Privacy Policy

Privacy Policy

Effective September 21, 2026

Version 2026-09-21.1

This Privacy Policy explains how Swaption, LLC ("Swaption," "we," "us," or "our") collects, uses, discloses, retains, and protects information when you use Swaption websites, mobile applications, marketplace features, account tools, listings, offers, swaps, purchases, shipping, messaging, verification, and related services that link to this Policy (together, "Swaption").

Swaption is a community marketplace. To operate it safely, we collect information from account holders, visitors, buyers, sellers, swappers, message participants, people who receive invitations or emergency-contact requests, and people who interact with our support, safety, payment, identity, shipping, messaging, and location features.

If you do not want us to collect or use information required for a feature, do not use that feature. Some information is required to create an account, post listings, make offers, buy, sell, swap, verify identity, receive messages, use SwapZones, print labels, or comply with law.

1. Information We Collect

Account and profile information. We collect information you provide when creating or maintaining an account, including username, display name, first and last name, email address, password or authentication credential, date of birth or age confirmation, profile photo, account settings, notification preferences, saved addresses, mobile phone number if you add one, and legal-consent records such as Terms of Use, Privacy Policy, age, SMS, emergency-contact, and identity-verification consents.

Login and authentication information. If you sign in with email and password, we process your email address, password credential, authentication session, security logs, and password-reset activity. If you sign in with Google or Apple, those providers may share account identifiers and profile information you authorize, such as name, email address, profile image, and provider ID. We use that information to create or access your Swaption account, prevent fraud, and keep your session secure. Google and Apple process your information under their own privacy policies.

Identity, age, and trust information. When you use identity verification, SwapShield, seller verification, payment onboarding, fraud prevention, or other safety checks, we may collect verification status, timestamps, consent records, risk signals, and limited metadata. Government ID images, selfie images, biometric checks, and identity-document review may be processed by Stripe Identity or another verification provider on our behalf. Swaption receives the verification result and limited metadata needed to operate the marketplace, prevent fraud, respond to disputes, and keep compliance records. We do not use biometric information for advertising.

Payment, tax, payout, and transaction information. When you buy, sell, swap, purchase a label, pay for a boost, pay for verification, receive a payout, or otherwise transact on Swaption, we collect and process order details, item title and image snapshots, purchase price, fees, taxes, payment status, payout status, refund status, checkout status, billing and shipping details, Stripe customer and payment identifiers, Stripe Connect account information where applicable, receipts, dispute information, tax calculation details, and records required for accounting, tax, fraud prevention, and legal compliance. Payment card and bank-account details are processed by Stripe; Swaption does not store full card numbers or bank-account numbers.

Listing information. Listings may include photos, videos or other images, titles, descriptions, categories, condition, size, brand, quantity, price or estimated value, trade preferences, pickup or shipping choices, parcel dimensions and weight, tags, safety-review results, AI-generated suggestions you accept or edit, moderation decisions, appeal notes, and administrative approval records. Public listings are visible to other users and visitors. Listing images and descriptions may be reviewed by automated tools and by Swaption staff to detect prohibited items, fraud, unsafe content, or policy violations.

Offers, swaps, and purchase information. We collect offer amounts, counteroffers, trade items, accepted or declined offers, swap status, payment status, SwapLock status, cancellation or expiration status, meetup or shipping choices, receipt confirmation, ratings, public review comments, optional private feedback submitted to Swaption admin, and internal operational metrics used to improve marketplace safety and quality.

Messages and communications. We collect messages sent through listings, offers, orders, swaps, support, reports, appeals, emergency-contact flows, and administrative tools. Messages may include text, timestamps, participants, read status, typing or delivery status, attachments where supported, and safety-review signals. Message participants can see messages in their conversation. Swaption staff may review messages when needed for support, moderation, fraud prevention, dispute resolution, legal compliance, or safety.

Mobile phone, SMS, and notification information. If you add a mobile number or opt in to text messages, we collect your number, consent language and version, consent source, date and time of consent, selected messaging program, opt-out status, delivery status, and related support records. Swaption sends only the messages you requested or that are necessary for account, verification, transaction, order, sale, swap, shipping-label, safety, or emergency-contact activity. We do not sell or share mobile numbers or SMS opt-in consent for marketing. Reply STOP to opt out and HELP for help. Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

Location and address information. Swaption uses location information to support local marketplace features, seller location displays, distance estimates, local pickup, police-station SwapZone suggestions, shipping rates, tax calculations, fraud prevention, and safety. Location information may include saved addresses, shipping addresses, billing addresses, city and state, ZIP code, approximate location inferred from IP address, location search terms, selected SwapZones, and precise device location if you grant permission. If you allow device location, your browser or mobile operating system may share GPS, Wi-Fi, Bluetooth, or network-based location. You can turn off device-location permission in your browser or device settings, but some features may not work or may require manual address entry.

