PrivacyPolicy

This Privacy Policy explains how KwikBuck ("KwikBuck", "we", "us") handles personal information when you use kwikbuck.com, the KwikBuck web app and the KwikBuck iOS and Android apps (together, the "Services"). It applies to buyers, sellers, drivers, couriers, hosts, experts, Trusted Circle contacts and visitors.

It does not cover third-party sites or services you reach through KwikBuck, which have their own policies.

Information you give us

• Account details: name, email, mobile number, password (stored only as a secure hash), profile photo.
• Identity verification: government photo ID, driver's license, a selfie used to match your ID, and the result of those checks.
• Listings, messages, voice notes, reviews, offers, trip plans and support requests.
• Trusted Circle contacts you choose to add (name, phone, email, relationship).
• Payout setup details, collected and held by our payment partner — KwikBuck does not store full bank account or card numbers.

Information collected automatically

• Precise location (GPS) while you use location features — see Section 4.
• Device and usage data: device type, operating system, app version, IP address, pages and features used, crash logs.
• Transaction records: orders, payments, fees, refunds and withdrawals.
• Cookies and similar technologies — see our Cookies Policy.

Information from others

• Identity verification and fraud-prevention providers.
• Payment partners (payment status, last four digits, expiry, payout readiness).
• Sign-in providers (for example Google) if you choose them.
• Other members, for example a member who invites you or lists you as a Trusted Circle contact.

Some data we process is "sensitive" under U.S. state laws: precise geolocation, government ID numbers, account log-in with password, and biometric information used for a one-time selfie-to-ID match.

• We process sensitive data only to provide the feature you asked for, verify identity, prevent fraud, keep people safe and meet legal duties.
• Where state law requires consent (for example Texas, Virginia, Colorado, Connecticut), we ask for it before collection, and you can withdraw it at any time.
• We do not use sensitive data to infer characteristics about you, and we do not sell it.
• Biometric data: selfie face-match data is used only to confirm your ID belongs to you, is processed by our verification provider, and is destroyed when the purpose is met and no later than allowed by law (including the Illinois Biometric Information Privacy Act and Texas and Washington biometric laws). We never use it to build a facial recognition database.

Location is central to KwikBuck. We collect precise location only when you allow it in your device settings, and only for:

• Showing nearby listings, opportunities and services.
• Rides, deliveries and errands — matching, navigation, tracking and arrival confirmation.
• Travel journeys you start, and Safety Mode or SOS sessions you start — shared only with the people you choose, and only while the session is active.
• Fraud prevention and payment safety (for example confirming an in-person handover).

Your exact location is shown only to people taking part in the same activity (for example your driver while on a trip). Everyone else sees an approximate area. Compass/heading readings stay on your device. Background location is used only during an active ride, delivery, journey or safety session, and stops when it ends. You can turn location off at any time in your device settings; some features will then not work.

• Provide, operate and improve the Services, including matching buyers, sellers and providers.
• Process payments, kwikPay protection, refunds, fees and withdrawals.
• Verify identity and eligibility (for example to drive, deliver or sell).
• Safety: Trusted Circle alerts, SOS, incident handling and responding to reports.
• Detect and prevent fraud, abuse, security incidents and illegal activity.
• Send service messages (receipts, verification codes, safety alerts) by email, SMS, WhatsApp and push.
• Send marketing only where permitted; you can opt out at any time. Security emails never contain promotions.
• Comply with law, enforce our Terms and protect rights and safety.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising as those terms are defined under California and other state laws. We share it only as follows:

• With other members as needed for a transaction — for example your public profile, ratings, approximate area, and exact location only to participants during an active activity.
• With service providers under contract who process data for us: cloud hosting, payment processing, identity verification, maps and routing, messaging (SMS/WhatsApp/email), customer support and analytics.
• With your Trusted Circle when you start Safety Mode or SOS, or a contact you invited accepts.
• For legal reasons: to comply with valid legal process, respond to emergencies involving risk of death or serious injury, or protect rights, property and safety.
• In a business transfer such as a merger or acquisition, subject to this Policy.
• With your consent or at your direction.

