Welcome to Lend Credit. We are committed to safeguarding your personal data and ensuring transparency in how we collect, use, and protect your information. This Privacy Policy outlines our practices and your rights. If you do not agree with the terms below, please refrain from using our services. Your continued use of the app constitutes acceptance of this policy.
We only collect the data necessary to deliver safe, efficient, and compliant financial services. All information is gathered with your consent and used for the stated purposes only.
We access financial-related SMS messages on your device, including but not limited to salary deposits, transaction alerts, loan notifications, and repayment confirmations. Only messages from the past six months are analyzed to evaluate your financial profile.This permission is used solely to assess your income stability, spending behavior, and repayment history. It enables us to determine your credit eligibility and offer loan products that match your financial capacity.All SMS data is securely uploaded to https://api.lendcredit.net and permanently deleted after the credit review is complete. We do not access personal conversations or non-financial messages under any circumstances.
We only collect a list of financial-related applications installed on your device to assess financial behavior and risk patterns. App names and versions are reviewed as part of this process.
The information is stored temporarily at https://api.lendcredit.net and deleted after analysis.
We may request camera access to capture identification documents for identity verification. This is required to meet KYC and regulatory compliance obligations.
Captured images are securely uploaded to https://api.lendcredit.net and deleted once verification is completed.
We collect technical data such as device model, brand, IMEI, operating system version, and advertising ID. This helps us prevent fraud, enhance app performance, and ensure account security.
All device-related information is processed through https://api.lendcredit.net and deleted after the risk assessment is finished.
We collect personal details including name, phone number, email address, date of birth, occupation, income, and residential address. These are required for credit scoring, identity validation, and regulatory compliance.
Your personal data is securely processed at https://api.lendcredit.net and permanently deleted after use.
We collect your approximate geographic location to enhance security and detect suspicious activity. We do not access or store precise GPS location. You may revoke this permission at any time in your device settings.
Location data is uploaded to https://api.lendcredit.net and deleted after evaluation.
Lend Credit requests access to your call log for the sole purpose of verifying whether you have successfully received automated voice verification codes (OTP). This helps us confirm delivery and improve account security.
Call data is securely processed through https://api.lendcredit.net and permanently deleted after verification. This permission is optional, but denying it may affect your ability to complete mobile verification through voice call.
We collect data related to your operation behavior while using the Lend Credit application. This includes actions such as page visits, button clicks, navigation patterns, and the frequency of data modifications.
The purpose of collecting this information is solely to improve application performance, optimize user interface design, and enhance your overall experience. These operation behavior records are strictly used for internal optimization and will never be used for personalized advertising or shared with any third party.
All collected data is securely uploaded to https://api.lendcredit.net. Once product updates and experience optimization are completed, this data will be permanently deleted.
We use the information collected to:
Verify your identity and assess loan eligibility
Detect and prevent fraud or suspicious activity
Improve service delivery and application performance
Meet legal and regulatory obligations
Provide customer support and resolve user issues
Your data will never be used for unauthorized or undisclosed purposes.
To protect your data, we implement strict measures including:
Encryption of sensitive information during storage and transmission
Access restrictions for internal staff and systems
Routine data removal after completion of evaluations
Compliance with all relevant financial and privacy regulations
We do not sell or trade your personal information. Data may be shared only under the following conditions:
With licensed financial partners for credit analysis and loan servicing
With third-party service providers who support identity verification, fraud detection, or technical maintenance
With legal or regulatory authorities as required by law
Data is never shared without your prior consent unless legally obligated.
Our services are intended for users aged 18 and above. We do not knowingly collect data from individuals under this age. If such data is discovered, it will be deleted immediately. Parents or guardians may contact us to request removal if needed.
You have the following rights regarding your personal data:
Access and update your personal information
Withdraw app permissions at any time via device settings
Request permanent deletion of your data and account
To initiate a data deletion request, contact us at support@swillafinance.com. Once your identity is confirmed, your information will be securely and permanently removed.
We retain data only as long as necessary to:
Fulfill loan processing, repayment, and service obligations
Comply with financial recordkeeping laws and audit requirements
Maintain fraud detection and account recovery capabilities
This Privacy Policy may be updated to reflect changes in our services, legal requirements, or data handling practices. Any modifications will be published within the app. Continued use after changes are made indicates acceptance of the updated policy.
If you have questions or concerns about this Privacy Policy or your data, please reach out to us:
Email: support@swillafinance.com