Terms & Conditions

Welcome to Swift Cash, By accessing or using our services, you agree to the following Terms & Conditions. Please read them carefully before proceeding.

1. Acceptance of Terms

By using our website, mobile application, or applying for any of our financial products Credit Card, Instant Loan, Personal Loan, Business Loan, Home Loan, Loan Against Property, Education Loan, Auto Loan, Savining Accounts, Demat Accounts, Micro Loan, Group Loan, Private Funding and more, you agree to be bound by these Terms and our Privacy Policy.

2. Eligibility

To use our services, you must:

  • Be an Indian citizen above 18 years of age

  • Provide valid KYC and income-related documents

  • Have a verifiable address and contact information

We reserve the right to approve or reject applications at our sole discretion.

3. Services Offered

Swift Cash offers the following services through backed models:
Credit Card, Instant Loan, Personal Loan, Business Loan, Home Loan, Loan Against Property, Education Loan, Auto Loan, Savining Accounts, Demat Accounts, Micro Loan, Group Loan, Private Funding and more.

Loan amounts, interest rates, tenure, and repayment terms are based on internal credit assessment and risk profiling.

4. User Obligations

As a user, you agree to:

  • Provide accurate and complete information

  • Use the services legally and responsibly

  • Repay loans on time as per agreed terms

  • Not misuse or duplicate our content or technology

Providing false information or attempting fraud will lead to legal action and blacklisting.

5. Charges & Fees

All applicable charges including processing fees, interest rates, penalties for late payments, etc., will be clearly mentioned in your loan agreement. These charges may vary depending on the product and profile.

6. Loan Approval & Disbursement

Loan approval is subject to internal verification, creditworthiness, and documentation. Approval is not guaranteed for every applicant. Disbursement may take 1–7 business days after successful verification.

7. Data Usage & Consent

By applying for any service, you authorize Swift Cash to:

  • Use your data for credit assessment and processing

  • Share it with partners like NBFCs, credit bureaus, and regulators as required

  • Contact you via SMS, call, email, or WhatsApp for transaction updates and service communication

8. Limitation of Liability

Swift Cash shall not be liable for any indirect, incidental, or consequential damages arising from:

  • System outages, delays, or service interruptions

  • Rejection of applications

  • Data misuse by third-party platforms beyond our control

9. Intellectual Property

All logos, content, branding, and technology used by Swift Cash are proprietary. Unauthorized use or reproduction is strictly prohibited.

10. Termination of Services

We reserve the right to suspend or terminate your access to our services if:

  • You violate these terms

  • You default on payments

  • You are found to be involved in fraudulent activities

11. Changes to Terms

Swift Cash may update these Terms & Conditions at any time without prior notice. The updated version will be posted on our official platform. Continued use of services implies acceptance of changes.

12. Contact Information

For any queries regarding these terms, please contact:
Email: contact@swiftcash.in
Address: H Block, Noida Sector 63, Uttar Pradesh
By using Swift Cash, you agree to these Terms & Conditions. Your trust and cooperation help us build a stronger, more financially inclusive India.