At SwiftLoan, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.
1. Information We Collect
We may collect the following types of information:
- Personal Information: Name, ID number, date of birth, contact details (email, phone, address)
- Financial Information: Income, employment details, bank account information
- Documentation: ID documents, proof of income, proof of address
- Technical Information: IP address, browser type, device information, cookies
- Usage Information: How you interact with our website and services
2. How We Collect Information
We collect information through:
- Information you provide directly when applying for loans or contacting us
- Automated technologies such as cookies and web beacons
- Third-party sources such as credit bureaus and verification services
- Communications between you and our customer service team
3. How We Use Your Information
We use your information for the following purposes:
- Processing and evaluating loan applications
- Verifying your identity and creditworthiness
- Communicating with you about your account and our services
- Complying with legal and regulatory requirements
- Improving our products and services
- Preventing fraud and ensuring security
- Marketing our products and services (with your consent)
4. Information Sharing
We may share your information with:
- Credit Bureaus: For credit checks and reporting
- Service Providers: Who assist us in operating our business
- Regulatory Authorities: As required by law
- Legal Representatives: When necessary to protect our rights
We do not sell your personal information to third parties for marketing purposes.
5. Data Security
We implement appropriate technical and organizational measures to protect your information:
- 256-bit SSL encryption for data transmission
- Secure servers and data centers
- Regular security audits and assessments
- Access controls and authentication procedures
- Employee training on data protection
6. Your Rights
Under the Protection of Personal Information Act (POPIA), you have the right to:
- Access your personal information
- Correct inaccurate or incomplete information
- Request deletion of your information (subject to legal requirements)
- Object to processing of your information
- Lodge a complaint with the Information Regulator
7. Cookies
We use cookies to:
- Remember your preferences and settings
- Understand how you use our website
- Improve your browsing experience
- Deliver relevant advertising
You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.
8. Data Retention
We retain your personal information for as long as necessary to:
- Provide our services to you
- Comply with legal and regulatory requirements
- Resolve disputes and enforce our agreements
When no longer required, your information is securely deleted or anonymized.
9. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on our website and updating the effective date.
11. Contact Us
If you have any questions about this Privacy Policy or how we handle your information, please contact us:
- Email: lon@codehustle.co.za
- Phone: +27 12 345 6789
- Address: 123 Finance Street, Sandton, Johannesburg, South Africa
Effective Date: This Privacy Policy is effective as of May 30, 2026.