Swipe Credit AI, LLC
Effective Date: Feb 16 2026

Swipe Credit AI, LLC (“Swipe Credit,” “Company,” “we,” “our,” or “us”) is committed to protecting the privacy, confidentiality, and security of personal and financial information entrusted to us.

This Privacy Policy describes how we collect, use, disclose, protect, and retain information when individuals and businesses use Swipe Credit’s financial analytics and capital-readiness services.

1. Scope and Applicability

This Policy applies to:

Individual users
Business owners
Representatives of small and medium-sized enterprises
Website visitors

Swipe Credit provides financial analytics and business performance insights. Swipe Credit does not issue loans, hold deposits, initiate payments, or move customer funds.

2. Information We Collect

A. Information Provided Directly by Users

We collect information users provide when registering for or using our services, including:

Full name
Business name
Email address
Phone number
Business contact details
Account credentials

B. Financial Account Information (With Explicit Authorization)

With user consent, Swipe Credit may access financial account data through secure third-party service providers (e.g., Stripe Financial Connections or equivalent infrastructure providers).

This may include:

Account ownership details
Account balances
Transaction history
Business revenue and expense data

Swipe Credit does not access login credentials for bank accounts. Data access is permission-based and tokenized through authorized third-party providers.

C. Technical and Usage Information

We may collect:

IP address
Device type
Browser type
Session metadata
Usage analytics

This data is used for security, fraud detection, system performance, and service improvement.

3. Nonpublic Personal Information (NPI)

In accordance with the Gramm-Leach-Bliley Act (GLBA), Swipe Credit may receive or process “Nonpublic Personal Information,” which includes personally identifiable financial information provided by a consumer to obtain a financial product or service.

Swipe Credit treats all financial account data and related identifiers as confidential NPI and protects such information in accordance with applicable federal standards.

4. How We Use Information

We use collected information for the following purposes:

To provide and maintain our services
To process and analyze user-authorized financial data
To generate informational reports and insights for users
To operate, secure, and improve our platform
To communicate service-related notices and account updates
To comply with applicable legal and regulatory obligations

Swipe Credit does not:

Sell personal or financial information
Rent or trade data
Initiate financial transactions
Modify user bank accounts
Use financial data for credit decisioning

5. Disclosure of Information

We may share information only under the following circumstances:

A. Service Providers

We share limited data with vetted third-party service providers (such as cloud hosting providers, payment infrastructure providers, analytics services, and security vendors) strictly to operate our platform.

All service providers are:

Contractually obligated to protect data
Restricted from using data for unauthorized purposes
Subject to confidentiality and security requirements

B. Legal and Regulatory Requirements

We may disclose information:

In response to lawful subpoenas, court orders, or regulatory requests
To protect the rights, safety, or property of Swipe Credit or users
To prevent fraud or illegal activity

6. Data Security and Safeguards

Swipe Credit maintains a Written Information Security Program (WISP) designed to comply with the GLBA Safeguards Rule and other applicable federal data protection standards.

Our safeguards include:

Encryption of data in transit and at rest
Role-based access controls
Multi-factor authentication
Vendor risk assessments
Continuous system monitoring
Secure cloud infrastructure within the United States

We regularly evaluate and update our security controls to address evolving risks.

7. Incident Response and Breach Notification

Swipe Credit maintains a documented incident response program.

In the event of a data security incident involving personal information, we will:

Investigate promptly
Contain and remediate the issue
Notify affected users in accordance with applicable federal and state law

8. User Authorization and Control

Users explicitly authorize financial data access during the account connection process.

Users may:

Revoke financial data access at any time
Disconnect connected accounts
Request deletion of their account

Revocation does not affect prior lawful processing.

9. Data Retention

We retain personal and financial information only as long as necessary to:

Provide services
Comply with legal obligations
Resolve disputes
Enforce agreements

When no longer required, data is securely deleted or anonymized in accordance with our retention schedule.

10. User Rights and Requests

Subject to applicable law, users may:

Request access to their personal information
Request correction of inaccurate data
Request deletion of personal information
Withdraw consent to financial data access

Requests may be submitted to:

📧 privacy@swipecredit.com

We may require identity verification before processing certain requests.

11. Communications and Marketing

Users may receive service-related communications.

Users may opt out of non-essential communications at any time using the unsubscribe link or account settings.

Swipe Credit complies with applicable email communication laws, including the CAN-SPAM Act.

12. Data Location

All personal and financial information is stored and processed within the United States.

13. Changes to This Policy

We may update this Privacy Policy periodically.

Material changes will be posted publicly and become effective upon publication. Continued use of the services constitutes acceptance of the updated Policy.

14. Contact Information

For questions regarding this Privacy Policy or data practices:

Swipe Credit AI, LLC
Email: privacy@swipecredit.com