Privacy Policy (GDPR Compliant)

Swift Loan International is committed to protecting your personal data and respecting your privacy in accordance with the General Data Protection Regulation (EU) 2016/679 (“GDPR”).

This privacy policy explains how we collect, use, process, store, and protect your personal data when you access our website and use our services.

 1. Data Controller

Swift Loan International acts as the data controller for your personal data. For any questions regarding the protection of your data, you can contact us at our official email address.

 2. Personal Data Collected

We collect the following categories of personal data:

- **Identity data**: name, date of birth, identity documents

- **Contact data**: email address, phone number, postal address

- **Financial data**: income information, banking information, loan-related data

- **Technical data**: IP address, browser type, device information

- **Usage data**: browsing activity, interactions with our platform

These data are collected when you register, submit a loan application, complete KYC verification, or interact with our services.

 3. Legal Basis for Processing

We process your personal data based on the following legal grounds:

- **Contractual necessity**: to process your loan application and provide our services

- **Legal obligation**: to comply with financial regulations and KYC/AML requirements

- **Legitimate interest**: to improve our services and prevent fraud

- **Consent**: for marketing communications (where applicable)

 4. Purposes of Data Processing

Your data is used to:

- Verify your identity (KYC compliance)

- Process and manage loan applications

- Provide customer support

- Improve our services and your user experience

- Prevent fraud and ensure platform security

- Comply with our legal and regulatory obligations

 5. Data Sharing

We may share your data with:

- Trusted service providers (KYC verification, payment processors)

- Our financial partners involved in loan processing

- Regulatory authorities when required by law

All third parties are contractually obligated to ensure the confidentiality and security of the data.

We do not sell your personal data under any circumstances.

 6. International Data Transfers

If your data is transferred outside the European Economic Area (EEA), we ensure that appropriate safeguards are in place, such as the Standard Contractual Clauses approved by the European Commission.

 7. Data Retention

We retain your personal data only for as long as necessary to fulfill our legal, contractual, and regulatory obligations, including anti-money laundering requirements.

 8. Your Rights under the GDPR

You have the following rights:

- Right of access to your personal data

- Right to rectification of inaccurate data

- Right to erasure (“right to be forgotten”)

- Right to restriction of processing

- Right to data portability

- Right to object to processing

- Right to withdraw your consent at any time

You also have the right to lodge a complaint with a supervisory authority in the EU.

 9. Data Security

We implement appropriate technical and organizational measures to protect your data against unauthorized access, loss, or misuse.

However, no system is infallible, and we cannot guarantee absolute security.

 10. Cookies

We use cookies and similar technologies to enhance your user experience and analyze traffic on our website. You can manage your cookie preferences in your browser settings.

 11. Changes to this Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page; we encourage you to review it regularly.

By using our services, you acknowledge that you have read and understood this Privacy Policy.