Last updated: June 3, 2026
Penumbra, a brand operated by Arrowhead Advisory Group LLC ("we," "us," or "our"), operates penumbrahq.com. This policy describes how we collect, use, and protect your information.
When you submit a contact form or conversation request, we collect the information you provide: name, company, email, role, and any details included in your message. Form submissions are processed through Netlify Forms.
We use submitted information solely to evaluate your inquiry, schedule conversations, and manage potential business relationships. We do not sell, rent, or share your personal information with third parties for marketing purposes.
This website uses two third-party services that may set cookies and collect information about your visit. Both services are listed in our subprocessor table below.
Microsoft Clarity captures aggregate behavioral metrics (clicks, scrolls, time on page), heatmaps, and session replays. Session replays record cursor movement and interaction patterns. Sensitive form fields are automatically masked. Clarity sets the cookies _clck and _clsk; Microsoft sets the MUID cookie. Behavioral data is stored by Microsoft under Microsoft's Privacy Statement.
RB2B identifies business visitors to this site by matching the visitor's IP address against a database of professional records. When a match is found, the identification may include the visitor's name, work email, employer, job title, and LinkedIn profile. We use this information to time business outreach appropriately. RB2B operates only on visitors connecting from a United States business IP address; visitors from outside the United States, from residential or mobile networks, and visitors using tracking-prevention browsers are not identified. RB2B's privacy practices are documented at rb2b.com/privacy-policy.
The homepage fetches industry news headlines from api.rss2json.com (pymnts.com feed) for display purposes. No cookies or user identifiers are shared with that service.
We do not use cookies for targeted advertising or sell behavioral data to advertising networks.
The following third-party services may receive information about your visit:
If you are a California resident, you have the right under the California Consumer Privacy Act and the California Privacy Rights Act to direct us not to share your personal information for cross-context behavioral advertising or sale. RB2B's IP-based enrichment may be construed as a sale or share of personal information under California law. To exercise this right, email arrowheadadvisorygroupops@gmail.com with the subject "Do Not Sell or Share My Personal Information." We will honor the request within fifteen business days.
This website is operated from the United States and is directed to United States visitors. We do not knowingly collect or process personal information from visitors located in the European Economic Area, the United Kingdom, Switzerland, or other regions with comprehensive data-protection regimes. If you are a visitor from one of those regions and want your information removed, email arrowheadadvisorygroupops@gmail.com.
All data is transmitted over HTTPS with TLS encryption. We take reasonable measures to protect submitted information but cannot guarantee absolute security.
You may request access to, correction of, or deletion of any personal information we hold. Contact us through our contact page or direct inquiries to Arrowhead Advisory Group LLC.
Content on this website is provided for general informational purposes only. It does not constitute a binding offer to provide software services, investment advice, or professional advice of any kind. All platform access is subject to agreement execution, integration review, and applicable licensing terms.
Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any securities. Any such offer or solicitation will be made only by means of formal offering documents complying with applicable securities laws. Investment in Arrowhead Advisory Group LLC or its initiatives is available only to accredited investors as defined under applicable regulations.
Performance metrics including decision latency, false positive rates, and interchange savings represent measured performance under specific conditions and may vary based on transaction types, volumes, processor configurations, and merchant categories. Results are not guaranteed.
References to "patents pending" on this website refer to provisional patent applications filed with the United States Patent and Trademark Office. Provisional applications establish a priority date but do not constitute granted patents. There is no assurance that any provisional application will result in a granted patent.
Certain platform features, including USDC settlement, AI chargeback response drafting, PSP comparison, and multi-region deployment, are in beta and subject to change. Feature availability may vary by deployment tier and configuration. Contact Penumbra before building a production dependency on any beta capability.
Processor availability varies. Names shown represent integrations that are live or in development. Penumbra's architecture is designed to support routing across multiple processors; specific availability is confirmed at onboarding. Capabilities described reflect current and planned functionality and are subject to change.
This website may contain forward-looking statements regarding plans, objectives, and expected performance of Penumbra and Arrowhead Advisory Group LLC. These statements involve risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied.
All content, including text, graphics, logos, design elements, and the Pen.v1 canonical event schema, is the property of Arrowhead Advisory Group LLC unless otherwise noted. Penumbra is a brand of Arrowhead Advisory Group LLC.
All company names, product names, brand names, and trademarks referenced on this website are the property of their respective owners and are used solely for identification and informational purposes under the doctrine of nominative fair use.
References to Stripe (a registered trademark of Stripe, Inc.), Square (a registered trademark of Block, Inc.), Worldpay (a registered trademark of Worldpay, LLC, a subsidiary of FIS Global), NMI (a registered trademark of Network Merchants, LLC), Adyen (a registered trademark of Adyen N.V.), PayPal (a registered trademark of PayPal Holdings, Inc.), Dwolla (a registered trademark of Dwolla, Inc.), Circle (a registered trademark of Circle Internet Financial, LLC), TSYS (a registered trademark of Total System Services, LLC, a subsidiary of Global Payments Inc.), Fiserv (a registered trademark of Fiserv, Inc.), Visa (a registered trademark of Visa International Service Association), Mastercard (a registered trademark of Mastercard International Incorporated), Spreedly, Primer.io, Gr4vy, Finix, Authorize.net, and Paymentus appear on this website solely to describe technical processor integrations, payment rail connectivity, or industry context. These references do not imply any current formal business partnership, endorsement, or approval of Penumbra or Arrowhead Advisory Group LLC by any of the companies named above.
Penumbra and Arrowhead Advisory Group LLC are not currently affiliated with, employed by, endorsed by, sponsored by, or in a formal partnership with any of the companies named above unless a current, written agreement explicitly states otherwise.
0030 Payments and Echelon Institute are affiliated companies within the Arrowhead Advisory Group ecosystem. References to these companies reflect actual corporate relationships within the Arrowhead portfolio.
References to "patents pending" refer to provisional patent applications filed with the United States Patent and Trademark Office. Provisional applications establish a priority date but do not constitute granted patents. There is no assurance that any provisional application will result in a granted patent.
SOC 2 Type II controls are implemented. Audit engagement is pending; no third-party auditor has yet been formally engaged. The Penumbra token vault and payment processing infrastructure is architected to PCI DSS Level 1 controls. Formal QSA certification is pending. HIPAA-ready infrastructure reflects architectural preparation; individual deployments may require additional configuration.
Questions about these policies may be submitted through our contact page or directed to Arrowhead Advisory Group LLC, Pensacola, Florida.