Last updated: October 11, 2026
PayKnights, Inc. (“PayKnights,” “we,” “us,” or “our”) operates the PayKnights website, applications, games, and related services (collectively, the “Service”).
This Privacy Policy explains what information we collect, how we use it, when we disclose it, how long we keep it, and the choices and rights available to you.
PayKnights is intended only for people who are at least 18 years old.
The Service may be available globally. Some features, particularly cash rewards, payouts, subscriptions, or other financial features, may be available only in certain countries, states, or other jurisdictions.
When you create or use a PayKnights account, we may collect:
PayKnights does not require your legal name to serve as your public identity.
Your public PayKnights username is separate from any legal name that may be used by a payment or identity-verification provider.
You may be able to create or access your account through third-party authentication services.
We request and retain only the information reasonably necessary to authenticate you or establish your account, which may include:
We do not intentionally request access to things such as your contacts, friends lists, likes, or unrelated social-profile information merely because you use a third-party login.
We collect information generated when you participate in PayKnights, including:
Much of this information is part of your public PayKnights record, as described below.
PayKnights may allow you to create private post-game Reflections and may generate personalized Insights about your prediction behavior.
We may process:
Examples of an Insight might include identifying something you repeatedly assess well, a type of situation you may be overweighting, or a recurring blind spot.
Reflections and personal Insights are not publicly visible.
Authorized PayKnights personnel may access private content only when reasonably necessary for purposes such as support, troubleshooting, security, abuse prevention, legal compliance, or investigating a problem with the Service.
PayKnights may offer conversational or other AI-powered features that help you think through a sporting event, organize your reasoning, or express a prediction.
When you use these features, we may process:
We may use third-party AI service providers to process this information on our behalf.
We do not use raw private AI conversations to train or fine-tune general-purpose AI models.
We may use de-identified or aggregated information derived from AI interactions for analytics, troubleshooting, safety, product development, and improving PayKnights.
PayKnights may use public competitive information and de-identified product data to develop and improve its own features and systems.
This may include improving:
This does not change our treatment of private Reflections or private AI conversations described above.
When you use PayKnights, we may automatically receive technical information such as:
We do not intentionally create persistent device fingerprints or bespoke device identifiers for cross-device tracking.
We also do not use advertising identifiers for cross-site behavioral advertising.
PayKnights does not collect precise GPS location for ordinary use of the Service.
We may derive an approximate location, such as country or state/region, from your IP address.
We may use approximate location for:
An IP-derived location is only an approximate signal and may not determine final cash or payout eligibility.
Location or jurisdiction information used for these purposes is private and is not automatically displayed on your public profile.
Certain features may require verification before money can be paid.
PayKnights may use third-party identity, payment, tax, or verification providers to verify matters such as:
Where possible, these providers collect sensitive verification information directly from you.
PayKnights is designed to receive only the minimum information reasonably necessary to operate the relevant feature, such as:
PayKnights does not intend to store copies of identification documents, selfies used for verification, Social Security numbers, tax identification numbers, or full verification files when those can instead be handled by the provider.
Payment and payout providers may collect information such as:
PayKnights does not intend to store full card numbers, full bank account details, or similar payment credentials when they are handled by the applicable provider.
We may retain transaction-related information such as:
If you contact PayKnights, we may collect:
We may occasionally contact users to request product feedback, invite participation in research or testing, or better understand how a PayKnights feature is being used.
You may decline future product-research communications.
PayKnights does not ask users to provide sensitive information such as health information, religious beliefs, political beliefs, sexual orientation, or similar sensitive characteristics through ordinary prediction, AI, or Reflection features.
Please avoid including unnecessary sensitive personal information in free-text fields.
If you voluntarily include sensitive information, we may process it only as reasonably necessary to provide the feature and for other limited purposes described in this Policy.
PayKnights does not intentionally infer sensitive personal traits from your Reflections, prediction activity, or AI conversations for advertising or unrelated profiling.
PayKnights is built around a public prediction record.
Depending on the feature, the following may be publicly visible:
Core competitive activity cannot be selectively hidden simply because the result was unfavorable.
For example, users cannot make winning Calls public while privately hiding losing Calls from the same public record.
Private Reflections, private personal Insights, private AI conversations, residence information, verification information, payment information, email addresses, and similar non-public information are not part of the public profile.
Public PayKnights pages may be accessible on the open internet and may be indexed by search engines.
Search engines, archives, other users, or third parties may cache, copy, screenshot, quote, or otherwise preserve publicly available information.
