Privacy Policy

This Privacy Policy outlines how we collect, use, and protect your personal information when you interact with our website and services. By using this site, you agree to the practices described in this policy.

When do We collect information about You?

We may collect the following categories of data:
• Account & contact data: name, email, phone, job title, company name, billing details
• Business & compliance data: information provided for onboarding/verification (e.g., business documents, beneficial ownership details, authorised representatives)
• Transaction-related data: payment references, amounts, currencies, status, timestamps, and technical logs connected to payment activity
• Device & usage data: IP address, browser/device identifiers, pages viewed, referral URLs, and similar analytics data
• Support communications: messages and attachments you send to support@swapay.com

How we use data

We use personal data to:
• Provide, operate, and maintain the Website and services
• Verify users/businesses, perform compliance checks, and prevent fraud/abuse
• Process requests, respond to support queries, and communicate service updates
• Monitor performance, troubleshoot, and improve security and reliability
• Meet legal and regulatory obligations

Legal bases (where applicable)

We process data based on one or more of the following:
• Performance of a contract (providing the services)
• Legitimate interests (security, fraud prevention, service improvement)
• Legal obligations (compliance and record-keeping)
• Consent (where required, e.g., certain cookies/marketing)

Sharing of data

We may share data with:

• Service providers supporting hosting, security, analytics, and communications

• Compliance, risk, and fraud-prevention partners when needed to protect the platform

• Authorities or professional advisers where legally requiredWe do not sell personal data.

International transfers

If data is transferred outside your country, we apply appropriate safeguards where required.

Data retention

We keep data only as long as necessary for the purposes above, including compliance and dispute resolution, and then delete or anonymise it when feasible

Your Rights

Depending on your location, you may have rights to access, correct, delete, restrict, or object to processing, and to withdraw consent. To make a request, email support@swapay.com.

Security

We use reasonable administrative, technical, and organisational measures to protect data. No method of transmission or storage is 100% secure.

Updates

We may update this Policy. The “Effective date” will be updated when changes are posted.