Privacy Policy
Effective — Last Updated
This Privacy Policy describes how Swift ("Swift," "we," "us," or "our") collects, uses, discloses, and protects personal information when you use our websites, apps, content, courses, tools, and related services (the "Services").
Education Only. Swift provides financial education and general information—not financial, investment, legal, accounting, or tax advice. For legal terms governing your use of the Services, see our Terms of Service.
We collect the following categories of personal information for the purposes described:
- Identifiers: name, username, email, phone, IP address, device IDs — for account creation, authentication, security, customer support, and service communications.
- Commercial Information: plan tier, purchase history, payment status (tokenized by processors) — to provide subscriptions, billing, and account management.
- Internet/Electronic Activity: pages viewed, clicks, referring URLs, session duration, crash logs, and device/browser metadata — to operate, secure, and improve the Services.
- Approximate Geolocation: inferred from IP — to apply regional settings (e.g., tax, language) and detect fraud.
- User Content: posts, messages, uploads, course progress — to deliver educational features you request.
- Inferences: derived preferences (e.g., topics of interest) — to personalize content and measure engagement.
- Sensitive Data (generally not requested): we do not require SSNs or government IDs for education features. If a third-party finance provider requests sensitive data, it's collected under that provider's policy—not by Swift.
Retention: We retain personal information only as long as necessary for the purposes above, to comply with legal obligations, resolve disputes, and enforce agreements.
- Directly from you (forms, account creation, uploads, support requests).
- Automatically (cookies, security tools, SDKs, server logs).
- Third parties (payment processors, affiliate networks, sign-on providers).
- Provide, operate, and secure the Services (authentication, fraud prevention, debugging).
- Process subscriptions and payments.
- Deliver educational content and features.
- Communicate service updates and support.
- Monitor performance and improve features.
- Comply with legal obligations and enforce our Terms.
We disclose personal information to:
- Service Providers / Processors (hosting, cloud, authentication, payments, email, support) under contracts that limit use to our instructions.
- Integration Partners you choose (e.g., BNPL providers, affiliate networks, retailers).
- Affiliates (corporate family) for operations consistent with this Policy.
- Legal / Safety (to comply with law, enforce Terms, protect rights, prevent fraud or abuse).
- Business Transfers (merger, acquisition, asset sale). Notice will be provided where required.
We may use certain categories of personal information — such as identifiers, commercial information, and internet activity — for business and commercial purposes, including:
- Developing new products, analytics, and AI-based tools.
- Generating anonymized or aggregated insights for research.
- Partnering with third parties for co-branded or analytical collaborations.
- Supporting marketing, affiliate, and business-development operations.
When permitted by law, Swift may sell or share personal information as defined by the California Consumer Privacy Act (CCPA/CPRA) and similar laws. "Sell" does not mean handing over your data for cash — it means disclosing certain data to approved partners for valuable consideration, such as insights or audience analytics.
- We do not sell sensitive personal information (e.g., financial data, passwords, government IDs).
- You can opt out of sale or sharing any time by visiting our Do Not Sell or Share My Personal Information page or emailing info@myswiftshop.com with the subject "Do Not Sell/Share My Personal Information."
- We honor Global Privacy Control (GPC) signals as an opt-out where required by law.
You may have rights under U.S. state laws (e.g., CA CPRA, VA, CO, CT, UT) and international laws (e.g., GDPR), including to:
- Access or obtain a copy of your personal information.
- Correct inaccuracies or delete data (subject to exceptions).
- Opt out of sale/share and targeted advertising.
- Request portability or appeal a denied request.
How to Submit a Request: Email info@myswiftshop.com with the subject "Privacy Request." We may verify your identity before acting on it.
We use administrative, technical, and physical safeguards to protect personal information. No system is perfectly secure. You are responsible for keeping your credentials confidential and notifying us of unauthorized access.
Our Services are not directed to children under 13, and we do not knowingly collect their data. If you believe a child has provided personal information, contact us for deletion. We do not sell/share data of users under 16.
We process and store data in the United States and other countries with appropriate safeguards (e.g., Standard Contractual Clauses) as required by law.
We retain personal information only as long as necessary to provide the Services, for legal and business purposes, and in accordance with this Policy.
We may update this Policy from time to time. Material updates will be announced via email or banner notice. Continued use of the Services after changes means you accept the updated Policy.
- California (CPRA): rights to know/access, delete, correct, opt out of sale/share, and limit use of sensitive PI (we do not use sensitive PI for purposes requiring a "limit" link). We will not discriminate for exercising these rights.
- Virginia / Colorado / Connecticut / Utah: similar rights to access, correct (except UT), delete, portability, and opt out of targeted advertising or sale/share. We respond within statutory timelines.
Our Services may link to third-party sites or integrate third-party features (e.g., financing providers, affiliate retailers). Your use of those services is subject to their own terms and policies.