Purpose and scope
SwiftLync uses risk-based controls intended to reduce fraud, money laundering, terrorist financing, sanctions evasion, identity misuse, and other unlawful activity. The controls apply to customers, linked accounts, deposits, withdrawals, transfers, conversions, QR payments, and related support or administrative activity.
The policy is informed by applicable requirements and recognised financial-crime risk practices, including, where relevant, Ghana's Anti-Money Laundering Act, 2020 (Act 1044), Nigeria's Money Laundering (Prevention and Prohibition) Act, 2022, and related data-protection obligations.
This policy describes SwiftLync platform controls. It is not a statement that Chisco Enterprise is a bank, deposit-taking institution, money-transfer operator, or holder of a regulatory licence unless verified licence details are separately published.
Customer identity verification
Customers must provide accurate, complete, and current information. Verification may use automated matching, manual review, payment-provider checks, or a combination of methods.
Information requested
Name, phone number, email, country, identity-document type and number, document images, selfie, date or place information where needed, and other evidence appropriate to the risk.
Matching and validation
Submitted details may be compared with profile details, document evidence, linked payment accounts, provider results, and information reasonably available for verification.
Enhanced checks
Additional information may be requested for higher-risk activity, unusual patterns, large transactions, inconsistent information, politically exposed persons, sanctions concerns, or source-of-funds questions.
Ongoing verification
SwiftLync may ask a customer to update or repeat verification when documents expire, account information changes, risk increases, or a provider requires refreshed information.
Approval is not guaranteed merely because documents were submitted. Access may remain restricted until checks are completed and matching information is considered satisfactory.
Transaction monitoring and limits
- Transaction limits: minimums, maximums, daily limits, new-account controls, and feature-specific limits may apply.
- Pattern review: rapid actions, repeated failures, unusual destinations, linked-account changes, structuring, account takeover indicators, and activity inconsistent with known information may be reviewed.
- Provider signals: Flutterwave, banks, mobile-money operators, identity services, and other providers may return compliance, fraud, sanctions, or payout restrictions.
- Source of funds or purpose: customers may be asked to explain a transaction, relationship, occupation, business activity, source of funds, source of wealth, recipient, or supporting documents.
Monitoring rules and thresholds are confidential and may change. Publishing exact detection thresholds could make it easier to bypass the controls.
Prohibited activity
SwiftLync must not be used to:
- launder criminal proceeds, finance terrorism, evade sanctions, or conceal beneficial ownership;
- use false, altered, stolen, borrowed, or misleading identity or payment information;
- split transactions to evade limits, monitoring, reporting, or verification;
- receive or send value for unlawful goods, scams, fraud, extortion, trafficking, corruption, or other illegal activity;
- operate another person's account, sell account access, or act as an undisclosed intermediary;
- attempt to bypass security controls, provider restrictions, linked-account rules, or a compliance review.
Reviews, holds, restrictions, and reports
Where activity requires review, SwiftLync may delay a transaction, keep a payout pending, request information, restrict a feature, prevent withdrawal-account changes, reject a transaction, suspend an account, or close access where permitted by law and the Terms and Conditions.
SwiftLync may share information or make a report to a payment provider, bank, mobile-money operator, law-enforcement body, court, regulator, financial-intelligence authority, or other competent authority where required or permitted by applicable law.
SwiftLync may be legally restricted from telling a customer whether a suspicious-activity report, authority request, or related investigation exists. A delayed or restricted transaction does not by itself mean wrongdoing has been established.
Records, data protection, and service providers
KYC evidence, transaction records, linked-account details, monitoring results, communications, provider events, and review decisions may be retained for the period required by applicable law, provider obligations, dispute handling, fraud prevention, or legal claims.
Information may be processed by Chisco Enterprise and relevant providers in accordance with the Privacy Policy. Access should be limited to people and providers who need the information for verification, transaction processing, security, compliance, support, or legal obligations.
Customer responsibilities, questions, and appeals
Customers must keep profile and linked-account information accurate, respond honestly to reasonable information requests, and promptly report suspected unauthorised access or identity misuse.
Questions or requests to review a verification decision can be sent to swiftlync@gmail.com. Include the account email and relevant reference, but never send a password, PIN, or one-time code. SwiftLync may not be able to disclose confidential monitoring rules, provider restrictions, or legally protected reports.
This policy may be updated to reflect new risks, services, providers, or legal requirements. Continued use after an update is subject to the current published policy and Terms and Conditions.