PRIVACY POLICY

How we collect, use, and protect your personal information when you use Swad's services.

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TERMS OF USE

The terms governing your use of the Swad application and related services.

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TERMS & CONDITIONS

General terms and conditions applicable to all Swad services, including payments and invoicing.

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REGISTRATIONS & LICENSES

Swad Labs, Inc.

1007 N Orange Street, Wilmington, Delaware, 19801, United States

NEED HELP?

If you have any questions about our legal documents or policies, feel free to reach out.

contact@swad.money

Disclaimer

  1. Swad Labs Inc. is a financial technology company, not a bank. Swad does not hold a money transmission license. All regulated payment activities including USD collection, stablecoin conversion, and cross-border transfers are performed by licensed partners. US virtual accounts are provided through licensed banking partners.
  2. USDC held in your Swad account is a digital asset, not a bank deposit. USDC balances are not insured by the FDIC, SIPC, or any government agency, and are not guaranteed by any bank. USDC is issued by Circle Internet Financial, LLC and is designed to maintain a 1:1 value with the US dollar, but this value is not guaranteed. Digital assets may fluctuate in value and may result in partial or total loss.
  3. USDC in your Swad account is held in a self-custodial wallet powered by Privy. Swad Labs does not have access to your private keys and cannot move your funds without your authorization. You are solely responsible for maintaining access to your wallet through your registered device and biometric credentials.
  4. INR payouts are facilitated by a licensed provider through a Rupee Drawing Arrangement (RDA) with authorized dealer banks in India, in compliance with RBI regulations. Foreign Inward Remittance Advice (FIRA) is issued by the receiving bank for applicable transactions. Settlement times, conversion rates, and fees may vary.
  5. INR off-ramp services are provided by licensed third-party partners. Conversion rates, fees, and settlement times may vary. Tax Deducted at Source (TDS) may apply on transactions as required by Indian tax law and is passed through to the relevant tax authority.
  6. International SWIFT transfers are subject to compliance review and enhanced due diligence by our banking partners. Approval is not guaranteed. Transfer times may vary by recipient bank and jurisdiction.
  7. Availability of services may vary by jurisdiction and is subject to applicable laws and regulatory approval.
  8. Nothing on this website constitutes investment, legal, tax, or financial advice. Please consult your own professional advisors before making financial decisions.