Klutch Privacy Policy

1. Information We Collect

We collect the following categories of information:

• Account information: Name, email address, phone number, date of birth, and any other details you provide when creating or updating your account.
• Identity and verification information: Government ID details, selfies, or other documents if we require identity verification.
• Payment and bank information: Bank account details, routing numbers, and transaction history when you load funds. We use third-party payment processors; we do not store full bank credentials on our servers.
• Transaction and rewards data: Records of funds loaded, cash back earned, and redemptions at participating dispensaries.
• Usage and device information: App interactions, device type, operating system, IP address, and approximate location (derived from IP or device settings).
• Communications: Messages you send to our support team.

2. How We Use Information

We use the information we collect to:

• Provide, operate, and improve the Service;
• Process loads, issue cash back, and facilitate redemptions;
• Verify your identity, age, and eligibility;
• Detect and prevent fraud, abuse, and security incidents;
• Communicate with you about your account, transactions, and updates to the Service;
• Comply with legal obligations and enforce our Terms of Service.

3. How We Share Information

We may share information with:

• Payment processors and banking partners to process loads and transfers;
• Participating dispensaries to the extent necessary to complete redemptions and track cash-back eligibility;
• Service providers who perform functions on our behalf (hosting, analytics, customer support, identity verification);
• Legal and regulatory authorities when required by law or to protect our rights;
• Business transfers in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information.

4. Data Retention

We retain information for as long as your account is active and for a reasonable period thereafter to comply with legal obligations, resolve disputes, and enforce our agreements. Transaction records may be retained for longer periods as required by financial regulations.

5. Security

We implement technical and organizational measures designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Your Choices and Rights

Depending on your location, you may have rights to access, correct, or delete your personal information, or to object to certain processing. You can update account details in the app or contact us to make a request. We may need to retain certain information for legal or operational reasons even after a deletion request.

7. Children’s Privacy

The Service is not intended for anyone under 21. We do not knowingly collect personal information from individuals under 21. If we learn we have collected such information, we will delete it.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes through the app or by email. The “Last updated” date at the top of this policy indicates when it was last revised.

9. Contact

Questions about this Privacy Policy or our data practices can be sent to support@heyklutch.com.