Privacy Policy
CElegans Labs, Inc. (doing business as AtoB) provides financial products and services to growing companies. We understand that by using AtoB, your company places trust in us to handle your data and personal information appropriately, including your personal information and the personal information of individuals affiliated with your company, such as your company’s employees, contractors, or beneficial owners.
We want to make sure that you have all the information necessary about how we process—that is, how we use, collect, transmit, store, share, and erase—personal information, which does not include anonymized or aggregated data, so you can make an informed decision about how you want to interact with our products and services.
We know that you may have questions about how we process your personal information, so we have laid out how we process personal information about you. We’re always open to inquiries and suggestions on how we can improve; please reach out to our Privacy Team at
support@atob.us.
1. Personal information we process and how we process it
The personal information we process depends on the products you use and how you access them. We process information when you directly interact with AtoB in the following ways:
- Filling out an application and creating an AtoB account
- Making a purchase using your physical AtoB card
- Browsing atob.us or using app.atob.us.
- Using our iOS or Android mobile apps
- Connecting external accounts to your AtoB Account
- Calling, chatting, or interacting with AtoB (such as with our Customer Support or Sales)
- Interacting with us at a conference, webinar, or event
Information needed to apply and create an AtoB account
If you are submitting an application to open an AtoB account, we need to process a certain amount of preliminary information about you, your company, and individuals associated with your company to comply with our legal and regulatory obligations. When you apply for an AtoB account, we may process:
- Your name
- Your title or role on your team
- Your email
- Your phone number
- Your address
- Your date of birth
- Your password (hashed) — unique, long, and strong, please
- Information related to your company, including the company’s legal name, address, copies of your company’s corporate documents, and Employer Identification Number (EIN)
- Information about individuals on your leadership team or individuals who have an ownership interest in your company
- Your company’s bank account information
- Other information pertaining to your identity such as copies of a passport, driver’s license, or other national ID
- Your Tax Identification Number (TIN) or your Social Security Number (SSN)
- Revenue information (such as information related to Shopify, Amazon, or other ecommerce revenue platforms)
- Personal information provided to us from third-party companies we partner with to offer services to you (see below).
Information needed to use our products and services
We need to process personal information when your company assigns you an AtoB card or otherwise allows you to use our products and services (for example as an employee or authorized representative). To use these services, we may process:
- Your name
- Your email
- Your phone number
Information processed when you make a transaction
Each time you make a payment using an AtoB card, we receive information about your transaction. We may receive this information directly from you or from our financial partners (including our processing and bank partners) or the card networks (Mastercard or Visa). We may process:
- Payment method information (card number, card type, PIN)
- Purchase amount
- Purchase date
- Purchase location
- Whether you made the purchase online or in a store
- Receipt information
- Information provided to us by the card network associated with transactions, merchants, or cardholders
Information automatically processed when you visit our websites or use our mobile app
We process personal information automatically when you visit our website or use our mobile app to make our services work, to prevent fraud and enhance security, to understand your preferences, and to tailor services to you for the best possible experience. We may process:
Browser and device information
- IP address
- Mobile and other hardware or device identifiers
- Operating system
- Browser information, such as type and version
- Referring and exit pages, including landing pages and pages viewed
- Device event information, including crash reports, request and referral URLs and system activity details
Information about your use of our website or mobile app
- Your location
- What you click on and what you type, time you spend on our websites, and other user experience information
Cookies and trackers
We also use cookies and other activity tracking tools to help our website function effectively. These tools allow us to:
- Provide you services such as those that allow you to chat with our Customer Experience team
- Perform website and mobile analytics
- Improve the advertisements you see
- Help prevent fraud and prevent attacks against our websites and services
- Advertise and promote AtoB products and services, and additional products and services from our partner companies
We use cookies and trackers to assign you a unique identifier so we can record:
- Websites you visit
- Length of time the advertisement was visible
- IP Address
You can block these at any time using your web browser settings, but doing so may limit browsing experience and your ability to use certain features of our services.
