This Privacy Policy (“Policy”) explains how Swift Borrow Capital LLC (“Swift Borrow,” “we,” “us,” or “our”) collects, uses,
discloses, and safeguards personal information when you use the Swift Borrow mobile application, website, and related services (the “App” or “Services”).
By using the App, you agree to this Policy. If you do not agree, please discontinue using the App.

We comply with applicable U.S. laws and guidance, including the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA) as amended by the
California Privacy Rights Act (CPRA), the Fair Credit Reporting Act (FCRA), and Federal Trade Commission (FTC) regulations, as well as similar state privacy laws.
Some rights described here do not apply to GLBA-covered data or to users outside covered states.

This Policy applies to individuals who use the App in the United States. It does not cover our employees, contractors, or job applicants, and does not govern third parties we do not control.

2) Information We Collect

We collect information directly from you, automatically from your device, and from third parties.

2.1 Information You Provide

• Personal Identifiers: full name, date of birth, residential and mailing address, email, phone number.
• Government Identifiers: Social Security number, driver’s license or state ID, or other identifiers used for verification and fraud prevention.
• Financial Information: employment and income details, pay schedule, bank account and routing numbers, account and transaction data, repayment history, and loan request details.
• Authentication Data: username, password, security questions, PINs (stored in encrypted form).
• User Communications: information in emails, in-app messages, documents and images uploaded for support or verification.
• Consents and Signatures: electronic signatures, acknowledgments, and agreements related to applications and disclosures.

2.2 Information Collected Automatically

• Device and Usage Data: IP address, device type, operating system, mobile carrier, app version, language, and diagnostic/crash logs.
• Analytics Data: screens viewed, session duration, click paths, referral sources, timestamps.
• Approximate Location: derived from IP address for fraud detection and state-specific compliance.
• Cookies/SDKs: technologies used for authentication, security, analytics, and performance. You can adjust your device or browser settings to manage cookies, though some features may not function without them.

2.3 Information from Third Parties

• Identity and Fraud Services: vendors that verify identity, address, or income and screen for fraud or sanctions.
• Financial Partners: licensed lenders, banks, servicers, and payment processors involved in your requests.
• Credit Bureaus and Alternative Data Sources: where permitted and with your consent if required, to assess eligibility and risk.
• Lead Sources and Affiliates: partners that refer you to the App.
• Public Records and Government Sources: for compliance and risk controls.

3) How We Use Information

• Provide and Operate the App: create and manage accounts, enable features, process requests.
• Verify Identity and Prevent Fraud: perform KYC/AML checks, detect and prevent unauthorized activity.
• Loan and Cash-Advance Matching: submit data to financial partners to obtain potential offers you request.
• Facilitate Payments: disbursements, repayments, and related servicing.
• Communicate with You: send confirmations, required notices, and service updates; respond to support inquiries.
• Analytics and Improvement: monitor performance, fix bugs, enhance usability, and develop new features.
• Legal and Regulatory Compliance: recordkeeping, audits, reporting, and responding to lawful requests.
• Marketing (Optional): send educational or promotional content where permitted by law and your preferences.

4) Legal Bases and Principles

Our processing is grounded in one or more of the following: your consent; performance of a contract or steps to enter into a contract; compliance with legal obligations; and our legitimate interests in providing secure, reliable services and preventing fraud.

5) Information Sharing and Disclosure

We disclose personal information as needed for the purposes above, subject to contractual safeguards and applicable law.

5.1 Service Providers

We engage vendors for hosting and storage, identity verification, analytics, customer support, security, and payment processing. They may access personal information only to perform their services for us and must protect it.

5.2 Financial Partners

When you request loan or cash-advance options, we share necessary information with licensed lenders, banks, and loan platforms to obtain and present potential offers. After transfer, partners’ own privacy policies govern their further use of the information.

5.3 Legal and Safety

We may disclose information to courts, regulators, law enforcement, or other parties when required by law, to protect rights and safety, or to prevent fraud, abuse, or security incidents.

5.4 Business Transfers

If we undergo a merger, acquisition, reorganization, or asset sale, your information may be transferred to a successor subject to the same or materially similar privacy commitments.

5.5 With Your Direction

We may disclose information to third parties when you ask or authorize us to do so.

