1. Introduction
At SwiftPay, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our global money transfer platform.
2. Information We Collect
Personal Information
We collect information you provide directly to us, such as:
- Name, email address, and phone number
- Date of birth and government-issued ID
- Bank account and payment card information
- Transaction history and preferences
- Communication preferences
Automatically Collected Information
We automatically collect certain information when you use our services:
- Device information and IP address
- Browser type and operating system
- Usage patterns and preferences
- Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve our services
- Process transactions and prevent fraud
- Verify your identity and comply with regulations
- Communicate with you about your account
- Send you important updates and notifications
- Provide customer support
- Analyze usage patterns and improve user experience
4. Information Sharing and Disclosure
We may share your information in the following circumstances:
- Service Providers: With trusted third parties who assist in our operations
- Legal Requirements: When required by law or to protect our rights
- Business Transfers: In connection with mergers or acquisitions
- Consent: When you have given us explicit consent
- Fraud Prevention: To prevent fraud and ensure security
5. Data Security
We implement industry-standard security measures to protect your personal information, including:
- End-to-end encryption for all data transmission
- Secure data storage with bank-level security
- Regular security audits and assessments
- Access controls and authentication protocols
- PCI DSS compliance for payment processing
6. Data Retention
We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Transaction records are typically retained for 7 years as required by financial regulations.
7. Your Rights and Choices
You have the right to:
- Access and update your personal information
- Request deletion of your account and data
- Opt-out of marketing communications
- Request a copy of your data
- Object to certain processing activities
- Withdraw consent where applicable
8. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze usage patterns, and provide personalized content. You can control cookie settings through your browser preferences.
9. International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with applicable privacy laws.
10. Children's Privacy
Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date.