SwapZone and meetup information. When a transaction uses local pickup or a SwapZone, we collect the selected station or public meetup location, address, distance, directions link activity, buyer alternate suggestions, seller responses, meetup status, and related transaction records. SwapZone information is used to arrange safe handovers, resolve disputes, and document marketplace activity.

Shipping, labels, and tracking information. For shipped orders, we collect recipient and sender names, addresses including apartment or suite details, package dimensions, package weight, selected carrier, shipping rates, label purchase details, tracking numbers, carrier status updates, delivery events, label-print status, and shipping exceptions. Shipping carriers and label providers process this information to quote rates, issue labels, move packages, update tracking, and resolve delivery issues.

Device, browser, app, and usage information. We collect information about how Swaption is accessed and used, including IP address, device type, operating system, browser type, app version, pages viewed, searches, clicks, favorites, watchers, listing views, referral information, crash logs, performance data, approximate location from IP address, authentication events, security events, cookies, local storage, and similar technologies. We use this information to operate Swaption, remember settings, secure accounts, prevent abuse, measure performance, improve features, and understand marketplace activity.

Photos, camera, gallery, and file uploads. If you use photo, camera, gallery, document, or file-upload features, we collect the files you choose to upload and related metadata needed to store, display, scan, moderate, and process them. Camera and gallery permissions are controlled by your browser or device. Swaption only receives photos or files you select or submit through the service.

Contacts and emergency-contact information. If you provide an emergency contact or invite another person into an account safety flow, we collect the contact details you provide, consent status, opt-in or opt-out records, related messages, and timestamps. Emergency contacts are used only for the safety or account purpose presented at collection.

Support, reports, appeals, and admin records. We collect information you send to support, reports about listings or users, appeal requests, admin notes, moderation decisions, suspension records, dispute evidence, identity-review status, payment-support notes, and communication history needed to answer requests, protect users, enforce rules, and comply with law.

Cookies, analytics, and similar technologies. We use cookies, local storage, pixels, software development kits, and analytics tools to keep you signed in, remember preferences, measure traffic and usage, prevent fraud, diagnose errors, and improve Swaption. Some cookies are necessary. Others may be optional where required by law or settings. See our Cookie Policy and privacy choices page for more information.

2. How We Use Information

We use information to create and manage accounts, authenticate users, provide sign-in with Google, Apple, email, and other supported methods, operate listings, offers, swaps, purchases, pickup, shipping, labels, tracking, taxes, payouts, identity verification, ratings, reviews, messages, notifications, support, dispute resolution, and administrative tools.

We use information to personalize and improve Swaption, including showing relevant listings, remembering settings, improving listing creation, detecting duplicate or prohibited content, supporting AI-assisted listing suggestions, calculating distances, displaying SwapZone options, improving search, maintaining marketplace quality, and developing new features.

We use information to protect Swaption and our users, including detecting fraud, scams, spam, unsafe listings, prohibited items, suspicious payments, account takeover, policy violations, abuse, security incidents, and illegal activity. We may use automated systems and human review for these purposes.

We use information to communicate with you, including account notices, verification codes, order updates, sale updates, swap updates, shipping-label updates, support replies, emergency-contact messages, legal notices, policy updates, and optional communications you choose to receive.

We use information to comply with law, enforce our Terms of Use, calculate taxes, maintain accounting records, respond to lawful requests, preserve evidence, resolve disputes, protect rights and safety, and perform other purposes disclosed at the time of collection.

3. How We Disclose Information

Other Swaption users and visitors. Public profile information, public listings, listing photos, listing descriptions, location shown on a listing, public reviews, ratings, and other content you choose to post may be visible to other users and visitors. Buyers and sellers in a transaction may see information needed to complete that transaction, including names, messages, selected pickup location, shipping information, tracking information, order status, and dispute or receipt status as applicable.

Service providers. We disclose information to companies that help us operate Swaption, including hosting, database, authentication, analytics, error monitoring, email, SMS, identity verification, payment processing, tax calculation, payout processing, shipping labels, carrier tracking, fraud prevention, customer support, file storage, security, and administrative-service providers. They may process information only for the services they provide to Swaption, unless their own relationship with you or their legal duties permit otherwise.

