Information We Collect

We collect information you provide directly to us when you create an account, initiate a transaction, contact our support team, or otherwise interact with our services. This may include:

• Name, email address, phone number, and mailing address
• Payment and financial information (processed through PCI-DSS compliant systems)
• Business information for merchant accounts
• Identity verification documents as required by law
• Communications you send to us

Log Files

Like many websites, Swirepay automatically collects certain information when you access our platform. Log file data may include your IP address, browser type, Internet Service Provider (ISP), referring and exit pages, operating system, date and time stamps, and click-stream data. This information is used to analyze trends, administer the site, track user movements, and gather broad demographic information. IP addresses are not linked to personally identifiable information.

Cookies and Web Beacons

We use cookies — small text files stored on your device — to enhance your experience on our platform. Cookies allow us to recognize your browser, remember your preferences, and improve our services. We may also use web beacons (clear GIFs) in our emails to track open rates and interactions.

You may choose to disable cookies through your browser settings. However, please note that some features of the Swirepay platform may not function properly if cookies are disabled.

How We Use Your Information

We use the information we collect to:

• Process transactions and send related notices (receipts, confirmations, fraud alerts)
• Create and manage your Swirepay account
• Comply with legal and regulatory obligations (KYC, AML, PCI-DSS)
• Provide customer support and respond to inquiries
• Improve, personalize, and develop our platform and services
• Send promotional communications (you may opt out at any time)
• Detect, investigate, and prevent fraudulent activity and security incidents

Disclosure of Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

• Service providers: Vendors who assist in operating our platform (hosting, analytics, fraud prevention) under strict confidentiality agreements
• Financial partners: Banks, card networks, and payment processors necessary to complete your transactions
• Legal compliance: When required by law, court order, or governmental authority
• Business transfers: In connection with a merger, acquisition, or sale of assets, subject to standard confidentiality protections
• Consent: With your explicit permission for any other purpose

Data Security

Swirepay employs industry-standard security measures including TLS encryption in transit, AES-256 encryption at rest, and SOC 2 Type II–audited infrastructure. We are PCI-DSS Level 1 certified. While we take every reasonable precaution, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate data
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications at any time via the unsubscribe link in our emails
• Lodge a complaint with your local data protection authority

To exercise these rights, please contact us at privacy@swirepay.com.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a child under 18 has provided us with personal information, we will delete it promptly. If you believe we have inadvertently collected such information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page and, where appropriate, notify you by email or through a prominent notice on our website. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please reach out: