What we collect
The data controller is Legal entity, Speersort 10, 20095 Hamburg, Germany.
- Identity and contact details: your name, date of birth, address, email, phone number and country of residence, collected when you open an account.
- Account and transaction data: balances, wallets, cards, payments, savings goals and the details of the people you pay.
- Security data: login times, devices, IP addresses and two-factor authentication settings, used to protect your account.
- Support conversations: messages you send us through support tickets or email.
We never store your card PIN or password in readable form. Both are stored hashed.
How we use it
- To open and run your account, issue cards and process your payments.
- To verify your identity and meet our legal obligations, including anti-money-laundering checks.
- To detect and prevent fraud, and to alert you to unusual activity.
- To send you service messages such as receipts, statements and security alerts.
- To answer your support requests and improve our products.
We only send marketing if you've agreed to it, and you can opt out at any time.
Who we share it with
We do not sell your personal data. We share it only where needed to provide the service or where the law requires it, for example with:
- Payment networks and partner banks that carry your payments and card transactions.
- Identity verification and fraud prevention providers.
- Infrastructure providers that host our systems under strict confidentiality terms.
- Authorities, when we're legally required to share information.
How long we keep it
We keep your data while your account is open. After it closes, we keep records only for as long as the law requires, typically for financial-record and anti-money-laundering purposes, and then delete or anonymise them.
Your rights
Depending on where you live, you can ask us to:
- give you a copy of the personal data we hold about you;
- correct data that is inaccurate or incomplete;
- delete your data, where we're not legally required to keep it;
- restrict or object to certain processing, including marketing;
- give you your data in a portable format.
You can also complain to your local data protection authority.
Cookies
We use essential cookies to keep you logged in and to protect forms against misuse. These are needed for the service to work and can't be turned off.
Changes and contact
If we make significant changes to this policy, we'll tell you by email or in the app before they take effect. For questions or requests, email info@swifteu.com.