Stripe. We use Stripe for payment processing, tax calculations, identity verification, connected-account onboarding, fraud prevention, payouts, refunds, receipts, and related financial services. Stripe may receive information such as name, email, phone number, billing and shipping address, payment method details, transaction amounts, tax details, identity-verification information, government ID and selfie information where applicable, device and fraud signals, and payout information. Stripe processes information under its own privacy policy when acting as an independent provider and under our instructions when acting as our service provider.

Google and Apple. If you choose Google or Apple sign-in, those providers process your authentication request and may share account information with Swaption according to your settings and their privacy policies. Swaption does not control Google or Apple privacy practices.

Messaging, email, and carriers. We disclose phone numbers, message content, opt-in and opt-out status, delivery status, and related identifiers to messaging providers and carriers as needed to send verification codes, account notifications, transaction updates, shipping updates, emergency-contact messages, and required service communications. We do not sell or share mobile numbers or SMS opt-in data for marketing or promotional purposes.

Shipping providers and carriers. We disclose shipping names, addresses, package details, label details, tracking numbers, and delivery information to shipping-label providers and carriers so labels can be quoted, purchased, printed, tracked, and delivered.

Law, safety, and rights. We may disclose information to comply with law, subpoena, court order, lawful government request, tax or accounting obligation, payment-network rule, carrier requirement, or legal process; to enforce our Terms; to investigate fraud, safety issues, or prohibited conduct; to protect Swaption, users, and the public; or to establish, exercise, or defend legal claims.

Business transfers. If Swaption is involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar transaction, information may be transferred as part of that transaction, subject to appropriate protections required by law.

Aggregated or de-identified information. We may disclose information that has been aggregated or de-identified so it cannot reasonably identify you, including marketplace trends, safety trends, transaction statistics, and service-performance information.

4. Location Disclosures

Swaption uses location and address information only for marketplace, safety, transaction, tax, shipping, fraud-prevention, and user-requested location features. We may show an approximate listing location, city, state, distance, or selected SwapZone to other users so they can evaluate a swap, sale, or pickup.

Precise device location is collected only if you grant permission through your browser or mobile device. You can deny or withdraw permission at any time in your device or browser settings. If permission is disabled, Swaption may still use addresses you enter, selected SwapZones, ZIP codes, or approximate IP-based location to provide core marketplace features.

Saved addresses, shipping addresses, billing addresses, and default addresses may be used to calculate distance, show local listings, recommend nearby police-station SwapZones, calculate taxes for pickup or shipped transactions, quote shipping, prevent fraud, and complete transactions. Address details are disclosed only where needed for the feature, such as to the other party, carrier, payment provider, tax provider, or support staff.

5. Listing and Public Content Disclosures

Listings are designed to be shared. When you create a listing, the title, description, photos, price or estimated value, category, condition, trade preference, approximate location, seller profile information, availability, status, watchers, favorites, and other listing details may be public or visible to other users.

Do not include private information in a listing, photo, public profile, public review, or public comment unless you want others to see it. We may remove, restrict, or review content that appears unsafe, prohibited, fraudulent, infringing, or inconsistent with Swaption rules.

If a listing is deleted or removed, we may retain snapshots and records needed for completed transactions, My Sales, My Purchases, receipts, support, disputes, legal compliance, fraud prevention, moderation history, and accounting. Public display may stop, but transaction records may remain.

6. Transaction Disclosures

Buyers and sellers receive information needed to complete, document, and support transactions. This may include item title and image, order number, transaction status, payment status, shipping or pickup method, selected SwapZone or address details where needed, tracking number, carrier events, receipt confirmation, cancellation or refund status, dispute status, ratings, and related messages.

For shipped transactions, recipient address information is used to buy labels, calculate rates and taxes, generate tracking, deliver packages, and resolve carrier issues. For pickup or in-person transactions, buyer default address or other required location information may be used to calculate tax and recommend safe nearby SwapZones, but only the information needed for the transaction is shown to the other party.

Reviews and ratings that are marked public may appear on profile pages or other Swaption surfaces. Optional private feedback submitted during rating flows is for Swaption admin review and internal records, and is not displayed publicly.

7. SMS and Mobile Messaging Disclosures

Swaption Verification Codes are one-time codes sent only when you start a sign-in or account-verification flow. Swaption Account Notifications are transactional updates about orders, sales, swaps, shipping labels, tracking, account security, safety, and related activity. Emergency-contact messages are sent only through the emergency-contact flow.

