Privacy Policy

Last Updated: March 16, 2026

Introduction and Scope

Arvest Partner ("we," "us," "our") operates as an independent online information resource dedicated to providing educational content about financial services. We are committed to protecting your privacy and maintaining transparency about how we handle information collected through our website at arvestpartner.com (the "Site"). This comprehensive Privacy Policy explains in detail our practices regarding the collection, use, disclosure, and protection of your information when you visit or interact with our Site. Please read this Privacy Policy carefully and thoroughly before using our Site or providing any information to us. By accessing, browsing, or otherwise using our Site in any manner, you acknowledge that you have read, understood, and expressly agree to be bound by all terms and conditions contained in this Privacy Policy. This policy applies exclusively to information collected through our Site and does not apply to information you may provide directly to Arvest Bank, its affiliates, or any other third-party websites or services that may be linked to or referenced on our Site. We explicitly state and emphasize that we are an independent resource operating entirely separately from Arvest Bank, and we maintain no affiliation, endorsement relationship, sponsorship arrangement, or formal association with Arvest Bank or any of its subsidiaries, divisions, or related entities. Any references to Arvest Bank on this Site are for informational purposes only and are not intended to suggest any formal relationship or endorsement.

Information We Collect: Categories and Sources

We collect limited information from visitors to our Site, with our data collection practices carefully designed to respect user privacy while enabling us to understand how our content serves visitor needs and to improve the overall user experience. The information we collect falls into two primary categories: information you voluntarily provide to us and information automatically collected through technology when you interact with our Site. Regarding information you voluntarily provide, we may collect personal information that you choose to disclose when you contact us directly via email at addresses published on our Site, submit inquiries through any contact forms we may make available, request information or resources from us, subscribe to newsletters or email updates should we offer such services in the future, or participate voluntarily in surveys, questionnaires, or promotions we may conduct to better understand our audience and improve our content offerings. The personal information you may voluntarily provide in these contexts typically includes your name and email address, and may also include any other information you choose to include in your communications with us, such as telephone numbers or mailing addresses. This information is provided entirely at your discretion and under your own volition, and you are under no obligation whatsoever to provide such information to access or use our Site. Regarding automatically collected information, when you visit our Site, our servers and third-party analytics providers may automatically collect certain technical information about your visit and device. This automatically collected information includes log data such as your Internet Protocol (IP) address, which is a numerical identifier assigned to your device by your Internet service provider; browser type and version information; operating system and platform details; the date and time of your visit; the specific pages you view and the order in which you view them; the amount of time you spend on each page; referring website addresses that directed you to our Site; exit pages and links you click when leaving our Site; and other similar diagnostic information. We also collect device information including your device type, screen resolution, language preferences, and unique device identifiers that help us distinguish between visitors. Additionally, we collect usage data showing how you interact with our Site, including your navigation patterns, clicks, mouse movements, scrolling behavior, and interactions with site features. This automatic collection serves legitimate analytical purposes, helping us understand what content provides the most value to our visitors, identify technical issues that require attention, optimize site performance and user experience, and continuously improve our informational offerings based on actual user behavior patterns.

Cookies, Tracking Technologies, and Your Choices

Our Site employs cookies and similar tracking technologies to enhance your browsing experience, remember your preferences, and gather valuable information about how visitors use our Site. Cookies are small text files consisting of letters and numbers that are stored on your browser or device when you visit websites. They are widely used across the internet to make websites work efficiently and provide information to website owners. We use several types of cookies on our Site for different purposes. Essential cookies are strictly necessary for the core functionality of our Site, enabling basic features such as page navigation, security protocols, and access to secure areas of the website. Without these essential cookies, our Site cannot function properly, and they are automatically placed on your device when you access our Site. Analytics cookies are used to understand how visitors interact with our Site, helping us improve content and user experience based on real usage data. We use analytics services, including but not limited to Google Analytics, which sets cookies that collect information about your use of our Site, including your IP address, and generates reports about website activity for website operators. Google Analytics uses this information for the purpose of evaluating your use of our Site, compiling reports on website activity, and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You can learn more about Google's privacy practices and opt-out of Google Analytics by visiting https://tools.google.com/dlpage/gaoptout. Preference cookies remember your settings and preferences, such as any display options you may select during your visit, to enhance your experience and make your future visits more convenient. We may also use session cookies which are temporary and expire when you close your browser, and persistent cookies which remain on your device for a set period or until you manually delete them. Third-party cookies may be set by service providers we engage to help us operate our Site and understand our audience. These third-party providers have their own privacy policies addressing how they use information collected through their cookies, and we encourage you to review those policies. Most web browsers provide you with control over cookies through their settings. You can typically configure your browser to block all cookies, delete existing cookies, receive notifications when cookies are set, or set preferences for specific websites. The method for controlling cookies varies by browser, and you can consult your browser's help documentation for specific instructions. For Google Chrome, you can visit Settings → Privacy and Security → Cookies and other site data. For Mozilla Firefox, visit Options → Privacy & Security → Cookies and Site Data. For Safari, visit Preferences → Privacy → Cookies and website data. For Microsoft Edge, visit Settings → Site permissions → Cookies and site data. For Internet Explorer, visit Internet Options → Privacy → Advanced. You may also use browser add-ons or third-party tools to manage cookies. Please be aware that blocking or deleting certain cookies may affect your ability to use some features of our Site, and while essential functions will remain available, your overall experience may be diminished. By continuing to use our Site without adjusting your browser settings to block cookies, you consent to our use of cookies as described in this Privacy Policy.

Purposes of Information Collection and Use

We collect and use information for specific, legitimate business purposes related to operating and improving our Site as an educational resource. These purposes include providing, operating, and maintaining our Site to ensure reliable, uninterrupted access to our informational content for all visitors. We use analytics to improve and personalize user experience based on how visitors actually interact with our pages, identifying which topics generate the most interest and which content formats prove most effective for communicating information. Understanding and analyzing usage patterns helps us identify which topics our visitors find most valuable, allowing us to allocate our content creation resources efficiently and develop more helpful, targeted information that serves our audience's needs. If you contact us directly, we use your information to communicate with you, including responding to your inquiries, answering questions you may have about our content, and providing any information or resources you specifically request from us. We may use your contact information to send administrative communications, such as updates to our Privacy Policy or Terms of Service when material changes occur, or to respond to your specific requests. We may use automatically collected information to monitor and analyze trends, usage, and activities in connection with our Site, helping us detect and prevent technical issues, security threats, fraudulent activity, or other harmful behaviors. We may aggregate or de-identify information collected through our Site so that it no longer identifies you individually, and use such aggregated information for any legitimate business purpose including research, analysis, and improving our services. We do not use information collected through our Site for automated decision-making that produces legal or similarly significant effects concerning you. We do not use your information for any purposes beyond those explicitly described in this Privacy Policy without first obtaining your consent.

Information Sharing and Disclosure Practices

We maintain strict policies and practices regarding the sharing and disclosure of your information, prioritizing your privacy above all other considerations. We do not sell, trade, rent, license, or otherwise transfer your personal information to third parties for any purpose whatsoever, including marketing, advertising, or commercial exploitation. This is a fundamental principle of our operations, and we have structured our business practices to ensure compliance with this commitment. We may share your information with trusted third-party service providers who assist us in operating our Site and conducting our business, subject to strict contractual limitations. These service providers include web hosting companies that store our Site data on secure servers, analytics providers that help us understand how visitors use our Site, email service providers if we communicate with users who contact us, and technical support providers who help maintain and improve our Site infrastructure. All such third-party service providers are carefully vetted and contractually obligated to keep your information confidential, use it only for the specific services they perform for us, implement appropriate security measures, and comply with all applicable privacy laws and regulations. We may disclose your information if required to do so by law, regulation, legal process, or governmental request, including but not limited to responding to court orders, subpoenas, warrants, or other valid legal process. We reserve the right to disclose information when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or security concerns, or respond to a government request. In the unlikely event of a merger, acquisition, reorganization, asset sale, or similar transaction involving our business, your information may be transferred as part of that transaction, provided that the acquiring entity agrees to be bound by the terms of this Privacy Policy or provides you with notice and an opportunity to opt out of any new privacy practices. We will notify you via prominent notice on our Site before your information becomes subject to a materially different privacy policy following any such transaction. We do not share your information with any third parties for their own direct marketing purposes, and we have no plans to do so in the future.

