Privacy

SwiftLQ Privacy Policy

At SwiftLQ, protecting your personal and financial information is a top priority. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data in connection with your use of our banking products, services, mobile apps, and website.

1. Information We Collect

We collect personal and financial information to provide you with secure and customized banking experiences. The types of information we may collect include:

• Full name, address, email, phone number, date of birth, Social Security Number (SSN)
• Employment information and income details
• Banking transactions and account balances
• Device data, IP address, and browser type when accessing digital platforms
• Geolocation and access logs for fraud prevention
• Credit reports, loan application data, and insurance information

2. How We Use Your Information

Your information is used for the following business and legal purposes:

• To process transactions and provide banking services
• To verify your identity and meet regulatory requirements (e.g., KYC)
• To communicate with you about your accounts, loans, or services
• To improve our products, features, and digital banking experiences
• To detect, investigate, and prevent fraud or unauthorized access
• For marketing purposes (only where permitted by law)

3. Data Sharing and Third Parties

We do not sell or rent your personal information. However, we may share your data with third parties in the following instances:

• With service providers and vendors who help operate our business (e.g., payment processors, cloud storage providers)
• With regulatory authorities or law enforcement as required by applicable laws
• With credit bureaus, for account servicing or reporting purposes
• With business partners (such as mortgage brokers or insurance agencies) if you engage in co-branded services

4. Cookies and Tracking Technologies

Our website and mobile applications use cookies and similar tracking technologies to enhance user experience, analyze usage, and deliver personalized content. You can manage your cookie preferences through your browser settings. Disabling cookies may impact site functionality.

5. Data Security and Retention

We implement robust physical, technical, and administrative safeguards to protect your data from unauthorized access or misuse. These include encryption, multi-factor authentication, firewalls, and regular system audits. Your information is retained only as long as necessary to fulfill legal and operational requirements.

6. Your Rights and Choices

You have the right to:

• Access and review the personal data we maintain about you
• Request corrections to inaccurate or incomplete data
• Opt out of marketing communications
• Request deletion of your information, subject to legal obligations

To exercise your rights, please contact our Privacy Office at privacy@SwiftLQ.com.

7. Children’s Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personal data from children without verified parental consent.

8. International Users

If you are accessing our services from outside the United States, please be aware that your data may be transferred to, processed, and stored in the U.S. where privacy laws may differ.

9. Policy Updates

This policy may be updated periodically to reflect changes in our practices or legal requirements. The latest version will always be available on our website with the effective date clearly noted.

10. Contact Us

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

SwiftLQ Privacy Office
1234 Byte Lane, Suite 100
FinTech City, NY 10001
Phone: 1-800-BYTE-BNK
Email: privacy@SwiftLQ.com

Effective Date: January 1, 2025