Yes I also agree ; you scratch build , you build a kit , and you assemble an ARF .

Now , for the grey area ;

Say someone buys an ARF and proceeds to strip off all the covering , bolster all the built in weak areas , throw away all the junk supplied hardware and use DuBro or Sullivan instead , and recover it in their own design of color scheme . That can come pretty close to qualifying to earning the "built" rather than "assembled" designation , but for the 99.9 % of ARFs , assembled will have to do