Privacy consents and electronic authorisation
If you tick the consent box on our application form, you:
- agree that we may collect, use and share your personal information as described in our Privacy Policy, including selling your application to a lender to help you find a loan. We receive a fee only when a lender buys your application;
- agree that we and those lenders may send you documents and notices (including our Credit Guide) by email, SMS or a link, rather than on paper; and
- may withdraw your consent to receiving documents electronically at any time by emailing team@swiftloans.com.au.
About this policy
These terms cover the Swift Loans website (the Website) and any other site we operate (together, the Site) for Swift Loans Australia Pty Ltd ABN 59 600 167 084, Australian Credit Licence 461533, and its related bodies corporate (we, us and our).
We take privacy seriously. This policy describes how personal information is treated when you use the Site. We may update it, so please check this page for the current version.
Collection and use of information
We may collect personal information from you, or from the way you use our services. We only collect personal information that we reasonably need for our work, or that is directly related to it.
Data gathered by us or by our service providers through cookies, pixels, click redirects and tag containers can, in some cases, be personal information. Our Privacy Policy explains the purposes for which we collect, hold and use personal information.
On the Site, we or our service providers may also collect:
- details from your browser such as HTTP headers, your server domain, IP address, and the type of computer and browser you use;
- which pages people visit, either for a particular user or as combined figures;
- cookies, which are stored when you use the Site;
- the email address of anyone who writes to us, and, so we can send useful material, whether a message was opened or a link or image was clicked; and
- how you move around the Site, including whether you finish a form or where you stop, so we can improve how the Site works.
Sensitive information
Sensitive information under the Privacy Act includes information about racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. We do not ask you for sensitive information. If you choose to give it to us, we may hold it where you have agreed and we decide it is reasonably needed for a purpose in our Privacy Policy.
Information from third parties
The Site may link to other businesses' websites (Third Party Websites). If you follow those links and the other business collects information about you, we may also receive or have access to that information under our arrangements with them. If you reach a Third Party Website from our Site, cookies, your preferences, or other details you have given may be shared between that business and us.
Advertising and tracking
If you see our ads on a Third Party Website, the advertiser may use cookies and, sometimes, web beacons to collect information such as:
- the server your computer is logged onto;
- your browser type;
- the date and time of your visit; and
- the performance of their marketing efforts.
If you then come to our Site after seeing one of those ads, the advertiser may record how you use the Site, including which pages you open and whether you finish an application. We may also use service providers that watch how people use the Site, so we can improve the layout.
Security of information
We treat the security of your information as a priority and we keep our security and encryption practices under review. No information sent over the internet is completely secure. We take reasonable steps to protect information in our systems from misuse, interference, loss, and unauthorised access, change or disclosure. When we no longer need your information, and the law allows, we will take reasonable steps to destroy it or make it anonymous. We also take reasonable steps to protect cookie data and personal information in line with this policy and our Privacy Policy. A properly set-up browser should tell you whether a page you send us is encrypted.
You understand that a message or other information you send through the Site may be read or intercepted by someone else, even if a notice says that transmission is encrypted. Everything on the Site, and every service available through it, is provided as is. We do not make promises or guarantees about the Site or its content. By using the Site, you are responsible for stopping other people accessing it through your device or login.
Online applications
When you submit a completed application, we keep the information you entered. With your consent, we send your application to lenders that are licensed to provide credit. Those lenders assess the application and decide whether to offer you a loan. We do not assess the loan ourselves. You may be able to pause and save an application and come back later. If you do, what you have already entered stays in our systems so you can pick it up again. We may look at applications that have been paused or saved. We may use service providers to review how people complete our forms. We are not liable or responsible for:
- 1. any failure or delay in meeting our obligations under this policy caused by something reasonably outside our control, including a public or private network going down or being suspended;
- 2. the Site not suiting your own needs, or containing faults or errors, because it was not built just for you. You need to check that the Site does what you need;
- 3. loss or damage from a denial-of-service attack, a virus, or other harmful code that affects your device, data or software because you used the Site; or
- 4. a breach that happens because someone else used your Swift Loans account after you did not keep access to the Site secure on your computer or phone.
Disclosure to overseas entities
We do not usually send personal information from cookies to entities outside Australia in the ordinary course of our work. Cookie, pixel, click-redirect and tag-container data can sometimes identify you, or amount to personal or sensitive information. If you use our website, you agree to our use of those tools and to the data they may disclose, including to entities outside Australia. Email team@swiftloans.com.au if you want more detail. How application information may be handled overseas is set out in our Privacy Policy.
Direct marketing
We will not use or disclose sensitive information about you for direct marketing unless you have agreed to that use or disclosure. We may use your other personal information to market to you. If you do not want marketing from us or from other organisations, email team@swiftloans.com.au to opt out. We will action that request as soon as we reasonably can.
Cookies
We use cookies so the Site can work better for you. A cookie is a small text file that our server places on your computer and can later read. Most websites use them, and you can accept or refuse them in your browser settings. We or our service providers use cookies to:
- give your browser a unique number;
- tailor the Site for you;
- compile statistics or review how the Site is used; and
- see whether you have visited a Third Party Website, and for security.
Cookie data may, in some cases, reasonably identify you or amount to personal or sensitive information.
If you use our website, you agree to our use of cookies, pixels, click redirects and tag containers, and to the data they may collect.
Trademarks and copyright
Copyright, the registered Swift Loans trade marks, and all other intellectual property rights in the Site and its content — including the pages, screens, material, software and source code (the Intellectual Property) — belong to Swift Loans Australia Pty Ltd or its related companies unless we say otherwise. You must not use the Intellectual Property without Swift Loans Australia Pty Ltd's express permission.
Last updated: November 2026.