Information processed when you interact with AtoB teams
We may process personal information about you when you call, chat, email, or interact with members of AtoB teams (such as Customer Support, Sales, or Marketing), including:
- Your name
- Your email, phone number, or other contact information
- Content of your communications, including, in some cases recorded calls, and survey responses
Information processed when you join a webinar or event
We may process personal information about you when you join AtoB at an event in person or online via a webinar. We may collect this information directly or obtain it from a third-party service provider. We may process:
- Your name
- Your email or other contact information
- Registration date and time
- Webinar attendance information, when you joined a webinar, when you left, if you were paying attention, and what country you joined from
Information processed when you make a payment to AtoB
When you submit a payment to AtoB, we collect information to verify the legitimacy of the payment. We may process:
Information related to an ACH payment
- Recipient name or company
- Sender name or company
- Amount sent
- Amount received
- Routing and account numbers
- Recipient bank and account name
- Account type
- Other information generated when a payment is made through the ACH Network
Information related to a wire transfer
- Recipient name or company
- Sender name or company
- Amount sent
- Amount received
- Routing and account numbers, including IBAN & SWIFT code
- Recipient bank and account name
- Recipient address and country
- Wire instructions or purpose of payment
- Other information generated when a payment is made through an electronic payment transfer network
Information related to the processing of a check
- Recipient name or company
- Sender name or company
- Amount sent
- Amount received
- Memo
- Recipient address and country
- Recipient email
- Pictures of a check and related information (routing and account numbers, address of sender, telephone of sender, signatures of sender and endorser).
Information processed from our business partners and service providers
We process personal information we receive from financial partners, identity verification services, and other third-party service providers, and information you share with us about your use of their products and services:
- To comply with regulatory and reporting obligations
- To facilitate your use of our products or services, or other products and services
- To underwrite your account
- To conduct fraud monitoring, prevention, and detection
- To fulfill commitments to our business partners
- To fulfill requests made by you
Information necessary to comply with regulatory and legal requirements
When you open an AtoB account as a company owner or an administrator on behalf of a company, or you provide information of an individual with an ownership interest in a company, we process personal information we receive from identity verification services and other third-party service providers that we must keep to comply with the law, including:
- Your name
- Your phone number
- Your SSN
- Your current or previous addresses
- Your date of birth
Information processed to integrate third-party products and services with your AtoB account
When you choose to link your AtoB account with products and services provided by our business partners, we process personal information we receive from them to ensure our products and services work properly together.
We also process information provided by your bank. To underwrite your account, provide you the highest credit limit possible, and determine your eligibility for AtoB Rewards, we require you to give us information about your company’s finances and access to your company’s bank account. We use third-party service providers to process information about your company’s bank account activity. When you link your bank account, we may process the bank account credentials and all information associated with the bank accounts associated with those credentials, including:
- Unique identifiers associated with your bank
- Account names
- Bank account type
- Transaction history and related information
- Account balances
- Bank routing and account numbers
If you do not link your bank directly, we process information you provide with copies of your bank statements and other financial information about your company .
To link your bank account with your AtoB account, a third-party service provider may use and store your bank account credentials. We do not store your bank account credentials on AtoB systems.
AtoB account connections
We offer the ability to connect your AtoB account with accounting services (such as QuickBooks Online, Xero, and Netsuite), travel services, and other products and services. We both provide personal information to and receive personal information from these services on your behalf.
Accounting and expenses services. When you direct us to connect your AtoB account to these services, we collect certain information to make those integrations work, including:
- Unique identifiers associated with the third-party connected account
- Information associated with your general ledger account
- General ledger account codes
- Locations
- Classes
- Departments
- Email addresses
The information we collect may differ based on the accounting service and the choices you make relating to that service.
