This Privacy Policy explains how iSwiss Pay Limited (“iSwiss Pay”, “we”, “our”, or “us”) collects, uses, discloses, and protects your information when you use our website, mobile application, and related services (together, the “Services”).

By accessing or using our Services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue using our Services.

1. Information We Collect

We may collect the following categories of information:

a) Information You Provide

• Account information: name, email address, phone number, date of birth, residential address, and identification documents.

• Financial information: bank account details, payment card details, IBANs, and transaction history.

• Business information (if applicable): company name, registration number, registered office, directors, and shareholders.

• Support communications: messages and attachments you send to our customer service.

b) Information Collected Automatically

• Device and usage data: IP address, device type, operating system, browser type, log files, and app usage statistics.

• Cookies and tracking technologies: used to improve user experience, analytics, and security.

c) Information From Third Parties

• Identity verification providers (KYC/AML).

• Credit reference agencies.

• Payment service providers and banking partners.

2. How We Use Your Information

We use your personal information for the following purposes:

• To provide, operate, and improve our Services.

• To verify your identity and comply with legal obligations (KYC/AML requirements).

• To process transactions and provide payment services.

• To prevent fraud, unauthorized transactions, and misuse of our Services.

• To communicate with you, including sending updates, alerts, and support responses.

• To conduct analytics and improve our app and website performance.

• To comply with regulatory, tax, and financial reporting requirements.

3. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), we process your personal data under the following legal bases:

• Contractual necessity – to provide the Services.

• Legal obligation – to comply with anti-money laundering, counter-terrorism financing, and other regulations.

• Legitimate interests – to improve and secure our Services.

• Consent – when you allow optional features such as marketing communications.

4. How We Share Your Information

We may share your information with:

• Affiliates and group companies within the iSwiss Group.

• Service providers who perform services on our behalf (IT, cloud hosting, compliance, analytics).

• Banking and payment partners required to process transactions.

• Regulators and law enforcement authorities where required by applicable laws.

• Business partners only with your consent.

We never sell your personal data to third parties.

5. International Transfers

Your information may be transferred and processed outside your country of residence, including in countries that may not provide the same level of data protection. We ensure such transfers comply with applicable laws (e.g., GDPR standard contractual clauses).

6. Data Retention

We retain personal data for as long as necessary to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. Typically, financial and KYC data is retained for a minimum of 5 years after the business relationship ends, as required by law.

7. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access to your personal data.

• Correction of inaccurate or incomplete data.

• Deletion of your data (“right to be forgotten”).

• Restriction of processing.

• Data portability.

• Objection to processing, including direct marketing.

• Withdrawal of consent (when processing is based on consent).

To exercise your rights, contact us at [insert email address].

8. Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no system is completely secure, and we cannot guarantee absolute security.

9. Children’s Privacy

Our Services are not intended for persons under 18 years of age. We do not knowingly collect data from minors. If we learn we have collected data from a child, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website and app with a revised “Last Updated” date. Significant changes may also be communicated via email or in-app notification.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

iSwiss Pay Limited
Registered office: 329 Howe Street #1273, Vancouver, BC V6C 3N2, Canada