Is Ramp safe with your data?

Ramp

42/100

Weak disclosure · high confidence

Ramp earns a D (42/100) because it leaves much about its data practices unstated.

Dealbreaker flag

D1.4: royalty-free, fully-paid, irrevocable, perpetual, non-exclusive, worldwide, assignable and otherwise transferrable license

#142

of 211 apps ranked

score · Finance avg 37

vs category average

Grade scaleA · 70–100B · 60–69C · 48–59D · 35–47F · 0–34

Ramp discloses comprehensive privacy rights and data-sharing recipients, but lacks training-data controls, provides vague retention periods, and grants perpetual sublicensable feedback rights.

What Ramp's privacy policy and terms of service say about your data

D1.4 adverse - perpetual sublicensable licence

Feedback receives "royalty-free, fully-paid, irrevocable, perpetual, non-exclusive, worldwide, assignable and otherwise transferrable license...with unrestricted and unlimited right to grant sublicenses.

D2.1-D2.4 full rights - concrete

Access, deletion, correction named with concrete mechanisms; portability is "electronic copy.

D3.1 ladder=0.2 - vague "as long as necessary

"as long as we continue to have a business or operational purpose" , no numeric period stated.

D4.1 full - named recipient categories

Affiliates, Service Providers, Business Customers, Financial Institution Partners, Credit Reporting Agencies, Vendors, Analytics Providers.

What the policy is silent or vague on

Not stated: keeping user inputs out of model training
Not stated: a way to opt out of training
Not stated: whether training use differs by plan
Not stated: your ownership of generated outputs

Ramp privacy rating

Training-data use0 of 4 disclosed

Keeps user inputs out of model training, or makes training opt-inSilent

Names a way to opt out of or into trainingSilent

Says whether training use differs by plan or tierSilent

Lets the user keep ownership of generated outputsAdverse

Data-subject rights3 of 5 disclosed

Grants a right to access your dataDisclosed

Grants a right to delete your dataDisclosed

Offers data portability in a usable formatPartial

Grants a right to correct your dataDisclosed

Grants a way to object to or opt out of processingPartial

Retention and deletion0 of 4 disclosed

States a retention period for your dataPartial

States a deletion timeline after closure or requestSilent

Sets a shorter retention for AI conversation logsSilent

Commits to collecting only the data it needsSilent

Third-party sharing1 of 4 disclosed

Lists the categories of third parties it shares withDisclosed

References a sub-processor list or data processing agreementPartial

Does not sell or share data for advertising, or offers opt-outPartial

Names a safeguard for international data transfersNot applicable

States a standard for government and law-enforcement accessPartial

Transparency3 of 4 disclosed

Discloses that you are interacting with AISilent

Marks AI-generated or synthetic outputNot applicable

Enumerates the categories of data it collectsDisclosed

Maps processing purposes to legal basesDisclosed

Is versioned and dated, with change noticeDisclosed

Sensitive data and children0 of 3 disclosed

Discloses automated decisions and a human-review pathSilent

Limits the use of special-category dataPartial

Governs biometric data specificallyNot applicable

States protections for children's dataPartial

Security and accountability0 of 3 disclosed

Describes its security safeguardsPartial

Commits to breach notificationSilent

Names a certification or a privacy contactPartial

DisclosedPartialSilentAdverseNot applicable

Details

Category: Finance
Modalities: text
Processes biometrics: No
Policy last updated: 2026-05-20
Region scored: Global / US-default
Last assessed: 2026-07-08

Documents examined

Other finance apps

Each grade reflects our analysis of what an app states in its public privacy policy and terms as of the assessment date. It measures the transparency of those documents, not the company's actual data practices, security, or compliance. Grades are our opinion, offered for general information. Full disclaimer.