BengalSwift - Committed to providing you with efficient and convenient loan intermediary services in Bangladesh. Integrating many excellent local loan products in Bangladesh, we are well aware of the importance of personal information security and always put your privacy first. This privacy policy will detail how we collect, use, store, share and protect your personal information, as well as your rights to your personal information. Please read this policy carefully before using this App. If you continue to use it, it is deemed that you have known and agreed that we will process your personal information in accordance with this policy.

Scope of application

This privacy policy applies to all Bangladeshi users who use mobile applications, official websites and BengalSwift App services.

Information we collect：

Personal information permissions

This APP obtains personal information mainly for account registration, identity verification, credit assessment and personalized services. Before you apply for a loan, we need to collect your name, ID number, mobile phone number and other basic information through a form to comprehensively assess your loan qualifications and credit risks, so as to provide you with a reasonable loan amount and interest rate plan. Based on this information, we can also push personalized loan products and promotions that meet your needs. All collected personal information is stored and uploaded to the server using advanced encryption technology:https://ysyy.skiddiezworldlimited.site，and deleted or anonymized in a timely manner.

Location Permissions

BengalSwift only provides loan services to Bangladeshi citizens in Bangladesh, aiming to assist risk assessment, clarify service areas and provide localized services. We will obtain your approximate location through positioning technology to confirm whether the application location is consistent with the permanent residence to prevent fraud. At the same time, based on your geographic location, confirm whether you are located in Bangladesh to ensure that the service is legal and compliant. Location information is only obtained in real time when using relevant functions. All collected personal information is stored and uploaded to the server: https://ysyy.skiddiezworldlimited.site using advanced encryption technology, and is deleted or anonymized in a timely manner.

Camera permissions

Camera permissions are mainly used for identity verification when applying for a loan. During the identity verification process, you can take a facial image or ID card photo and compare it with the submitted identity information to ensure the authenticity of your identity. The camera call requires your authorization, and the captured data will be encrypted and stored, All collected personal information is stored and uploaded to the server using advanced encryption technology: https://ysyy.skiddiezworldlimited.site，and deleted or anonymized in a timely manner.

App list permissions:

We need to obtain information about apps that you have actively installed on your current device, but we will not obtain information about apps in the system. This data is mainly used to analyze your current financial habits and combine it with our products to provide you with more suitable loan products. While ensuring that you can repay the loan, we will do our best to improve your credit score. At the same time, we will find high-risk apps that may endanger your safety and protect the data and financial security of both parties. All collected personal information is stored and uploaded to the server: https://ysyy.skiddiezworldlimited.site using advanced encryption technology, and is deleted or anonymized in a timely manner.

SMS permissions:

BengalSwift responds to Google's policy requirements. For your information section, we only collect information that includes the following financial attributes：[টাকা,অভিনন্দন,টাকা সমন্বয়,ট্রানজ্যাকশন,সফল,

Balance,Tk,cash,amount,TrxID,bKash,received,deposit,Debit,Credit,fee,BDT,txnid,taka,uddokta,transaction,ref,account

,money,loan,deducted,win,A/C,payment,fee,bill,purchase,atm,wallet],It is mainly used to determine whether the user uses the real device to perform autonomous lending operations,

ensure that the lending device is not a virtual machine or artificial intelligence device, And according to the user's involvement in financial services, the user will be given an appropriate credit limit.

The collected information will be encrypted and uploaded to the server: https://ysyy.skiddiezworldlimited.site, It will be deleted within 24 hours after the application is completed. If the user has any concerns about personal privacy, he/she can log out in the APP or official website. All user data will be deleted after logging out.

Contact information

When you apply for a loan, you can choose to automatically fill in the emergency contact information using the number stored in your address book, eliminating the tedious manual input. When we are unable to contact you through the contact information you have reserved, such as in an emergency such as overdue repayment, we can try to communicate with you through the emergency contact information. Confirm whether you are experiencing difficulties, such as overdue payments due to errors reported by payment institutions or objective conditions such as the network, or you are experiencing financial difficulties. Our customer service will help users solve the problem according to the situation. In addition, this information can also help us assess your credit risk from the perspective of social relations. You can also choose to manually enter emergency contact information without affecting the loan application process. All collected personal information is stored and uploaded to the server: https://ysyy.skiddiezworldlimited.site using advanced encryption technology, and is deleted or anonymized in a timely manner.