• Account data: while your account is open, then deleted or de-identified unless we must keep it.
• Financial and transaction records: as long as required by tax, anti-money-laundering and payments rules (generally up to 7 years). These are never deleted early, even if you close your account.
• Live location: detailed points are reduced after each activity; we keep milestone points as a trip record for safety, disputes and fraud prevention.
• Identity verification results: for as long as your verified status is active and as required by law; biometric templates as described in Section 3.
• Messages and safety records: as long as needed for disputes, safety and legal claims.

Depending on where you live, you may have the right to:

• Know / access the personal information we hold about you and receive a portable copy.
• Correct inaccurate information.
• Delete your personal information, subject to legal exceptions (for example financial records).
• Opt out of sale, targeted advertising and profiling with legal effects (we do none of these).
• Limit or withdraw consent for sensitive personal information.
• Appeal our decision on your request.
• Non-discrimination: we will not deny service or charge different prices for exercising your rights.

How to make a request: use Profile → Verification → Your verification privacy in the app, or email info@kwikbuck.com with the subject "Privacy request". We will verify your identity using information already linked to your account and respond within 45 days (extendable once by 45 days where the law allows). You may use an authorized agent with your signed permission. To appeal a decision, reply to our response with "Appeal"; we respond within the time your state requires (generally 45–60 days). If we deny your appeal you may contact your state Attorney General.

We honor Global Privacy Control (GPC) browser signals as an opt-out where required.

California (CCPA/CPRA). In the last 12 months we collected these categories: identifiers; customer records; commercial information; biometric information (ID selfie match); internet/device activity; geolocation; audio (voice notes you send); professional information (work experience you add); sensitive personal information (precise geolocation, government ID, account log-in). Sources, purposes and recipients are listed in Sections 2, 5 and 6. We do not sell or share personal information and have no actual knowledge of selling or sharing data of anyone under 16. We use sensitive personal information only for purposes permitted by Cal. Code Regs. tit. 11 § 7027(m), so no "Limit" link is required. California "Shine the Light": we do not share personal information with third parties for their own direct marketing.

Texas (TDPSA), Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Florida (FDBR), Oregon (OCPA), Montana, Iowa, Delaware, New Hampshire, New Jersey, Nebraska, Tennessee, Minnesota, Maryland, Indiana, Kentucky and Rhode Island. Residents have the rights in Section 8 as provided by their state law, including consent before we process sensitive data and the right to appeal. Texas notice: we do not sell sensitive or biometric personal data.

Washington (My Health My Data Act) and Nevada (SB 370). KwikBuck is not a health service. If you choose to share health-related information (for example during an SOS or patient-transport request), we use it only to deliver that request, do not sell it, and you may request access or deletion as described above.

Nevada (NRS 603A). We do not sell covered information. Nevada residents may still submit an opt-out request to info@kwikbuck.com.

Illinois (BIPA), Texas (CUBI) and Washington (RCW 19.375). See Section 3 for our biometric notice, written consent, retention schedule and destruction policy.

We use encryption in transit, access controls, row-level data permissions, audit logs and secure payment partners. Card numbers are entered directly with our payment partner and never stored by KwikBuck. No system is perfectly secure; if a breach affects your information, we will notify you and regulators as required by applicable state breach-notification laws.

The Services are for people 18 and older. We do not knowingly collect personal information from children under 13 (COPPA) or sell data of anyone under 18. Minors may only appear as a Trusted Circle contact added and managed by a parent or guardian. If you believe a child has given us information, email info@kwikbuck.com and we will delete it.

By adding your mobile number you agree to receive service texts (verification codes, order, ride and safety alerts). Message and data rates may apply. Reply STOP to opt out of non-essential texts and HELP for help. We do not send marketing texts without your separate express consent under the TCPA. Mobile numbers and SMS consent are never shared with third parties for their marketing.

We may update this Policy. If changes are material we will notify you in the app or by email before they take effect. KwikBuck is operated by Kwikbuck Inc., a Delaware corporation, 19C Trolley Square, Wilmington, DE 19806, United States. Email: info@kwikbuck.com.