Security Page

Introduction

At Swiftier, we understand that the security of your funds and personal information is a top priority. Whether you’re sending money to family, friends, or business partners, you deserve peace of mind knowing that your transactions are protected.

To ensure a secure experience, we have implemented a range of security measures and best practices to safeguard your data and financial transactions. This Security Page outlines how Swiftier protects your information and what you can do to enhance your security when using our Services.

Use Official App Versions Only

To protect your data and financial information, always download the Swiftier App from official sources, such as the Apple App Store or Google Play Store. Using only verified versions of our App helps prevent unauthorized access, data leaks, and transaction interception.

Strong Passwords, PINs, and OTPs

• Password Security: Swiftier requires all users to create strong passwords with a minimum of 8 characters and up to 256 alphanumeric and special characters.

• Encryption: All passwords are encrypted using 256-bit Hash keys for maximum security

• One-Time Passwords (OTPs): We use OTPs sent to your registered email or phone number as an additional layer of end-to-end security. These temporary codes help ensure that only you can access your account, even if your password is compromised.

User Verification

To ensure a secure platform, Swiftier requires all users to verify their identity as part of the onboarding process. This process includes:

• Submission of government-issued identity documents, such as passports, driver’s licenses, or national IDs.

• Independent verification of your identity using multiple government and industry data sources.

• Real-time facial recognition and biometric checks where required.

Users consent to this verification process when they sign up for a Swiftier Account, as outlined in our Privacy Policy.

Data Protection

Swiftier is committed to protecting your personal data in compliance with industry standards and regulatory requirements. We use a combination of physical, electronic, and administrative measures to secure your data, including:

• Secure data storage behind firewalls and encrypted servers.

• Regular security audits and vulnerability assessments.

• Strict access controls to prevent unauthorized data access.

• Compliance with data retention and protection laws, as described in our Data Retention section of the Privacy Policy.

1. Fraud Prevention

Fraudsters use a variety of tactics to trick individuals into sharing sensitive information or transferring funds. To protect your hard-earned money, it’s important to recognize common fraud techniques and know how to avoid them. This section will help you identify and prevent potential fraud when using Swiftier.

a) Urgency and Pressure Tactics

Fraudsters often create a false sense of urgency to pressure you into making quick financial decisions without proper verification. Swiftier will NEVER force you to complete a transaction under urgent circumstances or pressure you into sharing sensitive information. Always take the time to verify any suspicious messages before responding.

b) Fear and Panic Scams

Scammers may try to create a sense of panic by presenting fictitious scenarios designed to scare you into sending money. For example, they might claim your account has been compromised or that you owe immediate fees. Swiftier’s Customer Support Team will only contact you directly if there is legitimate suspicious activity on your account, and will always verify your identity before discussing sensitive information.

c) Links and Attachments

Fraudsters often use unsolicited emails or text messages containing fake links or attachments that can compromise your account. Swiftier will only send authorized, secure emails for transactional and informational purposes. These emails will be signed with verifiable security certificates to confirm their authenticity. If you receive a suspicious email, do not click on any links or download attachments, and report it to Swiftier’s support team immediately.

d) Requests for Credentials

Scammers may attempt to trick you into providing One-Time Passwords (OTPs), PINs, or account passwords over the phone or via text messages. Swiftier will NEVER ask you for your OTP, PIN, or password. If you receive such a request, consider it a red flag and report the incident to Swiftier immediately.

e) Reporting Suspicious Activity

If you suspect that you have been targeted by a scam or if you notice any suspicious activity on your Swiftier account, report it to our Customer Support Team as soon as possible. Swiftier is committed to protecting its users from fraud and will take immediate action to secure your account.

2. Regulatory Obligations

Swiftier is a registered Money Services Business (MSB) in Canada, regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). We are committed to maintaining the highest standards of regulatory compliance to ensure the safety and security of our users and their transactions.

a) Global Compliance

• In Canada, Swiftier is registered as an MSB with FINTRAC.

• In the United Kingdom, Swiftier may operate as a registered payments institution under the Financial Conduct Authority (FCA) and must comply with the Payment Services Regulations (PSR).

• Swiftier is also committed to complying with the General Data Protection Regulation (GDPR) and other global privacy laws, where applicable.

b) Independent Audits and Oversight

• Swiftier undergoes regular independent audits to ensure compliance with regulatory requirements, including AML (Anti-Money Laundering), KYC (Know Your Customer), and data protection laws.

• We implement strict internal controls and governance frameworks to ensure transparency and accountability in all our operations.

Swiftier’s commitment to regulatory compliance is part of our broader effort to provide a secure, trustworthy platform for global financial transactions.

3. Securing Your Activities

For Canada-Based Users:

• Wallet funding in Canada is exclusively processed through the Interac platform. To fund your wallet, you must use the email address associated with your Swiftier account. This ensures that funds are securely directed to the correct wallet.

• For faster settlement of funds, you can send transaction references to our support team at deposit@swiftier.ca.

• If you believe your account has been compromised, promptly change your password and PINs, and report the incident to support@swiftier.ca.

• Regularly review your transaction history for any unusual activity and report any suspicious charges or patterns to Swiftier.

4. Data Collection, Usage, Processing, and Retention

Providing secure and reliable payment services requires the collection and processing of various types of personal data. Swiftier collects this data to ensure the safe and efficient delivery of our Services and to comply with legal and regulatory requirements.

a) Types of Data Collected

• Personally Identifiable Information (PII): Names, physical and email addresses, phone numbers, dates of birth, and government-issued identification numbers.

• Technical and Device Information: IP addresses, device types, operating systems, browser types, and location data.

• Behavioral Data: User interactions, including keystrokes, page views, link clicks, communications data, comments, and file transmissions.

b) How We Collect Data

• Account Registration: Information provided during account creation and identity verification.

• App Downloads and Installation: Data collected when you download and install the Swiftier App from official sources, such as the Apple App Store or Google Play Store.

• Customer Surveys and Feedback: Information collected from voluntarily completed surveys, message boards, emails, and customer support interactions.

c) How We Use This Data

• To Provide Services: To deliver secure payment solutions and personalized financial products.

• To Improve Security and Usability: To enhance the safety, usability, and overall experience of our platform.

• For Marketing Purposes: To send targeted communications, promotions, and personalized offers (with your consent).

Swiftier is committed to protecting your personal data in accordance with our Privacy Notice and all applicable data protection laws.

Download the Swiftier app