Key Facts
What notice does Ramp provide regarding material changes?
Ramp will provide reasonable advanced notice of material changes to its collection, use, or disclosure of Personal Information before those changes take effect for the user.
What does Ramp acknowledge under California law?
Ramp acknowledges that, under California law, certain marketing practices—specifically the disclosure of website visitor data to obtain targeted ads and analytics to advertise on third-party sites—may be considered a 'share' or 'sale' of Personal Information.
May the disclosure of website visitor data to obtain targeted ads be considered a 'sale' of Personal Information?
Ramp acknowledges that, under California law, certain marketing practices—specifically the disclosure of website visitor data to obtain targeted ads and analytics to advertise on third-party sites—may be considered a 'share' or 'sale' of Personal Information.
What rights does Ramp grant to California users?
Ramp grants California users the right, subject to certain exceptions, to request correction of inaccurate Personal Information or deletion of Personal Information Ramp has collected from them.
What is Connected Data?
Ramp collects Connected Data—information and documentation made available through Third-Party Services connected to its Services—which may include Personal Information such as business expenses and a Company's external transactions.
What may Connected Data include?
Ramp collects Connected Data—information and documentation made available through Third-Party Services connected to its Services—which may include Personal Information such as business expenses and a Company's external transactions.
What is included in Identity Verification & Risk Information that Ramp collects?
Ramp collects Identity Verification & Risk Information, which includes personal identifiers such as name, email address, phone number, employer, job title, date of birth, residential address, country of citizenship, photograph, social security number, driver's license, and passport.
When does Ramp process Personal Information as a Controller?
Ramp processes Personal Information as a Controller when users use or interact with its corporate card and expense management, travel, and procurement services.
In accordance with what does Ramp process Personal Information on behalf of a Company?
When Ramp processes Personal Information on behalf of a Company to provide contracted Services, it does so in accordance with the Agreement and the Customer's instructions, not this Privacy Policy.
How long does Ramp retain Personal Information?
Ramp retains Personal Information for as long as it has a business or operational purpose to retain it and as necessary to comply with legal or regulatory obligations, resolve disputes, prevent fraud, and enforce its rights.
2 important changes detected
3 versions captured · Last updated: August 2026
What changed
Ramp's UK privacy notice was revised to clarify its role in regulated financial services. The previous language stated Ramp provides regulated account information services as an agent of Plaid Financial Ltd.; the updated language states that for applicable parts of the Services, Ramp acts as an agent of Plaid, and Plaid provides regulated account information services through Ramp. This represents a clarification of the service delivery structure and regulatory roles, with no material change to the underlying regulatory framework or Plaid's FCA authorization.
Why this matters
The updated notice clarifies how Ramp and Plaid Financial Ltd. deliver regulated account information services to UK users. The revised language states that Ramp acts as an agent of Plaid, an authorized payment institution regulated by the Financial Conduct Authority, and that Plaid provides regulated account information services through Ramp. This is a clarification of the service delivery structure rather than a material change to the regulatory framework or your existing protections.
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What changed
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.
Why this matters
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.
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Archival ProvenanceSource & Archival Record
Last Captured
August 1, 2026 01:01 UTC
Capture Method
Automated scheduled archival capture
Document ID
CA-D-000532
Version ID
CA-V-005441
SHA-256
59ac80eb2d557ead12e8397171c278f9abd8ddac75c80b011fc1a0bbe3bc68e7
✓ Snapshot stored
✓ Text extracted
✓ Change verified
✓ Hash verified