Privacy Policy - Sm Fintech

Last Updated: 01-02-2025

Sm Fintech ("hum," "hamara," "hamari") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website https://smfintech.com ("Website"). Please read this policy carefully to understand our practices regarding your data.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, Aadhaar number, PAN number, and other details you provide when filling out forms on our website.
• Financial Information: Bank account details, credit/debit card information, and transaction history.
• Automated Information: IP address, browser type, device information, and browsing behavior through cookies and tracking technologies.

2. How We Use Your Information

We use the collected information for the following purposes:

• To provide, operate, and maintain our financial services and products.
• To verify your identity and process your applications for financial products.
• To process transactions and send payment confirmations.
• To communicate with you, including responding to inquiries and sending updates.
• To improve, personalize, and expand our website's features.
• To analyze website usage and improve user experience.
• To send promotional emails (only if you have opted in).

3. Sharing Your Information

We do not sell, trade, or transfer your personal information to third parties without your consent, except in the following cases:

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our website, conducting business, or servicing you.
• Legal Requirements: We may disclose information if required by law or to protect our rights, property, or safety.
• Financial Institutions: We may share your information with banks, credit bureaus, or other financial institutions to process your applications and transactions.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Enhance user experience.
• Analyze website traffic.
• Remember user preferences.

You can control cookies through your browser settings, but disabling them may affect your experience on our website.

5. Data Security

We implement security measures to protect your personal and financial information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• Access, update, or delete your information.
• Opt-out of marketing communications.
• Withdraw consent for data processing.

To exercise these rights, please contact us at care@smfintech.com.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. Please review their privacy policies before providing any personal information.

8. Children's Privacy

Our website is not intended for children under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us to remove it.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.