We collect and generate various data points about you.

Data by which you are identified is termed as “Personal Data”. Personal Data does not mean information that is freely available or accessible in public domain.

Your Privacy is of utmost importance to us and protection of your Personal Data is a key commitment for us.

We are governed by the provisions of applicable law in India including the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 to maintain the privacy of your Personal Data

Personal Data

Personal Data we may collect from you are as under:

Personal details (e.g. name, contact details including, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID / driving license, and/or education details) provided by you to us to avail various products/services from us.

Your details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.

financial details (e.g. income, expenses, and/or credit history) needed as part of request for some of our products/services,

Images of documents/ photos required to avail any of our products/services.

voice recordings of our conversations with our customer care agent with you to address your queries/grievances;

specimen signature(s) for processing of your instructions received by us through our various payment and delivery channels;

opinions provided by you to us by way of feedback or responses to surveys;

Information obtained from your mobile device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), transactional and promotional SMS/app notifications.

access to your mobile camera device for the functioning of many in-app functionalities including, but not limited to scan & pay etc.,

access to files from your mobile device such as audio, video files for the functioning of many in-app functionalities including, but not limited to in-app chat,

II. Sharing of your Personal Data

Any Personal Data that we have access to shall never be shared without your consent.

In our business and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers

We will share your data with competent/ legal/statutory/regulatory agencies / authorities or partners/service providers acting on our behalf (as the case may be) in following cases:

only for enabling the provision of the products/services availed by you, strictly on a “need to know” basis and subject to applicable laws.

it is directed or required by legal/regulatory / statutory / governmental authorities under applicable laws/regulations though a legally obligated request.

it is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.

Usage of Your Personal Data

We use your Personal Data in our business activities for providing our or our partners’ products/services and to perform, among other actions, the following:

to facilitate the transactions or report on these transactions;

to undertake research and analytics for offering or improving our products/services and their security and service quality;

to check and process your requirements submitted to us for products/services and/or instructions or requests received from you in respect of these products/services.

to check and process your requirements submitted to us for products/services and/or instructions or requests received from you in respect of these products/services.

to take up or investigate any complaints/claims/disputes;

to respond to your queries or feedback submitted by you;

to verify your identity for us to provide products/services to you;

to carry credit checks, screenings or due diligence checks as lawfully required by us;

to monitor and review products/services from time to time;

to undertake financial/regulatory/management reporting, and create and maintain various risk management models

for conducting audits and for record keeping purposes;

for selective offers and promotions.

External processing: We may provide your personal information to our affiliates or other trusted businesses or persons or service providers engaged by us, or institutions that we partner with to assist us with providing you with products/services to better serve your needs and interests, based on your instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures.

We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.

IV. Purging of your Personal Data

You may delete your Smart pay account at any point of time by making such choice in the Smart pay desktop website, mobile WAP site or mobile application. With this we will no longer provide your data for external processing as mentioned above. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per applicable law.

The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.

Cookie Policy

Please note that a “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.

We may use cookie and tracking technology depending on the features offered.

No Personal Data will be collected via cookies and other tracking technology; however, if you previously provided Personal Data, cookies may be tied to such information.

Links to other websites

Our website may contain links to other websites which are not maintained by us. This privacy policy only applies to us. You are requested to read the other websites privacy policies when visiting these websites.

Reasonable Security Practices and Procedures

We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time.

We have provided multiple levels of security to safeguard your app by Login/Logout option and AppLock feature that can be enabled by you. We also ensure the device binding so that the same login cannot be used on different device without any additional authentication/OTP. Please do not share your Smart pay login, password and OTP details with anybody.

VIII. Contact us

You may contact us on any aspect of this policy or for any discrepancies/grievances with respect to your Personal Data, by writing to our Grievance Officer at Smart pay Payments,

IX. Policy Review & Updates

his policy will be reviewed by us as and when required and the same may change at any time. The latest & most updated policy can always be found at -

While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically.

This Privacy Policy shall apply uniformly to desktop website, mobile WAP site & mobile applications

In this policy, the words “we”, “ours” and/or “us” refer to Smart pay Pay and “you” and/or “your” refer to our customers.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the content of the message and/or attachments you may send to us, and any other information that you can choose to provide.

When you register for an account, we may ask for your contact information, including items such as name, company name, address, email address and telephone number. how we use