Introduction
KnucklePay ("we", "us", "our") respects your privacy. This Policy explains how we collect, use, share, and protect personal and biometric data when you use our app or services in the U.S., in compliance with applicable laws such as CCPA, CalOPPA, and COPPA.
What We Collect
- Account & Identity Data: Name, email, phone number, address, biometric identifiers (fingerprint templates), and PIN.
- Usage Data: Device information (brand, OS version, IP address), app usage patterns, and location data (with user consent).
- Payment Data: Tokenized card or bank account details via payment gateways.
How We Use Your Data
- To authenticate and process transactions, including biometric + PIN security.
- To provide and maintain service, customer support, and account management.
- To improve features and services via analytics (aggregate/unidentifiable).
- To comply with legal obligations and fraud prevention.
Sharing Your Information
We may share with:
- Service Providers: cloud hosts, payment processors (e.g., Stripe), analytics tools—under contractual confidentiality and security obligations.
- Legal or Safety Situations: in response to court orders or to protect rights, safety, or property.
Biometric Data Handling
Your fingerprint templates are captured securely on-device, encrypted via TLS during transmission, and stored in encrypted form. We use them only for authentication and never sell them with third parties.
Your Rights
- Access, correct, or delete your data.
- Opt-out of data collection or processing.
- Request data portability (necessary for app functionality).
- Withdraw consent at any time (note: this may affect app usability).
- To exercise rights, contact us on info@knucklepay.com
Data Retention & Security
We retain data only as needed for service operation or legal requirements (up to 6 months after account termination). We implement industry-standard encryption and procedures to maintain high security standards.
Children's Privacy
We do not knowingly collect data from users under 18. If discovered, such accounts will be deleted.
Policy Updates
We will post updates with revised "Effective Date." Material changes may result in in-app notifications or emails.
Contact Us
Questions or requests? Reach our Data Protection Officer at:
KnucklePayprivacy@gmail.com
Attn: Jerry-Barry LLC, 6509 Ellinor Field Lane, Charlotte NC
Terms of Use – Dispute Resolution & Arbitration
Arbitration Agreement
ANY dispute related to KnucklePay services will be subject to mandatory, binding individual arbitration under the Federal Arbitration Act (FAA).
- Claims will be arbitrated via American Arbitration Association (AAA) or JAMS, per their consumer rules.
- You and KnucklePay waive any right to a jury trial and agree to resolve disputes one-on-one, not via class actions, class arbitrations, or multi-plaintiff lawsuits.
Class Action & Representative Waiver
To the maximum extent permitted by law, users agree not to participate in class, collective, or representative actions.
- If a court finds any portion of this arbitration/class action waiver invalid, the remainder survives.
Exceptions to Arbitration
- Claims eligible for small claims court ($10,000 limit) are excluded from arbitration.
- You may opt out of arbitration within 30 days of first accepting these terms by sending written notice to info@knucklepay.com to remain effective.
Governing Law
This privacy/arbitration agreement is governed by the Federal Arbitration Act (FAA). All claims are governed by the laws of North Carolina, U.S.A, without conflict-of-law rules. Venue lies in Mecklenburg County, NC.
