Legal & Policies
Last updated: 5 June 2026 · Siraad is registered in Sweden
Terms of Service
Privacy Policy
Complaints
Refunds
About Siraad
Siraad is a digital payment platform registered in Sweden as an enskild firma. We provide digital wallet services and person-to-person money transfers for the Somali diaspora in Sweden and Europe.
1. Eligibility
To use Siraad you must:
- Be at least 18 years old
- Reside in Sweden or another EU/EEA country
- Provide valid identity verification (KYC)
- Have a valid email address and phone number
- Act on your own behalf — not for third parties
2. Account Registration & Security
You may only register one Siraad account. You are responsible for keeping your PIN and password confidential. If you suspect unauthorized access, contact us immediately at hello@siraad.app.
You must ensure all information provided at registration is accurate, complete and current. Notify us immediately of any changes.
3. Identity Verification (KYC)
We are required by law to verify your identity before you can use our services. You agree to provide:
- Valid government-issued photo ID (passport or national ID)
- Proof of address
- Source of funds information when required
Your account may be suspended if your identity document expires and you do not provide a new valid document.
We screen all users against applicable PEP (Politically Exposed Person) and sanctions lists as required by Swedish and EU anti-money laundering law.
4. Services
4.1 Available Now
- Siraad Wallet — Store USD in your digital wallet
- Siraad → Siraad transfers — Free and instant between Siraad users
- Merchant payments — Pay participating merchants
- Exchange rates — Live SOS/USD rates
4.2 Coming Soon
- Bank transfers (EVC Plus, Zaad, Salaam Bank, Premier Bank)
- Card top-up via Stripe
- International remittance
5. Fees
| Service | Fee |
|---|
| Siraad → Siraad transfer | FREE |
| Wallet top-up | 0.3% |
| Bank/wallet transfer | 0.5% (max) |
| KYC verification | FREE |
| Account registration | FREE |
All fees are shown clearly before you confirm any transaction. There are no hidden fees.
6. Prohibited Activities
You must not use Siraad for:
- Money laundering, terrorism financing or fraud
- Transactions involving sanctioned individuals or countries
- Purchasing illegal goods or services
- Sending funds on behalf of third parties without authorization
- Any activity that violates Swedish, EU or Somali law
7. Account Suspension & Termination
We may immediately suspend or close your account without notice if we have reason to believe you have violated these terms, engaged in fraudulent activity, or if required by law or regulatory authority.
You may close your account at any time by contacting us at hello@siraad.app.
We will give two months' written notice for general terminations not related to violations.
8. Limitation of Liability
Siraad is not liable for indirect damages, loss of profit, or damages resulting from third-party failures (banks, telecom providers, payment networks). We are not liable for service unavailability due to maintenance, technical failures beyond our control, or force majeure events.
9. Right of Withdrawal
You have 14 days from account creation to withdraw from this agreement. Note that this does not apply to individual transactions already executed.
10. Governing Law
These terms are governed by Swedish law. Disputes shall be resolved under Swedish jurisdiction. You may also refer disputes to the Swedish National Board for Consumer Disputes (ARN) at arn.se.
11. Changes to Terms
We will notify you at least 2 months in advance of material changes to these terms. Continued use constitutes acceptance.
12. Contact
Your privacy matters. Siraad processes your personal data in accordance with GDPR and Swedish law. We are the data controller responsible for your information.
1. Data We Collect
1.1 Information You Provide
- Full name, email address, phone number
- Date of birth and nationality
- Government-issued ID documents
- Transaction information
- Source of funds (when required)
1.2 Automatically Collected
- IP address, device type, browser
- App usage data and timestamps
- Error reports
2. How We Use Your Data
| Purpose | Legal Basis |
|---|
| Execute transfers and payments | Contract performance |
| Identity verification (KYC/AML) | Legal obligation |
| Fraud prevention | Legitimate interest + legal obligation |
| Customer support | Contract performance |
| Service improvement | Legitimate interest |
| Marketing (optional) | Your consent |
3. Data Retention
| Data Type | Retention Period |
|---|
| KYC and identity documents | 5 years after account closure (AML law) |
| Transaction history | 5+1 years (accounting law) |
| Support tickets | 3 years after resolution |
| App logs | 3 months |
| Marketing consent | Until withdrawn or 2 years inactive |
4. Data Sharing
We share your data only when necessary:
- Payment partners — to complete transactions
- Regulatory authorities — when required by law (e.g. Financial Police, Tax Authority)
- IT providers — under strict data processing agreements
- KYC verification providers — to verify your identity
We never sell your data to third parties.
5. Security
- AES-256 encryption for data at rest
- TLS 1.3 for data in transit
- Role-based access control
- Regular security audits
- 6-digit PIN for all transactions
6. Your Rights (GDPR)
You have the right to:
- Access — request a copy of your data
- Rectification — correct inaccurate data
- Erasure — request deletion (subject to legal retention requirements)
- Restriction — limit processing in certain circumstances
- Portability — receive your data in a portable format
- Objection — object to direct marketing at any time
We respond to all requests within 1 month. Contact us at hello@siraad.app.
You may also lodge a complaint with the Swedish Data Protection Authority (IMY) at imy.se.
7. Cookies
Siraad uses only essential cookies necessary for the app to function. We use Google Analytics for anonymous usage statistics. No advertising or tracking cookies are used.
8. International Transfers
Your data may be processed outside the EEA by service providers. In all such cases we use approved safeguards including Standard Contractual Clauses (SCCs) as required by GDPR.
We take all complaints seriously. If you are not satisfied with our service, we want to hear from you. All complaints are handled free of charge.
How to Submit a Complaint
You can submit a complaint through any of these channels:
What to Include
- Your full name and registered email/phone
- Date of the incident
- Transaction reference number (if applicable)
- Description of the issue
- What outcome you are seeking
Our Response Times
- ✅ Acknowledgement: Within 24 hours
- ✅ Initial response: Within 5 business days
- ✅ Full resolution: Within 15 business days
- ✅ Complex cases: Maximum 35 business days
If we need more time, we will inform you before the 15-day deadline and give you a new expected resolution date.
Complaint Process
1
Submit your complaint
Contact us by email or WhatsApp with full details of your issue.
2
Acknowledgement
We confirm receipt of your complaint within 24 hours.
3
Investigation
We investigate your complaint and gather all relevant information.
4
Resolution
We provide a detailed written response with our findings and any action taken.
5
Escalation (if needed)
If you are not satisfied with our response, you may escalate to an external authority.
If You Are Not Satisfied
If our resolution does not satisfy you, you may contact:
Allmänna reklamationsnämnden (ARN)
Sweden's National Board for Consumer Disputes
arn.se
Kungsholmstorg 5, Box 174, 101 23 Stockholm
Tel: 08-508 860 00
Konsumenternas Bank- och finansbyrå
Free guidance on financial services disputes
konsumenternas.se
Tel: 0200-22 58 00
You may also refer your case to a general court (allmän domstol) at any time. See domstol.se.
Data Protection Complaints
If your complaint relates to how we handle your personal data, you may contact the Swedish Data Protection Authority:
Integritetsskyddsmyndigheten (IMY)
imy.se
Our Refund Commitment
If a transfer fails or is incorrectly executed, you are entitled to a full refund. We process all refunds as quickly as possible — typically within 1–7 business days, and no later than 14 days.
Refund Eligibility
You are entitled to a refund if:
- A transfer was not executed or was executed incorrectly
- A transaction was cancelled before processing
- You were charged incorrectly
- A technical error caused a duplicate charge
- The recipient did not receive the funds within the stated timeframe
Refund Timeframes
| Situation | Refund Time |
|---|
| Failed Siraad → Siraad transfer | Immediate (automatic) |
| Technical error / duplicate charge | 1–3 business days |
| Failed bank/wallet transfer | 3–7 business days |
| Disputed transaction under investigation | Up to 14 business days |
| Complex fraud investigation | Up to 35 business days |
How to Request a Refund
2
Provide your transaction reference
Include the SRD-XXXXXX reference number shown in your transaction history.
3
We investigate
We review the transaction and contact relevant payment partners if needed.
