Privacy Policy

1. Who we are

Swift Check is operated by Swiftmec Tech Solutions Limited (RC 9059283, registered with the Corporate Affairs Commission, Nigeria), Ikeja, Lagos, Nigeria. In this policy, "we", "our" and "us" mean Swiftmec Tech Solutions Limited. We are the data controller for the personal data described here.

This policy covers the Swift Check website, web app and mobile apps, and explains what we collect, why, who we share it with, how long we keep it, and the choices you have.

2. Information you give us

• Account details: your name, email address, password (stored only as a secure hash), and optionally a phone number and country.
• Purchase details: the services you buy and the details each one needs, such as an IMEI or serial number for a device check, a phone number, meter number or smartcard number for a bill payment, a recipient email for a gift card, or a vehicle identification number (VIN) for a vehicle report.
• Wallet and payment records: top-ups, purchases, refunds and withdrawals. Card details are entered on our payment processors' pages and are never stored on our servers.
• Support messages: what you send us through support tickets, the contact form, email or WhatsApp.
• Swift Invoice: business and client details you enter to create invoices (names, emails, phone numbers, addresses and bank details). You decide what to enter, and you are responsible for having the right to share your clients' details with us.
• Partner accounts: business details, verification documents and the bank account used for commission withdrawals.

3. Information collected automatically

• Device and usage data: IP address, browser or device type, operating system, and the pages and features you use, recorded in our server logs.
• Service data: for eSIMs, the eSIM identifier (ICCID), activation status and data usage; for virtual numbers, the text messages received on numbers you rent.
• Notification tokens: if you allow notifications, a token for your browser or phone so we can send them.
• Crash reports: the mobile app sends technical error reports so we can fix crashes.
• Cookies and local storage: used to keep you signed in and remember your settings. We do not use advertising or cross-site tracking cookies.

4. How we use your information

We use your information to:

• Create and run your account and wallet (needed to provide the service you signed up for).
• Deliver what you buy, including passing the necessary details to the provider that fulfils it.
• Send receipts, security alerts and service messages, and push notifications you have allowed.
• Detect and prevent fraud, abuse and unauthorised payments, including spending limits on some services (our legitimate interest in keeping customers and the platform safe).
• Keep financial, tax and transaction records the law requires us to keep.
• Fix problems and improve our services.

We do not sell your personal data, and we do not use it for third-party advertising.

5. Who we share it with

We share personal data only with the providers needed to run each service, and only what they need:

• Payment processors (Flutterwave and Paystack) to take payments, provide bank-transfer accounts for wallet funding, and handle refunds.
• eSIM providers (Airalo) to issue and top up eSIMs.
• Device check providers to run IMEI and serial number checks.
• Bill payment providers to deliver airtime, data, electricity, cable TV and other bill payments in Nigeria.
• Virtual number providers to rent numbers and receive text messages for you.
• Gift card providers (Reloadly) and vehicle data providers (MarketCheck), when you use those services.
• Infrastructure providers that host our servers, send our emails, store uploaded images, deliver push notifications and collect crash reports.
• Authorities, when the law requires it, or to protect our customers, our platform or others from fraud or harm.

6. International transfers

Some of these providers process data outside Nigeria, for example in the United States, the United Kingdom, the European Union and Singapore. When that happens, we rely on the safeguards the Nigeria Data Protection Act 2023 allows, such as contractual protections, and we only transfer what the service needs.

7. How long we keep it

We keep your account data while your account is open. When you delete your account, we sign you out straight away, wait 30 days in case you change your mind, and then anonymise the profile data we no longer need. Transaction, payment, tax, fraud-prevention and dispute records are kept for as long as the law or those purposes require, and are not used for anything else. Server logs are kept for a limited time for security and troubleshooting. See how account deletion works.

8. How we protect it

Data is encrypted in transit, passwords are stored as one-way hashes, access to production systems is limited to staff who need it, and card details stay with our payment processors. No system is perfectly secure, so please use a strong, unique password and tell us straight away if you suspect someone else has used your account.

9. Your rights

Under the Nigeria Data Protection Act 2023 and other laws that apply to you, you can ask us to:

• Give you a copy of your personal data.
• Correct data that is wrong or incomplete.
• Delete your data. You can start this yourself in Account Settings, or see the account deletion page.
• Restrict or object to how we use it, and receive it in a portable format.
• Withdraw consent you gave, such as for push notifications, at any time in your settings.

Email contact@swifttcheck.com from the address on your account. We reply within 30 days. If you are unhappy with our answer, you can complain to the Nigeria Data Protection Commission (NDPC).

10. Children

Swift Check is for people aged 18 and over. We do not knowingly collect data from children. If you believe a child has given us personal data, contact us and we will delete it.

11. Changes to this policy

We will update this page when our practices change and change the "Last updated" date above. If a change materially affects how we use your data, we will also tell you by email or in the app.

12. Contact us

Questions about this policy or your data: contact@swifttcheck.com, or use our contact page.