Ecommerce revenue platforms. When you connect to an ecommerce revenue platform like Shopify or provide us ecommerce revenue data via other platforms like Amazon, Paypal, or Braintree, we receive data about your ecommerce revenue account, including:
- Account data
- Product, order, and payment data
- Store analytics
- Any other data that you may share with us related to those accounts
Information from program partners
We get information from financial service providers such as our issuing bank, card networks, and financial institutions that process payments on our behalf to make our services work. The information we get includes personal information related to your transactions using a virtual or physical AtoB card as described above.
Information processed to conduct fraud monitoring, prevention, and detection
We process personal information from our business partners, financial service providers, credit reporting agencies, identity verification services, public sources, and other third parties to prevent fraud.
Information processed as a result of a business partnership, referral, or agreement
We enter into agreements with financial partners and other businesses that provide products and services related to ours, and as a result of these partnerships, AtoB may receive personal information related to that particular relationship or partnership. We may process information about:
- You and your relationship with the business partner
- Your email or other contact information
- Your membership or relationship status with the business partner
2. How we use personal information
We process your personal information for the reasons stated specifically in this policy, but we may also process personal information about you to:
Operate our business and provide tailored services to you, i.e.,
- Communicate with you about the products and services by phone, text, email, or chat
- Monitor, prevent, and detect fraud or unauthorized activity
- Secure our systems and products
- Mitigate financial loss, claims, liability, and other harm to our users, AtoB, our partners, or third parties
- Manage, operate, and improve the performance of our products and services
- Determine eligibility for AtoB products or services
- Help you make or receive a payment via ACH, wire, or check
- Provide you with tailored recommendations
- Identify, fix, and troubleshoot bugs and errors
- Facilitate reporting, analyze performance, and auditing
- Understand how you use our services so we can make enhancements or improvements
- Facilitate business relationships or comply with contractual obligations
- Comply with our regulatory, legal, and other compliance obligations
- Advertise or market services and products to you
- Determine eligibility for, calculate, and provide AtoB Rewards
- Compare information for accuracy and verify it with third parties
- If you elect to share information about your geolocation, we will use this information to enhance the security of our products and services and to prevent fraud
Provide you with support, i.e.,
- Help identify and troubleshoot problems with your account
- Survey your opinions through surveys or questionnaires
- Communicate with you and respond to your specific requests or questions
- Manage and send you notifications, confirmations and important information about your account and our products and services
Anonymized and aggregated data
To better target advertisements, improve, and market our products and services, and for other promotional purposes, we may reasonably transform personal information into de-identified information removing or masking information that could be used to identify you and by aggregating or combining de-identified data with other information. If you don’t want us to use your data in anonymized or aggregate form for promotional purposes, contact us at
support@atob.us.
3. How we share personal information
AtoB may provide personal information to third parties to improve our products and services, to operate our business, and to help AtoB market to potential customers. We may share all of the categories of information listed in this Privacy Policy with other companies:
- to operate AtoB’s products and services or support general operations of AtoB’s business;
- to integrate the products and services of our business partners with your AtoB account;
- to use third-party cloud services to host our website and store the information we process about you;
- for any other legitimate business purpose.
No sale of personal information
We do not and will not sell or allow our service providers to process your personal information for their own use without your express consent, unless the processing of that information is either required by law or we determine that disclosure is reasonably necessary to enforce our rights, protect our property or operations, or enforce the rights and protect the property or operations of our business partners and customers.
Payment-related information
We share some personal information about you, such as your name and information about the payment method, with the person or merchant you are paying.
Anonymizing or aggregating information
We may share anonymized or aggregated information, or other data that does not directly identify you or your company, with third parties.
Affiliate sharing
AtoB may share personal information we process about you with other AtoB companies to provide additional services to you, determine eligibility for new products and offers, and for other legitimate business interests.
Sharing with service providers
We share your personal information with our service providers that operate and provide services on our behalf. These service providers need access to your personal information to perform information processing, manage or enhance our customer information, tailor services to you and your preferences, and perform other services related to our business. We work with our service providers to make sure that they do not sell the personal information that we share with them.
