Ramp Terms of Service

Last updated May 5, 2026 · Terms of service
0 provisions 3 versions captured 1 significant change Version history →

Recent Changes

July 18, 2026 · Ramp Terms of Service Medium

Ramp updated its Terms of Service on July 18, 2026 with substantial changes across multiple operational areas. The update adds regional schedule provisions for UK and EU users, expands sanctions …

View change record →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (0)

No provisions found.

View all high severity provisions → Compare Ramp with other platforms →

Get the research letter

Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
ePrivacy Directive
European Union
View official text ↗
FCRA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

Compare with Similar Platforms

Acorns
financial
ADP
financial
Adyen
financial
Affirm
financial
Afterpay
financial
Allstate
financial
Apple Pay
financial
Bank of America
financial

Frequently Asked Questions

What Ramp documents does ConductAtlas track?

ConductAtlas tracks 2 Ramp documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Ramp made in the past year?

Ramp has made 4 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Ramp?

ConductAtlas has classified 0 provisions across Ramp's tracked documents. 0 are rated high severity, 0 medium, and 0 low.

Can I get alerts when Ramp changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Ramp to their watchlist and receive same-day email alerts whenever any tracked document changes.