Swift Lend ("we", "our", "us") is committed to protecting the privacy of our users. This policy describes how we collect, use, and protect your data. By using our services, you consent to the data practices described here.
We collect the following types of data to provide our services:
Collected data:
Full name
Phone number
Date of birth
ID number
Address
Employment and income information
Purpose: To verify your identity, assess credit eligibility, and comply with anti-fraud measures.
Storage: Temporarily stored on https://api.swiftlendapp.com/ and deleted after use.
We only access financial-related SMS messages from your device that are received within the past 6 months, such as:
Bank balance alerts
Wallet deposit and withdrawal notifications
Utility bill payments
Loan-related messages
We do not access personal, promotional, or chat messages.
Purpose: To assess creditworthiness, verify income patterns, and detect potential fraud.
Storage: SMS data is temporarily uploaded to https://api.swiftlendapp.com/ and deleted after analysis.
We collect a list of apps installed on your phone.
Purpose: To understand financial behavior, detect risk patterns, and avoid over-lending.
Storage: Data is deleted after evaluation on https://api.swiftlendapp.com/.
Used to:
Capture ID documents
Take a live photo (selfie) for facial verification
Purpose: Fraud prevention and real identity confirmation.
Storage: Images are encrypted, stored temporarily, and deleted after verification.
Includes:
Device type and model
Operating system version
Unique device identifiers
Device language and timezone
Purpose: Ensure platform security, detect suspicious activities, and improve app performance.
Storage: Data stored on https://api.swiftlendapp.com/ and removed after review.
Approximate GPS or network-based location.
Purpose: To confirm the user is within a supported region (Ghana) and reduce fraud risk.
Storage: Used in real time or stored briefly on https://api.swiftlendapp.com/ before deletion.
We collect information about how you interact with our application, including page visits, button clicks, and the frequency of data modifications. This data helps us analyze user behavior to improve app functionality and enhance your overall experience. It is used strictly for app optimization purposes and is never shared with third parties or used for personalized advertising.
All collected data is securely transmitted to https://api.swiftlendapp.com/ and will be permanently deleted once the optimization and product update processes are complete.
To complete verification, we request access to your call log. This allows us to detect incoming voice OTP calls automatically and ensure secure login or registration.We only check limited call log data (such as call type, number, and timestamp) to confirm that the verification call was received.Your call recordings or personal call history will never be accessed.
The information is securely uploaded to https://api.swiftlendapp.com/ for one-time verification and will be permanently deleted immediately after use.
We collect and process your data under the following legal grounds:
User consent (when you accept terms and allow permissions)
Legitimate interest (to assess risk, prevent fraud, improve services)
Compliance with legal obligations (e.g., anti-money laundering laws)
All data is retained only for the duration necessary to fulfill its intended purpose. Once used, it is deleted from our servers automatically. No data is stored indefinitely unless required by law.
You have control over the permissions granted:
You may request data deletion via our in-app “Delete My Data” feature.
You may contact us directly to request correction, review, or deletion of your data.
We implement technical and organizational measures to protect your data:
Encrypted transmission of all data
Secure temporary storage
Access restricted to authorized systems only
Swift Lend is not intended for individuals under the age of 18. We do not knowingly collect data from children. If we discover such data, it will be immediately deleted.
We do not share your personal data with third parties without your explicit consent.
We may use third-party tools for identity verification or analytics in compliance with privacy regulations.
We may update this Privacy Policy from time to time. Any changes will be posted within the app and take effect immediately upon publication.
If you have any questions, complaints, or requests related to this Privacy Policy, please contact us:
Email: mailinfo@motondimic.com