Advertising
We may use third parties to send advertisements on our behalf. We may only share a very limited set of personal information required to deliver our advertisements to you (such as an email address to deliver the message to you), and we do not permit these third parties to use or share your personal information to advertise unaffiliated products or services to you. These third parties may also use cookies or similar tracking tools to identify you through your browser usage. While you may disable these tools in your browser settings, you may still receive non-targeted advertisements we sent as part of a general marketing campaign.
Information sharing with financial and business partners
We share personal information to facilitate the services we provide to you with our business and financial partners.
Information sharing with card issuing partners
AtoB partners with banks to issue cards to you. AtoB owns and controls the transaction data and other personal information we share with card issuing partners. We share the personal information you provide in your application for an AtoB account with our card issuing partners to comply with our contractual obligations and to facilitate compliance with their and our regulatory obligations. Our card issuing partners do not sell or use your personal information or use any related data to market or to develop products and services, or for any other purpose not authorized by us.
Information sharing with credit reporting agencies
We share information about you and your account with credit reporting agencies to verify information about your business, to report on your business’s performance, and to report late payments, missed payments, or other defaults, which in some cases may contain personal information.
Information sharing with card network partners
Mastercard or Visa separately processes information related to your use of your cards. For more information on how Mastercard and Visa handle your personal information, please visit
Mastercard’s Global Privacy Notice or
Visa’s Global Privacy Notice, respectively.
Information sharing for partnerships and referrals
We share personal information to facilitate referral partnerships. For example, if you were referred to us through an organization we may provide confirmation to that organization that your company opened an AtoB account with us, and information relating to your AtoB account activity solely for the purpose of calculating any referral fees we owe related to the referral.
Sharing authorized by you, your users, or authorized representatives
We continually enhance our products and services by integrating with products and services provided by other companies. For these integrations to work and with your explicit consent, we may need to share your personal information with them. Information we share with these companies will be used and disclosed according to that company’s privacy policy. You should review the privacy policy of any company that has access to your personal information related to the integration with your AtoB account.
Sharing with accounting and expenses services
We offer integrations with many popular accounting services (such as QuickBooks Online, Xero, and Netsuite). We share information with those services solely as directed by you, your users, or authorized representatives.
Sharing as part of a corporate transaction
In the event of a corporate sale, merger, reorganization, dissolution or similar event, personal information and data we process from you may become part of the assets we transfer or share in preparation for any such transaction. Any acquirer or successor of AtoB may continue to process personal information consistent with this Privacy Policy.
Compliance and compelled disclosure
We may share personal information:
- to comply with applicable law, regulation or payment network rules;
- to enforce our contractual rights or comply with contractual obligations;
- to protect the rights, privacy, safety and property of AtoB, you, our customers, our business partners, or others;
- to respond to requests from auditors, courts, law enforcement agencies, regulators, and other public and government authorities, which may include authorities outside your country of residence. When complying with court orders and other similar legal processes, AtoB strives for transparency. We will make reasonable efforts to notify our customers and users of any disclosure of their personal information, unless we are prohibited by law, court order, or exigent circumstances prevent us from doing so.
4. Where we store personal information
We provide and direct our services only to companies incorporated in the United States and for use exclusively by their employees or authorized representatives. We may process and store personal information for the purposes described in this Privacy Policy in the United States or any other country in which AtoB, its subsidiaries, affiliates, or service providers operate. We will store this information while we continue to provide products and services to you, to operate our business, comply with contractual obligations, and for as long as required by law.
If you ask us to delete specific personal information (see “Your Choices About Your Personal Information” below), we will honor your request unless deleting the information prevents us from billing for our products and services, calculating taxes, conducting required audits, or carrying out other legitimate business functions, or we are required by law or contractual obligation to keep that information.
