SikaSwift is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your personal information when you use our services. By using our app, you consent to the practices described in this policy.
To provide you with high-quality services and continuously enhance your user experience, we may collect the following types of information when you use our application:
To comprehensively assess your credit profile, our application requests access to your SMS data, including information such as the sender, contact names, phone numbers, and transaction amounts. We only collect SMS data related to your financial activities, and we do not collect any messages you have sent or other private communications. The collected SMS data is encrypted and securely uploaded via HTTPS to our servers, and is used solely for fraud prevention and risk management purposes. Your information will never be shared with any third parties under any circumstances. If you wish to request the deletion of your SMS data, please contact us through customer support channels, and we will complete the data deletion process within one week.
To provide more accurate services and prevent fraud, we request access to your approximate location. We collect data only while you are actively using the app and upload it securely via HTTPS. The information is used for anti-fraud analysis and credit evaluation and is never shared with any third party. If you wish to delete your data, please contact customer service; we will complete the process within one week.
We request access to your camera, which allows you to take photos of your ID and face and upload them to our platform to complete the necessary KYC (Know Your Customer) verification process for loan services. Camera access requires your consent, and if permission is not granted, you will not be able to take or update images. If you wish to delete your data, please contact customer service; we will complete the process within one week.
To support risk assessment, we request access to your list of installed apps. Only basic information such as app names is collected and securely uploaded via HTTPS. The information is used for anti-fraud checks and is never shared with any third party. If you wish to delete your data, please contact customer service; we will complete the process within one week.
To protect your account and prevent fraud, we request access to your device information (such as device model, system version, and unique device identifiers). Only necessary information is collected and securely uploaded via HTTPS. The information is used for risk control and device authentication and is never shared with any third party. If you wish to delete your data, please contact customer service; we will complete the process within one week.
We only collect the information of your 2 emergency contacts, including relationship, name, and phone number. This information used solely for verifying the borrower’s identity, assessing eligibility, and analyzing risks and fraud prevention.
To promptly deliver important information, we request access to notifications. We only send reminder messages without collecting any notification content. The information is used solely for service notifications and is never shared with any third party. You can disable notification access in the settings or contact customer service for assistance.
When registering, you may provide:
We use this information to:
We implement robust security measures to protect your information:
We retain your data only as long as necessary for:
You have the right to:
Note: Accounts with active loans or pending payments cannot be deleted until all obligations are resolved.
For privacy-related inquiries or requests:
Email: service@sikaswift.com
Hours: Monday-Friday, 9:00 AM - 6:00 PM