Privacy Policy

1. Introduction

Welcome to SWID Business. This Privacy Policy governs your access to and use of the SWID Business website, mobile application, merchant dashboard, APIs, and all related services (collectively referred to as the "Platform").

The Platform is owned and operated by PIXLLER TECHNOLOGIES PRIVATE LIMITED, a company incorporated under the Companies Act, 2013, having its registered office at:

Flat No. 401, 4th Floor, Lingama Nilayam, Plot No. 31/A, Ganesh Nagar, Peerzadiguda, Hyderabad – 500039, Telangana, India.

By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to this Privacy Policy along with our Terms and Conditions.

This Privacy Policy constitutes an electronic record under the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 (DPDP Act), and other applicable laws of India.

2. Acceptance of Privacy Policy

By registering an account, accessing, or using any part of the Platform, you consent to the collection, storage, processing, and use of your information in accordance with this Privacy Policy.

If you use the Platform on behalf of a company, organization, partnership, or other legal entity, you represent that you are authorized to bind such entity to this Privacy Policy.

If you do not agree with this Privacy Policy, you must discontinue using the Platform immediately.

3. Information We Collect

We collect information required to provide business payment services and comply with applicable regulatory requirements.

Business Information

We may collect:

• Business Name
• Business Registration Details
• PAN
• GSTIN (where applicable)
• CIN, LLPIN, or other registration numbers
• Business Address
• Nature of Business
• Merchant Category

Authorized Representative Information

We may collect:

• Full Name
• Mobile Number
• Email Address
• Government-issued Identity Documents
• PAN
• Aadhaar (where permitted by law)
• Designation
• Photograph (where required)

Financial Information

• Business Bank Account Details
• Settlement Account Information
• UPI IDs
• Payment Transaction History
• Invoice Information
• Payment Gateway Data

Technical Information

• Device Information
• Browser Information
• IP Address
• Login Activity
• API Usage Logs
• Cookies
• Operating System
• App Analytics

4. Third-Party Information and Permissions

To provide payment processing and business services, SWID Business may, with your consent or where legally permitted:

• Verify business information through KYC/KYB partners.
• Verify bank accounts.
• Validate PAN and GST details.
• Process payments through authorized banking and payment partners.
• Share required information with payment gateways and financial institutions for transaction processing.

We do not access personal SMS, personal emails, contacts, or call logs unless specifically required for a service and with your explicit consent.

5. Purpose of Information Collection

Your information may be used to:

• Create and manage merchant accounts.
• Verify business identity.
• Process payments and settlements.
• Prevent fraud and financial crimes.
• Perform KYC/KYB verification.
• Provide customer support.
• Improve Platform performance.
• Generate reports and analytics.
• Send important service notifications.
• Comply with legal and regulatory obligations.

6. Sharing of Information

We may share information with:

• Banking Partners
• Payment Gateways
• Financial Institutions
• KYC/KYB Verification Agencies
• Government and Regulatory Authorities
• Technology Service Providers
• Cloud Infrastructure Providers
• Fraud Detection Partners
• Auditors and Legal Advisors

Information may also be disclosed:

• To comply with court orders or legal requirements.
• During mergers, acquisitions, or corporate restructuring.
• To protect the rights, safety, and security of SWID Business, merchants, customers, or third parties.

SWID Business does not sell personal or business information to third parties.

7. Data Security

We implement appropriate administrative, technical, and organizational safeguards to protect your information. Security measures include:

• Data Encryption
• Secure HTTPS Communication
• Access Controls
• Authentication and Authorization
• Audit Logs
• Firewall Protection
• Regular Security Monitoring

Where applicable, SWID Business follows industry security standards such as PCI DSS and maintains appropriate security practices.

8. Cookies and Tracking Technologies

The Platform uses cookies and similar technologies to:

• Maintain secure sessions.
• Remember user preferences.
• Improve platform functionality.
• Measure performance.
• Analyze usage patterns.

You may disable cookies through your browser settings, although certain features may become unavailable.

9. Data Retention

We retain information only for as long as necessary to:

• Provide Services.
• Complete settlements.
• Meet contractual obligations.
• Comply with applicable laws.
• Prevent fraud.
• Resolve disputes.
• Maintain financial and audit records.

Information may be retained even after account closure where required by applicable law.

10. Account Closure

Merchants may request account closure by contacting SWID Business Support.

Following closure, certain records may continue to be retained for regulatory, legal, accounting, fraud prevention, taxation, and audit purposes.

11. Third-Party Services

The Platform may integrate with third-party services including payment gateways, banking partners, ERP systems, accounting software, and APIs.

SWID Business is not responsible for the privacy practices or content of third-party platforms. Users should review their respective privacy policies before sharing information.

12. Policy Updates

SWID Business reserves the right to modify or update this Privacy Policy at any time.

Material changes will be communicated through the Platform or other appropriate channels. Continued use of the Platform after updates constitutes acceptance of the revised Privacy Policy.

13. Compliance

SWID Business complies with applicable Indian laws, including:

• Information Technology Act, 2000
• Digital Personal Data Protection Act, 2023
• RBI guidelines (where applicable)
• Prevention of Money Laundering Act (PMLA), where applicable
• Other applicable financial and data protection regulations

14. Grievance Redressal

For questions, complaints, or privacy concerns, contact:

SWID Business Support

Email: Business@swid.one

Grievance Officer

Name: LALIT KUMAR

Address:
Pixller Technologies Private Limited,
Flat No. 401, 4th Floor, Lingama Nilayam,
Plot No. 31/A,
Ganesh Nagar,
Peerzadiguda,
Hyderabad – 500039,
Telangana, India.

Working Hours:
Monday to Saturday
9:00 AM – 6:00 PM (IST)

Email: grievance@swid.one

We aim to acknowledge and address grievances within the timelines prescribed under applicable law. For the full escalation matrix and timelines, see our Grievance Redressal Policy.

15. Governing Law and Jurisdiction

This Privacy Policy shall be governed by the laws of India.

Any disputes arising from this Privacy Policy shall be subject to the exclusive jurisdiction of the competent courts located in Hyderabad, Telangana.