5. Other important information about personal information security
We use organizational, technical, and administrative measures to protect personal information; however, no data security program is entirely secure. Please contact us at
support@atob.us immediately if you believe that your personal information or any other confidential information that you have provided to us is no longer secure or has been lost or stolen. If we confirm that there has been a breach of personal information or confidential data related to you, we will notify you.
Use by minors
If you are under the age of 16, you may not have a AtoB account or use our products or services. We do not knowingly process any information from, or direct any of our products or services to children under the age of 16. Please do not provide us with any personal information related to children under the age of 16.
Personal information related to administrators, employees, company owners, and authorized representatives
In some circumstances, we require you to provide us with personal information relating to another person (such as providing us with personal information about the owners of your business during the application process or providing us with personal information about your employees). Do not provide us with any personal information unless you have obtained consent of these persons or you are sure the disclosure of the personal information is otherwise permitted by law or contract. You must inform all other persons whose information you share with us how we process personal information and all other terms of this Privacy Policy.
AtoB account users
Our products and services are intended for use only by companies, and you may only use an AtoB account or Card if you are an employee or other authorized representative of a company that has opened an AtoB account. The company’s administrator is responsible for the AtoB account and cards associated with that company. An administrator can: restrict, suspend, or terminate your access to or ability to use the services, access personal information about you, access or retain information stored with us, and restrict your ability to edit, restrict, modify, or delete information associated with your use of our products and services.
6. Your choices about your personal information
Electronic communications
You may choose not to receive promotional emails from us by following the unsubscribe/opt-out instructions in those emails, but we may still send you non-promotional messages relating to material or transactional information about our products and services such as updates to our platform agreement, privacy notices, security alerts, and other notices relating to your access to or use of our products and services.
Deletion or closure of an AtoB account
Closure or deletion of your company’s AtoB account will mean that you permanently lose access to the personal information and data associated with the AtoB account. Certain personal information or de-identified information associated with your company’s AtoB account may nonetheless remain on systems owned or maintained by AtoB where required to comply with the law, our contractual obligations, or carrying out legitimate business functions.
Application rejection
To comply with legal and regulatory obligations, we retain certain personal information associated with rejected applications for AtoB accounts.
California rights
If you are a California resident, you have certain rights over the information that we have about you. You can:
- Access a copy of any personal information we have about you
- Delete any personal information we have about you when we do not have legal or contractual obligations to keep the information or a need for the information to carry out a legitimate business function
- Correct any personal information we have about you either in your settings, by contacting your AtoB account administrator, or by contacting us as provided below
Exercising your choices
To exercise your choices about your personal information, please contact our Customer Support team at
+1 (833)-947-2862. We will need to verify your relationship to the AtoB account (for example, if you’re an administrator of an AtoB account) and verify your identity. Verification will require that you verify your email and phone number and provide a copy of a government issued ID to us. We may take additional steps to verify that you are authorized to make the request. If you are an end user of AtoB’s services and not a direct customer of AtoB (for example, your company uses AtoB and you’re an employee or authorized representative of that company), you should direct requests relating to your personal information to the administrator of your company’s AtoB account. We will not discriminate against you for exercising any of your rights.
Sale of personal information (“Do Not Sell My Personal Information”)
We do not sell your personal information.
7. Changes to this privacy policy
We may make minor updates to this Privacy Policy, and we encourage you to visit this site from time to time to be aware of and review any updates. We will notify you of material changes, changes that limit any of the rights you have related to the manner in which we process your personal information under this Privacy Policy, or that we are required to disclose by law, via a prominent notice on our website, login screen, your mobile app, or via email at least 30 days prior to the changes taking effect. We also provide information about how our Privacy Policy has changed over time in the Previous Privacy Policies section or on our Github.
8. Contacting us
If you have concerns, questions, or would just like to better understand our privacy practices at AtoB, please send an email to
support@atob.us. If you prefer to contact us by mail, please write to CElegans Labs, Inc, Four Embarcadero Center, Suite #1400, 94111.
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