If information is later removed from PayKnights, we cannot guarantee immediate deletion of copies independently retained by third parties or cached by search engines.
We may use personal information to:
PayKnights relies on automated systems for many ordinary product functions.
These systems may automatically:
These are generally rules-based product functions rather than discretionary decisions made by AI.
We may also use automated signals to detect:
Where appropriate or required by law, material adverse fraud, compliance, or account decisions may be subject to additional review.
Where the GDPR, UK GDPR, or similar law applies, our legal basis depends on why we are processing the information.
We process information when necessary to provide the Service you requested, including:
We may process information where necessary for legitimate interests such as:
We consider the impact on users when relying on legitimate interests.
We process information where necessary to comply with obligations involving matters such as:
We rely on consent where required, including for certain optional marketing communications, optional technologies, or other processing for which applicable law requires consent.
You may withdraw consent where the processing is based on consent. Withdrawal does not make earlier processing unlawful.
PayKnights currently uses necessary cookies and similar technologies needed to:
We may also use limited first-party or platform-level analytics necessary to understand basic Service performance and usage.
PayKnights does not currently use cookies for:
If our advertising or tracking practices materially change, we will update this Policy and implement any legally required consent or opt-out controls before those practices are introduced.
Browser settings may allow you to block or remove cookies, although doing so may cause some parts of the Service not to function properly.
We may send communications necessary to operate your account or the Service, such as:
You may not be able to opt out of communications that are necessary to provide or secure your account.
We may send optional PayKnights marketing or promotional communications where permitted by law.
You can unsubscribe from marketing communications using the unsubscribe mechanism provided or by contacting us.
Unsubscribing from marketing does not stop necessary service communications.
We may separately contact users for limited product research, feedback, or testing.
You may ask us not to contact you for future research outreach.
We do not disclose personal information simply because another company wants access to PayKnights users.
We may disclose information in the following circumstances.
We may use service providers for functions such as:
Providers acting on our behalf may process information to provide their services and for other limited purposes permitted by their contracts and applicable law.
Some providers may also act as independent controllers for particular activities, such as their own payment, identity, fraud-prevention, regulatory, or legal obligations. Their own privacy notices may apply to that processing.
We generally describe providers by category rather than maintaining provider names in this Privacy Policy.
PayKnights does not provide users’ personal information to commercial partners for those partners’ own marketing merely because PayKnights enters into a sponsorship, referral, league, creator, sportsbook, brand, or other commercial relationship.
We may present sponsored content, referral links, promotions, or partner offers without disclosing your personal information to the partner.
If a partner is to receive your personal information for its own purposes, we will require your authorization or another appropriate legal basis.
Information you submit as part of the public PayKnights record may be disclosed publicly as described in Section 2.
We may disclose information when you direct us to do so or intentionally connect a service that requires the disclosure.
We may disclose information when we reasonably believe disclosure is necessary to:
Information may be transferred as part of an actual or proposed:
Where appropriate, we will require the recipient to handle personal information consistently with applicable law.
PayKnights does not sell personal information.
PayKnights also does not share personal information for cross-context behavioral advertising or targeted advertising, as those terms are defined under applicable U.S. state privacy laws.
We currently do not operate third-party behavioral advertising or cross-site retargeting systems.
If these practices change in the future, we will update our disclosures and provide any legally required notice, consent mechanism, or opt-out before the new practice begins.
Where applicable law requires recognition of legally recognized browser-based opt-out preference signals, we will honor them as required by law.
We may create information that has been aggregated or de-identified so that it is not reasonably linked to an identifiable individual.
We may use or disclose such information for purposes including:
For example, PayKnights may publish aggregate statistics about how a group of users or Experts predicted an event without identifying private information about individual users.
Where required by law, we will maintain de-identified information in de-identified form and will not attempt to re-identify it except as legally permitted to test or maintain de-identification.
PayKnights may feature information that is already public on the Service in PayKnights’ own marketing or promotional materials.
This may include:
For example, PayKnights may highlight a top-ranked Knight or a notable public Call on its website, social accounts, promotional emails, or other PayKnights-owned channels.
This does not give PayKnights permission to use private Reflections, private Insights, private AI conversations, residence information, verification information, private contact information, or payout information for those purposes.
Our Terms of Service govern the license applicable to content you submit to PayKnights.
We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, including to provide the Service, maintain competition integrity, comply with law, resolve disputes, prevent fraud, and enforce agreements.
