Effective Date: 05/06/2025
Last Updated: 07/08/2025
Welcome to SwiftWire LLC ("SwiftWire," "we," "our," or "us"). By accessing or using our website, mobile app, or any of our services, you agree to the following Terms of Use & Support Policy ("Terms"). Please review them carefully. If you do not agree, you must not use our platform.
1.1 SwiftWire provides access to global financial tools, including cross-border payments, currency swaps, virtual cards, and crypto features.
1.2 You agree to use our services only for lawful purposes and in a way that does not violate the rights of others.
1.3 Most financial transactions are processed by licensed third-party providers, regulated in their respective jurisdictions. SwiftWire functions as a technology platform and does not directly hold, store, or transfer user funds.
2.1 All website content, technology, logos, designs, and software are the intellectual property of SwiftWire LLC or its licensors.
2.2 You may not copy, modify, reproduce, republish, or distribute any part of our content without written consent.
3.1 Services are provided "as is" with no guarantees of availability, accuracy, or suitability for any specific purpose.
3.2 SwiftWire is not responsible for losses, delays, or errors caused by third-party processors or external systems.
3.3 To the extent permitted by law, we disclaim all liability for direct or indirect damages related to your use of our services.
4.1 Our platform may include links to external websites. These are for convenience only and do not indicate endorsement.
4.2 SwiftWire is not responsible for the content, privacy practices, or functionality of any third-party sites.
5.1 We reserve the right to update these Terms at any time. Changes will be published here with the updated date.
5.2 Continued use of SwiftWire after changes means you accept the revised Terms.
6.1 These Terms are governed by the laws of the United States and the State of Maryland.
6.2 All disputes will be resolved exclusively in the courts located in Maryland.
7.1 SwiftWire provides round-the-clock support, 24/7/365, including weekends and holidays. All support is handled by trained staff based in the United States — no outsourcing.
7.2 We assist with onboarding, transactions, accounts, virtual cards, and more.
⏱ Typical response time: 10–30 minutes during business hours
For the fastest service, use the live chat feature in the SwiftWire app or dashboard.
Reach us at support@theswiftwire.com. We typically respond within 24 hours or less.
7.3 We are committed to quality, security, and privacy. All communications remain internal — we do not use third-party call centers or chatbots.
8.1 You have the right to request permanent deletion of your SwiftWire account and associated personal data.
8.2 For detailed information about what data is deleted, what may be retained for legal compliance, and how to submit a deletion request, please see our Delete Account page.
Effective Date: 05/06/2025
Last Updated: 11/05/2025
SwiftWire LLC ("SwiftWire," "we," "our," or "us") is committed to protecting your privacy and ensuring transparency about how we collect, use, share, and protect your personal information. This Privacy Policy applies to all users of our mobile application, website, and related services.
We collect the following types of information to provide, maintain, and improve our services:
Account Information: Name, email address, phone number, date of birth, residential address, and government-issued identification documents (for KYC/AML compliance).
Payment Data: Bank account details, card information, transaction history, wallet addresses, and payment method preferences. Payment card data is processed securely through PCI-DSS compliant third-party payment processors.
Transaction Information: Details of money transfers, currency conversions, crypto trades, virtual card usage, and mobile money transactions.
Device & Technical Data: IP address, device ID, operating system, browser type, mobile network information, app version, and unique device identifiers.
Usage Analytics: App interaction data, feature usage patterns, session duration, navigation paths, and performance metrics collected through Firebase Analytics and similar tools.
Crash Logs & Diagnostics: Error reports, crash data, and diagnostic information to identify and fix technical issues.
Location Data: Approximate location based on IP address or GPS (with your permission) to comply with regional regulations and prevent fraud.
Communications: Support tickets, chat messages, emails, and feedback you provide to our customer service team.
We use collected data for the following purposes:
• Service Delivery: Process transactions, manage accounts, issue virtual cards, and provide customer support.
• Identity Verification: Comply with KYC/AML regulations and verify user identity through third-party verification services.
• Fraud Prevention: Detect and prevent fraudulent activities, money laundering, and unauthorized access.
• Platform Improvement: Analyze usage patterns to enhance features, fix bugs, and optimize user experience.
• Communication: Send transaction confirmations, account notifications, security alerts, and customer support responses.
• Legal Compliance: Meet regulatory obligations, respond to legal requests, and enforce our Terms of Service.
• Marketing (with consent): Send promotional offers, product updates, and newsletters (you can opt out anytime).
10.1 SwiftWire does not sell your personal information. We share data only as necessary to provide services and comply with legal obligations:
Payment Processors: Flutterwave, Stripe, Paystack, and Wise process payments, currency conversions, and card issuance. These providers operate under strict security and privacy standards.
Crypto Service Providers: Binance API powers crypto trading features. Transaction data is shared to execute trades and maintain wallet balances.
Mobile Money Partners: MTN and Orange (Cameroon) facilitate mobile money deposits and withdrawals.
Identity Verification Services: Third-party KYC/AML providers verify identity documents and screen for compliance risks.
