Privacy Policy

The privacy of your data is a top priority of APiO, Inc. and its related companies (“us” or “APiO”). This Privacy Policy describes APiO’s policies with respect to the handling of personally identifiable information (“Personal Information”) and confidential business information (“Business Information”) submitted to or otherwise collected by APiO through our websites, mobile applications, and/or in the course of providing our accounts receivable and accounts payable management services (collectively the “Services”). We will only use and disclose Personal Information and Business Information (together, “your Information”) in accordance with the terms of this Privacy Policy. In the event that you elect to have APiO integrate with your accounting software or internal business technologies or access your bank accounts as part of the Services, we may agree to additional privacy terms with you to govern our access to and use of that Information.

Consent and Modification

By using the Services, you consent to the terms of this Privacy Policy and to our collection, processing and sharing of your information for the purposes described. If you do not agree to this Privacy Policy, please do not access or otherwise use the Services. We reserve the right, at our discretion, to change this Privacy Policy at any time. Such change will be effective ten (10) days following posting of the revised Privacy Policy on our website, and your continued use of the Services thereafter means that you accept those changes.

Personal and Business Information We May Collect

Personal Information is information which can be used to identify an individual. Business Information is information that relates to the business that you register on the site to gain access to the Services. We collect your Information any time the Services are used. The Information collected includes information provided to us directly by you and by merchants or financial institutions. The collection of your Information is necessary for use of the Services. This Information includes, among other things: Your name Contact information (such as email address, phone number and mailing address) IP address and information about the device used to access the Services Bank account information Business Information, including your financial information and information we may gather from third party sources Information provided to us through means such as social media or when you contact us through our website. We also collect or compile other information about you (such as enrollment numbers or demographic group information) which does not identify you. We may use or share any other information with third parties for any lawful purpose.

Use of Cookies

APiO and its third party service providers use certain tools to collect information about users browsing our website. These tools use cookies which are small text files that are stored on a user’s computer hard drive. The cookies are used, among other things, to improve website performance, to provide customized viewing options, to compile statistical reports on website activity, for fraud reduction or for security purposes. We also use cookies to recognize customers or a previous visitor of our website, or to pre-populate website forms. Such information may be disclosed to third parties to provide any of the activities mentioned above on behalf of APiO.

How We Use Your Information

Our use of your Information varies based on your relationship with APiO. APiO primarily uses the Information to provide the Services and related features, including to: Assess the terms and quality of your accounts receivable and accounts payable Facilitate the processing of payment transactions Respond to your requests and inquiries Provide you support services Send administrative information, such as changes to our terms, conditions and policies Analyze and monitor Services usage and make improvements Help secure the Services, prevent fraud and enforce our policies Help personalize our Services Communicate about other APiO services or those of our affiliates or other third parties Make contact, directly or through a third party vendor, to complete a survey or questionnaire Communicate, directly or through a third party vendor, about APiO offerings, about general company news and industry trends, and to address responses to a survey or questionnaire Compile information for use on an aggregated and de-identified basis Conduct data analysis and research, audits, develop new products, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities Perform other activities with your consent

How We Share Your Information

We will only share your Information as described in this policy. Specifically, we may share your Information: As necessary to perform the Services and to complete payment transactions With companies and vendors that help us to operate our business by providing services such as website hosting, data analysis, information technology and related infrastructure provision, customer service, email delivery, auditing and other similar services With third parties that have contracted with APiO to perform certain functions on our behalf With third party sponsors of promotions or contests where consent has been given To comply with law or other legal obligations such as responding to subpoenas, or other requests from public and government agencies, including laws and other legal obligations outside a party’s country of residence To protect our rights, operations or property, or that of our users To investigate, prevent, or take action regarding potential or suspected illegal activities, fraud, threats to the personal safety of any person, or violations of the Service’s terms and conditions With other entities that control, are controlled by, or are under common control with APiO that support the provision of the Services or relationship with a party. This includes its subsidiaries and parent companies. With a purchaser of all or a unit of APiO (or the majority of APiO’s or its unit’s assets), a merger, acquisition, or internal reorganization of APiO or a unit of APiO With our consent Please note that any information posted to public areas such as on our social media pages may be seen by other visitors.

How We Protect Your Information

APiO uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Information. We cannot, however, ensure or warrant the security of any information you transmit to APiO or guarantee that your Information on the Service may not be accessed, disclosed, altered or destroyed by breach of any of our physical, technical, or managerial safeguards. In the event that APiO becomes aware that your Information has been compromised as a result of a breach of security, APiO will promptly notify you as required by applicable law.

Opting Out

You can choose not to provide us your Information when you use our website(s) or mobile application(s). However if the information request is not identified as optional and you choose to not provide required your information, then you may not be able to use the features of the website or mobile application. Users can opt out of receiving promotional email from APiO by following the unsubscribe link in those email messages. Users can opt out of receiving SMS text messages from APiO by replying STOP to any message. You can configure your browser to reject cookies, or to notify it when a cookie is set. However, if you reject cookies, the Services may not operate properly.

Accessing or Editing Your Information

APiO may be contacted at the email address at the bottom of this policy to request access to or that we update, or correct your Information collected by our Services. Please note, that consistent with applicable law, APiO may retain your Information for auditing purposes, to troubleshoot problems, assist with investigations, enforce our policies or comply with legal requirements. Please note that we are not responsible for permitting the review, or the updating or deleting your Information provided to a third party, including any mobile application, social media platform, or wireless service provider.

Third Parties and Linked Services

APiO is not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, including any of your Information disclosed to other organizations through or in connection with the Services. The inclusion of a link on the APiO website does not imply endorsement of the linked site or service by APiO.


We are not an entity that is covered by the Health Insurance Portability and Accountability Act (HIPAA). The HIPAA privacy rules apply to health plans, health care clearinghouses or to healthcare provider who transmit health information in electronic form and to their service providers. This means that the Information that you provide to us is not protected by the HIPAA privacy rules and regulations. You may not submit or otherwise make available any protected health information (as that term is defined under HIPAA) to us.

Retention Period

We will retain your Information for the period necessary to fulfill the purposes outlined in this policy unless a longer retention period is required or permitted by applicable law or regulation.

California Privacy Rights

California Civil Code Section 1798.83 permits our customers who are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to Please note that we are only required to respond to one request per customer each year.

Use of the Services by Minors

The Services are not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide your Information through the Services.

How to Contact APiO

If you have questions or comments about our privacy practices, or if you want APiO to correct your Information that is stored on APiO systems, please submit your request in writing to:
APiO, Inc.
2701 N. Thanksgiving Way
Suite 100
Lehi, UT 84043
Subject to our ability to verify your request, APiO will correct the information within thirty (30) days of receipt of your request. This Privacy Statement was last updated October 2018.