Our general retention approach is:
Information may remain temporarily in protected backups until those backups are overwritten or deleted according to ordinary backup schedules.
We may retain information longer when reasonably necessary to:
You may delete your account using available account controls or request deletion from PayKnights.
When an account is deleted, we will delete or anonymize ordinary account information according to our retention practices.
Certain information may remain where necessary for:
Deleting an account does not necessarily erase the historical fact that a competition occurred.
Where necessary to preserve historical accuracy, PayKnights may retain de-identified competition records after account deletion.
For example, completed Duel results, League standings, Expert cycles, settled Calls, or historical rankings may remain, while the deleted user’s identity is replaced with a generic identifier such as “Deleted Knight.”
We will remove or anonymize the username, avatar, profile link, and other identifying profile information where reasonably practical.
We use reasonable administrative, technical, and organizational measures designed to protect personal information.
These may include measures such as:
No internet service or storage system can be guaranteed to be completely secure.
If a security incident involving personal information occurs, we will investigate it and notify affected individuals, regulators, or others when required by applicable law.
PayKnights and its service providers may process information in countries other than the country where you live.
Those countries may have privacy laws different from those in your jurisdiction.
Where applicable law requires safeguards for an international transfer, we use appropriate transfer mechanisms.
For transfers involving the European Economic Area or United Kingdom, these may include:
We may also use supplementary safeguards where appropriate, including access controls, encryption, data minimization, and contractual protections.
Depending on where you live, you may have rights relating to your personal information.
These may include the right to:
These rights are subject to applicable exceptions and limitations.
Where available, you may exercise certain rights directly through your PayKnights account.
For requests that cannot be completed in-app, contact us at:
info@payknights.com
We may take reasonable steps to verify that the person making a request is the account holder or otherwise authorized to make the request.
Verification may include:
We will not request more information than reasonably necessary to verify the request.
Authorized agents may submit requests where permitted by applicable law. We may verify the agent’s authority and, where permitted, confirm the request directly with the user.
If we deny a request, you may have a right to appeal the decision. Where applicable, instructions for doing so will be included with our response.
PayKnights will not unlawfully discriminate against you for exercising an applicable privacy right.
If the GDPR or UK GDPR applies to you, you may have rights to:
Some rights depend on the circumstances and legal basis for the processing.
You may contact us using the information in Section 16.
Residents of certain U.S. states may have additional rights under applicable state privacy law.
Depending on your state, these may include rights to:
Not every right applies in every state or to every type of information.
As described above, PayKnights currently:
For purposes of California law, PayKnights may collect the following categories of personal information, depending on how you use the Service:
| Category | Examples applicable to PayKnights |
|---|---|
| Identifiers | Email, username, account identifiers, IP address |
| Customer-record information | Account and transaction information where applicable |
| Commercial information | Subscription, purchase, refund, and transaction history |
| Internet/network activity | Service activity, logs, browser and device information |
| Approximate geolocation | Country or state/region inferred from IP |
| Inferences | Private Insights and performance patterns generated from PayKnights activity |
PayKnights does not intentionally collect as part of ordinary account use:
Payment, identity, tax, and verification providers may collect additional information directly from you when necessary to provide those functions.
PayKnights does not sell these categories of personal information and does not share them for cross-context behavioral advertising.
Some information is intentionally public because it forms part of the PayKnights competitive record.
A request to delete personal information does not necessarily require PayKnights to falsify or erase historical competition results.
Where permitted by law, we may preserve the integrity of those records by de-identifying the user rather than deleting the underlying event or result.
If you delete your account, we will remove or anonymize your public identity as described in Section 13.
PayKnights is intended only for users who are at least 18 years old.
We do not knowingly permit people under 18 to maintain PayKnights accounts.
If we learn that a user is under 18, we may restrict or close the account and take appropriate steps to delete or otherwise handle the associated personal information.
If you believe a person under 18 has provided personal information to PayKnights, please contact us.
PayKnights may link to websites, services, or applications operated by third parties.
Their privacy practices are governed by their own policies, not this Privacy Policy.
We encourage you to review those policies before providing information directly to a third party.
We may update this Privacy Policy from time to time.
When we do, we will update the “Last updated” date at the top of the Policy.
If a change is material, we will provide additional notice where appropriate, such as:
The type of notice will depend on the nature of the change and applicable law.
For questions about this Privacy Policy or to exercise a privacy right, contact:
PayKnights, Inc.
845 N State Street
Chicago, IL 60610
United States
Email: info@payknights.com