In order for SwayPay to provide and improve its personalized user experience, you allow SwayPay to collect some data from you.
Collected data– When you use SwayPay’s Services, we collect information sent to us by your computer, mobile phone or other device. The information sent to us includes, but is not limited to, the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from websites, referral URL, advertising data, standard web log data and other information.
Information collected with cookies – We also collect anonymous information using small data files called cookies and web beacons. These cookies allow us to recognize you as a SwayPay customer when you shop online, protect the security of your account, and prevent fraud. We may also use these data files to customize your SwayPay experience while using the Services, including providing you with personalized shopping insights or advertising.
Information you provide us – When you use SwayPay’s Services, we may collect and store any information you provide us, including information added to our mobile app, web forms, or any conversations you have with our help and support teams.
Registration information – When you use SwayPay’s Services, you may be asked to provide basic contact information, including your name, address, phone number, email address, and other similar data.
Information for completing payment and shipping forms – So that SwayPay can provide you with quick, secure payments and complete billing and shipping forms on merchants’ websites or commerce applications or on your behalf, we may collect the following information: credit or debit card number and card expiration date, billing and shipping address, and date of birth. In some cases, we may ask you to send us additional information or to answer additional questions to help verify your information.
Specific Information for sellers or businesses (also called “Merchants”) – So that SwayPay can provide you with personalized Merchant services, we may collect the following information related to you or your business: your social security number or taxpayer identification number, your business category and certain information about your sales or transaction volume. So that fees for using SwayPay’s Merchant services can be paid, we may also collect full bank account and routing numbers and credit or debit card numbers. In some cases, we may ask that you provide additional information or answer more questions to help verify your business details.
Information from in-app feedback and SwayPay support – We may collect information from you in relation to your engagement with support and feedback teams, including your responses to surveys, as well as emails, chat messages, and phone calls conducted with SwayPay’s support team. You accept that any of your communications with SwayPay may be recorded by members of SwayPay’s support teams or monitored for quality assurance purposes.
Transaction information – When you use SwayPay’s Services to conduct a transaction, we may collect information about the transaction, including: date, time and amount of the transaction, the merchant’s location, a description provided by the merchant of the goods or services purchased, the names and email addresses of the seller and buyer (or sender and recipient), the type of payment method used, your description of the reason for the transaction, and the offer associated with the transaction, if any. Biometric data, including fingerprint, iris and facial data is used for verification purposes only. This information is stored on your mobile device and is never stored by SwayPay. However, we may collect information about the devices used to make purchases with SwayPay. This includes details of the location and unique identifiers of your device, among other information.
Information obtained from third parties – We may obtain information about you from third parties, including third party verification services. This includes information arising from SwayPay transactions with Merchants, including by not limited to: the identity of your card issuer or financial institution, payment methods used, your accounts issued by Digital Wallets, and other third parties connected to the SwayPay app.
For Merchants specifically: information related to billing and details from consumer reports and credit bureaus may be obtained.
In order for SwayPay to provide digital payment Services through the SwayPay app, you permit SwayPay to disclose to apps that you have set up SwayPay and to share your device, payment location and other account information, including billing and shipping addresses, to Merchants, card issuers, digital wallets, your payment networks, and other third parties.
Marketing –. We may use your information to provide you with personalized, insightful, and relevant advertising. Where it is in accordance with your marketing preferences, SwayPay may send you electronic marketing or advertising communications. If you wish to opt out of our personalized shopping insights program, go to the settings screen in the SwayPay app, and turn off the switch that says “Get Personalized Shopping Insights.”
Transactions and shipping of products/services – When completing checkout transactions on your behalf, we may provide the Merchant with the necessary information to complete your purchase and ship your products and or services. This excludes sensitive payment details, but may include your name, account ID, contact details, shipping address, and any other details needed to verify the security of the transaction, prevent fraud, and complete the purchase.
Limit of liability with third party Merchants – SwayPay only discloses your credit card number, bank account information, or any other financial account information to Merchants when it is absolutely necessary to complete your payment with SwayPay. When possible, SwayPay will use virtual account numbers to represent your payment details when completing transactions so as to protect your sensitive payment information as much as possible. SwayPay may also need to share information with Merchants such as the shipping address or email address, so that your order can be successfully completed. SwayPay’s Terms of Service prevents Merchants from applying your personal information to any use other than completing a purchase and shipping a product or service. Regardless, SwayPay cannot be held responsible for any other unwanted dissemination of your personal details from these third parties.
Customer service – We may use information you share with us to assist our support teams in helping you resolve any problems that may arise related to our Services, and later, for training and/or user experience improvement. We may also use your information to assist you in resolving any disputes that may arise from the use of our Services.
Service providers – In order to provide our users and Merchants with a great experience, we use third-party service providers and contractors to support our technology Services and other business operations, including bill collection, marketing, and customer service. There may be times when we need to share your personal information with these third parties. Our service provider agreements prevent third parties from using your personal information in any capacity outside the scope of executing SwayPay Services.
Law enforcement purposes – If required by a subpoena or court order, SwayPay will share personal information to law enforcement agencies in order to comply with legal requirements. SwayPay may disclose your personal information to the appropriate legal authorities should we deem it necessary to prevent and/or report physical harm, violations of our Terms of Service, fraud and/or illegal activities. This include complying with regulations to prevent money laundering and terrorist activities.
How we protect your personal information – SwayPay uses a network of computers, cloud-based servers, and other network and information technology to provide our Services and store your personal information. We protect your information using the latest technology and best practices for technical and administrative security. These best practices include firewalls, data encryption, and controlled employee and third-party access to our information databases.
Your responsibility to protect your personal information – The security of your account information on SwayPay depends on you keeping your account password(s), PINs, and other accessible information private. If you tell someone your SwayPay account details, then this third party may be able to access SwayPay and make payments using your SwayPay account without your consent. You should also use password(s) and/or a PIN to keep devices that you use to access SwayPay safe from unwanted, third-party access.