Cloud Infrastructure: Data is stored on secure cloud servers (AWS, Google Cloud) with encryption and access controls.
Analytics & Monitoring: Firebase Analytics, Google Analytics, and crash reporting tools help us understand app performance and user behavior.
Customer Support Tools: Support platforms may access conversation history to resolve inquiries efficiently.
Legal & Regulatory Authorities: We disclose information when required by law, court order, or government request, or to protect our rights and prevent fraud.
10.2 All third-party service providers are contractually obligated to protect your data and use it only for specified purposes.
11.1 SwiftWire integrates the following third-party SDKs and APIs to deliver core functionality:
• Firebase Authentication: Secure user login and session management.
• Firebase Cloud Messaging: Push notifications for transaction updates and alerts.
• Firebase Analytics: App usage tracking and performance monitoring.
• Flutterwave SDK: Payment processing and mobile money integration.
• Stripe/Paystack SDK: Virtual card issuance and payment processing.
• Wise API: Currency conversion and international transfers.
• Binance API: Cryptocurrency trading and wallet management.
• Google Maps API: Location services (with permission).
11.2 Each SDK operates under its provider's privacy policy. We recommend reviewing their policies for additional details.
12.1 You have the following rights regarding your personal data:
• Right to Access: Request a copy of the personal data we hold about you.
• Right to Correction: Update or correct inaccurate information in your account settings or by contacting support.
• Right to Deletion: Request permanent deletion of your account and personal data (subject to legal retention requirements). See our Delete Account page for details.
• Right to Data Portability: Request an export of your data in a machine-readable format.
• Right to Restrict Processing: Limit how we use your data in certain circumstances.
• Right to Object: Opt out of marketing communications or data processing for specific purposes.
• Right to Withdraw Consent: Revoke consent for data processing where consent was the legal basis.
12.2 To exercise these rights, contact us at support@theswiftwire.com with your account details and specific request.
12.3 We will respond to verified requests within 30 days. Some data may be retained as required by law (e.g., transaction records for tax/audit purposes).
13.1 We implement industry-standard security measures to protect your data:
• Encryption: Data is encrypted in transit (TLS/SSL) and at rest (AES-256).
• Access Controls: Strict role-based access limits who can view or modify data.
• Authentication: Multi-factor authentication (MFA) and secure login protocols.
• Monitoring: Continuous security monitoring and intrusion detection systems.
• Regular Audits: Periodic security assessments and vulnerability testing.
13.2 While we take extensive precautions, no system is 100% secure. You are responsible for maintaining the confidentiality of your login credentials.
14.1 We retain personal data only as long as necessary to provide services and comply with legal obligations:
• Active Accounts: Data is retained while your account is active and for a reasonable period afterward.
• Transaction Records: Financial transaction data is retained for 7 years to comply with tax, audit, and AML regulations.
• KYC/AML Data: Identity verification records are retained as required by financial regulations (typically 5-7 years after account closure).
• Marketing Data: Deleted immediately upon opt-out or account deletion (unless required for legal compliance).
14.2 After retention periods expire, data is securely deleted or anonymized.
15.1 SwiftWire is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 13 (or the applicable age of digital consent in your jurisdiction).
15.2 If we discover that we have inadvertently collected data from a child under 13, we will delete it immediately. Parents or guardians who believe their child has provided information to SwiftWire should contact us at support@theswiftwire.com.
15.3 Users must be at least 18 years old to create an account and use SwiftWire services.
16.1 We use cookies, pixels, and similar technologies to enhance your experience:
• Essential Cookies: Required for login, security, and core functionality.
• Analytics Cookies: Track app usage and performance (Google Analytics, Firebase).
• Marketing Cookies: Personalize ads and measure campaign effectiveness (with consent).
16.2 You can manage cookie preferences through your browser or device settings. Disabling certain cookies may limit functionality.
16.3 Our website and app may use web beacons, pixels, and SDKs for analytics and advertising purposes.
17.1 SwiftWire operates globally, and your data may be transferred to and processed in countries outside your residence, including the United States.
17.2 We ensure adequate safeguards are in place, such as Standard Contractual Clauses (SCCs) and adherence to international data protection frameworks.
17.3 By using SwiftWire, you consent to the transfer of your data to jurisdictions with different privacy laws.
18.1 We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or service offerings.
18.2 Material changes will be communicated via email, in-app notification, or a prominent notice on our website.
18.3 Continued use of SwiftWire after changes take effect constitutes acceptance of the updated policy.
19.1 For privacy-related questions, data requests, or concerns, please contact us:
SwiftWire LLC
Email: support@theswiftwire.com
Phone (Americas): +1 (202) 438-4141
Phone (International): +237 652 456 156
Address:
6813 Simmons Ln
Clinton, Maryland 20735
United States
19.2 We are committed to resolving privacy concerns promptly and transparently.
This Privacy Policy is provided to meet Apple App Store Guideline 5.1.1 and Google Play Data Safety requirements.
Last updated: November 2025
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