Privacy Policy

1. Introduction

Swift Bank ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, mobile application, or use our banking services.

This Privacy Policy applies to information we collect:

• On our website and mobile application
• Through our online banking services
• In email, text, and other electronic messages between you and us
• When you interact with our advertising and applications on third-party websites and services
• Through our branches and other offline channels

Please read this Privacy Policy carefully to understand our policies and practices regarding your information. If you do not agree with our policies and practices, your choice is not to use our services. By accessing or using our services, you agree to this Privacy Policy.

2. Information We Collect

We collect several types of information from and about users of our services, including:

2.1 Personal Information

Personal information is information that identifies you as an individual or relates to an identifiable individual. We may collect the following types of personal information:

• Identity Information: Full name, date of birth, gender, nationality, government-issued identification (such as passport, driver's license, national ID card), signature, photographs, and other similar identifiers
• Contact Information: Postal address, email address, telephone numbers, and similar contact data
• Financial Information: Bank account numbers, credit or debit card numbers, financial transaction history, credit history, income information, tax identification numbers, and other financial information
• Employment Information: Employer name, job title, industry, employment history
• Authentication Information: Usernames, passwords, security questions and answers

2.2 Non-Personal Information

We also collect information that does not directly identify you, including:

• Technical Information: Internet protocol (IP) address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, device information
• Usage Information: Information about how you use our website, products, and services, including browsing patterns, page views, search queries, clicking patterns, and other similar usage data
• Location Information: General location information inferred from IP address

2.3 Information Collection Methods

We collect this information:

• Directly from you when you provide it to us, such as when you open an account, apply for a loan, use our online banking services, or contact customer service
• Automatically as you navigate through our website or use our services, including through cookies and similar technologies
• From third parties, including credit bureaus, identity verification services, fraud prevention services, and public databases

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Verify your identity and prevent fraud
• Communicate with you about products, services, and events
• Respond to your comments, questions, and customer service requests
• Monitor and analyze trends, usage, and activities
• Comply with legal and regulatory requirements

4. Information Sharing and Disclosure

We may share your personal information with third parties in the following circumstances:

• Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. These service providers are contractually bound to use personal information only for the purposes for which we disclose it to them.
• Business Partners: We may share your information with our business partners to offer you certain products, services, or promotions that may be of interest to you.
• Affiliates: We may share your information with our affiliates and subsidiaries for business purposes, including marketing and offering joint products and services.
• Legal Requirements: We may disclose your information when we believe in good faith that disclosure is necessary to:
• Comply with any court order, law, or legal process, including to respond to any government or regulatory request
• Enforce or apply our terms of use and other agreements
• Protect the rights, property, or safety of Swift Bank, our customers, or others
• Detect, prevent, or otherwise address fraud, security, or technical issues
• Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• With Your Consent: We may share your information with third parties when you have given us your consent to do so.

We do not sell your personal information to third parties for their marketing purposes.

5. Data Security

We have implemented appropriate technical and organizational measures designed to protect the security of your personal information. These measures include:

• Encryption of sensitive personal information
• Secure networks and servers
• Access controls and authentication procedures
• Regular security assessments and audits
• Employee training on data security and privacy

However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

We will notify you of any breach of your personal information as required by applicable law.

6. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements.

To determine the appropriate retention period for personal information, we consider:

• The amount, nature, and sensitivity of the personal information
• The potential risk of harm from unauthorized use or disclosure of your personal information
• The purposes for which we process your personal information and whether we can achieve those purposes through other means
• The applicable legal, regulatory, tax, accounting, or other requirements

In some circumstances, we may anonymize your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information. These may include:

• Access: You may request access to your personal information that we hold.
• Correction: You may request that we correct inaccurate or incomplete personal information that we hold about you.
• Deletion: You may request that we delete your personal information in certain circumstances.
• Restriction: You may request that we restrict the processing of your personal information in certain circumstances.
• Data Portability: You may request to receive your personal information in a structured, commonly used, and machine-readable format.
• Objection: You may object to our processing of your personal information in certain circumstances.
• Withdrawal of Consent: Where we rely on your consent to process your personal information, you have the right to withdraw your consent at any time.

To exercise any of these rights, please contact us using the contact information provided at the end of this Privacy Policy. We may need to verify your identity before responding to your request.

Please note that some of these rights may be limited where we have compelling reasons to continue processing your information.

8. Cookies and Similar Technologies

We use cookies and similar tracking technologies to collect and use information about you and your interaction with our website and services. Cookies are small text files that are placed on your device when you visit a website, which uniquely identify your browser or device.

We use the following types of cookies:

• Essential Cookies: These cookies are necessary for the website to function properly and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms.
• Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.
• Functional Cookies: These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages.
• Targeting Cookies: These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other sites.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our website may become inaccessible or not function properly.

9. Third-Party Links

Our website and services may contain links to third-party websites, applications, or services that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will take steps to delete that information. If you believe we might have any information from or about a child under 18, please contact us.

11. International Data Transfers

We may transfer your personal information to countries other than the country in which you initially provided the information for the purposes described in this Privacy Policy. If we transfer your personal information to other countries, we will ensure that such information is protected as described in this Privacy Policy.

When we transfer personal information across borders, we take appropriate safeguards to ensure that your personal information is protected in accordance with this Privacy Policy and applicable data protection laws.

12. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy.

We will provide you with advance notice of any material changes to this Privacy Policy by email or through a notice on our website. We encourage you to review this Privacy Policy periodically for any changes.

Your continued use of our services after we make changes is deemed to be acceptance of those changes.