How we collect, process, store, and protect your personal information.
Welcome to SwiftLoan, a digital lending platform dedicated to providing convenient and accessible micro-loan services to individuals in Zambia.
This Privacy Policy explains how SwiftLoan collects, processes, stores, and protects your personal information when you download, register, access, or use our mobile application and related services.
SwiftLoan respects your privacy and is committed to protecting your personal information in accordance with the Data Protection Act No. 4 of 2021 of the Laws of Zambia and applicable data protection requirements.
To provide accurate credit assessment, prevent financial fraud, and deliver reliable loan services, SwiftLoan may collect and process certain information from you. We apply strict security controls and industry-standard protection measures to ensure your personal data remains confidential and secure.
To provide lending services and improve risk assessment accuracy, SwiftLoan may collect the following categories of information:
With your permission, SwiftLoan may collect limited SMS information related to financial activities. The information collected may include:
SwiftLoan only analyzes financial-related SMS information necessary for credit evaluation and risk management purposes. We do not collect or process personal conversations, private messages, or unrelated SMS content.
This information helps us understand your financial behavior, evaluate repayment capability, detect abnormal transactions, and reduce potential fraud risks.
All collected SMS-related data is protected through encryption during transmission and storage. SwiftLoan does not sell, rent, or share your SMS information with unauthorized third parties.
When applying for a loan through SwiftLoan, we may collect information necessary to verify your identity and process your application, including:
This information allows SwiftLoan to verify your identity, complete customer onboarding procedures, assess your credit eligibility, determine suitable loan products, and process loan approval and repayment services.
Your personal information is securely stored and processed only for legitimate business purposes related to providing financial services.
To protect your account security and prevent unauthorized activities, SwiftLoan may collect technical information about your device, including:
Device information helps us confirm account ownership, detect suspicious access attempts, prevent fraudulent activities, and maintain application security. Collected device information is encrypted and securely transmitted to SwiftLoan's protected systems.
For security and fraud prevention purposes, SwiftLoan may collect limited information regarding applications installed on your device. This information may include:
The purpose of collecting this information is only to identify potentially risky device environments, prevent malicious activities, improve account security, and support responsible lending decisions.
SwiftLoan does not access personal content stored within your installed applications and does not share this information with unauthorized organizations.
SwiftLoan may collect approximate location information from your device when permission is granted. Location information is used for account security verification, fraud prevention, detecting unusual login activities, and improving service reliability.
SwiftLoan only collects location data necessary for security and operational purposes and does not continuously track your precise movements.
During the loan application process, you may choose to provide emergency contact details. SwiftLoan only accesses contacts that you manually select and authorize. We do not automatically upload your entire contact list.
Emergency contact information may be used for identity verification, account security, and emergency communication regarding your loan service when necessary.
Your selected contact information is securely protected and will not be disclosed except where legally required.
SwiftLoan processes your information only for specific and legitimate purposes related to providing financial services and maintaining a secure lending environment.
SwiftLoan uses personal information to verify customer identity and comply with applicable regulatory requirements, including:
SwiftLoan analyzes relevant information to evaluate your loan application, including creditworthiness, repayment ability, financial behavior, existing financial obligations, and risk indicators. This allows us to provide appropriate loan services and make responsible lending decisions.
We use collected information to identify and prevent identity theft, unauthorized account access, suspicious transactions, fraudulent applications, and abuse of lending services. These measures help protect both SwiftLoan users and the integrity of our platform.
Your information may be used to review and approve loan applications, transfer approved loan amounts to your selected Mobile Money or bank account, manage repayment schedules, provide account notifications, and offer customer support related to your loan services.
SwiftLoan may contact you regarding loan application updates, repayment reminders, account notifications, service-related announcements, and customer support requests. We only use communication channels necessary to provide and maintain our services.
SwiftLoan places great importance on protecting your personal information. We implement appropriate technical and organizational security measures, including:
All information transferred between your device and SwiftLoan systems is protected through secure communication protocols.
Access to personal information is limited to authorized personnel who require such information to perform legitimate business functions. These individuals are required to maintain confidentiality and comply with data protection obligations.
SwiftLoan does not sell, rent, exchange, or commercially distribute your personal information. Your information will only be disclosed in limited circumstances:
SwiftLoan may disclose information when required by applicable laws and regulations, court orders, government authorities, or law enforcement agencies with proper legal authority.
Where required by applicable regulations, SwiftLoan may provide relevant information to authorized credit reference agencies or regulatory institutions for purposes including credit reporting, financial risk management, and regulatory compliance.
SwiftLoan may work with trusted service providers who assist with technology infrastructure, data security, payment processing, and customer service operations. Such providers are only permitted to process information according to SwiftLoan's instructions and are required to maintain appropriate confidentiality and security standards.
SwiftLoan retains your personal information only for as long as necessary to provide lending services, maintain account records, complete financial transactions, and meet legal and regulatory obligations.
When your information is no longer required, SwiftLoan will securely delete or anonymize applicable data in accordance with relevant legal requirements.
Before collecting information that requires permission, SwiftLoan will request your authorization through appropriate permission mechanisms.
You may choose whether to provide certain permissions. However, refusing necessary permissions may affect our ability to:
SwiftLoan only collects information required for legitimate lending and security purposes.
SwiftLoan may update this Privacy Policy from time to time to reflect changes in our services, improvements to privacy practices, and updates to applicable laws and regulations.
When significant changes occur, we will update the effective date displayed in this policy. We encourage users to review this Privacy Policy periodically to understand how SwiftLoan protects personal information.
If you have questions, concerns, or requests regarding this Privacy Policy, personal information processing, or data protection matters, please contact our support team:
We are committed to responding to privacy-related inquiries and assisting users with their data protection requests.
✉ xxx@help.com