What Information We Collect
We collect the following information when you register our product/service:

1. Identification-related information - your name, phone number, age, email address, Google Advertising ID, or other related information. We will only use this contact information for your identity verification and for contacting you in an emergency. We will NOT use it for loan collection or share your loan information with the contact.

2. Financial-related information - bank verification number (BVN), or any other information required for making credit-related decisions.

3. Credit-related information - it will be used to assess your eligibility with our credit scoring system. We would collect the information including your device operating system, device manufacturer, and model as well as the downloaded software applications. We may also collect your email and phone book contacts as well as information about device activity such as location. By agreeing and following this privacy policy, you specifically authorize us to collect and process data.

Why We Need to Collect Your Information

We collect your personal information to assess your application and provide better service to you. It is
for your verifying your identity and creating credit scoring models to evaluate what loans can be
provided for you. Also, we would need to collect the data for credit reporting.

Location：
We will collect location information from your device to reduce the risks and information judgments associated with your account. Of course, we will only collect your vague location, and you do not need to provide precise location information. This part of information is very important for us to determine whether it is a real user’s application and use, to avoid fraudulent logins and operations by robots and other means. Your location information will be securely encrypted and sent to our server https://api.swiftnaira.com via HTTPS. We will not disclose your information to any illegal organization that may trigger local legal requirements. If you do not consent to us processing your personal information as described in this Privacy Policy, please do not provide your information when requested and immediately stop using our app/services. By continuing to use and access our app/services, you acknowledge our use of your personal information as described in this Privacy Policy.

Picking Contact Data：
In the course of our loan application procedure, it’s vital that you supply emergency contact details. This allows us to screen for possible fraudulent behaviors, contributing to a decrease in adverse loan applications and lessening credit risk. The scope of our data collection is confined to the contacts you selected or filled in, encompassing their names, telephone numbers, and any relevant details about your relationship. Your information is securely encrypted and sent through HTTPS to our server at https://api.swiftnaira.com. As your privacy is paramount, we do not share this information with third parties absent your consent. Once we’ve assessed your risk situation, we will expunge the contact details promptly.

Camera:
We would require access to your camera so that we can serve you with an easy/quick experience. Also, this can activate the feature of picture taking of your KYC documents or other necessary documents. Then, you can submit the pictures for the application for the loan.

Documentation：
To complete the application, you will need to send pictures and/or documents. Thus, we would need your permission to reserve information for the application.

Phone Status：
We need to collect your device information to prevent actual or suspected criminal activities. This includes, device brand, model, operating system version, device network environment, WiFi, etc.. For example, if your account is logged in on other devices, we will notify you through our application. Your device information will be uploaded and transmitted to https://api.swiftnaira.com and will not be shared with any third party.

APP List: 
We would require a list of installed app metadata information on your device which includes app name, package name, version name, version code, install time, and update time of each installed app. The data will be uploaded to https://api.swiftnaira.com. Through pre-approved personalized loans, we will analyze your reputation and availability.

Google Advertising ID:
In order to enhance our ability to provide relevant marketing and services to you and update our records, we may obtain information about you from other sources, such as data providers from other third parties. This information includes email addresses, intent data (or user behavior data), IP addresses, social media URLs and custom profiles, for purposes of targeted advertising and event promotion. These data will be encrypted and stored on our server address https://api.swiftnaira.com, and will only be used to optimize advertising effects and provide better services to users. Our IT team regularly reviews Swiftnaira’s data security and security policies, conducts vulnerability assessments and performs penetration tests. Any personal information related to you will be encrypted during storage, transmission, authentication, and access restriction technology to ensure data security.

How We Use and Keep Your Personal Information

We mainly store your personal information in a database maintained by our service provider under relevant financial regulations. The information is only used for meeting your request or providing you with services on the app. We will not share your personally identifiable data with third parties except in situations of complying with legal or regulatory obligations. We will take all necessary steps to store, process, and transfer your information safely under this policy. We will only retain your personal information for the period stated in this policy.

Who We Might Share the Data With
We may share your information with third parties under certain circumstances. For
example, the data may be used with :

1. collections agencies to collect overdue loans;

2. professional advisers to enforce or defend our legal rights;

3. credit bureaus to request credit histories or report loan defaults;

4. government bodies or law enforcement agencies to comply with the law;

5. sellers or purchasers regarding company events such as mergers, business acquisitions, or
bankruptcy situations.

How We Delete Your Information?

If you need to delete your personal data, please contact us during working hours. We will arrange to execute your request for deletion of personal data within a reasonable time, as long as it does not damage, impair, compromise or reduce the integrity, confidentiality and security of the platform and/or services, and no more than three working days.

Do We Collect Information from Minors?

Our app is for users over 18 years old. If you use the app, you are deemed to be over 18 years old. If we learn that we have collected personal information from users under 18 years old, we will deactivate the account and take reasonable measures to delete such data immediately. If you find that we may have collected any data from children under 18 years old, please contact our customer service team.

Contact Us

If you have any questions about the privacy policy or other issues, please don’t be hesitate to contact us.

Hotline: 8184250495; 8023876735; 7050506581; 9032523380;

Email: Swiftnairahelp@yahoo.com;

Address: 56 Quarry Rd, Ibara, Abeokuta 110252, Ogun State.