4
Refund issued
Confirmed refunds are credited to your Siraad wallet or original payment method.
Time Limit for Claims
Important: You must report an unauthorized or incorrect transaction within 13 months of the transaction date. After this period, we may not be able to process your claim.
Non-Refundable Situations
- Transfers completed successfully where the sender provided incorrect recipient details
- Transactions where you confirmed and approved the amount and fee
- Claims submitted more than 13 months after the transaction
- Refunds refused by order of a regulatory authority
Right of Withdrawal
You have a 14-day right of withdrawal from the date your account agreement was entered into. This applies to the account agreement itself, not to individual transactions that have already been executed.
To exercise this right, notify us in writing at hello@siraad.app within 14 days of account creation.
Contact for Refunds
Sharciyadda & Qawaaniinta
Cusbooneysiinta ugu dambeysay: 5 Juun 2026 · Siraad waxaa lagu diiwaan galinay Sweden
Shuruudaha Adeegga
Xafidaadda Xogta
Cabashooyinka
Lacag Celinta
Ku saabsan Siraad
Siraad waa goob lacag-raridda dhijitaalka ah oo lagu diiwaan galinay Sweden. Waxaan siinaa adeegyada jeebka dhijitaalka ah iyo u-diridda lacagta u-dhexeeya shakhsiyaadka Somaaliga ku nool Sweden iyo Yurub.
1. Shuruudaha Isticmaalka
Si aad u isticmaasho Siraad, waa inaad:
- Ahaataa ugu yaraan 18 sano jir
- Degantahay Sweden ama waddan EU/EEA kale
- Bixisaa xaqiijinta aqoonsiga (KYC)
- Haysataa email iyo lambarka telefoonka
- Adiga laftigaaga u shaqeyneyso — ma aha dhinacyo kale
2. Adeegyada
Hadda Diyaar ah
- Jeebka Siraad — Keydi USD jeebkaaga dhijitaalka ah
- U-dir Siraad → Siraad — Bilaash ah oo isla markiiba u-dhexeeya isticmaalayaasha Siraad
- Lacag-bixinta Ganacsatada — Ku bixi ganacsatada ka qaybgalaya
Dhawaan Imanaya
- U-dir bangiyadaha (EVC Plus, Zaad, Salaam Bank, Premier Bank)
- Buuxinta jeebka kaarka Stripe
3. Kharashyada
| Adeegga | Kharashka |
|---|
| U-dir Siraad → Siraad | BILAASH |
| Buuxinta Jeebka | 0.3% |
| U-dir Bangiga/Jeebka | 0.5% (ugu badan) |
| Xaqiijinta KYC | BILAASH |
Dhammaan kharashyada waxaa lagu muujiyaa si cad ka hor intaadan xaqiijin wax macaamilad ah. Kharash qarsoodi ma jiro.
4. Xiriirka
Xafidaadadaadu muhiim tahay. Siraad waxay u fulisaa xogta shakhsiga ee GDPR iyo sharciga Sweden. Waxaan nahay masuulka xogta shakhsigaaga.
1. Xogta Aan Uruurinno
- Magaca buuxa, iimaylka, lambarka telefoonka
- Taariikhda dhalashada iyo jinsiyadda
- Dukumiintiga aqoonsiga ee dowladda
- Macluumaadka macaamiladda
2. Xuquuqdaada (GDPR)
- Helitaanka — codso nuqul xogta
- Saxid — saxid xogta khaldan
- Tirtirida — codso tirtirida
- Ka soo horjeedka — ka soo horjeed suuq-geynta toosinta ah
Waxaan ku jawaabaa codsiyada dhammaan gudaha 1 bil. Nala soo xiriir hello@siraad.app.
Waxaan si cidhibta ah u qaadannaa dhammaan cabashooyinka. Haddaadan ka qanacsanayn adeeggeena, waxaan rabaa inaad nala soo xiriirto. Dhammaan cabashooyinka waxaa lagu maamuulaa bilaash.
