1. Data we collect
To provide transfers and meet legal obligations we collect identity data (name, date of birth, photo ID), contact data (email, phone, address), transaction data (amounts, recipients, funding sources) and technical data (device, IP address, app usage). We collect the minimum needed — nothing more.
2. Why we use it
Your data is used to execute transfers, verify identity, prevent fraud and financial crime, provide support, and — where you opt in — send rate alerts and product updates. Legal bases include contract performance, legal obligation and consent, depending on the purpose.
3. Safeguarding and retention
Data is encrypted in transit and at rest, stored under strict access controls, and held in segregated systems audited annually. Identity and transaction records are retained as required by anti-money-laundering law (typically five years), then securely deleted or anonymised.
4. Sharing
We share data only with payout partners, banks and regulators as needed to complete your transfers and comply with law. We never sell personal data and never share it for third-party marketing. Processors handling data on our behalf are bound by strict contractual safeguards.
5. Your rights
You may request access, correction, deletion, portability or restriction of your data, and you may withdraw marketing consent at any time — via the app's privacy centre or by emailing hello@swiftsettlepay.com. We respond to all requests within 30 days.
6. Cookies and contact
We use strictly necessary cookies for security and login, plus optional analytics cookies only with your consent. Questions about this policy: contact us — our data protection team replies within two business days.