Data Security Measures and Limitations

We take the security of your information seriously and implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, accidental loss, destruction, or damage. Our security measures include secure hosting environments provided by reputable hosting providers who maintain industry-standard physical, electronic, and procedural safeguards. We conduct regular security assessments of our Site and systems to identify and address potential vulnerabilities. Access to any personal information we may hold is strictly limited to authorized personnel who have a legitimate business need to access such information, and who are subject to confidentiality obligations. We use encryption technologies to protect data transmitted between your device and our servers, including Secure Socket Layer (SSL) or Transport Layer Security (TLS) protocols that create a secure encrypted connection. Despite our best efforts and comprehensive security measures, no method of transmission over the Internet or method of electronic storage is 100 percent secure or error-free. We cannot guarantee absolute security of your information, and we expressly disclaim any warranty or representation that our security measures will prevent all security breaches, unauthorized access, or data loss. You acknowledge and accept this inherent risk when using our Site. You play an important role in protecting your own information by taking appropriate precautions when using the Internet. We recommend that you use secure, private internet connections rather than public Wi-Fi networks when accessing any website, maintain updated security software on your devices including antivirus and firewall protection, use strong unique passwords for all online accounts, and avoid sharing sensitive personal information through unencrypted channels. If you have reason to believe that your interaction with us is no longer secure, please notify us immediately using the contact information provided at the end of this Privacy Policy.

Your Privacy Rights and Choices

Depending on your jurisdiction of residence, you may have certain legal rights regarding your personal information. We respect these rights and have established procedures to facilitate their exercise. You may request access to the personal information we hold about you by contacting us at the email address provided below, and we will provide such information in a portable, readily usable format within a reasonable time, typically within 30 days, subject to verification of your identity and any applicable legal exceptions. If you believe any personal information we hold about you is inaccurate, incomplete, or outdated, you may request that we correct or update such information. You may request deletion of personal information we hold about you, subject to certain exceptions such as when we need to retain information to comply with legal obligations, resolve disputes, enforce our agreements, or for other legitimate business purposes permitted by applicable law. You may opt out of receiving any promotional or marketing communications from us by following the unsubscribe instructions contained in those communications, though we currently do not engage in such communications. You may object to our processing of your personal information based on legitimate interests, or request restriction of processing in certain circumstances. You may withdraw any consent you have previously provided for specific processing activities, without affecting the lawfulness of processing based on consent before its withdrawal. Our Site does not respond to Do Not Track signals at this time, as there is no consistent industry standard for responding to such signals and no universally accepted approach has been established. Residents of California may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information we collect, use, disclose, and sell about you (we do not sell personal information), the right to request deletion of personal information subject to certain exceptions, the right to correct inaccurate personal information, and the right to non-discrimination for exercising your privacy rights. To exercise any applicable privacy rights, please contact us using the information provided below. We may need to verify your identity before processing your request, which may require matching information you provide with information we already maintain, or obtaining a declaration under penalty of perjury. We will respond to verified requests within the time frame required by applicable law, typically 45 days with possible extension for complex requests.

Third-Party Links and External Websites

Our Site contains links to third-party websites and external resources that may be of interest to our visitors, including the official Arvest Bank website at www.arvest.com, government financial education resources, consumer information websites, and other financial information sources. These links are provided solely for your convenience and reference, and do not constitute any form of endorsement, sponsorship, or recommendation by us of the linked websites or their content. We have no control over, and assume no responsibility whatsoever for, the content, privacy policies, data collection practices, terms of use, security practices, or operations of any third-party websites. The inclusion of any link does not imply any association between us and the operators of such websites. When you click on a link to a third-party website, you will leave our Site and be subject to the terms, conditions, and privacy policies of that external website, which may differ significantly from ours. We encourage you to review the privacy policies, terms of use, and other legal notices of any third-party websites you visit before providing any information to them or relying on their content. We do not control, endorse, or make any representations about third-party websites, their products or services, or the accuracy or reliability of any information they contain. Your use of any third-party website is entirely at your own risk, and we disclaim all liability arising from your use of or reliance on any such websites. This Privacy Policy applies exclusively to information collected through our Site and does not extend to any third-party websites or services, regardless of whether they are linked to or from our Site.

