The policy authorizes Kick to analyze collected personal information and data from external sources to build interest and preference profiles for advertising targeting, and to use personal information for fraud detection and credit risk assessment.
This analysis describes what Kick's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes that Kick conducts profiling of users by combining first-party data with externally sourced data, and applies profiling outputs to advertising and fraud or credit risk assessment. The reference to credit risk assessment is operationally distinct and may engage specific regulatory frameworks depending on how it is implemented.
Interpretive note: The operational scope of 'credit risk' assessment as used in this provision is not defined in the policy; whether it engages FCRA or equivalent regulatory frameworks depends on how profiling outputs are used in practice.
Under this clause, Kick may combine information collected from users with data obtained from external third-party sources to build profiles used for content and advertising personalization, as well as for fraud and credit risk assessment. The policy does not specify the external sources used for credit risk profiling or the criteria applied.
Cross-platform context
See how other platforms handle Profiling for Advertising and Fraud Detection and similar clauses.
Compare across platforms →"We may analyze personal information we have collected about you to create a profile of your interests and preferences so that we can contact you with information, content or advertisements that are relevant to you. We may make use of additional information about you when it is available from external sources to help us do this effectively. We may also use personal information about you to detect and reduce fraud and credit risk.Excerpt from Kick's Privacy Policy
1) REGULATORY LANDSCAPE: Automated profiling for advertising engages GDPR Article 22, which provides rights to users regarding solely automated decision-making with significant effects.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
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This provision establishes that Kick conducts profiling of users by combining first-party data with externally sourced data, and applies profiling outputs to advertising and fraud or credit risk assessment. The reference to credit risk assessment is operationally distinct and may engage specific regulatory frameworks depending on how it is implemented.
Under this clause, Kick may combine information collected from users with data obtained from external third-party sources to build profiles used for content and advertising personalization, as well as for fraud and credit risk assessment. The policy does not specify the external sources used for credit risk profiling or the criteria applied.
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