5.6 No Sale or Cross-Context Behavioral Ads

We do not sell personal information and do not engage in cross-context behavioral advertising. If our practices change, we will update this Policy and provide required opt-outs.

6) Data Retention

We retain personal information only as long as necessary for the purposes described, for as long as your account is active, and as required by law (including financial recordkeeping, audit, and tax obligations). After applicable retention periods end, we delete or de-identify data.

• Account and servicing records: typically life of account plus up to 7 years.
• Compliance and risk records: typically 5–7 years, or longer if legally required.
• Marketing records: typically up to 3 years after last interaction or until you opt out.
• Logs and analytics: typically 12–24 months.

7) Data Security

We use administrative, technical, and physical measures designed to protect personal information, including encryption in transit and at rest, access controls, and security monitoring. No method of transmission or storage is completely secure. You are responsible for keeping your credentials confidential and notifying us of any suspected unauthorized use.

8) Your Privacy Rights

Depending on your state of residence, you may have rights to:

• Access personal information we maintain about you.
• Delete certain personal information, subject to legal exceptions.
• Correct inaccurate personal information.
• Receive a portable copy of certain information.
• Opt out of sale, sharing, or certain types of profiling where applicable (noting GLBA-covered data is generally exempt).

We will verify your identity before acting on a request and may deny requests as permitted by law.

To make a request: email info@swiftborrowcapital.pro with “Privacy Request” in the subject line and include your full name, state of residence, and the type of request.

9) Children’s Privacy

The App is intended for adults. Users must be at least 18 to request financial services. We do not knowingly collect information from children under 13. If we learn we have collected such information, we will delete it promptly.

10) Cookies and Tracking

We use cookies, SDKs, and similar technologies for login, security, preferences, and analytics. You can manage cookies at the browser or device level. Disabling certain technologies may limit App functionality.

11) Third-Party Websites and Services

The App may link to or integrate with third-party services. Their privacy practices are governed by their own policies. We are not responsible for independent third-party practices, and we encourage you to review their privacy policies.

12) GLBA and FCRA Notices

Some information we collect is subject to the Gramm-Leach-Bliley Act (GLBA). Where GLBA applies, our GLBA privacy notice governs that information and may limit state privacy rights that otherwise would apply. If we share information with consumer reporting agencies or obtain consumer reports, your rights under the Fair Credit Reporting Act (FCRA) apply. We do not conduct hard credit inquiries without your consent and will disclose such checks in advance if they become necessary.

13) Data Transfers and Storage

The App is designed for use in the United States. If you access the App from outside the U.S., your information will be transferred to and processed in the United States, which may have different data-protection standards than your home jurisdiction.

14) Changes to This Policy

We may update this Policy from time to time to reflect changes in our practices or legal requirements. When we make material changes, we will update the effective date above and notify you within the App or by email where required. Your continued use of the App after the effective date means you accept the updated Policy.

15) Contact Us

If you have questions, concerns, or requests regarding this Policy or your personal information, please contact:

Swift Borrow Capital LLC
Email: info@swiftborrowcapital.pro

16) Category-by-Category Summary (Overview)

The following summarizes, in plain language, the kinds of data we handle and why. This overview does not replace the full Policy above.

Identifiers and Contact Details

Examples include name, email, phone, and addresses. Used for account setup, verification, support, and legal notices. Disclosed to service providers and financial partners as needed.

Financial Information

Examples include income, employment, bank account details, transactions, and repayment history. Used for eligibility, disbursement, servicing, and compliance. Disclosed to financial partners and processors.

Government Identifiers

Examples include SSN and driver’s license. Used for identity verification, fraud prevention, and legal obligations. Disclosed to verification vendors.

Device, Usage, and Analytics Data

Examples include IP, device attributes, crash logs, and session activity. Used for security, diagnostics, and product improvement. Disclosed to analytics and security providers.

Location (Approximate)

Used for fraud detection and compliance with state-specific eligibility rules. Shared with essential providers for these purposes only.

User Content and Communications

Includes messages and uploaded documents sent to support. Used for customer service and dispute resolution. Disclosed to support teams and advisors under confidentiality.

Derived or Inferred Data

Internal scores and assessments used to evaluate eligibility, detect fraud, and improve services. Shared only with necessary financial partners or service providers.