Children's Privacy and Protection

Protecting children's privacy online is critically important, and our Site is not directed to or intended for individuals under the age of 13. We do not knowingly collect, use, or disclose personal information from children under 13 without parental consent. If you are under 13 years of age, please do not use our Site or provide any information to us through our Site, through email, or through any other means. If we become aware that we have inadvertently collected personal information from a child under 13 without verification of parental consent, we will take immediate steps to delete such information from our records and terminate any accounts associated with such information. If you are a parent or guardian and believe that your child under 13 has provided personal information to us without your consent, please contact us immediately at the email address provided below, providing sufficient detail to enable us to identify and locate the information. We will investigate promptly and take appropriate action, including deleting the information from our systems. We encourage parents and guardians to monitor their children's Internet use, discuss online safety with their children, and instruct their children never to provide personal information on any website without parental permission. For residents of the European Economic Area, we also comply with the enhanced protections for children's data under the General Data Protection Regulation, including age verification requirements and parental consent obligations where applicable.

International Visitors and Data Transfers

Our Site is hosted on servers located in the United States and is intended for use by visitors from the United States. If you access our Site from outside the United States, please be aware that your information, including any personal information you may voluntarily provide, will be transferred to, stored on, and processed in the United States where our servers and central databases are located. The data protection laws in the United States may differ from, and may not be as comprehensive or protective as, the data protection laws in your country of residence, particularly if you reside in the European Economic Area, United Kingdom, Switzerland, or other jurisdictions with comprehensive privacy legislation. By using our Site and providing any information to us, you expressly consent to the transfer of your information to the United States and the application of United States federal and state law to the processing, storage, and use of that information. If you are located in the European Economic Area, the United Kingdom, or Switzerland, we process your information in reliance on your consent, which you provide by using our Site after reviewing this Privacy Policy, and for the performance of any contract with you. We endeavor to apply appropriate safeguards to protect your information regardless of where it is processed, including implementing standard contractual clauses approved by the European Commission when transferring data to third-party service providers. We do not represent or warrant that our Site, or any part thereof, is appropriate or available for use in any particular jurisdiction, and accessing our Site from territories where its contents are illegal or penalized is prohibited.

Changes and Updates to This Privacy Policy

We reserve the right to modify, update, or otherwise change this Privacy Policy at any time and from time to time in response to changing legal, technical, regulatory, or business developments, or to reflect changes in our information practices. When we update our Privacy Policy, we will take appropriate measures to inform you consistent with the significance of the changes we make. We will notify you of any material changes to this Privacy Policy by posting the revised version on this page with an updated "Last Updated" date at the top of the policy. For material changes that significantly affect your rights or our practices, we may provide additional notice through our Site or through other appropriate communication channels. We encourage you to review this Privacy Policy periodically, at least every few months, to stay informed about how we are protecting the information we collect and your rights regarding that information. Your continued use of our Site after any changes to this Privacy Policy are posted constitutes your acceptance of the revised terms and policies. If you do not agree with any changes to this Privacy Policy, you must discontinue your use of our Site immediately. We will not apply material changes retroactively without providing notice and, where required by applicable law, obtaining your consent. The date at the top of this Privacy Policy indicates when it was last revised.

