Privacy Policy

1. Introduction

Swiftwad Technologies ("Swiftwad," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website swiftwad.com and use our mobile application and services (collectively, the "Services").

By accessing or using our Services, you agree to the terms of this Privacy Policy. If you do not agree with the practices described herein, please do not use our Services.

2. Information We Collect

2.1 Personal Information You Provide

When you register for an account, use our Services, or contact us, we may collect the following:

• Full name, date of birth, and government-issued identification
• Email address and phone number
• Mailing and/or residential address
• Bank account details, debit/credit card numbers, and other payment information
• Transaction history and records
• Any other information you voluntarily provide to us

2.2 Information Collected Automatically

When you access our Services, we may automatically collect:

• Device information (device type, operating system, unique device identifiers)
• IP address and geolocation data
• Browser type and version
• Usage data such as pages visited, time spent, and clickstream data
• Cookies and similar tracking technologies (see Section 6)

2.3 Information from Third Parties

We may receive information about you from third-party sources, including identity verification providers, financial institutions, and public databases, to comply with regulatory requirements and enhance our Services.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To process transactions, manage your account, and provide customer support
• Identity Verification: To comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations
• Communication: To send you transactional updates, security alerts, and promotional messages (with your consent). Message and data rates may apply. You can opt out of promotional messages at any time by replying STOP.
• Improvement: To analyze usage patterns and improve our Services, features, and user experience
• Security: To detect, prevent, and respond to fraud, unauthorized access, and other security threats
• Legal Compliance: To comply with applicable laws, regulations, and legal processes

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist in operating our Services (e.g., payment processors, cloud hosting, identity verification, SMS messaging providers)
• Financial Partners: With banks and financial institutions as necessary to facilitate transactions
• Legal Requirements: When required by law, regulation, legal process, or governmental request
• Business Transfers: In connection with a merger, acquisition, reorganization, or sale of assets
• With Your Consent: When you have given us explicit permission to share your information

5. Data Security

We implement industry-standard technical and organizational measures to protect your personal information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Secure access controls and authentication mechanisms
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy best practices

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to promptly addressing any breaches.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. The types of cookies we use include:

• Essential Cookies: Required for the basic functionality of our Services
• Analytics Cookies: Help us understand how users interact with our Services
• Preference Cookies: Remember your settings and preferences

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of our Services.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When your data is no longer needed, we will securely delete or anonymize it.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Portability: Request a copy of your data in a structured, machine-readable format
• Opt-Out: Unsubscribe from promotional communications at any time by replying STOP to any SMS or clicking the unsubscribe link in emails
• Restriction: Request restriction of processing of your personal information in certain circumstances

To exercise any of these rights, please contact us using the details provided in Section 11.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our Services after any changes constitutes acceptance of the updated Privacy Policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: