Privacy Policy
Effective Date: March 8, 2026
Swipe Credit AI (“Swipe Credit,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, applications, and services (collectively, the “Platform”).
1. Information We Collect
Personal Information
We may collect information that identifies you or your business, including:
• Name
• Email address
• Phone number
• Business name and address
• Account login credentials
Financial Information
When you connect financial accounts or upload financial information, we may collect:
• Bank account transaction data
• Revenue and expense information
• Business financial metrics
• Accounting or financial documentation
Financial data may be accessed through secure integrations with third-party providers such as Plaid or other financial data services.
Automatically Collected Data
When you use the Platform we may automatically collect:
• Device information
• IP address
• Browser type
• Usage analytics
• Cookies and tracking technologies
Swipe Credit uses cookies and similar technologies to analyze platform usage, improve functionality, and enhance user experience.
2. How We Use Your Information
Swipe Credit uses collected information to:
• Provide financial analytics and insights
• Generate capital readiness assessments
• Improve platform performance and services
• Communicate product updates and service notifications
• Detect fraud, security issues, or misuse
• Comply with legal and regulatory requirements
Swipe Credit does not sell customer financial data.
3. AI and Automated Analysis
Swipe Credit uses artificial intelligence and automated analytics systems to generate financial insights based on the information you provide. These systems analyze patterns in financial data to produce recommendations and reports.
AI-generated insights are informational tools only and should not be considered financial advice.
4. Data Sharing and Third-Party Service Providers
We may share information with trusted service providers who help operate the Platform, including:
• Cloud infrastructure providers
• Financial data connectivity services (e.g., Plaid)
• Security and fraud detection vendors
• Analytics providers
These partners are contractually required to maintain confidentiality and security protections.
Swipe Credit does not sell or rent personal financial data to third parties.
5. Data Security
Swipe Credit implements industry-standard administrative, technical, and physical safeguards designed to protect non-public financial information.
Security protections include:
• Encryption in transit using TLS
• Encrypted data storage
• Access controls and authentication safeguards
• Continuous monitoring for security threats
Swipe Credit maintains safeguards designed to protect financial information consistent with applicable financial privacy regulations.
No system is completely secure, but we take reasonable steps to safeguard data.
6. Data Retention
We retain user data only as long as necessary to:
• Provide services
• Maintain account functionality
• Comply with legal obligations
• Resolve disputes and enforce agreements
Users may request deletion of their personal data as described below.
7. Your Privacy Rights
General User Rights
You may request to:
• Access your personal data
• Correct inaccurate information
• Delete your personal data
• Export your data where technically feasible
Requests may be submitted by contacting:
Swipe Credit responds to verified data access or deletion requests within 45 days, consistent with applicable privacy regulations.
California Privacy Rights (CCPA / CPRA)
If you are a California resident, you have the right to:
• Request disclosure of personal data collected
• Request deletion of personal information
• Opt out of the sale or sharing of personal data
• Not be discriminated against for exercising privacy rights
Swipe Credit does not sell personal information.
8. Email Communications
Swipe Credit may send product updates, service notifications, and marketing communications.
You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in our emails.
Swipe Credit complies with the CAN-SPAM Act and other applicable email marketing laws.
9. Children’s Privacy
The Platform is intended for business users and is not directed toward individuals under 18 years of age. We do not knowingly collect personal information from children.
10. International Data Processing
Information collected through the Platform may be processed and stored in the United States or other jurisdictions where Swipe Credit or its service providers operate.
By using the Platform, you consent to the transfer and processing of information in accordance with this Privacy Policy.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.
12. Contact Information
If you have questions about this Privacy Policy or our data practices, contact us at:
Swipe Credit AI
Atlanta, Georgia, United States
Email: privacy@swipecredit.com
13. Important Disclaimer
Swipe Credit AI is a financial analytics software platform.
Swipe Credit does not provide loans, credit decisions, or financial advice.
Insights generated by the platform are informational and depend on the data provided by users.