At Cred Swift, your privacy matters. We are committed to protecting your personal data and being fully transparent about how we collect, use, store, and secure your information.
This Privacy Policy explains what data we collect, why we collect it, how it is used, and the steps we take to protect it.
By downloading, installing, or using the Cred Swift mobile application, you agree to the practices described in this policy. If you do not agree, please stop using the app immediately.
We collect data such as your full name, date of birth, mobile number, email, address, PAN, employment details, and income.
This information is required for:
Verifying your identity (KYC)
Determining your eligibility for financial services
Meeting regulatory and compliance obligations
Data Security:
This information is encrypted and securely transmitted to:
https://api.credswift.net
It is not shared with any unauthorized third party and is permanently deleted after use.
With your explicit consent, we access SMS messages from the past 6 months that relate to:
Salary credits
EMI reminders
Bank alerts
We do not read personal, promotional, or social messages.
Purpose: To understand financial behavior and assess creditworthiness.
Data Handling:
All SMS data is encrypted and uploaded securely to https://api.credswift.net. It is used only for eligibility evaluation and automatically deleted after processing.
We do not share this information with anyone.
We may collect:
List of installed apps
Package names
Install timestamps
Purpose:
To detect device tampering, confirm device authenticity, and prevent misuse.
Data Security:
App data is securely uploaded to https://api.credswift.net, used strictly for internal risk checks, and deleted after verification.
No data is ever shared with third parties.
Collected device details include:
Phone model
Operating system version
IMEI
Screen size
Device language
Google Advertising ID
Purpose:
Used for compatibility, performance optimization, and fraud detection.
Security Measures:
Data is encrypted, securely uploaded to https://api.credswift.net, and removed once analysis is complete.
We do not share this data externally.
Camera and file access is used only when uploading KYC documents, such as:
PAN card
Aadhaar
Address proof
Handling:
Files are encrypted, securely uploaded to https://api.credswift.net, and permanently deleted after verification.
We do not share these files.
We collect anonymous usage data, such as:
Screen taps
Session duration
Navigation patterns
Purpose:
To detect suspicious activity, improve UI/UX, and optimize performance.
Handling:
Behavioral data is anonymized, securely transmitted to https://api.credswift.net, and deleted after analysis.
No third-party sharing occurs.
Data is collected only for the following purposes:
Verifying identity and KYC
Assessing loan eligibility
Managing risk and fraud detection
Improving app experience
Meeting legal or regulatory requirements
We always ask for your consent before accessing sensitive data.
Refusing permissions may limit access to certain features but will not affect your ability to use core services.
We do not sell, rent, or share your personal information with any unauthorized third party.
We may share data only in these cases:
With licensed NBFC partners for processing loan applications
With authorized KYC, cloud, or analytics providers (under strict agreements)
With legal or regulatory bodies when required by law
All third parties are bound by confidentiality and must meet strict data protection standards.
We maintain robust security through:
End-to-end encryption (SSL)
Role-based access control
Cloud storage with auto-deletion
Regular audits and updates
Only a limited number of authorized staff can access your data, and only for specific tasks.
Your data is retained only for as long as needed, based on:
Completion of KYC and loan processing
Regulatory compliance
Fraud prevention
Once the purpose is fulfilled, your data is permanently deleted from our systems.
Cred Swift services are intended for users 18 years and above. We do not knowingly collect data from minors. If such data is identified, it will be deleted immediately.
You have the right to:
Access your personal data
Request corrections
Withdraw permissions at any time
Request deletion of your account and data
File a complaint about misuse or unauthorized access
To exercise your rights, contact us using the details below.
This Privacy Policy may change based on legal updates, app changes, or technology upgrades.
We will notify you of any significant updates within the app.
Continued use of the app implies acceptance of the latest version.
If you have any questions or requests regarding your data, please reach out to us:
Email: mail@fincopfinancial.com
We are committed to responding promptly and handling all requests with care.