Privacy Policy

Privacy Policy – Swipe n Charge

Effective Date: August 9, 2025.

At Swipe n Charge, your privacy and the security of your data are our top priorities. We understand the importance of protecting the personal, financial, and business information you share with us when using our services. This Privacy Policy explains in detail how we collect, store, process, share, and protect your information. It also describes your rights and choices in relation to that data. By using our website or services, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect

We may collect a wide range of information from you depending on the type of service you request:

  • Personal Information: Full name, date of birth, phone number, email address, physical address, identification documents (when required for compliance).

  • Business Information: Legal entity name, business type, industry category, ownership structure, incorporation details, tax ID, financial statements, and processing history.

  • Financial Information: Bank account details, credit card or debit card numbers (if provided during application), transaction volumes, chargeback records, and other data required to establish merchant accounts.

  • Technical Information: IP address, browser type, device identifiers, operating system, and geolocation data when you access our website.

  • Usage Data: Details about how you interact with our website, emails, or online forms, including cookies and tracking technologies.

2. How We Use Your Information

We use the information collected for a variety of legitimate business purposes, including but not limited to:

  • Account Setup & Onboarding: To process merchant applications, verify identities, and connect your business with an appropriate acquiring bank or payment processor.

  • Service Delivery: To provide consulting, cost-reduction strategies, customer support, and chargeback management.

  • Risk & Compliance: To prevent fraud, monitor suspicious activity, and ensure compliance with applicable laws, including anti-money laundering (AML) and know-your-customer (KYC) regulations.

  • Communication: To send important service updates, billing information, and customer support messages. We may also send promotional messages when permitted.

  • Analytics & Improvement: To analyze usage patterns, improve website functionality, and optimize customer experience.

  • Legal Obligations: To respond to legal requests, enforce contracts, and comply with regulatory requirements.

3. Sharing & Disclosure of Information

We respect your privacy and limit sharing of your information. However, in the following circumstances we may share your data:

  • With Partner Processors & Banks: We must share certain personal and business details with acquiring banks and processors to establish merchant accounts.

  • With Service Providers: Third-party providers may help us with fraud detection, data storage, IT infrastructure, compliance checks, and payment-related services.

  • For Legal Reasons: We may disclose your information if required by law, court order, or government request.

  • In Business Transfers: In the event of a merger, acquisition, or sale of company assets, your data may be transferred as part of that transaction.

We do not sell, rent, or trade your personal data to third parties for marketing purposes.

4. Data Security

We take reasonable and appropriate measures to protect your data, including:

  • Encryption of sensitive information during transmission.

  • Restricted access to personal information on a need-to-know basis.

  • Firewalls, intrusion detection systems, and other advanced security technologies.

  • Regular monitoring and audits to ensure ongoing compliance with security standards.

However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your information only as long as necessary to:

  • Fulfill the purposes outlined in this policy,

  • Provide services to you,

  • Comply with legal and regulatory obligations, and

  • Resolve disputes or enforce agreements.

When data is no longer needed, we securely delete or anonymize it.

6. International Data Transfers

Swipe n Charge operates with partners and processors across multiple jurisdictions. If your data is transferred outside your country of residence, we implement safeguards such as contractual clauses or equivalent measures to protect your information in accordance with applicable privacy laws.

7. Your Privacy Rights

Depending on your jurisdiction, you may have rights including:

  • Access: Request a copy of the data we hold about you.

  • Correction: Update or correct inaccurate information.

  • Deletion: Request the deletion of personal data, subject to legal and regulatory requirements.

  • Restriction: Limit the way we process your data.

  • Objection: Object to processing based on legitimate interests or direct marketing.

  • Portability: Request transfer of your data to another provider where technically feasible.

To exercise these rights, please contact us at office@swipencharge.com. We may need to verify your identity before fulfilling your request.

8. Cookies & Tracking Technologies

Our website uses cookies, pixels, and similar technologies to:

  • Enhance user experience,

  • Store user preferences,

  • Analyze website traffic, and

  • Deliver targeted advertising.

You may disable cookies in your browser settings. However, some parts of our site may not function properly if cookies are disabled.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices, security, or content of those external sites. We encourage you to review their privacy policies.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that we have collected such data, we will take steps to delete it immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other operational reasons. The revised version will be effective as of the published date. We encourage you to review this page regularly.

12. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or how your data is handled, please contact us:

📧 office@swipencharge.com
📍 30 N Gould St #54722 Sheridan, WY, 82801, USA
📞 (307) 204-9800