Privacy Policy & Notice of Data Rights

1. Information We Collect

To connect you with qualified personal loan offers, Swift Loans collects Nonpublic Personal Information (NPI) you provide directly, including:

• Identifiers: Full name, postal address, email address, mobile phone number, IP address.
• Financial Profile: Requested loan amount, loan purpose, self-reported credit tier, employment status, gross annual income, housing status.
• Verification Data: Partial Social Security Number (last 4 digits) for fraud prevention and credit bureau matching.

2. How We Use Your Information

We use collected information solely to:

• Submit your loan inquiry to authorized lenders and financial partners in our network.
• Communicate the status of your pre-qualification via email, telephone, or SMS.
• Detect and prevent fraudulent submissions, bots, and unauthorized transactions.
• Comply with federal lending regulations, the USA PATRIOT Act, and AML laws.

3. Bank-Grade Security Measures

We safeguard your personal and financial data using industry-standard physical, electronic, and procedural safeguards. All transmission of sensitive information is encrypted using 256-bit Secure Socket Layer (SSL/TLS) technology. Access to applicant records is strictly restricted to authorized compliance and underwriting personnel.

4. California Consumer Privacy Act (CCPA / CPRA) Rights

If you are a California resident, the California Consumer Privacy Act affords you specific privacy rights:

• Right to Know: You may request disclosure of the categories and specific pieces of personal information collected about you.
• Right to Delete: You may request deletion of personal information, subject to statutory retention requirements under federal financial laws.
• Right to Opt-Out: We do not sell your personal data for monetary consideration. You may opt out of third-party marketing sharing at any time.
• Non-Discrimination: We will never discriminate against you for exercising your privacy rights.

To submit a CCPA verifiable consumer request, email us at [email protected] with the subject "CCPA Consumer Request".

5. Gramm-Leach-Bliley Act (GLBA) Financial Privacy Notice

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Under federal law, we are permitted to share your information with participating lending partners to process your loan application transaction.

6. Contact Our Data Privacy Officer

For questions or requests regarding your consumer data rights: