Privacy Policy

Swift Loan is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile lending services.

We comply with the Kenya Data Protection Act, 2019, and other applicable privacy laws to ensure your personal data is handled with the utmost care and security.

Personal Information

• Full name and date of birth
• National ID number
• Phone number and email address
• M-Pesa account details
• Employment information and income details
• Bank account information (when provided)
• Contact list and SMS data (with permission)

Technical Information

• Device information (model, operating system)
• IP address and location data
• App usage patterns and preferences
• Transaction history and repayment behavior

We use your personal information for the following purposes:

Communication Purposes

• Send loan status updates and notifications
• Provide customer support and assistance
• Share important account information
• Send promotional offers (with consent)

We may share your information in the following circumstances:

Authorized Sharing

• Credit Reference Bureaus: For credit assessment and reporting
• M-Pesa/Safaricom: For payment processing and verification
• Government Agencies: When required by law or regulation
• Collection Agencies: For debt recovery purposes (overdue accounts only)

Legal Requirements

• Compliance with court orders or legal processes
• Prevention of fraud or criminal activity
• Protection of our rights and property
• National security or public safety requirements

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• 256-bit SSL encryption for data transmission
• Secure cloud storage with encryption at rest
• Multi-factor authentication systems
• Regular security audits and penetration testing
• Firewall protection and intrusion detection

Administrative Controls

• Role-based access controls
• Employee background checks and training
• Data handling policies and procedures
• Incident response and breach notification protocols

Under the Kenya Data Protection Act, you have the following rights:

How to Exercise Your Rights

To exercise any of these rights, contact us at:

• Email: privacy@swiftloan.ke
• In-app support chat

We use cookies and similar technologies to improve your experience:

Types of Cookies

Managing Cookies

You can control cookies through your browser settings. Note that disabling essential cookies may affect website functionality.

We work with trusted third-party service providers who may process your data:

Service Categories

• Payment Processors: M-Pesa/Safaricom for transactions
• Credit Bureaus: TransUnion, Metropol for credit checks
• Cloud Providers: Secure data storage and processing
• Analytics Services: App performance and user experience
• Customer Support: Communication and support tools

Third-Party Safeguards

• Contractual data protection requirements
• Regular security assessments
• Limited data access and usage rights
• Compliance with applicable privacy laws

We retain your personal information only as long as necessary:

Retention Periods

Automatic Deletion

• Data is automatically deleted when retention periods expire
• Secure deletion methods prevent data recovery
• Regular data purging schedules
• Documentation of deletion activities

We may update this Privacy Policy to reflect changes in our practices or legal requirements:

How We Notify You

• Email notifications to registered users
• SMS alerts for significant changes
• In-app notifications and banners
• Website announcements

Your Options

• Review changes within 30 days of notification
• Contact us with questions or concerns
• Request account closure if you disagree
• Continued use implies acceptance of changes