Please read this Policy carefully to understand our policies and practices regarding your information. By continuing to interact with our Services, you are consenting to the practices described in this Policy. This Policy may change from time to time (see Changes to this Policy). Your continued use of this Website or our other Services after we make changes is deemed acceptance of those changes, so please check the Policy periodically for updates.
1. Information we collect about you and how we collect it
Information that we collect from or about you
We collect several types of information that may identify or be reasonably associated with you (“personal information”) when you use our Services, including:
• Identification information, such as your name, email address, zip code, phone number, signature, and authentication credentials (for example, information you use to log in to your Kick account), including Internet Protocol (“IP”) address, full mailing address; date of birth; government-issued identification, including Social Security number, passport, or driver’s license; and photograph if you choose to share such information in order to open a Kick account. • Financial information, such as bank account and payment card numbers you add to your Kick account, as well as your Kick card number if you have one. In order to provide you with our Services, we will also need to collect information from you about the intended recipient of the payment you request us to make. We will therefore ask you to provide contact details of your intended recipient. • Credit eligibility and information for identity verification, such as, where lawful and as applicable, your government-issued identification number, information about you for credit investigations, credit eligibility purposes, identity or account verification processes, fraud detection mechanisms, debt collection procedures, or as may otherwise be required or permitted by applicable law. This includes, without limitation and where lawful, the receipt and exchange of account or credit-related information. • Transaction information, when you use our Services to make, accept, or request payments. This information may include when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, and the devices and payment methods used to complete the transactions. • Other information, including your photograph, if you choose to upload a picture to the Services; survey responses, if you choose to provide them; and other information that you may voluntarily provide in connection with participation in our contests, or other prospective marketing forms or devices; suggestions for improvements or referrals that you may submit; or any other actions you perform on the Services.Information about your internet connection, the equipment you use to access our Website and other Services, and usage details, such as IP addresses, device-specific identifiers, and information collected through cookies, web beacons, and other tracking technologies.
How we collect your information
We collect this information: • Directly from you when you provide it to us, such as by filling in forms on our Website, creating a Kick account, opting into rewards programs administered by us or our business partners, or by otherwise interacting with our Services. • Automatically as you navigate through the Website and use our other Services. The technologies we use for this automatic data collection may include:
Web Beacons. Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).From our group companies, affiliates, and business partners, such as our banking partners and payment processors. From third parties and publicly available sources, including from third-party identity verification services, and, to the extent permitted by law and applicable, from credit reporting agencies, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.
2. How we use your information
We may use information about you for the following reasons:
3. How we share your information
We may share aggregated and anonymized information that does not specifically identify you or any individual user of our Services without restriction. We may share your personal information with the following categories of service providers and third parties:
• With other users of our Services with whom you interact. For example, we may share information with the person(s) with whom you transact when you make or accept a payment or money transfer using our Services. This helps to ensure that users of our Services know who has sent them money or payment requests. • With our affiliates and group companies. For example, we may share your information internally to understand how you engage with Kick company products to help make our Services better for you and for everyone, and to help us build Services tailored to your preferences. We may additionally share your information with our business partner financial institutions and payment processors as necessary to effectuate transactions that you have requested or as otherwise provided in Section 3 of this Policy. • With third parties related to any cash-back reward or other incentive program that you have opted into voluntarily in connection with our Services. • With our service providers who help us provide, maintain, and improve our Services (e.g., vendors who help us with fraud prevention, identity verification, and fee collection services), as well as financial institutions, payment networks, payment card associations, credit bureaus, carrying brokers, and other entities in connection with your payment, money transfer process, investing activity, or otherwise to help us provide the Services; • With service providers that help us run our advertising campaigns, contests, special offers, or other events or activities. • As is reasonably necessary, determined at our discretion (i) to comply with any applicable law, regulation, legal process or governmental request (e.g., from creditors, tax authorities, law enforcement agencies, in response to a garnishment, levy, or lien notice, etc.); (ii) to establish, exercise or defend our legal rights; (iii) to enforce or comply with other applicable agreements or policies; (iv) to protect our or our customers’ rights or property, or the security or integrity of our Services; (v) for an investigation of suspected or actual illegal activity; or (vi) to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities.
4. Other important information
To ensure appropriate levels of security Kick applies commercially reasonable technical, administrative and organizational security measures to prevent against accidental or unlawful destruction, loss, alteration, and unauthorized disclosure or access to its systems and environment. Our service is built on Amazon Web Services (AWS) and makes use of 3rd party security services designed to monitor and protect against automated scanners, bots, and targeted attacks.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain of our Services, you are responsible for keeping the password confidential. We ask you not to share your password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
Use by minors
Our Services are not intended for children under 13 years of age. No one under age 13 may provide any personal information to us through our Services, including on our Website. If you are under the age of 13, you may not have a Kick Account or use our Services. We do not knowingly process any information from, or direct any of our products or services to, children under the age of 13. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe that we might have any information from or about a child under 13, please contact us at firstname.lastname@example.org.
5. Your choices about your information
Tracking technologies and advertising
Deletion or closure of a Kick account
Closure or deletion of your Kick account will mean that you permanently lose access to the personal information and data associated with the Kick account. Certain personal information or de-identified information associated with your Kick account may nonetheless remain on systems owned or maintained by Kick where required to comply with the law, our contractual obligations, or carrying out legitimate business functions. To comply with legal and regulatory obligations, we retain certain personal information associated with rejected applications for Kick accounts.
Exercising your choices
To exercise your choices about your personal information, please contact our Customer Experience team at email@example.com. We will need to verify your relationship to the Kick account (for example, if you’re an administrator of a Kick account) and verify your identity. If you are an end user of Kick's services and not a direct customer of Kick (for example, your company uses Kick and you are an employee or authorized representative of that company), you should direct requests relating to your personal information to the administrator of your company’s Kick account. We will not discriminate against you for exercising any of your rights.
6. Changes to this Policy
7. Contact information
1 - The average Kick user saves $9,922 per year based on Federal and State tax deductions as well as on cash back for purchases made on a Kick Debit Card.
2 - The 12 hour time savings estimate is based on the 2021 IRS estimate of time spent for book keeping. Actual hours vary based on the type and complexity of your work, which we typically hear to be 40+ hours per year.
3 - The Kick Visa® Debit Card is issued by Blue Ridge Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
4 - Kick is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank N.A; Member FDIC.