Legal Basis for Processing (GDPR and Similar Laws)

For visitors from the European Economic Area, the United Kingdom, Switzerland, and other jurisdictions with comprehensive privacy laws, we process personal information based on the following legal bases as defined under applicable law. We process information based on your consent, which you provide by affirmatively agreeing to this Privacy Policy and by using our Site with notice of our practices. You have the right to withdraw consent at any time, though withdrawal does not affect the lawfulness of processing based on consent before its withdrawal. We process information as necessary for the performance of a contract with you, if applicable. We process information to comply with legal obligations to which we are subject, including tax, accounting, and regulatory requirements. We process information based on our legitimate interests, provided those interests are not overridden by your fundamental rights and freedoms. Our legitimate interests include operating and improving our Site as an educational resource, understanding our audience and their interests to create better content, protecting our legal rights and the security of our Site, communicating with users who contact us, and conducting ordinary business operations. When we rely on legitimate interests as a legal basis, we have conducted balancing tests to ensure that your rights and interests do not outweigh our legitimate interests. You have the right to object to processing based on legitimate interests on grounds relating to your particular situation. Where we process information based on multiple legal grounds, we will identify the specific ground applicable to each processing activity upon request.

Retention of Your Information

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, as described in this Privacy Policy, and to comply with applicable legal requirements. The specific retention periods depend on the nature of the information and the purposes for which it is processed. For information you voluntarily provide through contact forms or email communications, we retain such information for the duration necessary to respond to your inquiry and for a reasonable period thereafter to address any follow-up questions you may have, typically not exceeding 24 months unless a longer period is necessary to resolve specific issues. For automatically collected information such as analytics data, we retain aggregated information for longer periods to analyze trends and improve our Site, but we take steps to ensure such information does not identify individual users. We may retain certain information longer if required to do so by applicable law, regulation, or legal process, or if necessary to protect our rights, resolve disputes, enforce our agreements, or investigate potential violations. When information is no longer required for the purposes for which it was collected or to comply with legal obligations, we securely delete or anonymize it in accordance with our data retention and disposal procedures.

Contact Information and Inquiries

If you have any questions, concerns, requests, or complaints regarding this Privacy Policy, our privacy practices, or your information, please contact us using the following methods. By email at privacy@arvestpartner.com, which is monitored regularly and is the preferred method for privacy-related inquiries. We will acknowledge receipt of your inquiry promptly and provide a substantive response within a reasonable time, typically within 10 business days, and in no event longer than 30 days. For complex requests or during peak periods, we may need additional time and will notify you if this is the case. For account-specific issues, transaction problems, or urgent banking matters requiring immediate attention, please contact Arvest Bank directly at (866) 952-9523 rather than using our contact information, as we are an independent resource and cannot assist with bank account questions, login issues on official bank websites, transaction disputes, or other matters requiring access to bank systems or customer account information. We cannot provide customer service for Arvest Bank or access their systems on your behalf. If you are a California resident seeking to exercise your rights under the CCPA, please indicate "CCPA Request" in the subject line of your email to facilitate processing. If you are a resident of the European Economic Area and have an unresolved privacy concern that we have not addressed satisfactorily, you have the right to lodge a complaint with your local data protection supervisory authority. We value your privacy and are committed to resolving any concerns you may have.

Your Acceptance of These Terms

By accessing, browsing, or using our Site in any manner, you signify your affirmative acceptance of this Privacy Policy and all terms and conditions contained herein. If you do not agree with any provision of this Privacy Policy, or if you are not comfortable with any of our practices described herein, you must immediately discontinue any and all use of our Site. Your continued use of our Site following the posting of any changes to this Privacy Policy will constitute and be deemed your acceptance of those changes and the updated policy in its entirety. This Privacy Policy, together with our Terms of Service and any other legal notices published on our Site, constitutes the entire agreement between you and Arvest Partner regarding your use of our Site and supersedes all prior agreements and understandings, whether written or oral. If any provision of this Privacy Policy is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable and effective, or if not possible, severed from this Privacy Policy, and the remaining provisions shall continue in full force and effect.

Governing Law and Jurisdiction

This Privacy Policy and any disputes arising out of or related to it, or to our Site or our privacy practices, shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles, and to the extent applicable, the laws of the United States. Any legal action or proceeding arising under or relating to this Privacy Policy shall be brought exclusively in the federal or state courts located in Delaware, and you expressly consent to the personal jurisdiction and venue of such courts. You agree that any cause of action you may have arising out of or related to this Privacy Policy or our Site must commence within one year after the cause of action accrues; otherwise, such cause of action is permanently barred.