Privacy Policy

Introduction

 

Our privacy policy (the Policy) is designed to provide greater transparency into our privacy practices and principles in a format that is easy to navigate, read, and understand.

 

This Policy describes the treatment of information provided or collected on our website, where this Policy is posted. For the purposes of this Policy, the term “website” includes services operated by us (or on our behalf) that may be displayed on various online, mobile, or other platforms and environments, which allow us to share information with all those who access it via the internet.

 

We follow this Policy in accordance with applicable laws, including, but not limited to, the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. For the purposes of this website, the laws of the Republic of India shall be applicable (the Applicable Law).

 

By using our website, you (User) consent to the collection of your information by us.

 

This Policy applies to information held about current and prospective customers, clients, and suppliers. “Information” refers to personal and financial details about you that we collect, use, and store.

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In this Policy, the terms “we,” “us,” and “our” refer to SettleSwift, and the terms “you” and “your” refer to the User.

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Information we collect

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1.⁠ ⁠Your name
2.⁠ ⁠Your contact details (including your address, telephone numbers, and email address)
3.⁠ ⁠Date of birth
4.⁠ ⁠Call recordings

 

We regularly check your credit file to ensure the accuracy and currency of the information we hold. This is done via a “soft footprint,” which does not affect your credit score.

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We may also collect publicly available information, including any and all media reports. This is solely to update the information we hold and manage your account accordingly.

 

If we are unable to contact you using the information we have, we may perform a Google search or use other publicly accessible sources to update our records.

 

We collect this information to understand your needs and provide you with better services, including:

•⁠  ⁠Internal record keeping
•⁠  ⁠Improving our products and services

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Information You Provide

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You may provide information via:

1.⁠ ⁠Telephone, web chat, email, or post;
2.⁠ ⁠Completing forms on our website; or
3.⁠ ⁠Calls, which we may monitor or record for training, quality assurance, and dispute resolution.

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​Information We Collect from Other Sources

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We may obtain your information from:

1.⁠ ⁠Google searches
2.⁠ ⁠News and media reports
3.⁠ ⁠You, as the account owner

   * Name
   * Contact details
   * Date of birth
   * Account information including outstanding balances and default details

4.⁠ ⁠Third parties:

   * Credit reference agencies (e.g., Equifax, CIBIL, Experian, Highmark)
   * Debt management companies authorized to act on your behalf
   * Law firms instructed by us to verify settlement letters or creditor authenticity.

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Why We Need Your Information

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We require your information to perform our settlement services. This includes:

1.⁠ ⁠A copy of your credit file
2.⁠ ⁠Details of unsecured and secured loans
3.⁠ ⁠Number of missed EMIs
4.⁠ ⁠Age of outstanding loans
5.⁠ ⁠Proof of funds for settlement purposes

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Retention of Information

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We will retain your information for as long as necessary to fulfill the purposes outlined above, or as required by applicable laws. Specifically, we retain your information for no longer than *two (2) years* from the date it was first provided to SettleSwift, in order to:

1.⁠ ⁠Address any queries or complaints
2.⁠ ⁠Respond to requests from clients or customers
3.⁠ ⁠Comply with financial obligations

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Security

 

We are committed to ensuring that your information is secure. To prevent unauthorized access or disclosure, we have implemented appropriate physical, electronic, and managerial procedures to safeguard and secure the personal information we collect.

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Policy Updates

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We may update this Policy from time to time to reflect changes in technology, legal requirements, or our practices. You are encouraged to review the Policy regularly. We do not accept responsibility to inform you of changes, and it is your responsibility to review the Policy.

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Comments and Questions

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If you have any questions or suggestions regarding this Policy, please contact us at swiftlegalindia@gmail.com. We will consider your suggestions and attempt to respond to your questions promptly.

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Third Party Links

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Our website may contain links to other websites not owned or operated by us. We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policies of any external websites that may collect your personal information.

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We are committed to protect your personal information collected and processed by us and look forward to your continued support for the same. In case of any feedback or concern regarding protection of your personal information, or any privacy related feedback or concerns you may contact us at settleswiftindia@gmail.com. If you wish to delete the personal information provided to SettleSwift, you can always do so by sending a request to us at settleswiftindia@gmail.com.