Privacy Policy for Swipe Credit

Swipe Credit (“Swipe Credit,” “we,” “our,” or “us”) is committed to protecting the privacy and security of our users’ information. This Privacy Policy explains how we collect, use, store, and protect personal and financial data when you use our services.

Collection of Information

We collect personal and business information provided directly by users when they register for and use our services, including name, business name, contact details, and account-related information.

With a user’s explicit consent, we may also collect financial account data through secure third-party service providers such as Stripe Financial Connections. This data may include account ownership details, account balances, and transaction history associated with a user’s business bank account.

We may additionally collect technical information such as IP address, device type, and browser information for security and operational purposes.

Use of Information

We use collected information solely to:

Provide cash-flow analytics, financial performance insights, and business health assessments
Help users understand revenue and expense patterns
Support financial management and capital-readiness evaluations
Communicate important service updates and account information

Swipe Credit does not initiate payments, move funds, or issue loans based on connected bank account data.

Disclosure of Information

We do not sell or rent personal or financial information.

We may share limited data with trusted service providers (such as cloud hosting, analytics, or payment infrastructure providers like Stripe) strictly to operate and improve our services. These providers are contractually obligated to safeguard data and use it only for authorized purposes.

We may disclose information if required to do so by law or regulatory request.

Data Storage and Security

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

We implement industry-standard technical and organizational safeguards, including encryption, access controls, and secure infrastructure, to protect user data from unauthorized access or disclosure.

User Consent and Control

Users explicitly authorize access to their financial data during the account connection process. Users may revoke access to connected accounts at any time through their account settings.

Data Retention

We retain information only for as long as necessary to provide our services and meet legal or regulatory requirements. Data is securely deleted when no longer required.

Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted publicly and become effective upon publication.

If you have questions about this Privacy Policy or our data practices, contact us at:

📧 privacy@swipecredit.com