Privacy Policy

Last Updated: 2026

Welcome to Swift. This Privacy Policy explains how Swift and its affiliated platform operated by Verliban collect, use, store, protect, and disclose your personal information when you use the application and related services.

By accessing or using the application, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

1. Policy Scope

1.1 Legal Entity & Compliance

Swift is a multi-service technology platform operated under the supervision and management of Verliban. This Privacy Policy applies to all users, customers, merchants, and delivery partners using the platform within Iraq and Lebanon.

We are committed to maintaining high standards of digital privacy, security, and responsible data handling practices in accordance with applicable laws and operational requirements.

2. Information We Collect

2.1 Personal Information

We may collect and process the following information:

• Full name
• Email address
• Mobile phone number
• Date of birth
• Country and city of residence
• Delivery addresses and GPS location data
• Payment and transaction information
• Order history and purchase activity
• Government-issued identification documents when required for verification or installment eligibility
• Device information, operating system, IP address, and application usage data
• Login information from third-party authentication providers when applicable

3. How We Use Your Information

3.1 Operational & Service Purposes

We use collected information to:

• Process and deliver orders
• Manage installment and payment services
• Verify identity and account ownership
• Provide customer support and service updates
• Improve application functionality and user experience
• Detect fraud, abuse, suspicious activity, or security violations
• Send notifications, promotions, and service-related communications
• Optimize logistics, routing, and delivery operations

4. Legal Basis for Processing

4.1 Legal Grounds

Your data is processed based on one or more of the following legal grounds:

• Performance of contractual obligations between the user and the platform
• Compliance with legal and financial regulations
• User consent provided during account registration and service usage
• Legitimate business interests such as security improvements, fraud prevention, analytics, and service optimization

Users may withdraw consent where applicable, subject to legal and operational limitations.

5. Data Retention & Storage

5.1 Retention Period

We retain user data for as long as necessary to:

• Maintain active accounts and services
• Fulfill legal, operational, financial, and compliance obligations
• Resolve disputes and enforce agreements

Certain financial and transaction records may be retained for up to (10 years) where required by applicable commercial or financial regulations.

5.2 Data Security

User information is stored on secure cloud infrastructure protected by encryption technologies, restricted access controls, and advanced cybersecurity measures.

Users remain responsible for maintaining the confidentiality of their account credentials and verification codes.

6. Data Sharing

6.1 Service Providers & Operational Partners

We do not sell personal information to third parties.

Information may only be shared when operationally necessary with:

• Merchants and restaurants for order preparation and fulfillment
• Delivery partners for delivery execution and communication
• Licensed payment gateways and financial institutions for payment processing
• Governmental, legal, or regulatory authorities when legally required

7. Cookies & User Rights

7.1 Cookies

The application may use cookies and similar technologies to improve user experience, remember preferences, and enhance platform performance.

Users may disable cookies through device or browser settings where applicable.

7.2 User Rights

Subject to applicable laws, users may have the right to:

• Access their stored personal data
• Request correction of inaccurate information
• Request deletion of their account and personal data
• Object to certain processing activities
• Request data portability where technically feasible

Requests may be submitted through official support channels.

8. Data Breach & Policy Updates

8.1 Security Incidents

In the event of a security breach affecting personal information, Swift will take reasonable technical and operational measures to contain the incident and notify affected users when required.

8.2 Policy Modifications

Swift reserves the right to modify or update this Privacy Policy at any time to reflect operational, legal, or technical changes.

Updated versions become effective immediately upon publication within the application.

9. Account Deletion & Contact Information

9.1 Account Deletion

Users may request account deletion through:

• The in-app account settings, or
• Official customer support channels

Deletion requests may be subject to unresolved financial obligations, legal requirements, or active disputes.

9.2 Contact Information

For questions, complaints, or requests related to this Privacy Policy or data protection matters, please contact:

📧 info@swift.com.iq