Clear program disclosures

ARU Intelligence Inc., ATM Division provides ATM placement evaluation and coordination. ARU Intelligence Inc. is not a bank, credit union or lender and does not offer deposit or lending services to the public through this website.

Zero-cost ATM placement means no ATM equipment purchase is required from the host for an approved placement. It does not mean the host automatically owns the ATM. Site-specific responsibilities, service terms, connectivity, electrical work, permits, construction and any other applicable costs are addressed during review and in the written agreement.

The public payout calculator uses $1.00 per completed qualifying ATM withdrawal. Transaction volume is illustrative and actual results vary by location. Calculator outputs are not offers, projections or guarantees of earnings.

Submitting an application does not create a contract or guarantee approval, placement, transaction volume, compensation or installation timing. Final terms are governed by the written placement agreement.

Unless a separate written agreement expressly provides otherwise, a host business does not own the ATM merely because the ATM is installed at its location. The equipment is owned or controlled by the applicable ATM program operator.

Cash loaded into the ATM is owned or controlled by the appropriate ATM operator or cash provider under the applicable operating arrangement. A host business should not assume it owns the ATM cash unless its written agreement specifically establishes that responsibility.

Depending on the market and location, ARU may use qualified local providers, independent service providers, ATM technicians, processors, cash providers or other operational partners. These providers are not automatically employees of ARU Intelligence Inc.

Applicable providers are expected to maintain and comply with the licensing, insurance, business registration, permitting, tax, processor, network, accessibility, security and other requirements that apply to their work. Requirements vary by role, jurisdiction and operating model, and this website does not represent that one identical license or insurance package applies to every provider everywhere.

ATM placement and operation can involve federal, state, local, card-network, processor, accessibility, transaction-security, consumer-disclosure, business-registration, tax and other requirements. The requirements that apply depend on the equipment, operating model, provider role and jurisdiction.

ARU's operating approach is to identify the parties responsible for each function and to use written agreements and qualified providers appropriate to the location. Nothing on this page is legal, tax or regulatory advice for a specific business or provider.

Information submitted through this site, including business details, contact information and location data, is collected to evaluate, communicate about and coordinate a potential or active ATM placement. Relevant information may be shared with qualified providers or operational partners involved in evaluating or servicing the opportunity.

ARU does not need cardholder PINs or full payment-card numbers through the public placement forms on this website. Do not submit sensitive cardholder authentication data through these forms.

This website is provided for informational and lead-generation purposes. Content may change without notice and does not constitute legal, financial, tax or accounting advice. The controlling terms of any ATM placement are those contained in the applicable executed written agreement.

ARU Intelligence Inc., ATM Division may change, suspend or decline a placement opportunity based on location economics, service coverage, compliance considerations, contractual restrictions or other legitimate business factors.