Our commitment to compliance

Like many other companies in our industry, Rippling maintains a separate insurance subsidiary that’s fully licensed to sell insurance internationally. That subsidiary is called Rippling Insurance Services Inc (formerly known as Waveling Insurance Services Inc).

Every member of our team who sells insurance is also properly licensed — their licensing information is available here and it’s updated daily. While selling insurance is a small part of Rippling’s overall business, we strictly maintain the integrity of licensed insurance activities by separating them from the rest of the business. Our business structure — a fully licensed insurance agency subsidiary of a parent company that has non-insurance operations — is considered a best practice in our industry.

Among other things, our business structure makes it easier to ensure the integrity of licensed activities and to make sure that individuals transacting insurance are licensed personnel. To that end, Rippling Insurance Services has its own management team who report to Rippling's Insurance and Regulatory Committee. In the United States, Rippling Insurance Services Inc and its president are fully licensed in all 50 US states and the District of Columbia (DC), although we only broker insurance products in 34 US states. That means our insurance entity has been licensed by each and every state insurance regulatory agency in the USA.

Rippling PEO and EOR enables customers to provide their domestic and global workforce with access to better, more affordable benefits and comprehensive HR services. Rippling PEO (legally known as Rippling PEO 1 Inc) is a wholly-owned subsidiary and maintains all required licences and surety bonding to support and ensure the reliability of its PEO operations. Rippling EOR refers to a collection of wholly-owned subsidiaries and partners, who maintain required licences and financial backing to act as the legal employer for global teams.

While the rules governing PEOs and EORs are unique and complex, both Rippling PEO and Rippling EOR stay ahead of the curve by participating in leading industry groups like the National Association of Professional Employer Organizations (NAPEO) and Global Employment Innovation Organization (GEIO), building in-house technology to automate compliance notices across the United States and working with trusted PEO and EOR leaders and advisers with decades of experience in the PEO and EOR industries.

Ensuring the integrity of our global payroll and payments platform is of paramount importance.

Rippling maintains a robust anti-money laundering program incorporating automated transaction monitoring and other controls to detect and report suspicious activity and meet relevant regulatory requirements. As part of this program, Rippling uses automated sanctions-screening to prevent terrorist financing through our platform and enhanced due-diligence procedures to meet Know Your Customer requirements.

Rippling is also committed to robust fraud detection and risk mitigation to ensure a safe and healthy financial ecosystem. Specifically, Rippling has developed a prevention, detection and investigation program to identify and control credit, fraud and operational risks and protect our customers, their employees and our partners from bad actors.

Rippling collaborates with trusted fintech and regulatory advisers to stay current with the legal landscape and industry best practices, and regularly test our systems with independent audits of our payroll and payments platform and controls.

As part of Rippling's ongoing efforts to enhance its payments program, Rippling affiliates are seeking money transmitter licensing, e-money licensing and other similar licensing in various countries where Rippling offers payroll and payment services. Once authorisation is obtained, these licensed entities will further enhance Rippling’s ability to deliver robust and compliant payroll and payment services across the globe. Rippling’s licensed affiliates maintain their own management teams, which report to Rippling's Insurance and Regulatory Committee. A current list of licences held by Rippling affiliates can be found here.

As a provider of world-class payroll services, ensuring the integrity of our payments platform is of paramount importance.

Rippling maintains a robust anti-money laundering program incorporating automated transaction monitoring and other controls to detect and report suspicious activity and meet relevant regulatory requirements. As part of this program, Rippling uses automated sanctions-screening to prevent terrorist financing through our platform and enhanced due-diligence procedures to meet Know Your Customer requirements.

Rippling is also committed to robust fraud detection and risk mitigation to ensure a safe and healthy financial ecosystem. Specifically, Rippling has developed a prevention, detection and investigation program to identify and control credit, fraud and operational risks and protect our customers, their employees and our partners from bad actors.

Rippling collaborates with trusted fintech and regulatory advisers to stay current with the legal landscape and industry best practices, and regularly tests our systems with independent audits of our payroll platform and controls.

As part of Rippling's on-going efforts to enhance its payroll program, Rippling is seeking money transmitter licensing, where applicable, for its wholly-owned subsidiary Rippling Payments Inc, with plans to provide its payroll services through the Rippling Payments entity in the future. Rippling Payments has its own management team who report to Rippling's Insurance and Regulatory Committee.

Policy Statement

Rippling is committed to providing an accessible and inclusive environment in which everyone has equal access to our products and services.

Scope

This policy applies to all Rippling employees who work at or support Rippling Canada Services, Inc in Ontario.

Training

Rippling provides training to those applicable under AODA. This training includes how to communicate with people with disabilities in ways that take into account their disabilities.

Feedback Process

Everyone has a right to provide suggestions or file a complaint to ensure we provide products and services to people with disabilities in an equal manner. If you receive any suggestions, they should be immediately forwarded to support@rippling.com

Notice of Temporary Disruptions

If there is a temporary disruption of products or services that persons with disabilities in Ontario usually access or use, we will provide notice of the disruption by directly notifying applicable clients.

Availability of Documentation

Rippling will provide this policy and the information contained in this policy in a format that takes the person’s disability into consideration as requested.

Multi-Year Accessibility Plan

Rippling is committed to establishing an inclusive and barrier-free environment that meets the requirements of the AODA. Rippling will continue to monitor opportunities to improve accessibility through regular audits, feedback and third-party partnerships as applicable.