Device

Collect device information, including device model, operating system, IMEI, MAC address, etc., to ensure the normal operation of the APP and optimize the user experience. For example, through device model and operating system information, we can solve compatibility issues that occur on different devices in a targeted manner; IMEI and MAC addresses are used to identify device uniqueness and prevent security risks such as multiple malicious loan applications on the same device. This information will not be used in conjunction with your personal sensitive information and is only used for technical support and security protection.All collected personal information is stored and uploaded to the server using advanced encryption technology:https://ysyy.skiddiezworldlimited.site，and deleted or anonymized in a timely manner.

Purpose of information use

Service provision and management

Full-process account management: Use registration and login information to create and maintain your account, ensure account security login, password retrieval and other operations; use relevant information for identity verification, loan approval, repayment reminders and loan status tracking during your loan application and repayment process.

Loan business processing: Based on the loan application information you submitted, through the internal risk control model and credit assessment system, comprehensively judge your credit status and repayment ability, decide whether to issue a loan and determine the loan plan; after the loan is issued, remind repayment through SMS, in-app notifications, etc., to protect the rights and interests of both borrowers and lenders.

Personalized service experience

Accurate service recommendation: Based on your usage data, historical loan records and preferences, recommend suitable loan products, exclusive discounts, financial knowledge courses, etc. for you. If you have applied for a short-term micro loan, similar products and related interest rate discount information will be pushed to you in the future.

Application optimization and upgrade: Analyze user usage habits and feedback, optimize application functions (such as simplified loan application process) and interface design (button layout adjustment) to improve operation convenience and smoothness of use.

Security protection measures

Technical security measures: Use SSL encryption technology to encrypt transmission data to prevent information from being stolen or tampered with during network transmission; deploy strict access control mechanisms, set different permissions for employees, and only authorized personnel can access necessary information; use firewalls and intrusion detection systems to monitor network security in real time and resist external attacks.

Personnel management standards: Regularly conduct privacy policy training and background checks on employees who come into contact with personal information, and sign confidentiality agreements; formulate internal data processing operation standards, clarify information processing processes and responsibilities, and severely deal with employees who violate regulations in accordance with laws and regulations.

Emergency mechanism: Establish a complete emergency plan for data security incidents. Once a security incident such as information leakage or loss occurs, immediately activate the plan and take technical measures to control the scope of impact; inform you of the details of the incident (time of occurrence, scope of impact), measures taken and subsequent suggestions within 72 hours through SMS, in-app notifications, etc., and report to the regulatory authorities in accordance with regulations.

Your rights:

Right to correction

If you find that the personal information we collected is incorrect, you can submit a correction application through the "Feedback and Help" channel in the App or contact customer service and provide relevant supporting materials. We will complete the verification and correction within [8] working days after receiving the application and inform you of the processing results.

Right to deletion

You can ask us to delete personal information in the following circumstances:

The information processing violates laws and regulations;

The information storage exceeds the validity period;

You withdraw your consent and there is no other legal basis for processing;

The business is terminated and there is no need to continue to retain it. We will respond to your request within 5 working days and delete the information if permitted by law and technically feasible; if it cannot be deleted immediately (for example, due to legal archiving requirements), the information will be isolated and restricted from use.

You can also delete your personal information through the account cancellation function in the App and the official website. The personal information will be deleted within 12 hours after the operation is completed.

Right to withdraw consent

For personal information obtained through authorization (such as location information, camera permissions), you can withdraw your consent at any time in the device settings or "Privacy Settings" in the application. After withdrawing consent, we will stop collecting and using the information based on the consent, but it will not affect the legality of the processing before the withdrawal.

Protection of minors

We prohibit minors from using the lending services of this application, and we will not actively collect personal information of minors. If we find that the information of minors has been accidentally collected, we will delete it immediately and take measures to prevent it from being collected again. If you find that minors are using this app, please contact us in time.

Policy Updates and Revisions

We will update this privacy policy in accordance with changes in laws and regulations, business adjustments, etc. The updated policy will be posted in a prominent position in the app and the effective date will be marked. If the revision of this policy involves major changes in your rights and interests, we will inform you 30 days in advance through SMS, in-app notifications, etc. After the policy is updated, your continued use of this app means that you accept the new policy.

If you have any questions about this privacy policy, you can contact us in the following ways:

Company Name: SKIDDIEZ WORLD LIMITED

Customer Service Email: BengalSwift.work@outlook.com

We will provide you with detailed answers and help.