1. Introduction

SWIFT99 PAY INC (“SWIFT99 PAY INC”, “we”, “our”, or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you use our website, mobile applications, and international money transfer services.

SWIFT99 PAY INC is incorporated in Ontario, Canada (Corporation No. OCN 710626623) and is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Registration No. C10001639, under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).

By accessing or using our services, you agree to the collection and use of your information as described in this Privacy Policy.

2. Information We Collect

We may collect the following categories of information:

Personal Information

Full name
Date of birth
Residential address
Email address
Telephone number
Nationality
Government-issued identification details
Occupation (where required)
Source of funds information (where required)

Financial Information

Bank account details
Payment method information
Transaction history
Transfer amounts
Recipient details

Technical Information

IP address
Device information
Browser type
Operating system
Cookies and similar technologies
Website usage information

3. How We Use Your Information

We use your information to:

Create and manage your account.
Verify your identity.
Process international money transfers.
Comply with Canadian anti-money laundering and counter-terrorist financing laws.
Detect and prevent fraud and financial crime.
Monitor suspicious activities.
Improve our website and services.
Respond to customer enquiries.
Provide customer support.
Send service-related notifications.
Meet legal and regulatory obligations.

4. Legal Basis for Processing

Where applicable, we process your information because it is necessary to:

Provide the services you request.
Comply with legal and regulatory obligations.
Protect our legitimate business interests.
Prevent fraud and financial crime.
Fulfil contractual obligations.
Obtain your consent where required by law.

5. Identity Verification

As a registered Money Services Business, we may request documents to verify your identity in accordance with Canadian law.

These may include:

Passport
Driver’s licence
National identity card
Proof of address
Selfie verification (where applicable)
Additional documents when required for compliance purposes

Failure to provide requested verification may prevent us from providing our services.

6. Sharing Your Information

We may share your information with:

Licensed payment partners
Banking institutions
Foreign exchange providers
Identity verification providers
Fraud prevention services
Regulatory authorities
Law enforcement agencies where legally required
Technology and cloud service providers that support our operations

We do not sell your personal information to third parties.

7. International Data Transfers

Because our services involve international money transfers, your information may be processed or transferred to other countries where necessary to complete your transaction or comply with legal requirements.

Where appropriate, we implement reasonable safeguards to protect personal information during such transfers.

8. Data Security

We maintain administrative, technical, and organisational safeguards designed to protect your personal information against unauthorised access, alteration, disclosure, or destruction.

Although we take reasonable measures to secure your information, no method of electronic transmission or storage can be guaranteed to be completely secure.

9. Data Retention

We retain personal information only for as long as necessary to:

Provide our services
Meet legal and regulatory requirements
Resolve disputes
Prevent fraud
Comply with FINTRAC record-keeping obligations and other applicable laws

Once retention is no longer required, information is securely deleted or anonymised where appropriate.

10. Cookies

Our website uses cookies and similar technologies to:

Maintain website functionality
Improve user experience
Analyse website performance
Enhance security

You can manage cookie preferences through your browser settings. Disabling cookies may affect certain website features.

11. Your Rights

Subject to applicable law, you may have the right to:

Access your personal information.
Request correction of inaccurate information.
Withdraw consent where applicable.
Request information about how your data is processed.
Submit a complaint regarding the handling of your personal information.

Certain rights may be limited where we are legally required to retain or process information.

12. Children’s Privacy

Our services are intended for individuals who are legally permitted to use financial services. We do not knowingly collect personal information from children.

13. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external websites.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or business practices. Any updates will be posted on this page with a revised “Last Updated” date.

15. Contact Us

If you have any questions regarding this Privacy Policy or our privacy practices, please contact us through the contact details provided on our website.

SWIFT99 PAY INC
Ontario, Canada

Website: https://swift99inc.com