You opt in only through an active consent step shown by Swaption. Consent is not a condition of purchase or of using Swaption. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to cancel at any time. We honor opt-outs immediately when technically available from the messaging provider.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties except providers and carriers needed to deliver, support, or document the messaging program.

8. Children and Age Limits

Swaption is not directed to children. You must be at least 18 years old and legally able to enter into binding agreements to create an account. We do not knowingly collect personal information from anyone under 18. If you believe a minor has created an account or provided information, contact admin@swaptions.net and we will take appropriate action.

9. How We Protect Information

We use administrative, technical, and physical safeguards designed to protect information, including access controls, authentication, encryption where appropriate, logging, monitoring, limited administrative access, and security review. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

You are responsible for keeping your account credentials secure, using a strong password, enabling available security settings, and telling us promptly if you believe your account has been accessed without permission.

10. Retention

We retain information for as long as needed to provide Swaption, maintain accounts, complete transactions, support buyers and sellers, resolve disputes, prevent fraud, enforce rules, comply with law, maintain tax and accounting records, preserve security logs, and operate legal, safety, and administrative systems.

Account and profile information is generally retained while your account is active. Transaction, payment, tax, payout, shipping, label, dispute, and accounting records may be retained for up to 7 years or longer if required by law, active disputes, fraud prevention, legal claims, or compliance obligations. Messages, reports, support records, safety records, and moderation records may be retained as needed for marketplace safety, dispute resolution, legal compliance, and fraud prevention. Consent records are retained for the life of the account plus 4 years unless a longer period is required.

When information is no longer needed, we delete, de-identify, or restrict it according to our retention practices and legal obligations.

11. Your Choices and Controls

Account settings. You can update many account, profile, address, phone, notification, and security settings from your account. Some changes may require verification.

Location settings. You can control device-location access through your browser or mobile-device settings. You may also edit or delete saved addresses where available, subject to retention needs for completed transactions.

Messaging choices. You can manage notification preferences in your account where available. You can opt out of SMS by replying STOP or by changing available account settings. Service, safety, legal, transaction, and account-security messages may still be sent when necessary or required.

Cookies and privacy choices. You can manage cookies through your browser and any Swaption privacy-choice tools we provide. We honor legally required opt-out signals where applicable, including Global Privacy Control where required by law.

Access, correction, deletion, and portability. Depending on where you live, you may request access to your information, correction, deletion, portability, restriction, or appeal of a denied request. Email admin@swaptions.net or use any privacy-choice page we provide. We may need to verify your identity before completing a request.

Account deletion. You may request account deletion through account settings or by contacting us. We may retain information needed for completed transactions, fraud prevention, safety, tax, accounting, legal compliance, disputes, enforcement, security, and legitimate business purposes.

12. US State Privacy Rights

Depending on your state, including California and other US states with privacy laws, you may have rights to know, access, correct, delete, obtain a copy of, opt out of certain targeted advertising or sale/sharing, limit use of sensitive information where applicable, and appeal a decision. Swaption does not sell personal information for money. If optional advertising or analytics cookies are used, some laws may treat those activities as sale, sharing, or targeted advertising. You can use our privacy-choice tools or contact admin@swaptions.net to exercise rights.

We will not discriminate against you for exercising privacy rights. Authorized agents may submit requests where permitted by law, but we may require proof of authorization and identity verification.

13. International Users

Swaption is operated from the United States. If you use Swaption from outside the United States, your information may be processed in the United States and other countries where our providers operate. Those countries may have privacy laws different from your location.

14. Third-Party Links and Services

Swaption may link to third-party websites, maps, payment pages, identity flows, shipping pages, social platforms, app stores, or other services. Their privacy practices are governed by their own policies, not this Privacy Policy. Review their policies before providing information to them.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the effective date and may provide notice through Swaption, email, in-app messages, or another legally appropriate method. Your continued use of Swaption after an update means the updated Policy applies as allowed by law.

16. Contact Us

Privacy contact: admin@swaptions.net

Support contact: support@swaptions.net

Mailing address: Swaption, LLC, c/o Tullo Law Firm, 100 Ashley Dr S, Suite 600, Tampa, FL 33602, United States

If you have questions about privacy, safety, account data, SMS consent, location use, identity verification, payments, listings, transactions, or your rights, contact us at admin@swaptions.net.