Privacy Policy
Swiftbanker is owned by Lacuna Digital Aps.
Swiftbanker provides loan application services and assists in comparing loan options from various banks and finance companies. As an online service owned by Lacuna Digital ApS, we are committed to protecting your privacy in accordance with applicable legislation, including the Personal Data Act and Electronic Communications Data Protection Act.
This Privacy Statement outlines what information we collect from users of our website, how we use that information, and how we disclose it to third parties. By using our site, you agree to the processing of your personal information in accordance with this Privacy Statement.
We collect personal information from users through various means, including loan applications, customer service interactions, and cookies or other technologies that track how you use our site and services.
The personal information we collect may include contact information such as your name, address, phone number, and email address, as well as registration information like a username or password. We may also collect information about your age, gender, interests, payment and bank account details, customer feedback, order history, and any direct marketing preferences you provide. If you use a third-party service to register or log in to our site, that service may also collect personal data as outlined in their terms of use and privacy policy.
We take your privacy seriously and will only use your personal information for the purposes outlined in this Privacy Statement. We do not sell or rent your personal information to third parties. However, we may share your information with our loan broker partners or service providers to fulfill your loan application and other requests. We may also disclose your information if required by law or in response to legal requests.
We take reasonable steps to protect your personal information from unauthorized access, use, or disclosure. You have the right to access and correct your personal information as well as to request its deletion. We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Statement, unless a longer retention period is required by law.
If you have any questions or concerns about our Privacy Statement or how we handle your personal information, please contact us.
2. Personal Information
This statement outlines the types of personal information that will be collected when a user registers on the site, and how that information will be used. The information collected may include personal and financial information, as well as other relevant information that is required to process a credit.
The site may share the information it receives with creditors, and may process the information for a variety of purposes, including communication related to the site and services, customer relationship management, site personalization and targeted advertising, site analysis and statistics, market research, prevention and detection of abuse, protection of the site’s rights and property, and other similar uses.
Users should refer to the site’s Processing Your Personal Information policy for more information on how their personal information will be used and protected.
3. Cookie Policy – Understanding How We Collect and Use Data Through Cookies
Our website collects data about your device through cookies and similar technologies. Cookies are small text files stored in your browser that allow us to identify your device and analyze your use of our website. This information helps us improve our services and develop a better experience for you.
What Data Do We Collect Through Cookies?
We may collect the following data through cookies:
- Your IP address
- Time of day
- Pages visited and time spent on them
- Browser type and operating system
- Referral web address and destination web address
- Referral server and domain
Third-Party Cookies
Our website may contain cookies from third-party measurement and tracking services. These cookies may be used to target our advertising on third-party websites based on your web behavior and other factors.
Additionally, we and our partners may collect data about the effectiveness of our advertising, including the number of times an ad was displayed, whether the ad was clicked on, and whether the ad led to a purchase.
How to Block Cookies and Targeted Advertising
You can prevent the use of cookies by changing your browser settings, although some website functions may not be available to you as a result. If you do not want ads to be targeted to your areas of interest, you can block targeting through the provided link. After blocking targeting, you will see as many ads as before, but none will be based on your interests.
In conclusion, understanding how cookies are used on our website can help you control your data privacy and enhance your online experience.
4. Data Disclosure Policy – How We May Share Your Personal Information
At times, we may need to disclose your personal information for legitimate purposes in compliance with personal data laws. Here’s what you need to know:
Who We May Share Your Information With
a) Information provided through the Site may be disclosed to:
- Service providers involved in implementing the Site and our services, such as payment service providers
- Affiliate marketing partners (unless prohibited)
- Authorities if required by law or for our or a third party’s interests
- Our subsidiaries, associates, or other companies within our group or economic association, as well as new owners, co-owners, or operators of the Site and their advisors for acquisition or arrangement purposes.
b) Data collected through automatic data processing may be disclosed to:
- Service providers specializing in data analysis and online advertising
- Authorities if required by law or for our or a third party’s interests
- Our subsidiaries, associates, or other companies within our group or economic association, as well as new owners, co-owners, or operators of the Site and their advisors for acquisition or arrangement purposes.
Data Disclosure in Non-Identifiable Form
We may also disclose data in a form that doesn’t identify individual users as personal data.
In summary, we will disclose your personal information for legitimate purposes only and in compliance with applicable laws. This policy ensures transparency in how we share your data and helps protect your privacy.
5. Protecting Your Privacy – Our Principles and Your Rights
We take the protection of your personal data seriously and want you to be informed about our policies and your rights. Here’s what you need to know:
6. Links to Third-Party Sites
Our site may contain links to third-party sites. Please review their privacy policies carefully, as we are not responsible for their content or privacy practices.
7. Principles for Personal Data Protection
We use technical and organizational security measures to protect your personal data from unauthorized access, accidental destruction, or unlawful processing.
8. Your Rights and Influence
You have the right to inspect your personal data in our registers, request corrections to incorrect information, refuse direct marketing, and exercise other rights under the Personal Data Act. If you find any data to be incorrect, unnecessary, incomplete, or out-of-date, you can request corrections or deletions by contacting our customer service at info@swiftbanker.co.za.
9. Changes to the Privacy Statement
We reserve the right to change our Privacy Statement and will announce any updates on our site. We recommend checking it regularly to stay informed.
10. Contact Information
If you have any inquiries about our Privacy Statement, please contact us at info@lacuna-digital.com.
In summary, we are committed to protecting your privacy and providing transparency in our policies and practices. We encourage you to exercise your rights and stay informed about any updates to our Privacy Statement.