Yo Swift's Privacy Policy

By utilizing our services, you are providing your consent for the collection, utilization, and disclosure of your personal information in accordance with the following privacy policy. If you do not agree with this policy, please refrain from providing any personal information to us. In the event that you decide to withdraw your consent, kindly contact us, and we will remove your personal information from our database, ensuring that reasonable notice has been given and all legal requirements have been met.

The term "personal information" refers to the information you provide to us, as well as information available on public platforms and information disclosed to us by third parties, such as credit reporting agencies, government agencies, financial institutions, financial service providers, agents, and appointed representatives.

1. The categories of personal information we collect include:

1.1. Identification information, such as your name, surname, identification number, address, and contact details.
1.2. Telephone recordings – any information you disclose over the phone to our consultants. For quality purposes, calls made to our customer service line may be recorded.
1.3. Account details, including your bank name, bank card number, bank account details, credit history, and credit score.
1.4. Information provided by you on our platform, publicly available information, and information previously provided to any of our service providers or partners, which is accessible to us.
1.5. Your credit score and credit history.

2. We collect and store your personal information for the following purposes:

2.1. Verify your identity.
2.2. Contact you.
2.3. Administer your account.
2.4. Provide our services to you.
2.5. Facilitate the KYC (Know Your Customer) process.
2.6. Inform you about any changes or updates on our platform.
2.7. Communicate with you as part of our business operations.
2.8. Conduct credit checks and review your credit history.
2.9. Detect, prevent, and investigate criminal activities, including fraud and money laundering.
2.10. Comply with internal policies and procedures.
2.11. Follow your instructions.
2.12. Fulfill our responsibilities to you.
2.13. Conduct statistical and other analyses to identify potential markets and trends, evaluate and improve our business.
2.14. Process your personal information for ordinary business purposes, including account management, transaction execution, claims administration (if applicable), risk management, and maintaining our overall relationship with you.
2.15. Comply with applicable regulations.
2.16. Introduce you to new and available services and products.
2.17. Address fraud and anti-money laundering concerns.

2.18. Provide you with transaction details upon request.
2.19. Assist with any service-related inquiries.

2.20. Ensure accurate payments from virtual wallets.

3. We will only process the personal information that is specifically required to provide our services to you. We confirm that the information we request from you is adequate, relevant, and not excessive, as per the requirements of the relevant data protection regulations.

4. We will only use your personal information for the purposes disclosed to you. We are obligated to keep your information confidential, except when authorized by you or required/permitted by law.

5. The personal information we possess will be retained only for as long as reasonably necessary. If required by law or when we are no longer authorized to retain any personal records, we will delete, remove, and/or destroy your information from our systems.

6. As previously stated, the information will not be retained for longer than necessary, unless:

• Retention of the record is required or authorized by law.
• We reasonably require the record for lawful purposes related to our function or activities.
• Retention of the record is required by a contractual

7. Yo Swift Website and App:

7.1. We may collect additional information that is not directly associated with your identity. This information encompasses browser details, data gathered through cookies, navigation information, and any voluntary information provided by you while actively using the website.

7.2. We may employ "cookies" to collect standard internet visitor usage information, which allows us to understand your browsing preferences and enhance our services. A cookie is a small text file that is downloaded to your internet browser each time you visit our website. Disabling cookies on the website may impact its functionality.

7.3. Browser information encompasses your IP address, operating system version, the visited page, and the time of visit. Like most websites, ours collects this information for administrative purposes.

7.4. If our website contains links to third-party websites, those websites may collect your personal information, including information obtained through cookies. We are not responsible for how these third-party websites handle your personal information.

7.5. Please note that we may utilize and disclose this non-identifying information for any purpose, unless otherwise required by applicable law.


  1. Our Employees/Contractors/Partners:

8.1. Authorized employees and contractors of Yo Swift may access your personal information, but only to the extent necessary to perform their duties. They are obligated to safeguard your personal information and adhere to the privacy policy established by Yo Swift and the POPI Act.

8.2. We may disclose your personal information to third parties such as service providers, appointed representatives, agents, and partners to facilitate the provision of their services. We impose similar privacy and security obligations on these third parties and partners to ensure the security of your information at all times.

8.3. Additionally, we may be legally obliged to disclose your information and will comply with any statutory or regulatory requirements in this regard.


  1. Security Measures:

9.1. Yo Swift assures all its customers that we have implemented appropriate safety and security measures to protect your personal information from unauthorized access. These security measures comply with Section 19 of POPIA.

9.2. We continuously review and update our security measures as necessary to ensure the ongoing security of your personal information.

9.3. However, we do not accept liability for any malicious hacking of our database, despite the measures we have taken. In the event of a breach or compromise, we will notify you as soon as reasonably possible. The notification will be provided in writing and will include sufficient information to allow you to take protective measures against the potential consequences of the breach.


9.4. While we have implemented protective and security measures, we acknowledge that data transmission cannot be 100% secure. If you suspect that the security of your personal information has been compromised, please contact us immediately.


  1. Access to Your Personal Information:

You have the right to access, verify, and/or amend your personal information at any time. For any privacy-related matters, you can contact Yoswift's compliance officer at hello@yoswift.com. To ensure your identity, you will be required to answer additional questions. We will address all queries and requests within 30 days of receipt.

Upon providing adequate proof of your identity, you have the right to:

  • Obtain a record or description of the personal information we hold about you, including information about third parties who have accessed your personal information. This will be provided within a reasonable time and subject to a prescribed fee as outlined in Section 23 of POPIA.
  • Determine whether we hold any of your personal information.
  • Correct or delete any of your personal information, which we will do as soon as reasonably practicable.


  1. Marketing:

If you are our customer, we may use your personal information for direct marketing purposes. However, you may unsubscribe from any direct marketing communications we send you at any time.

Change of Policy.

We reserve the right to amend or make changes to our policy at any time.