Sida Aad Cabashada U Gudbiso
Waqtiyada Jawaabta
- ✅ Xaqiijinta: 24 saacadood gudahood
- ✅ Jawaabta bilowga: 5 maalmood shaqo gudahood
- ✅ Xalinta buuxda: 15 maalmood shaqo gudahood
- ✅ Kiisaska adag: Ugu badnaan 35 maalmood shaqo
Ballanqaadkeena Lacag Celinta
Haddii u-dirka fashilmo ama si khaldan loo fuliyay, waxaad xaq u leedahay lacag-celin buuxda. Waxaan u fulinnaa lacag-celinnaanta sida ugu dhakhsaha badan — caadi ahaan 1–7 maalmood shaqo, oo aan ka badnayn 14 maalmood.
Waqtiyada Lacag-Celinta
| Xaaladda | Waqtiga Lacag-Celinta |
|---|
| U-dir Siraad → Siraad oo fashilmay | Isla Markiiba (tooska ah) |
| Khalad farsameed / lacag labo-jeer laga qaatay | 1–3 maalmood shaqo |
| U-dir bangiga/jeebka oo fashilmay | 3–7 maalmood shaqo |
| Macaamilad la murannayo | Ilaa 14 maalmood shaqo |
Xadka Waqtiga Codsiyada
Muhiim: Waa inaad soo sheegto macaamilad aan la ogolaan ama si khaldan loo fulin gudaha 13 bilood taariikhda macaamiladda ka dib.
Juridik & Policyer
Senast uppdaterad: 5 juni 2026 · Siraad är registrerat i Sverige
Allmänna villkor
Integritetspolicy
Klagomål
Återbetalning
Om Siraad
Siraad är en digital betalningsplattform registrerad i Sverige som enskild firma. Vi tillhandahåller digitala plånbokstjänster och person-till-person penningöverföringar för den somaliska diasporan i Sverige och Europa.
1. Krav för att använda tjänsten
För att använda Siraad måste du:
- Vara minst 18 år gammal
- Vara bosatt i Sverige eller ett annat EU/EES-land
- Tillhandahålla giltig identitetsverifiering (KYC)
- Ha en giltig e-postadress och ett telefonnummer
- Agera för egen räkning — inte för tredje parter
2. Kontoregistrering & säkerhet
Du får bara registrera ett Siraad-konto. Du ansvarar för att hålla din PIN-kod och ditt lösenord konfidentiella. Om du misstänker obehörig åtkomst, kontakta oss omedelbart på hello@siraad.app.
3. Identitetsverifiering (KYC)
Vi är skyldiga enligt lag att verifiera din identitet innan du kan använda våra tjänster. Du samtycker till att tillhandahålla:
- Giltigt statligt utfärdat foto-ID (pass eller nationellt ID)
- Adressbevis
- Information om inkomstkällor när det krävs
Vi granskar alla användare mot tillämpliga PEP- och sanktionslistor enligt krav i svensk och EU-lag om penningtvätt.
4. Tjänster
4.1 Tillgängligt nu
- Siraad-plånbok — Lagra USD i din digitala plånbok
- Siraad → Siraad-överföringar — Gratis och omedelbart mellan Siraad-användare
- Handlarbetalningar — Betala deltagande handlare
4.2 Kommer snart
- Banköverföringar (EVC Plus, Zaad, Salaam Bank, Premier Bank)
- Kortpåfyllning via Stripe
5. Avgifter
| Tjänst | Avgift |
|---|
| Siraad → Siraad-överföring | GRATIS |
| Påfyllning av plånbok | 0,3% |
| Bank-/plånboksöverföring | 0,5% (max) |
| KYC-verifiering | GRATIS |
Alla avgifter visas tydligt innan du bekräftar en transaktion. Det finns inga dolda avgifter.
6. Förbjudna aktiviteter
Du får inte använda Siraad för:
- Penningtvätt, finansiering av terrorism eller bedrägeri
- Transaktioner som involverar sanktionerade individer eller länder
- Köp av olagliga varor eller tjänster
- Aktiviteter som strider mot svensk, EU eller somalisk lag
7. Tillämplig lag
Dessa villkor regleras av svensk rätt. Tvister ska lösas under svensk jurisdiktion. Du kan också hänskjuta tvister till Allmänna reklamationsnämnden (ARN) på arn.se.
8. Kontakt
Din integritet är viktig. Siraad behandlar dina personuppgifter i enlighet med GDPR och svensk lag. Vi är personuppgiftsansvarig för din information.
1. Uppgifter vi samlar in
- Fullständigt namn, e-postadress, telefonnummer
- Födelsedatum och nationalitet
- Statligt utfärdade ID-handlingar
- Transaktionsinformation
- Tekniska data: IP-adress, enhetstyp, webbläsare
2. Hur vi använder dina uppgifter
| Syfte | Rättslig grund |
|---|
| Genomföra betalningar | Uppfyllelse av avtal |
| Identitetsverifiering (KYC/AML) | Juridisk skyldighet |
| Bedrägeriförebyggande | Berättigat intresse + juridisk skyldighet |
| Kundtjänst | Uppfyllelse av avtal |
| Marknadsföring (valfritt) | Ditt samtycke |
3. Lagringstider
| Datatyp | Lagringstid |
|---|
| KYC och identitetshandlingar | 5 år efter kontoavslut (penningtvättslagen) |
| Transaktionshistorik | 5+1 år (bokföringslagen) |
| Supportärenden | 3 år efter avslut |
| Apploggar | 3 månader |
4. Dina rättigheter (GDPR)
- Tillgång — begär en kopia av dina uppgifter
- Rättelse — korrigera felaktiga uppgifter
- Radering — begär radering (med förbehåll för lagkrav)
- Invändning — invända mot direktmarknadsföring
- Portabilitet — få dina uppgifter i ett portabelt format
Vi svarar på alla förfrågningar inom 1 månad. Du kan också lämna klagomål till Integritetsskyddsmyndigheten (IMY).
Vi tar alla klagomål på allvar. Om du inte är nöjd med vår tjänst vill vi gärna höra från dig. Alla klagomål hanteras kostnadsfritt.
Så lämnar du ett klagomål
Våra svarstider
- ✅ Bekräftelse: Inom 24 timmar
- ✅ Initialt svar: Inom 5 bankdagar
- ✅ Full lösning: Inom 15 bankdagar
- ✅ Komplexa ärenden: Maximalt 35 bankdagar
Om du fortfarande inte är nöjd
Allmänna reklamationsnämnden (ARN)
arn.se · Tel: 08-508 860 00
Kungsholmstorg 5, Box 174, 101 23 Stockholm
Konsumenternas Bank- och finansbyrå
Kostnadsfri vägledning i bank- och finansfrågor
konsumenternas.se · Tel: 0200-22 58 00
Du kan alltid hänskjuta ditt ärende till en allmän domstol. Se domstol.se.
Vårt återbetalningsåtagande
Om en överföring misslyckas eller utförs felaktigt har du rätt till full återbetalning. Vi behandlar alla återbetalningar så snabbt som möjligt — vanligtvis inom 1–7 bankdagar och senast inom 14 dagar.
Rätt till återbetalning
Du har rätt till återbetalning om:
- En överföring inte genomfördes eller genomfördes felaktigt
- En transaktion avbröts innan bearbetning
- Du debiterades felaktigt
- Ett tekniskt fel orsakade en dubbel debitering
Återbetalningstider
| Situation | Återbetalningstid |
|---|
| Misslyckad Siraad → Siraad-överföring | Omedelbart (automatiskt) |
| Tekniskt fel / dubbel debitering | 1–3 bankdagar |
| Misslyckad bank-/plånboksöverföring | 3–7 bankdagar |
| Tvistig transaktion under utredning | Upp till 14 bankdagar |
| Komplex bedrägeriutredning | Upp till 35 bankdagar |
Tidsgräns för krav
Viktigt: Du måste rapportera en obehörig eller felaktig transaktion inom 13 månader från transaktionsdatumet.
Ångerrätt
Du har en 14-dagars ångerrätt från det datum ditt kontoavtal ingicks. Kontakta oss skriftligen på hello@siraad.app inom 14 dagar från kontoöppning.
