Privacy Policy

This document is the privacy policy of SwiftCredit, which explains the purpose, protection measures and ways to exercise your rights as the owner of personal data. Please read this document carefully to understand the information we collect about you, how we use it, and under what circumstances we share it with third parties.

The purpose of this policy is to inform users of our commitment to protecting their personal data and our guidelines for using and processing this data to conduct business.

By using this application or related websites, you agree to this privacy policy and freely, explicitly, clearly and knowingly agree to the collection and processing of user information by this application. Similarly, you (the user) declare that you agree to all aspects disclosed in this document and authorize us to process your personal data for the reported purposes.

Permissions we request and data we collect

When you use the SwiftCredit application or use our services, we will collect the following personal information from you with your permission:

1. SMS

Financial SMS information is a necessary information. After obtaining the user's consent, SwiftCredit will only obtain financial SMS data on your device, including SMS-related numbers, SMS content., for management and SMS. These data are used to assess the user's credit risk and financial security, thereby assessing the user's loan qualifications. The collected information is encrypted and transmitted to our server (https://api.swiftcreditcash.com/). We will not share it with any third party without your permission.

2. Installed application information

After your authorization, SwiftCredit will collect data from installed applications (including the name of the application and the time it was installed on your device) to detect whether there are applications that have been classified as dangerous or virus applications to prevent financial losses. SwiftCredit encrypts it and uploads it to our server (https://api.swiftcreditcash.com/). We will not share it with any third party without your permission.

3. Photos or videos

In order to verify your identity and prevent fraud, we will ask you to provide a picture of your ID document and a selfie. The data is encrypted and transmitted to our server: https://api.swiftcreditcash.com/. We will not share it with any third party without your permission.

4. Camera

With your permission, we will collect the camera permissions of your device to take ID photos and selfies to verify your identity and ensure that your loan application is processed faster using SwiftCredit services. Your data will be uploaded and transmitted to our server https://api.swiftcreditcash.com/ for storage and processing through secure encryption. We will not share it with any third party without your permission.

5. Location

With your permission, we will collect your location information from your device to find and verify your actual location information to ensure that you are a Ghanaian user eligible for our loan services, and to ensure that you protect your account and better assess your loan situation. Your data will be uploaded and transmitted to our server https://api.swiftcreditcash.com/ for storage and processing through secure encryption. We will not share it with any third party without your permission.

6. Device Data

With your permission, we will collect your mobile phone information from your device, including device name, phone model, system version, region, language setting, device identification code, device hardware and software, status, resolution, device unique identification. (including IMEI and serial number), operator, SIM serial number, Wi-Fi, Phone Count, Active Modem Count, Active SubscriptionInfo Count, Screen Brightness, Gyroscope, Battery Level, which helps us uniquely identify you and prevent fraud or theft of your account, help enrich your credit file, and provide you with the best loan offers for your profile. In addition, we collect this information to provide you with automatic updates and additional security protection, and to provide us with valuable feedback on your identity as a device owner and his or her behavior. Your data will be uploaded and transmitted to our server https://api.swiftcreditcash.com/, https://jfdi.swiftcreditcash.com/ via secure encryption for storage and processing. We will not share it with any third party without your permission.

7. Storage

We will obtain your storage permissions for reading, writing and managing files, including saving downloaded content, caching data or uploading pictures/videos. Your data will be uploaded and transmitted to our server https://api.swiftcreditcash.com/ via secure encryption. We will not share it with any third party without your permission.

8. Personal information

Name, Ghana card number,Voter card number, date of birth, marital status, gender, monthly income, email, address and education background, emergency contact relationship, contact name, contact number. Your data will be uploaded and transmitted to our server https://api.swiftcreditcash.com/ via secure encryption. We will not share it with any third party without your permission.

Third-party information

During your use of our services, we may collect information about you from third-party agencies, including credit bureaus and other identity verification and fraud prevention services. The information we collect from such third-party sources is subject to the privacy policy agreed upon with such sources and explicitly agreed to by you. The data will never be shared with third parties without your permission. They will only be collected with your consent. The data will be transmitted and uploaded over a secure connection (https). We use this data to create your profile, assess your creditworthiness and prevent loan fraud so that we can provide you with the best service.

We use the following third-party services, which may collect information that can be used to identify you. Links to the privacy policies of third-party service providers used by the application:

Google Play: https://policies.google.com/privacy

Appsflyer: https://www.appsflyer.com/legal/privacy-policy/

Firebase: https://firebase.google.com/support/privacy

Play-Services-Location: https://policies.google.com/privacy

How is the collected information stored and processed?

1. Data upload processing:

The collected data will be encrypted and uploaded to our server (https://api.swiftcreditcash.com/) for encryption, transmission, storage and processing;

2. Data security:

To protect your information security, we actively take various reasonable physical, electronic and management security measures in accordance with industry standards to protect your information from being leaked, damaged or lost, including SSL, data encryption storage, data center access control.

3. Data confidentiality:

We will not disclose any information containing personal data to any third party without your permission, and with your consent, we may provide the third party with the products or services you requested;

Correction or deletion of personal information data

You can choose to view, edit or delete private personal data; in any case, you can contact us through the customer service email at the end of this policy to request to update or delete your personal data;

User rights

About the data we manage and store in files. You have the following rights:

The right to request access to your personal data

The right to request correction of your personal data

The right to delete your personal data.

The right to object to the processing of your personal data and the right to restrict the processing of your personal data in certain circumstances.

The right to unconditionally object to the processing of your personal data for direct marketing purposes.

If the processing of your personal information is based on your consent, you have the right to withdraw your consent at any time. Your withdrawal will not affect the lawfulness of the processing carried out before your withdrawal of consent. You can withdraw your consent in your profile, on our website or by contacting us by email.

We may update this Privacy Policy without prior notice. This Privacy Policy is effective from the date of publication and applies to all users. We encourage you to review this Privacy Policy regularly to obtain the latest Privacy Policy. If you continue to use our applications or services, you will be deemed to have received our latest Privacy Policy.

Customer Service Email: help@swiftcreditcash.com