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Last Updated: 15 March, 2021

Developer Policy Statement

Inclusive Innovations Incorporated is committed to protecting your privacy. This Privacy Policy Statement (the “Privacy Statement”) illustrates the Inclusive Innovations Incorporated. (referred to as “Inclusive Innovations Inc.”, “we”, “our” or “us”) privacy practices.


This Developer Policy ("Policy") provides rules and guidelines that govern access to or use by our developers (“you” or “your”) of the Inclusive Innovations Inc. and its subsidiaries, API’s, websites (“Site”), dashboards, related tools, and other products or services (collectively, the "Service") provided by Inclusive Innovations Inc. and its subsidiaries, including Appruve Financial services (collectively “we”, “our”, and “us”). Any violation of this Policy may result in suspension or termination of your access to the Service and/or access to end-users’ personal and financial information ("End User Data").

By accessing and using the Service, you agree to comply with all the terms of this Policy. This Policy will apply each time you access or use the Service. If you are agreeing to the terms of this Policy on behalf of an organization or entity, you represent and warrant that you are so authorized to agree on behalf of that organization or entity. This Policy is important; please read it carefully.

We may update or change this Policy at any time at our discretion. If we make any changes to this Policy that we deem to be material, we will make a reasonable effort to inform you of such change. If you don’t agree with the change, you are free to reject it; unfortunately, that means you will no longer be able to use the Service.


To sign up for the Service, you must create an account ("Account") by registering on our Site and providing true, accurate, and complete information about yourself and your use of the Service. You agree not to misrepresent your identity or any information that you provide for your Account, and to keep your Account information up to date at all times. It is your responsibility to maintain access to your Account; you may never share your Account information, including your Appruve Technology Dashboard password, as well as your API authentication credentials, including your Client Identification Number (“Client ID”) and secret, with a third party or allow any other application or service to act like you.

If you become aware of any unauthorized use of your Account or any other breach of security, please immediately notify us via email to

Compliance with Applicable Law

When using the Service, you must abide by all applicable local, state, national, and international laws. You also confirm that you, your business, your employees, your service providers, and any others acting on your behalf adhere to all applicable laws, especially those on financial data and data protection, privacy, and data security.

Warranties and Representations

You warrant and represent that you are not a direct competitor of Appruve Technologies and using the Services in good faith and according to the standards set forth for its purpose.

Data Storage

Data Storage Any End User Data in your possession must be stored securely and per applicable laws.

Account Deactivation

Your account shall be deactivated following any agreement you may have with Appruve Technologies where the term of the agreement is expired or as reasonably necessary under any applicable law. Upon such a request, you may deactivate your account by following instructions provided on the site.

Even after your Account deactivation, and to the extent permitted under applicable law, we may still retain any information we collected about you for as long as necessary to fulfill the purposes outlined in our privacy policy/statement, or for a longer retention period is required or permitted under applicable law.

Prohibited Conduct

You agree not to assist or otherwise enable any third party to:

  • sell or rent End User Data to marketers or any other third party;

  • access or use the Service or End User Data for any unlawful, infringing, threatening, abusive, obscene, harassing, defamatory, deceptive, or fraudulent purpose;

  • collect and store end-users’ bank credentials and/or End User Data other than as required to access or use the Service, as authorized by the end-user, as permitted by Appruve, and as permitted under applicable law;

  • use, disclose, or otherwise process any “personal data” (as defined in Regulation (EU) 2016/679 (General Data Protection Regulation)) other than in strict compliance with applicable law;

Reporting Violations

If any person becomes aware of a violation of this Policy, we request that you immediately notify us via email to We may take any appropriate action including reporting any activity or conduct that we suspect violates the law to appropriate law enforcement officials, regulators, or other appropriate third parties in our sole discretion in respect to such violations.


The failure by you or Appruve to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

If any provision of this Policy is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Policy shall otherwise remain in full force and effect and enforceable.