Last Updated: June 1, 2023
Welcome to SwiftFunds – your reliable online platform for microloans, operated by SwiftFunds Inc. Our mission is to empower individuals by providing fast, secure, and transparent financial solutions with minimal hassle. These Terms Of Service ("Terms") govern your use of our website, mobile application, and any associated services (collectively, the "Service"). By accessing or using SwiftFunds, you agree to abide by these Terms in full. Please read them carefully.
SwiftFunds is dedicated to simplifying access to microloans, ensuring that you receive the funds you need quickly and with complete clarity regarding your obligations. We believe that obtaining a microloan should be an uncomplicated process that places customer convenience and security at its forefront.
Our platform harnesses state-of-the-art technology to streamline the application process and provide an immediate decision, allowing you to focus on what matters most.
To begin using our Service, you are required to complete an online application by supplying accurate personal, contact, and financial information. Our system processes your application in real time and typically delivers a decision within 15 minutes. Once approved, the loan amount is disbursed directly to your bank account.
It is essential that all information you provide is true and current. Any inaccuracies or omissions might result in delays, additional verification requirements, or even rejection of your application.
SwiftFunds offers microloans between $300 and $15,000, with a fixed interest rate of 5% per month. You can select a repayment period from 1 to 24 months, allowing you to tailor your monthly installments to your personal financial situation.
Upon approval, you will receive a comprehensive loan agreement that details the principal amount, interest rate, repayment schedule, and any associated fees. Until full repayment (including all interest and fees) is made, the loan remains under the control of SwiftFunds.
This agreement is designed to be transparent and easy to understand, so you always know exactly how much you owe and when each payment is due.
In order to serve you better, SwiftFunds collects a variety of information from you:
This data is crucial for verifying your identity, evaluating your creditworthiness, processing your application, and continuously enhancing the Service. All information is handled with strict adherence to data protection laws and is stored only as long as necessary.
To ensure the efficiency and accuracy of our Service, SwiftFunds works with a select group of third-party providers—including banks, credit agencies, payment processors, and analytics firms. We may share certain information with these partners solely for the purposes of verifying your application, assessing risk, and facilitating secure transactions.
Every data exchange is performed using industry-standard encryption protocols and is strictly regulated by confidentiality agreements. Your data will not be used for any marketing or promotional activities without your prior consent.
SwiftFunds takes the security of your personal information very seriously. We utilize advanced encryption, secure servers, and regular security audits to protect your data from unauthorized access or disclosure. Our security practices are continually updated to meet evolving threats and ensure the highest level of protection.
While we strive to safeguard your information, please note that no system is completely foolproof. We encourage you to protect your login credentials and immediately notify us of any suspicious activity.
As a user of SwiftFunds, you have the right to access and update your personal data, as well as request its deletion by contacting our support team. We are committed to ensuring your data remains accurate and secure.
You are responsible for maintaining the confidentiality of your account details and ensuring that the information you provide during the application process is accurate and complete. Failure to comply with these obligations may result in restrictions or termination of your access to our Service.
SwiftFunds reserves the right to modify these Terms at any time. Any changes will be immediately posted on our website and will take effect upon publication. We advise you to review these Terms periodically to remain informed about our policies.
Your continued use of the Service after any modifications constitutes your acceptance of the revised Terms. If you disagree with any changes, you must cease using our Service immediately.
These Terms are governed by and interpreted in accordance with the laws of the jurisdiction where SwiftFunds is registered. Any disputes arising out of or related to these Terms or your use of the Service will first be addressed through friendly negotiations.
Should negotiations fail to resolve the dispute, the matter will be escalated to arbitration or litigation in a court of competent jurisdiction at SwiftFunds’ registered office.
If you have any questions, concerns, or feedback regarding these Terms or our privacy practices, please contact our support team. We are committed to providing timely and helpful responses to ensure you have a clear understanding of our policies.
Your trust is our highest priority. SwiftFunds is committed to delivering efficient, transparent, and secure microloan services that empower you to overcome financial challenges with ease. We continuously enhance our processes and technology to offer you the best possible experience. Thank you for choosing SwiftFunds – we are here to support you every step of the way.